You are a complete fool if you think for a single second you will ever be able to retire or even have a decent financial cushion without investing in the market, property, bonds, etc. Look at it however you want, but the truth remains: every single wealthy person on the planet who wasn't either born into wealth or got very lucky made their money in investing of some sort. It is how the world works, plain and simple. Don't do it. I don't give a ****. But you'll never get more stable without taking any risk. Ever.