It's great that you were able to save $20,000 and miss out on a market decline, but why does this mean you no longer need to worry? If anything, you should take this "win" and continue to build upon it. For most people, there is no point where you've saved "enough" - more is always a good idea.
Second some advice that's based on my semi-educated opinion: 401(k) is a scam for anyone under 50.
This is why conventional advice is to only contribute as much to your 401(k) as to receive the employer's matching contribution, which is essentially free money. The rest of your retirement savings which you want to invest should go into an IRA, which allows you to control what exactly it is invested in.
I didn't say I stopped investing but I don't have to worry because even if I don't make any more than the return I'm making now (in the worst economy on record) I'll still be making more in interest than I should be taking out (if I use around the average amount that retired people need per year).
Second some advice that's based on my semi-educated opinion: 401(k) is a scam for anyone under 50.
This is why conventional advice is to only contribute as much to your 401(k) as to receive the employer's matching contribution, which is essentially free money. The rest of your retirement savings which you want to invest should go into an IRA, which allows you to control what exactly it is invested in.