I would say you aren ' t doing too bad . You can also think about where you are with your house and how much of that you ' ll have paid off by age 60 , which can be a major part of your retirement plan . The stock market spends about 90 % of its time within a few percent of its high . If you avoid investing during this time you ' d basically never invest . We will probably have a correction here at some point within a few years but nobody knows when it will be . If you ' re contributing regularly through your 401 k you ' ll buy at those lower prices too . The main consideration is how long it ' ll be before you need the money , which is over 20 years , which means you should remain fully invested . <| sep |> Blizzard didn ' t think despawning mechanics on Archi were exploits , so how can you possibly know if they ' re gonna change their mood and decide that despawning mechanics on Helya are exploits ? The raiders are human . How could they know ? Remember , you ' re observing something AFTER it occured .