Seems as though people don’t undertand what dollar cost averaging means. I opened an Index fund 10 years ago, invested only $35 per month, and it has grown to a sustantial amount now. But yet, if I’d did nothing, that $35 would have been adsorbed into my checking account and dissapered forever. Wouldn’t have even “felt” it.

I don’t think you understand what DCA means either?

The conspiracy stuff is weird too. If “they” don’t want us to save for retirement “by design” then why did the government give us TSPs & 401(k)s, IRAs, Social Security and Medicare? People just don’t want to save, or are too poor to save, and that’s all there is to it.