Finance has a language all its own. I find that when you have never been taught how to speak it or if you have no interest in learning how to speak finance, then adopting, preparing for, and planning out your retirement becomes a task that just gets benignly neglected.
2021 was a year of strange. The indexes did not demonstrate the truth about the market conditions at all. Because the indexes are cap weighted, meaning the bigger the market cap is for a stock, the more influential the movement of said stock to be on the measurement of the index.