Does it suck seeing the money we just put in there drop? Yes. Though I know I am in it for the long haul, not the get quick rich approach or attempting to time the markets.
Index funds with low expense costs are my personal strategy. While I'd love to retire now (early 30s), my realistic goal is to retire at 59. The plan I have now with moderate ROI allows that - patience while staying the course long-term with your financial plan is key.