Just believe and a small percentage of you will certainly make it.
Ignore you are 70 and still renting, ignore that rules to enter are constantly changing.
Just believe, cause one day you will be so sick and close to the end that you will have to.
That’s not true at all
Many people know with certainty they can never retire ever
It’s an open question if they can get into heaven
most people are just trying to pay off a house so they’re kids don’t have to start from nothing
They’re --> their.
Even stronger faith I’d say, since billionaires aren’t actively conspiring with politicians to keep you out of heaven.
I think they would certainly try if they could pay for the exclusivity.
Just got to bring back Tithes.
Tithing is still a thing, it just means giving money to the church, specifically 10% in some denominations. I think what you’re referring to is “indulgences,” the practice of paying the Catholic church for entrance into heaven.
I’m technically a millionaire, as many people who have worked a white collar job for 30+ years are. That’s calculated by the value of all your assets, not cash on hand. So if you bought a home in Austin in 2001 for $200k, you’re likely, technically, a millionaire in 2026.
In 2022 I got cancer (clean now) and I saw the medical bills. If I ever become ill for a prolonged period of time, my wife and I will be bankrupt well within two years. If the dollar collapses and takes our savings with it, we’ll be bankrupt much, much sooner.
IMHO, unless you are a Billionaire or multi(50+) millionaire, I don’t think a care free “retirement” is in the cards.
Don’t you think this is rather optimistic?
I was being facetious. No one knows what the future holds. Enjoy today and don’t panic.
I’m late 40’s right now, always assumed social security was a pipe dream so I’ve diligently put away money in 401ks and IRA’s. I no longer believe they will be worth anything much longer.
Was a nice country, for a little while, at least that’s what my parent’s generation tells me, I’ve never been here for it.
My boomer mom did that and lost everything in 2008 when she was laid off and then had to live off of her savings and try to save her house after her 401 k crashed and her house went upside down. She was fell into a depression and developed early onset Alzheimer’s but didn’t have insurance it’s was brutal the rest of the story is even worse. The criminals running this country don’t give a fuck about you and will get everything one way or another
Have you considered divesting? Europe based indexes may be more your speed.
I have. I’m working on consolidating and figuring out a plan. I’m admittedly less astute financially than I should. Didn’t really expect all this shit to happen.
I know I will retire between 62 and 64, and I’ll be ready for it.
Don’t live too long or get sick though, you’ll run out of money
That’s not how sound retirement planning works.
Yeah, what I’m saying is that you can’t really plan for retirement considering you could burn thru millions in medical care during the Medicaid gap., and medical care prices keep increasing
You can get secondary insurance for that. The truth is that the vast majority of retirees who retire intending to live off their investments actually end up dying with more money than they started retirement with.
That feels like that weird issue that Melinda Gates has of not being able to spend her profits from her stocks fast enough.
Money just begets more money.You know if you have it or not these days.
I said most people. I’m talking people who retire with levels of wealth achievable through ordinary wage and salary work. People retiring with portfolios in the $1-5 million range. And yes, the vast vast majority of these folks die with more money than they start retirement with.
That’s why whenever some d****** Boomer asked me what my retirement plans are I just looked them in the eye and say homicide or suicide
When I was in my early 20’s I gave up on the idea of retirement. I was watching the environment being ruined and realized my retirement was going to be awful and stressful. I decided then to live for the moment so I could be happy.
I travelled many countries, live abroad for a number of years, met many different people, tried many different things, learned many things, slowed down to enjoy the little things and even got an HR manager fired to top off my list of personal accomplishments.
I don’t want to grow old and lately I’ve seen how awful it is to slowly die in a body you are losing control over. Too many times.
I’ve already made peace with my own death whenever it comes. My retirement plan now is extreme sports. If I’m going out, I’m doing it living in the moment.
From my perspective, it’s strange to see so many people fight to live long, to live forever or to create a legacy that persists beyond their death. Eveyone dies and everything will be forgotten. That should be something beautiful but instead it fills people with fear.
got an HR manager fired
Please share, so we can live vicariously through you.
The short story is that I lost my mind with how I was being treated and how things were being run. I brought up my issues at a Monthly meeting.
