My friend, sorry to say this to you. You are one among the redfin-ian I feel for you and I regard you one of the coming up person with lot of experience.
However, I would like to clarify or explain some financial myth or misconception you have.
First remove your thought “Savers or Investors are not enjoying life”.
Remember this "Saver and investors are not only enjoying their day to day life and but also securing their financial future to face against inflation and economic uncertainty "
This is very common millennial’s dilemma (unless they are shrewd !) without knowing the direction what to do in life ! You are talking like ordinary redditians, not experienced redfin-ians!
Unfortunately, you are experienced aged person who carry the same dilemma now.
The fact is : Except for some right business work which grows exponentially, income stays flat while investment grows exponentially with power of compounding !
A friend on mine told this to me 12 years before, "First save your 50k liquid emergency savings and invest it, then you will see the change! ". He told me this truth just before leaving our company.
I am more than confident that you have not saved $50k liquid investments (as cash or stocks). First, you save this much at least and then try to maintain the emergency fund against inflation, you will completely understand the concept of investment !
Even after hearing our hanera’s AAPL hold, you still think indexing is the only way? My saving was negative 50k when I landed in USA 25 years before. For the last 12-13 years, my investment growth is 12.5% year over year. I have never bought any index funding !
You hate investing as you are unable to save ! Savings and investment are the key for financial freedom, securing your life without leaving enjoyment.
Simple Answer given to you (and everyone) by elt1 “Investing is a life long pursuit”. I can not say more than this. He has laid out clear plan what he intends to do which so many forum members, knowingly or unknowingly, follow !
Everyone here is aware of this. In fact, most of the members were positive during this time and saved, invested and secured their future during these troublesome period.
Finally, you are trying to preach a negative concept to well experienced community members, trying to be financially independent (FI) or FAT FI.
The true fact is that you need to change your concept and understand the balance between life & Investment and try to achieve financial freedom with the help of forum community members.