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.
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)
Death IS the new retirement.
Or at least, it should be, given how much I’m looking forward to it.
Same faith required as to whether the sun will come up tomorrow or not. You can’t depend on anything. You need a busload of faith to get by. RIP Lou Reed.
Nah, thats just statistics.
It only gets to not rise the next day once and those are pretty good odds if you put that over top of all the other days it has already. I already don’t win when the odds are 1 in 4, I’m not getting that lucky.
I thought it was just faith. So, is the question “What are the odds that you’ll retire, and what other ratio does it compare to?”. /s
My retirement plan is to die in the resource wars.
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.
This totally true sentiment Reminds me of Boxer from Animal Farm. Doesn’t have to be this way though we could take over the farm
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.
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.
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’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’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.
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
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.
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.
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.
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.
I hate sad showerthoughts.
That’s fair, me too.
