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Posted: 4/29/2024 10:32:25 PM EDT
[#1]
Quote HistoryOriginally Posted By CoconutLaCroix: There is some validity to younger generations throwing away money on things like DoorDash, coffee and pricey unnecessary bullshit. And those people are double-plus screwed financially. But even the people living modestly and saving that extra $500 a month or whatever, are still screwed. My roommate and I both make 6 figures, I spend probably $400 a month on groceries, max out my 401k and Roth IRA, and I still have no shot at affording a basic, no frills, dump of a home within my means in 2024 outside of the Midwest, the ghetto or way off in boonies. Both my roommate and I were some of the most patriotic, conservatives you would meet. We would have given all for this country a few years back. And now both of us give zero fucks about America now after watching it rapidly get whored out to migrants and watching every institution get infected with woke. Our current town, 10 years ago was anywhere USA. Now, it may as well be Mumbai with all the Indians, and there is no social cohesion or sense of community or common values. We're all just fellow consumers, and that's about it. Each time I go to my local bazaar for food.. I mean Costco.. It reaffirms how little I care about this foreign country I'm living in now, other than thankfulness for what remains of my purchasing power before that gets flushed. And if my roommate and I don't care anymore about America, then I can't imagine how the avg lukewarm American feels. I can't imagine how irate the veterans who gave so much for this country feel watching it become a foreign, broke shithole. |
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Posted: 4/29/2024 10:33:30 PM EDT
[#2]
Quote HistoryOriginally Posted By Twisted10: you can save all you want and drop dead when you retire, or before. happened to my mom. enjoy life. Is dog food your favorite meal? You can dice in a potato and call it Dog hash. |
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Posted: 4/29/2024 10:34:06 PM EDT
[#3]
All pensions and 401k’s shall be replaced by assorted scratch offs and power ball tickets from this day forward.
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Posted: 4/29/2024 10:36:22 PM EDT
[#4]
Quote HistoryOriginally Posted By wakeboarder: 250k including overtime is very doable for a motivated 18yo in a trade Quote HistoryOriginally Posted By wakeboarder: Originally Posted By eagarminuteman: Don’t forget, within a year they were making a half mil with said degree or they were making a quarter mil as a trade worker. 250k including overtime is very doable for a motivated 18yo in a trade Truth. Cousin worked as a pipeline welder , bought 2 diesel pickups, professional welding rigs for back of both, rented one to other welders and ran the other himself. Also bought a bumper tow toy hauler to tow behind his truck . And the Honda civic that the only Honda part left was the cigarettte lighter (300+ hp , it was quick ). Fully funded Roth IRA, started a portfolio of dividend stocks, and put a couple strippers through college. After 7 Years he started his own business and doesn’t travel now,’owns his house(modest , 1509 square foot), kids 529’ is fully funded every year off the dividend from the stocks, wife is a secretary. |
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Posted: 4/29/2024 10:41:20 PM EDT
[#5]
Quote HistoryOriginally Posted By eagarminuteman: Okay boomer. He's not. |
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Posted: 4/29/2024 10:42:21 PM EDT
[#6]
Quote HistoryOriginally Posted By fsjdw2: Truth. Cousin worked as a pipeline welder , bought 2 diesel pickups, professional welding rigs for back of both, rented one to other welders and ran the other himself. Also bought a bumper tow toy hauler to tow behind his truck . And the Honda civic that the only Honda part left was the cigarettte lighter (300+ hp , it was quick ). Fully funded Roth IRA, started a portfolio of dividend stocks, and put a couple strippers through college. After 7 Years he started his own business and doesn't travel now,'owns his house(modest , 1509 square foot), kids 529' is fully funded every year off the dividend from the stocks, wife is a secretary.  |
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Posted: 4/29/2024 10:44:24 PM EDT
[Last Edit: eagarminuteman]
[#7]
Quote HistoryOriginally Posted By JamiesGotAGun: You're wrong. He's not. lol I don’t do a single thing he stated as reasons for why I can’t make it, I work full time while going to school full time. Work just as hard as anybody else. You can kindly fuck right off trying to blame me for not making it because of laziness. |
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Posted: 4/29/2024 10:46:04 PM EDT
[#8]
Quote HistoryOriginally Posted By JLPettimoreIII: https://www.ar15.com/media/mediaFiles/253414/coldwar_jpeg-3088685_jpg-3201689.JPG Quote HistoryOriginally Posted By JLPettimoreIII: Originally Posted By SparticleBrane: "Housing and rent are super expensive, and on a completely unrelated note, young people aren't putting anything away for retirement. It's a complete mystery why!"  
