“There isn’t anyone who can say what interest rates and employment are going to look like 5 years from now, let alone farther on down the line.”
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This is the key point. If we can’t predict 5 years out, then there’s surely no way to know what will be going on in 20 years. I think most folks understand this and don’t dwell on the vast future unknown, but instead focus on now and things they can control.