Not to be a doomer but I can't help but look at the state of things here in the west>most people living paycheck to paycheck>will never be able to retire>unable to afford homes>debt up to the eyeballs>no leftover cash to put into a 401k or Roth IRAWith all of this in mind, how is the market just supposed to trend up forever and ever into our 60s?>"nooo i have 100k invested it's gonna be worth millions when I'm 60!"Okay but how do you know that? Things just seem uncertain I guess.
>>61573251I really don't know anon. Probably not sustainable.
>>61573251>million
>>61573251Being wealthy isnt normal. Being working class or poor is.
>>61573251I used to think about this all the time. Then I accepted the fact that things aren't going to get better, ever.
The coming demographic crash will put a stop to "line only goes up" on markets. It will be something not seen before so your "100 years of market history" will mean fuck all.Days are numbered for the god this world worships called GDP
Most people are too thick to understand that you can’t just do some Joe Blow career and make it. You need to make as much money as possible, and put it into assets. As much as you can. Only then will you make it. If you can’t find the money, it’s a skill issue. Get a better job, get educated, do a trade. This is not a fucking game, you are going to be left behind if every dollar you own isn’t in some index fund.I max my 401(k), Roth and HSA. Then I do another 10 percent of my income on top of that. The market will crash, but it always comes back unless it’s the end of capitalism.Do not get left behind. You can still make it, but time is running out.
>>61573251Because the jews who milk you for every last bit of leftover cash invest it in the stock market.
>>61573251Imagine not having the hugest hard on right now knowing that collapse is around the corner, you’ve been lifting straight for five years, you sold your shiny boomer rock stack and got a bitching C4 corvette and guns, and you’re about to get a chance to finally become who you were ment to be.>MFW I check the news every goddamn day.
>>61573292see this image>>6157326899% of Americans wont make it.
>>61573251Maybe stop spending so much time on the internet and instead talk to actual people in real life. I am very sure this will help your outlook.
>>61573251You have to shift gears away from the value of the dollar (which will never deflate, it's only going to keep inflating to the point where a loaf of bread will require wheelbarrows of cash to purchase) and unto the value of real, tangible resources. Gardens, farms, wood stoves, fishing equipment, and hunting rifles will be the investments that matter as things get worse.
>>61573305Don’t listen to this guy. There will never be a full collapse. The issue is that there’ll be abundance, only you won’t be included in it because you won’t be able to afford anything. Buy as much index funds as possible.
>>61573251Line. Go. Up.
>>61573292And if that index fund gets rugged and goes to zero, then what?
>>61573323Hyperinflation is great for business, and so is extreme economic inequality.
>>61573334Do you know what an index fund is? You’re asking what if the entire market crashes, permanently? You have a bigger issue than your savings or the S&P 500, -a permanent crash means the bombs dropped or there’s a zombie virus.
>>61573297Nothing. Ever. Happens
>>61573251Everything will go up forever because the suppply of money will go up forever. Simple as.
>>61573297Imagine running circles around the overweight
>>61573297>Be late 20's>ex military>have worst half decade since Covid ever>have best financial year ever after 5 consecutive years of basically betting on a collapse to happen sooner rather than later2026 just sounds like a fucking viagara pill of a year for people that actually understood how fucking bullshit the last decade+ has been. Hell longer than that, but i mean if youre under the age of 30, this has been a fucking kick in the nuts lmfao. Shame on anybody that is still pretending nothing is happening lol. The government is borrowing 500 billion a month in fucking Tbills lol
>>61573268hey I posted that screenshot yesterday! I guess you can use it but only if you're part of the 97.6%
>>61573251Just stop being poor okay? Holy shit you waging always crying like its all about you.There must be worker drones, get over it already.
>>61573363>President is a confirmed pedo and took private Sax lessons from Slick Willy causing the faith in institutions to hit rock bottom.>Absolute collapse in the job markets.>House is completely out market the majority of Americans and boomers would rather HODL at a +4x than a +16.9x because mentally that money has already been spent on Thai Ladybois and Condo’s in Baco.>Only things that are pumping are being propped up by the government to create an surveillance state not even Orwell could fathom and the only thing else that is mooning is boomer rocks which is a signal for economic collapse to the point even China is getting nervous despite them standing to profit.>”Nothing ever happens.” t. ChudK’, I’m going to keep doing my Ayatollah of Rock ’n’ Rolla stuff as I take my rightful place as the new Bandit Lord of my county, tell me when things actually do happen though.