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Posted: 4/29/2024 10:46:45 PM EDT
[#9]
Quote HistoryOriginally Posted By exponentialpi: 
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Posted: 4/29/2024 10:46:50 PM EDT
[Last Edit: CoyoteGray]
[#10]
Quote HistoryOriginally Posted By ServusVeritatis: A mob will always win regardless of anything. Quote HistoryOriginally Posted By ServusVeritatis: Originally Posted By ranging-by-zipcode: Originally Posted By eolian: They are waiting for UBI. Really that's the plan they are being told. That's because it's probably going to happen One world government is inevitable A mob will always win regardless of anything. One nasty little thing about UBI no one is talking about is that it can never work without price controls, so full blown socialism/communism is right around the corner from it. |
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Posted: 4/29/2024 10:48:08 PM EDT
[#11]
I didn’t start saving shit till I was 28.
Part of being young. |
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Posted: 4/29/2024 10:49:36 PM EDT
[#12]
Quote HistoryOriginally Posted By CoyoteGray: One nasty little thing about UBI no one is talking about is that it can never work without price controls, so full blown socialism/communism is right around the corner. every year merica gets a little more socialist whilst you vote harder and poast spicy memes. |
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Posted: 4/29/2024 10:49:55 PM EDT
[#13]
Quote HistoryOriginally Posted By JLPettimoreIII: eh, merica's been half socialist for 100 years at this point. every year merica gets a little more socialist whilst you vote harder and poast spicy memes.  Attached File |
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Posted: 4/29/2024 10:53:20 PM EDT
[#14]
Quote HistoryOriginally Posted By JLPettimoreIII: eh, merica's been half socialist for 100 years at this point. every year merica gets a little more socialist whilst you vote harder and poast spicy memes. Quote HistoryOriginally Posted By JLPettimoreIII: Originally Posted By CoyoteGray: One nasty little thing about UBI no one is talking about is that it can never work without price controls, so full blown socialism/communism is right around the corner. every year merica gets a little more socialist whilst you vote harder and poast spicy memes. |
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Posted: 4/29/2024 10:55:47 PM EDT
[#15]
Quote HistoryOriginally Posted By 0311SKI: Meh, im not wasting my life hoping I'm both alive and physically able to enjoy retirement, seen plenty of the people telling me to save every penny and live frugal keel over before being even able to retire. This |
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Posted: 4/29/2024 10:58:45 PM EDT
[#16]
Quote HistoryOriginally Posted By exponentialpi: But don’t you dare take away their Medicare. The worst part is most of my generation wants to expand that shit to everyone and find stupid ways to keep it and SS solvent. |
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Posted: 4/29/2024 11:00:42 PM EDT
[#17]
Quote HistoryOriginally Posted By exponentialpi: But don't you dare take away their Medicare. PLUS INTEREST |
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Posted: 4/29/2024 11:01:42 PM EDT
[#18]
Quote HistoryOriginally Posted By eagarminuteman: The worst part is most of my generation wants to expand that shit to everyone and find stupid ways to keep it and SS solvent. they make it back from the killing fields of da ukraine in da winter, they're gonna be hardcore conservative assholes. just like me. 
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Posted: 4/29/2024 11:03:04 PM EDT
[#19]
Quote HistoryOriginally Posted By JLPettimoreIII: the draft for WWIII is gonna straighten the surviving Zoomas out most ricky fuckin' tick. they make it back from the killing fields of da ukraine in da winter, they're gonna be hardcore conservative assholes. just like me. Some of us already are, we make the older gens look like fucking progressive cunts. 
