Traditional investing is good for individuals with demonstrated skill in high demand fields, and who have stable incomes with benefits protected by the Employee Retirement Income Security Act (ERISA) and insured the Pension Benefit Guaranty Corporation (PGBC). Employer retirement plans like 401(k)s, 403(b)s, 457(b)s etc. work when there's a reasonable probability of becoming vested in your career, and when the investments via those financial instruments are well guided and managed.
If you are among the 16.2 percent of Americans in the workforce as defined by the Bureau of Labor Statistics (BLS) who are either unemployed, or underemployed chances are an adjusted investing strategy is more suitable if you can find money to invest. The bottom line here is investing at all, yet alone via traditional investing strategy will be challenging. For this reason, investing isn't necessarily a realistic activity, something financial claptrap tends to avoid stating.
Instead of worrying about building a retirement fund or relying on an antiquated retirement system to solve your future financial needs, work with what you do have in the present, time. Time is arguably more valuable than money as 'time' is what is generally needed to accomplish an array of human activities. Without time money is useless but without money, time is not useless. How you use your time determines what will happen to your finances.
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