How Can I Be Sure My 401(k) Will Still Be There For Me In Retirement In 30 Years? 
King Solomon had a keen insight into exactly what you are asking . In Proverbs 6:6 -8 we read , Go to the ant , you sluggard ; consider its ways and be wise ! It has no commander , no overseer or ruler , yet it stores its provisions in summer and gathers its food at harvest . Ants have done this for millennia . Of course they havent the benefit of the internet and financial pundits but they spend their days preparing for the days to come . In another place King Solomon spoke of those who would not leave the safety of their home for fear of what might happen . Again , that doesnt work either . 