Stocks are annoying in America as they have gamed the rules so much that you're sadly forced into having one. Decreases tax obligations, companies match percentages of contributions etc. I've decreased my contributions and it was funny, my company's stock management software gave me all kinds of warnings and shit that I wasn't going to dump 10% of my salary into the market. I think I had to acknowledge that I wasn't going with the "recommended" investment advice. What a load of shit lol. We have the assets because whats 1% or 2% that they will match and ends up being 2 or 4%? On the same token though I take the other percentage I would have invested in stocks and buy bitcoin instead so I'm still spending a small percentage of my income on retirement funds, just ones of my choosing! I don't tell them that though lol