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Posted: 4/29/2024 11:07:11 PM EDT
[#20]
Quote HistoryOriginally Posted By eagarminuteman: Some of us already are, we make the older gens look like fucking progressive cunts. |
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Posted: 4/29/2024 11:08:21 PM EDT
[#21]
Quote HistoryOriginally Posted By eagarminuteman: The worst part is most of my generation wants to expand that shit to everyone and find stupid ways to keep it and SS solvent. Quote HistoryOriginally Posted By eagarminuteman: Originally Posted By exponentialpi: But don’t you dare take away their Medicare. The worst part is most of my generation wants to expand that shit to everyone and find stupid ways to keep it and SS solvent. The pied piper don’t care about what they want. He wants to be paid. |
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Posted: 4/29/2024 11:11:27 PM EDT
[#22]
Quote HistoryOriginally Posted By exponentialpi: The pied piper don’t care about what they want. He wants to be paid. They’ll fuck us all before that happens. Gotta gets what they is owed like grandpa said he did. |
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Posted: 4/29/2024 11:22:23 PM EDT
[#23]
Quote HistoryOriginally Posted By Jellyfrosh: Saving for retirement with this much inflation is retarded. Inflation will outpace anything you save or invest. Buy stuff you actually need that will last you or stuff that will actually hold value. Dumb. Really, really dumb. |
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Posted: 4/29/2024 11:23:49 PM EDT
[#24]
Quote HistoryOriginally Posted By c7aea15: I want to say fuck 'em, not my problem. But it will become my problem  @c7aea15 Only if you don’t buy enough ammo. 
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Posted: 4/29/2024 11:28:07 PM EDT
[#25]
Quote HistoryOriginally Posted By eagarminuteman: They'll fuck us all before that happens. Gotta gets what they is owed like grandpa said he did. then she's taking the b**mas' houses to shelter said poors, border jumpers, and/or poor border jumpers. Give me your tired, your poor Your huddled masses yearning to breathe free The wretched refuse of your teeming shore Send these the homeless tempest-tost to me  |
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Posted: 4/29/2024 11:34:45 PM EDT
[#26]
Quote HistoryOriginally Posted By JLPettimoreIII: eh, merica's been half socialist for 100 years at this point. every year merica gets a little more socialist whilst you vote harder and poast spicy memes. Quote HistoryOriginally Posted By JLPettimoreIII: Originally Posted By CoyoteGray: One nasty little thing about UBI no one is talking about is that it can never work without price controls, so full blown socialism/communism is right around the corner. every year merica gets a little more socialist whilst you vote harder and poast spicy memes. You sound happy about it... |
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Posted: 4/29/2024 11:36:18 PM EDT
[#27]
Quote HistoryOriginally Posted By CoyoteGray: You sound happy about it...  Attached Filejust keep voting harder and poasting them spicy memes, dood. |
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AZ, USA
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Posted: 4/29/2024 11:52:48 PM EDT
[#28]
I can believe it. At my job, id say it's about 1/3 under 30 and 2/3 over 30. I really don't talk to the under 30 people much (I'm only 42)...mostly cause they r still in the party stage of life and I just don't care.