>>61573443Lifes not a hollywood movie, even if your wild fantasy manifested you'd get butchered by gangs who outnumber you.
>>61573456It’s funny that people here think anything will matter if shit really hits the fan. Everyone here, if still alive, will end up being a concubine to the former daytime manager of the local Popeye’s.
>>61573251>most people living paycheck to paychecknot my problem>will never be able to retirekill the rich>unable to afford homesmurder the rich>debt up to the eyeballsnot my problem>no leftover cash to put into a 401k or Roth IRAthe stock market is not real>With all of this in mind, how is the market just supposed to trend up forever and ever into our 60s?It's not.>"nooo i have 100k invested it's gonna be worth millions when I'm 60!"It wont.>Okay but how do you know that? Things just seem uncertain I guess.Retirement is not real, we'll be working forever, if we're lucky.
>>61573251All of this can be answered very simply with three very simple words>not>my>problem>>61573283>>61573299>>61573443Lmao you think there will ever be a crash? Listen to >>61573305 if there wasn't a crash over the last 25 years of consecutively fucking over zoomers then there won't be a crash now. You're living in the accelerated collapse of the Roman Empire and even then, sacking Rome didn't collapse Rome. It got sacked multiple times and nothing changed with Rome as a nation state, the same sacking has just been made legal. What will happen is the continued sacking will keep going until they run out of things to sack, then they were invent a new index, a new ETF, a new commodity in which they can leverage against whatever is left to continue sacking. Then, they'll legalize a new form of sacking and do it all over again. Each time stripping a little bit more freedom and financial mobility from whoever is left that has cash. I'm shocked people have so much faith in assets because there's another group of people who had faith in assets and you know what happened to them? The government legalized sacking them, and they were sacked. Really, the only reason your assets are safe are because the Government hasn't given permission to the raiders to sack you yet. You had better pray for a real estate crash before they realize the next valuable asset to sack is your land.
>>61573251Yeah bro, the 4th turning will culminate with some sort of major fucking changes by 2030 at the latest. Best to be very defensive at the moment and hold assets that arent tied to any sort of trust or counterparty risk. Great time to buy crypto, everyone is talking about silver which was mocked as shiny rocks last year. Think for yourself, be smart and dont trust anything
>>61573251Just open up a fake daycare dude
>>61573251The world doesnt revolve around poor faggots. People who arent losers decide the fate of generations.
>>61573251sometimes I wonder if i should just leave the country and find work out there. I am pretty knowledgeable and can work any job, literally. Why stay in the USA? They are going to really start coming down hard on enslaving your kids (see that debt?) and they pretty much have you down as well. Living paycheck to paycheck should have never been a thing people accept. In the first year you should have something to fall back on.>Marriage has been gassed with "Must pay for a large wedding, large ring and if it fails the male has to cover 50% of his finances to the separated female">Having kids has now become a financial issue, with costs rising exponentially (10% of .1 and 10% of 1, over the span of 50 years with the current year beating the previous year). This discourages you from procreating>Jobs that pay you get taxed on the amount they pay you, then you pay another tax on the amount you receive after that. The gov is double dipping in the same transaction and fucking both sides... for what?>foreign aid>"undocumented" immigrant grants disguised as loans>socialism for the rich with bailouts>Constitution no longer is enforced >Politics is pay to play, not vote to play>10% of americans have over 1 million, but if you remove the value from home ownership its really 2.3%>Gas has a tax on top of it to inflate its value, hence why Cali (best example) still has 6 dollar gallon gas>Dollar constantly printed, an indirect tax on you to devalue what you have in USDI mean, as far as I can see the whole system is rigged to just extort value from you. You move, you pay. So why continue to be in a place where you're expected to pay tax, then get no real returns back in your Quality of life (its getting worse)? A lot of people are filing exempt and trying to detach, but I think there are only two options left: >gtfo of america somewhere else>group up and actually hold accountability to the treason in office, which will be a very ugly event.
