Graham Stephan: SPY sẽ giảm

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everyone else, they're getting squeezed by things like rent, groceries, insurance, and child care that have all outpaced incomes. So, their spending has increased while the savings rate declines. That's why when you blend these two together, the average actually seems pretty good. But when you look at the data points individually, you'll see that the vast majority of people are not doing as well as the headlines say they are. Also, here's the part that should make everyone pay attention. Historically, when the savings rate reaches an absolute low like this, the stock market tends to suffer in the years following. Now, I'm not saying that's a guarantee, but it's something at least worth considering. So, with the bad news out of the way, here's exactly how much you should be saving by every age and exactly where you rank. And in terms of that, we need to talk about the 401k breakdown. Thankfully, there is an ultimate cheat sheet for anyone wondering how much money you need. The golden standard is that by the age of 30, you have one times your salary saved. By 40, you want three times. By 50, you want six times. By 60, you want eight times. And by the time you retire at 67, you want about

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