Anywho, I will say that when they ask about this kind of stuff, I do try to educate them on why savings are important as well as putting $$ into their 401k/457. Once I show them some basic math about it, they usually get excited and want to start contributing. But I do feel alittle bad for them in the fact that with today's prices/inflation, they are definitely at a little disadvantage starting out in life. The plus though is most know this you can tell they went from a more "liberal" thought process to now more of a "republican" type. Specially when it comes to theor taxes 
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Posted: 4/30/2024 12:09:05 AM EDT
[#29]
Quote HistoryOriginally Posted By Chisum: If other people are doing it, what is your problem? Blaming others does not solve your problems. Gain better skills, seek a better job, get a second job, or I you think you got the right stuff, start your own business. Saving $20 a paycheck to start with is better than whining. When saving $20 gets painless, double it. Learn to save. |
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MI, USA
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Posted: 4/30/2024 12:13:29 AM EDT
[#30]
Quote HistoryOriginally Posted By PA-Minuteman: Save until it hurts, then save some more What am I saving for? |
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TX, USA
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Posted: 4/30/2024 12:14:27 AM EDT
[#31]
It's cute anyone believes this country will survive long enough for an 18 year old to retire 😂
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Posted: 4/30/2024 12:15:17 AM EDT
[#32]
Quote HistoryOriginally Posted By azmp5: I can believe it. At my job, id say it's about 1/3 under 30 and 2/3 over 30. I really don't talk to the under 30 people much (I'm only 42)...mostly cause they r still in the party stage of life and I just don't care. Anywho, I will say that when they ask about this kind of stuff, I do try to educate them on why savings are important as well as putting $$ into their 401k/457. Once I show them some basic math about it, they usually get excited and want to start contributing. But I do feel alittle bad for them in the fact that with today's prices/inflation, they are definitely at a little disadvantage starting out in life. The plus though is most know this you can tell they went from a more "liberal" thought process to now more of a "republican" type. Specially when it comes to theor taxes To them, it's like magic  |
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Posted: 4/30/2024 12:15:57 AM EDT
[#33]
Quote HistoryOriginally Posted By 0311SKI: What am I saving for? |
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Posted: 4/30/2024 12:16:45 AM EDT
[#34]
Quote HistoryOriginally Posted By 210grum: It's cute anyone believes this country will survive long enough for an 18 year old to retire 😂 lol...every generation thinks they are gonna see the end of times. |
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Posted: 4/30/2024 12:17:43 AM EDT
[#35]
Quote HistoryOriginally Posted By c7aea15: I want to say fuck 'em, not my problem. But it will become my problem There's the rub. Many will be happy to pillage, rape and kill as things get worse. |
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Posted: 4/30/2024 12:19:39 AM EDT
[#36]
Quote HistoryOriginally Posted By PA-Minuteman: I love educating the new hires about the power of compounding interest To them, it's like magic https://i.imgflip.com/8oh9yi.jpg My generation sucks at math for the most part. Once someone spells it out they love it. |
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MI, USA
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Posted: 4/30/2024 12:44:51 AM EDT
[Last Edit: 0311SKI]
[#37]
Quote HistoryOriginally Posted By PA-Minuteman: Whatever kind of lifestyle you want to live when you retire, it's up to you Quote HistoryOriginally Posted By PA-Minuteman: Originally Posted By 0311SKI: What am I saving for? I get that, I just have a different mindset. In my mid thirties I can ride a motorcycle, so I'll ride every chance I get til I can't. I don't have arthritis, so I'll buy guitars and play the shit out of them. I can travel without a walker or wheelchair. None of those things are guaranteed, so I can sell off shit as I lose the ability to use them, but ill never get that time back. I think it worse to have resources unable to use them, then to eat Ramen noodles everyday knowing you had a hell of a time on the way... Eta: I'm not saying don't save, or if you work for a company thay has a 401 don't take advantage of it, but ill never give up doing the things I want to do now in the hopes I can do them in 3 decades. |
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Posted: 4/30/2024 12:49:36 AM EDT
[#38]
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Posted: 4/30/2024 12:57:44 AM EDT
[Last Edit: PA-Minuteman]
[#39]
Quote HistoryOriginally Posted By 0311SKI: I get that, I just have a different mindset. In my mid thirties I can ride a motorcycle, so I'll ride every chance I get til I can't. I don't have arthritis, so I'll buy guitars and play the shit out of them. I can travel without a walker or wheelchair. None of those things are guaranteed, so I can sell off shit as I lose the ability to use them, but I'll never get that time back. I think it worse to have resources unable to use them, then to eat Ramen noodles everyday knowing you had a hell of a time on the way... I still enjoy and do things I want to do now while I'm young, I fully understand that tomorrow isn't guaranteed and I want to start enjoying the life I have while I can I also what to make sure my future is secured by saving. I plan on retiring between 52 - 55, that way I can still enjoy & do things by not having to work, while my body hopefully isn't broken. Working sucks, I want to have the freedom of financial independence as soon as possible, if that means I work some OT in my 20's & 30's so be it |
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PA, USA
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Posted: 4/30/2024 1:00:42 AM EDT
[#40]
income redistribution will fix this later says the commie generation.
