It worked historically, but what about the last crash in 2008-2009? Did the middle class really recover to pre-2008 levels? People lost their house, savings accounts, and jobs. They went into debt and the past 8 years people have been recouping but before they get back to where they were, another crash might happen. So, I'm talking about modern day investing. Not historical norms.
RE: Are 401(k)'s worth it?