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I really think that some time should be given to personal finance in school curriculum.
When I went through, we learned to write a check and balance a checkbook. That was it.
Yeah, schools should be teaching more about financial literacy, but it's impossible to teach kids about good habits for retirement 40+ years down the road when the laws that govern their retirement haven't been written yet.
Heck, I'm old enough that my first job out of college actually had a pension plan. I never expected to work long enough there to take advantage of it, though. And I was correct -- even if I didn't leave when I did, the place eventually went bankrupt. Any advice they would have given me in high school about retirement savings would be obsolete now.
The only advice that is eternal is to save money, and live below your means. That seems difficult these days, though, especially for young kids just starting out.
My wife has a pension through her employer, it is going to be her last employer until retirement. Hey at least the golden handcuffs are golden.
More and I are in this exact boat. Want to find something - ANYTHING - else but can’t risk losing that pension. Eggs in one basket and all that.
Makes you wonder why more employers aren't doing it. Puts employees in the awkward position where they can't quit because the salary is so high.