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PA, USA
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Posted: 4/30/2024 1:07:48 AM EDT
[#41]
Anyone born in the generation before me owes me.
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Posted: 4/30/2024 1:34:00 AM EDT
[#42]
Quote HistoryOriginally Posted By 1cheapshot: Pensions??? You mean all those unfunded ones to the tune of trillions nationwide? Those pensions?? We’re so screwed…. Any idea when they will fail? My mil pension is pretty good. Of course, it's basically gas and toy money. |
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MI, USA
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Posted: 4/30/2024 1:34:44 AM EDT
[#43]
Quote HistoryOriginally Posted By PA-Minuteman: That's understandable I still enjoy and do things I want to do now while I'm young, I fully understand that tomorrow isn't guaranteed and I want to start enjoying the life I have while I can I also what to make sure my future is secured by saving. I plan on retiring between 52 - 55, that way I can still enjoy & do things by not having to work, while my body hopefully isn't broken. Working sucks, I want to have the freedom of financial independence as soon as possible, if that means I work some OT in my 20's & 30's so be it Quote HistoryOriginally Posted By PA-Minuteman: Originally Posted By 0311SKI: I get that, I just have a different mindset. In my mid thirties I can ride a motorcycle, so I'll ride every chance I get til I can't. I don't have arthritis, so I'll buy guitars and play the shit out of them. I can travel without a walker or wheelchair. None of those things are guaranteed, so I can sell off shit as I lose the ability to use them, but I'll never get that time back. I think it worse to have resources unable to use them, then to eat Ramen noodles everyday knowing you had a hell of a time on the way... I still enjoy and do things I want to do now while I'm young, I fully understand that tomorrow isn't guaranteed and I want to start enjoying the life I have while I can I also what to make sure my future is secured by saving. I plan on retiring between 52 - 55, that way I can still enjoy & do things by not having to work, while my body hopefully isn't broken. Working sucks, I want to have the freedom of financial independence as soon as possible, if that means I work some OT in my 20's & 30's so be it Full credit for going for retirement by mid 50s, but im self employed in a trade that's going to most likely require knee replacements starting by 60. Theres no 401 matching, medical, or pension. So although everyone's in a different spot my options are live life and deal with the rest down the road, or drive a shit work truck, come home to a shit house, and spend my time dry firing pistols, and jerking it to my vanguard account. If I'm working 60 hours a week I'm enjoying the fruits of my labor. |
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Posted: 4/30/2024 1:35:07 AM EDT
[Last Edit: fadedsun]
[#44]
Quote HistoryOriginally Posted By JLPettimoreIII: imagine living on only $250k/yr.  Quote HistoryOriginally Posted By JLPettimoreIII: imagine living on only $250k/yr. I made just over half of that. Living on 250k would be easily doable  Originally Posted By JLPettimoreIII: https://www.ar15.com/media/mediaFiles/253414/coldwar_jpeg-3088685_jpg-3201689.JPG 3 grand a month is insane. My mortgage is way less than that. Originally Posted By 0311SKI: Full credit for going for retirement by mid 50s, but im self employed in a trade that's going to most likely require knee replacements starting by 60. Theres no 401 matching, medical, or pension. So although everyone's in a different spot my options are live life and deal with the rest down the road, or drive a shit work truck, come home to a shit house, and spend my time dry firing pistols, and jerking it to my vanguard account. If I'm working 60 hours a week I'm enjoying the fruits of my labor. Judging by your screen name you're prior USMC. Check out the national guard. One weekend a month and you get paid for it PLUS healthcare benefit and another retirement. It's a win win. Your USMC time will count towards it, too. It doesn't work for everyone but it might work for you. It's called the Marine corps National guard for a reason. |
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MI, USA
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Posted: 4/30/2024 1:52:16 AM EDT
