this post was submitted on 05 Mar 2024
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The best thing I can do for a successful retirement is commit some crimes and get arrested. A "small" contribution is still outside my price range. You gotta be putting away hundreds a month at least. Retirement simply isn't something you can plan for if you make below average income.
Another day of monotony's
Gotten me to the point I'm like a snail, I've got
To formulate a plot or end up in jail or shot
Success is my only motherfuckin' option, failure's not
Which sounds nice, but not realistic. As others have also said, there will always need to be ditch diggers. Not everyone is going to be able to retire. No matter how many Eminem lyrics you know.
Gatekeeping retirement to only the wealthy is unacceptable to me (and many here). Be gay, do crime, and mooch off the system that fucks so many over.
These "you should have saved for retirement" people really piss me off, especially the "you should have cut out luxuries" assholes. Bitch, I'm like the 62% of the rest of America that lives paycheck-to-paycheck. What luxuries? The occasional chai latte to make my life slightly more bearable? Buying my daughter Taco Bell once in a while to see her smile?
If I have to work for decades and deny myself any comfort for those decades just to have some comfort for the last 10-20 years of my life? Fuck that.
https://www.cnbc.com/2023/10/31/62percent-of-americans-still-live-paycheck-to-paycheck-amid-inflation.html
If your not even planning on saving for yourself what are you going to do for your daughter?
Holy shit, do you honestly think not buying a latter or Taco Bell once or twice a month would be enough to save for retirement?
You're like one of those "don't eat avocado toast" people.
Crazy how defensive you get when I am asking what your plan is.
If you are doing the best you can with your budget this thread doesn't apply to you and there's no need to be offended. Many others do not make good financial decisions and need help preparing for their future. Financial budgeting education is lacking in our schools, and many learn the hard way.
Promoting narratives that nobody can do anything to better themselves financially is irresponsible.
I'm getting defensive because I said I had nothing to save and your response was questioning what I was doing for my child as if this was my fault.
Because here is what I said:
In response to that, you said:
As if I could plan for my daughter's financial future if I just didn't have a latte and buy my daughter Taco Bell once in a while rather than not have savings because I'm fucking poor.
Can't imagine why that would make me defensive.
What's next, telling me it's my fault for not being wealthy?
...same thing our parents did for us: hope she can manage on her own...
I lived that too, and it's not ideal for any child. Can we agree on that?
Maybe even people could hold off on kids till they have their shit together?