Then I brought up even more issues with the fairness committee member which included racism, sexism, ageism, abusive managers, unfair treatment of contractors (I was a full time employee), work culture and a few other things.
That lead to a 3.5 hour meeting with the HR manager and the fairness committee member where I was basically blamed for all the company’s lack effort to do anything.
Enter more mental breakdown.
Eventually we had an employee survey where I emailed the corporate HR manager about my company’s horrible management. Made friends and gained the trust of corporate HR by proving I was able to work with corporate to change the work culture instead of seeking retribution.
My company HR terminated me. I emailed corporate HR, then got a lawyer. Nearly a year later I filed for wrongful termination (my lawyer caught covid and was delayed). One month after filing for wrongful termination, my old HR manager was forced into early retirement and she was back in her home country of Barbados before I had my meeting with the Labour Board and my old company.
Because I made friends with corporate HR, I brought a lot of attention to my old company after my termination. That place was forced to make very expensive changes and upgrades, there was a huge crackdown on safety which caused even more costs, HR became such a useless mess because the replacement HR manager inherited an absolute shit show, and management began to crumble without the old HR manager who used to hold all the corruption in place.
The cost of all the changes, upgrades, safety, external lawyers (they needed better lawyers than they had in house) and my severance came directly out of the pocket of the General Manager who was top position at that company. This place had over 300 employees and 300+ contractors over Canada, America and Mexico at the time.
That HR manager was so fucking petty. I’m not a petty person but my sister taught me everything I needed to know about pettiness. When people play petty games everyone loses. The petty person is naturally a loser and the person on the receiving end loses because they are forced to deal with the petty game bullshit. If I was going going to be petty, I had to lose before I even started.
It took me 10 months to get terminated. Early on I decided I wasn’t goint to quit silently. They were going to have to pay to get rid of me. Even if we both lost our jobs, I still feel like a winner.
Dude we have shockingly similar overarching stories but my HR manager firing was for costing the company I work for 10s of thousands of dollars for not having the right visa to work in china and getting stuck in south korea for weeks due to the easter holiday making it so they forgot where they left me until I got ahold of someone again.
My retirement plan is skydiving.
Sounds like a partially stressful vacation in South Korea. Did you get in trouble for not having the correct visa? Or was that HR’s fault?
My retirement plan is go gliding in a wing suit. I want to experience gliding like the birds do.
HR was supposed to provide the Visa as I was going for a ship transfer and the political rallies and the north korea missile definitely didnt help but I did get to see fireworks on a beach after a night of crepe cakes and BBQ.
I actually was the reason the company implemented a system where a person was hired to check all visas manually from then on.The main trouble was the HR Manager tried to dock my pay for the cost of hotels and flights and tried to get me fired for saying no and I threatened to sue. Had to meet with the captain who thought the whole story was very funny including me staying at his standard hotel room at a very nice hotel in the bahamas.
I just want to know what its like to go terminal velocity and see if my luck is bad enough that I miss the ground. But knife and skydiving is my plan for how.
I’ve been investing into index funds since my twenties and I live quite frugally in a small house that I own. I’m relatively certain I’ll be able to retire just fine.
All my friends with this kind of attitude live in a rental apartment in a big city and have an office job. I guess I’d feel that way too if I was burning thousands in rent every month.
I mean you could drop all your ethics and become a corrupt politician, get the congressional pension, then have someone ghostwrite your memoir and enjoy the royalties.
Retirement was never a thing before the 50s or so. That’s why even at the time they had set it to roughly the average total lifespan. It was supposed to be a coinflip to begin with. And honestly one of the shared facets of societies where people routinely live to 100 is actually the lack of a concept of retirement. And part of that is that work isn’t something you either toil at physically for extended periods or being trapped behind a desk. It’s physical but not to excess and they have regular breaks at least weekly and plenty of holidays. You’re not supposed to grind grind grind for years then just stop. You’re supposed to have work that’s accessible and fulfilling that you can maybe slow down a little on with age but not just cut off at some point.
they're called blue zones
- Okinawa, Japan
- Sardinia (especially Nuoro), Italy
- Ikaria, Greece
- Nicoya Peninsula, Costa Rica
- Loma Linda, California (Seventh-day Adventists)
Other shared traits include:
- Mostly plant-based diets, low in processed food
- Regular, low-intensity physical activity built into daily life (walking, gardening, manual work)
- Strong social ties and multigenerational living
- Clear sense of purpose (“ikigai,” “plan de vida”)
- Low chronic stress, with built-in rest or ritualized downtime
- Moderate caloric intake (e.g., Okinawan “eat until 80% full”)
- Little smoking; modest alcohol use (often wine, socially)
Actually turns out the blue zone thing is pretty dubious.