[Last Edit: 0311SKI]
[#45]
Quote HistoryOriginally Posted By fadedsun: I made just over half of that. Living on 250k would be easily doable 3 grand a month is insane. My mortgage is way less than that. Judging by your screen name you're prior USMC. Check out the national guard. One weekend a month and you get paid for it PLUS healthcare benefit and another retirement. It's a win win. Your USMC time will count towards it, too. It doesn't work for everyone but it might work for you. It's called the Marine corps National guard for a reason. Knew quite a few who went that route, my last deployment in 2010 put such a shitty taste in my mouth I was just done. Again I'm not crapping on retirement, or planning ahead, but you get tired of hearing how young people are retarded for not putting every penny into it. Maybe they've seen their parents or relatives do that and never actually enjoy their lives. |
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Posted: 4/30/2024 2:24:39 AM EDT
[#46]
Quote HistoryOriginally Posted By 0311SKI: Knew quite a few who went that route, my last deployment in 2010 put such a shitty taste in my mouth I was just done. Again I'm not crapping on retirement, or planning ahead, but you get tired of hearing how young people are retarded for not putting every penny into it. Maybe they've seen their parents or relatives do that and never actually enjoy their lives. Don't let a bad deployment or bad command take away a lot of your financial nest egg. Look at the bright side. Bonuses and a slightly brighter financial future, too. I'm not a recruiter but if you are in anyway interested message me. I got talked into the guard and it was a superb decision that I don't regret at all. |
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Posted: 4/30/2024 2:46:56 AM EDT
[#47]
Quote HistoryOriginally Posted By 0311SKI: Full credit for going for retirement by mid 50s, but im self employed in a trade that's going to most likely require knee replacements starting by 60. Theres no 401 matching, medical, or pension. So although everyone's in a different spot my options are live life and deal with the rest down the road, or drive a shit work truck, come home to a shit house, and spend my time dry firing pistols, and jerking it to my vanguard account. If I'm working 60 hours a week I'm enjoying the fruits of my labor.  |
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HI, USA
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Posted: 4/30/2024 3:52:39 AM EDT
[#48]
Another key point is not just putting money in a tax deferred vehicle for retirement but having a rainy day fund. Very useful if you have hours cut or job loss and need to move for your next job. And as everyone saw a few years ago, having a nest egg meant being able to tell the boss to F off when the clot shot mandates came down. Feels damn good being able to dictate your terms without compromise - that's freedom
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Posted: 4/30/2024 4:21:33 AM EDT
[#49]
Quote HistoryOriginally Posted By JLPettimoreIII: WHUT I'M OWED PLUS INTEREST Quote HistoryOriginally Posted By JLPettimoreIII: Originally Posted By exponentialpi: But don't you dare take away their Medicare. PLUS INTEREST COMPOUNDED! Bigger_,Hammer 
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USA
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Posted: 4/30/2024 6:23:38 AM EDT
[Last Edit: Master_Blaster]
[#50]
Quote HistoryOriginally Posted By fadedsun: Acquire pensions. Retire Early. I was going to retire at 44 had trump stayed in the WhiteHouse. Delayed that about 5 years. Don’t buy stupid stuff. Live frugally. Thanks a lot, Biden Quote HistoryOriginally Posted By fadedsun: Acquire pensions. Retire Early. I was going to retire at 44 had trump stayed in the WhiteHouse. Delayed that about 5 years. Don’t buy stupid stuff. Live frugally. Thanks a lot, Biden Pensions are rapidly becoming a government employee-only feature. Is that what you're advocating - that everyone become a .gov lackey. Pretty sure there is history lesson or 2 about hiw that works out. Hell of a way for a nation to go. That's some nice, shallow advice you got there. Originally Posted By fadedsun: Any idea when they will fail? My mil pension is pretty good. Of course, it's basically gas and toy money. They're already failed, just kicking the collection can. The debt clock isn't turning back. |
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