>>34364824
Buy some silver/gold too to make sure you survive a possible system collapse.

>>34364824
I'm curious, what do your investment numbers look like? I always kind of felt deep down all that shit was a scam, obviously once you're older it will be nice to have a little spending money but you'll be too old to actually enjoy life and it will probably just go to medical treatments from all the ailments you've developed over stressing and waging over the decades. Enjoy life now, you don't know what the future holds

>>34364890
yeah, I bought these and only lost money after holding a few months. I decided to just sell back to SGOV where at least I won't lose.
>>34364923
100k index funds, everything else in a Treasury Bond ETF and 3-4k in my checking to pay bills
>Enjoy life now, you don't know what the future holds
Yeah, guess this is the only option. It turns out the future only gets harder to retire early, so I guess I might as well enjoy the rest of my youth.

>>34364824
>I'm half and half index funds and treasury bills
Don't do this. Not even if you're just a few years away from retirement. You want everything except your emergency fund in the stock market where you have a chance of beating inflation. I'm 59 and my portfolio is 100% stocks.
https://www.youtube.com/watch?v=-nPon8Ad_Ug

>>34364824
The honest answer is that most people are banking on the idea of living off social security and medicare whether or not they realize it, and whether or not it's actually going to be funded then. Highly recommend taking at least one sabbatical before retirement and doing a bit of traveling though.

>>34364824
i feel like more and more people feel like op
how so many people still accept the npc rat race i dont know

like bru they are literally throwing in your face that rich are some do nothing criminal pedos nowadays but youre still waging 24/7 just so you can survive eat and shit and do more waging kek wtf

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2.43 MB GIF

>>34365100
>in the stock market where you have a chance of beating inflation
have you glanced at the market lately?

>>34365986
Are you genuinely retarded, just pretending for the lulz, or a pajeet?

>>34365920
It's a bad deal, but I really don't have an alternative. I mean, I have my own place, a gf, I travel on weekends, play sports, make art when I'm off. If I were to live with my parents I'd probably be more stressed with less fun stuff to do, or if homeless I'd probably be a drug addict to cope and die very prematurely.

>>34365100
This only works if you have a psychological tolerance for it. On paper it's a generally sound plan but if you lose sleep over drawdowns or worse yet panic sell then no. Thinking you'll be fine and behavior in the moment are two different things as well. Also if you're 100% it means each withdrawal has a larger impact on the trajectory (vs if you held a portion in cash/tbills) which means more variance and less certainty of retirement working out, especially with the risk of getting fucked by sequence of returns when stocks go into a 20 year crab market

>>34367135
Forgot to add that a lot of this doesn't apply when you don't have too much saved up relatively speaking. If OP isn't going to panic sell spx going -50 or more then 100% is the right choice. Just keep working and dcaing but it sounds like a higher paying job is in order or at least one that doesn't want to make you kys

>>34364933
You don't hold gold and silver for a few months you fucking mongoloid. No wonder you're going to die poor and alone.

By making way more money than you do

>>34364824
>Should I bother to keep saving?
Safety net.

And to answer your first question - you want 2 million, which should give you 50k in your pocket every year. The only easy way to get 2 million is to inherit it.

>>34364824
Invest into all-world ETFs for 25+ years.

>>34367801
I hope it all collapses though. I do this, but tiny amounts so i actually prefer it all crashing.

Tldr bump read later