Talked to my wife a few days ago about this and made her sad with it but she could understand why i feel this way, i said i don’t want to live a long life, 50 is enough (about to be 38 btw) and if i manage to live to be 60 i’m going for assisted suicide, like why the fuck would i want to live long enough just to become someone’s burden and there’s really no point in “looking forward to retirement” because a) i’ll be too old to enjoy anything, if i am properly mobile by that point considering my job does involve heavy lifting and b) while i am earning “decent” money for the fact that my education has no relation to my current job, this money does absolutely fuck all for retirement and will get me about 1000-1500€ per month and that’s if the threshold doesn’t go any higher, investments are mainly risks that mostly don’t pan out and the time when there were investment opportunities i didn’t have money to do anything, so i’m just choosing death.
The thing is, there’s no clear cutoff when you are so old that you become a burden.
If you are unlucky, you might hit that at age 50. If you are lucky you might make it to 90 while being fully self-sufficient.
It’s the unlucky part that terrifies me… i have seen people get old and forget everything, some of them family members, my grandfather lived to be 88 and his last days were spent having parts of his body just dying of and having to be cut off and then came slow painful organ failures, they were pumping him with so much morphine that he was just hallucinating and if i’m lucky i’ll go to sleep and my heart will just stop (low chance on my mother’s side) apparently it’s heart murmur type of thing but hasn’t shown itself yet, genetics are a bitch, also working till we die is kinda the direction the world is going towards so there might not be a point to plan for retirement either way.
Set yourself up in a semi dangerous field with a pension and retire at 55.
Like what
I chose power plant engineering/operations.
I don’t need to believe I know. I put in the work I got the qualifications. And as long as I don’t do anything stupid it is impossible for me to fail.
Fun fact: you’re not in control.
You can do everything right and oopsie the USD tanks. Hyper inflation. Womp womp.
Just don’t put it on yourself with regard to it going tits up.
I think you misunderstand how investment works. My retirement is tied up in assets, not dollars, so it will float with any governmental shenanigans. And, those assets are global. Your theory only holds up if you have cash.
The world uses the USD as a global financial standard.
If it tanks or the world switches to the yuan as a global reserve…
Assets protect you from inflation, not from systemic risk.
I think you misunderstand how investments work.
So again, fun fact: you’re not in control.
Yep. Diversify the fuck out of everything and no single point of failure can undo you.
As long as I don’t do anything stupid it is impossible for me to fail
I guess saying stupid shit isn’t the same as doing stupid shit.
Ur absolutely right
Or for the economy to collapse or something.
Nar I’ll be fine. Just need enough money to buy food and the market will bounce back eventually. And if that failed then I’d have great fun in the apocalypse
as long as I
Oof, and everyone else too it seems.
Ohh no everyone else is fucked. I’m just privalleged as shit with the cards stacked in my favour. Good luck out there I’ll give u a wave from my ivory tower once I get their.
No my point is that your gonna need everyone else to not be stupid too.
All it takes is someone else in your ivory tower starting an apartment fire and that they didnt design fire exits or suppression strategies cause it would impact the look of it.
No one does anything alone in this world. The rest of our stupidity rubs off eventually on your life.Wealth insulates you from everyone else’s idiotic behaviour. But ur right I need to take care to insulate from other people stupid behaviour better. No single points of failure and make everyone disposable. I’ll keep that in mind moving forward.
Oh for sure just trying to be helpful.
The new popular trend is bunkers underground with staff in shock collars, best of luck with their assassination attempts.
My retirement plan is to die in the resource wars.
My retirement plan is to die in a fracking accident.
I think it actually demands more faith. There’s no proof heaven doesn’t exist. But there is loads of evidence you will not be able to retire.
