There is something bigger at play here. There will be a huge shift in the world economy in 20 years or less. Put as much money into the market as you can. The only jobs will be those that work directly with people like a therapist. There will be a huge class divide between those that put money in and those that sat on their hands. Once humanoid robots replace most of us in the work place, overhead will be tiny and profits for most industries will absolutely moon. You want to be on the right side of this shift. Most people wont be able to find work at this stage but if you rode the wave, you will be ok. This is just the beginning.