I don't think the market always recovers. I have invested through the 90s and until early 2009. I lost more money than what I made after 18 years of investing. I am not talking about a small sum of money here. I think investments all sounds good in paper. However, they are the same thing as gambling. If you are lucky, you make good returns. Many professional investors who went to the best theoretical schools have failed over the years to generate decent positive returns. I have come to terms with the fact that I will not be rich. So I live my merry way everyday.