About 10 years out as well. I’ve concluded I just invest a very balanced set of index funds and bonds and GICs across a handful of institutions, and then invest in my home because even if the housing market collapses I get to enjoy my nice home.

Other than that I’m just not over investing for retirement and instead making sure the money is spent today on family growth and experience.

I eventually just got tired of everyone with an opinion on what doing it right looks like or how to predict the market.