Quote:I don't anticipate needing to much cash on hand, I like land because I'm so paranoid about another market crash. I just don't trust it one bit, I do the 401k even reluctantly and with the mindset I'll probably lose all that money one day.

 

If you contribute at least as much as your employer matches, you are making a good return on your money.  If you're paranoid, most 401k's offer an "age based plan" based on when you want to retire and will invest the money appropriately.  Select a retirement year that is close, and your money will be invested in "safer" securities.  Again keep in mind, something like a 401k is intended for investing over time.  Look up "dollar cost averaging" to get an idea.

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