I remember 1980, thinking about college and struggling with my major. Education major? English major? Education major with English minor? The other way around? Didn't matter, less than a year out of college I was in the computer field.
Now on the other side of my career I have another set of choices. Stock Index Fund? Fee-based fund? All Fixed income funds? And this time around, what I pick actually matters for the rest of my life. You pick the wrong choices or pick the wrong year to retire and you are in trouble. Retire in an "up" year and you are golden, but if you retire right before a slump -- well, that graph is terrifying, because that money is gone.
Retirement. It's on the horizon. I haven't had to think about the rest of my life since college, and I don't like it.