<prompt> Human: Have you ever thought about how different the world is going to be in the next 40, 60 years? This may be the wrong sub and I may just be having an existential crisis, but the world as we know it is completely unproven. Things are changing so rapidly. A couple examples: Ice caps are melting and the worlds population growth is unsustainable.What do you think about this? Do you have faith in the system?Assistant: You could make the same argument about saving any money at all or to justify going 100 in crypto. End of the story is that traditional saving plans are the least likely thing to fail when you weigh the options. Human: I googled it. First 401k started in 1978. Thats 40 years ago. Youre placing long term faith in something 40 years old.If this were the 70s, hell yeah, save for retirement. USA is the best and nothing can stop us.But now? Does it still feel that way?  <response>: A 401k is just an account type. Stocks and mutual funds have been around for 100 years. Youre being a lot overdramatic. In the 70s the US was still facing the prospect of nuclear war with the USSR. 