How often you look at your investments means less then what you are actually doing to manage them. If your company provides choices of where to put your 401K money, then it is good to have some basic knowledge of investing, how the markets are doing and how to diversify your account. Markets in the future will likely go up as well as down for reasons no one can predict ahead of time. Financial advisors have no magical insight into how future markets will perform and mostly make projections based on historical data. A lot of them talk investing mumbo/jumbo and when you pin them down to what the market will do THIS year you are as likely to get 'they will go up by X%' from one as 'they will go down by Y%' from another. What happened in the past may/may not be what happens going forward. They mostly tell you things will go up in the future as an incentive to invest with them. Financial advisors make their money off the fees you pay them regardless of which way the markets are going.
Everyone should save for the future, regardless of your income. Living within your means is where it all starts.
Everyone should save for the future, regardless of your income. Living within your means is where it all starts.