Moods getting darker on reddit. Sounds like they want blood.
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If you can work 60 years with nothing to show for it, that's mostly a you problem.
you must be a boomer who already owns a home and enjoyed the golden years of America if you don't think it's possible.
No, I'm a Millennial who despite f-ing up in his early years is still on track for retirement without needing social security. So if someone who screwed up that badly can do it (I screwed up high school and became a homeless addict after graduation), this generation has the wrong mindset.
Though, given that we seem to be entering end times rather quickly, I'm not so sure planning for retirement is even needed. Just go all in for the Lord.
exactly. we have no clue how quickly inflation will eat our savings or how many 401k funds will go bust. no one gets pensions anymore besides government workers and that will probably vanish some point as well. you should not blame the people for this though. it's obviously the policies. i don't blame people for spending what little they have now if they barely can scrape up an extra $50 extra a week. After a certain point it really doesn't matter. Save a few extra dollars that gets inflated away in a few years. Fuck it
In the short term things like this can happen. But if we are talking over 40-60 years historically there will be booms (and busts) to take advantage of if you don't give up. Yes they screwed us on pension / Social Security, that's why I don't plan on them.
I can only speak from my life experience, but when it came to my finances a lot of it was self imposed. Even after getting sober, I stayed in college longer than I should have, and didn't immediately chase money after graduation. Not to mention getting chronic illness from a bad vegetarian diet.
So much dumb crap I did, and still by God's grace I was able to grind enough to get into a good career. Would not wish those mistakes on my kids though.
But still, at what point in history could you make a living online as a skilled worker? It's a blessing, and there are still opportunities in this world. Even as it may be going to literal hell (but then again, it may not be yet).