>>61573300>rejoin the illusion that things are fine, anon. Ignorance is bliss right? People I've talked to off the internet have guns and are waiting for when shit goes down. They seem like theyll be raiders. >>61573493cant wait to get the tech jab and live forever, but only if i watch 30 hours of facebook ads instead of dreams while i sleep>>61573500I don't get how this was a thing, that should've resulted in a huge revolution as its literally>give me your money now or face prison/finesThey will likely do this again at peak gold/silver value as a big fuck you to pmg>>61573568>yes goy, winning was promised to me 3000 years agoonly a loser would post this
>>61573622> People I've talked to off the internet have guns and are waiting for when shit goes down. They seem like theyll be raiders.So they’re poor
>>61573687sure, cops, teachers, even some doctors are all gunned up and ready. Imagine being considered poor for being a cop, teacher and even doctor kek
>>61573292Man your so obviously an American. If you were Japanese youd of killed yourself more than a decade ago
>>61573387I am a cop in Latin America. An old timer.2015 was paradise. The last 5 years have been rough asf. Happy new year, frens.
>>61573883I hope things get better for you.
>>61573280Working class could have 4 kids 70 years ago.
>>61573292401k? Why not just buy gold coins instead retard?
>>61573908Delete this antisemitism before I call my lawyer
>>61573893Thanks. May 2026 be better for us all
>>61573883Godspeed spicbro
>>61573928Amen
>>61573443>>President is a confirmed pedo and took private Sax lessons from Slick WillyHow did this become a meme again?
>>61573251We're entering the Caesarism phase of civilization. Massive frauds like the Somali daycare scam are making people increasingly aware that scarcity is artificial (both its artificial imposition and the government's refusal to dispense cash) are going to lead to (justified) demands by the citizens for direct payments, not unlike the literal handouts of loot the Caesar dispensed in Rome. Even if he was bluffing, the fact that Trump teased Doge dividends is evidence this is the direction of popular sentiment. Needless to say money has already become the primary force in society which decides everything, including elections. Trump, while certainly not a Caesar figure himself, represents the shift from "national" politics to individual politics. The Republican party is dead; people only want to know who will be the dominant *person* after Trump. Likewise, nobody cares about the Democrats as a party or platform; the question is now who the next *person* will be. Candidates were figureheads for parties. Now the parties are apparatuses utilized by persons.
>>61573283>>61573251>Rich people will allow the thing that gives them wealth and power to collapseNot gonna happen. Rich people depend on the stock market to go up so they will do whatever it takes to ensure their assets grow in value indefinitely. You can either get in on part of it or be left behind. Unfortunately that’s the world we live in.
>>61573251If you aren't part of the top 10% in 2025, you're lower class
In the 50’s we had a stable country, most everyone could make it, and at the end you got a gold watch from your company before retirement. But I think most were bored, despite how good it was. Which is why I’m enjoying the chaos.People want to blame the Jews, and I agree with that sorta. Actually in a way people should be almost happy with the Jews cuz they gave us inflated wealth which lead to a higher standard of living the last 50 years, despite it now crashing, but nobody stopped them when they were over inflating it. How can you be mad at the exploiters when the people are exploitable??? So when the NPC’s get super fucked it will be fun to watch. Cuz they believed in this bullshit system and did nothing to stop it.
>>61573251I'm doing just fine.
>>61573251The boomers stole the future prosperity they will be the last generation to have such generous pensions and social programs after they die off governments will enact deep austerity measures that will last decades only a fool can't see the obvious
>>61574025Link holders will be spared
>>61574025Denmark has raised retirement age to 70 years old. Denmark of all places. It already happened, I think the law passed in March or something
>>61574040More than just increasing retirement age the pension amount itself will be slashed, social welfare programs in general will be removed within 20 years when the boomers have almost all died off the governments in the West will have started deep austerity to pay down their debts and deal with the lower amount of workers paying into the system we're completely fucked the boomers fucked us all over
>>61574049Yes, the young generation is paying up for the boomer's pensions, but the actual paypigs won't get nothing in the end. There are barely any babies being born to pay for the retirement of current generation. It was a ponzi
>>61574061Zoomers so jealous. Sybau. Pay for yourself. Youre not paying for anyone.
>>61574219They are paying for the pensions and social benefits of retirees. In the next decade, by law, retirement age in the West will average at 85 years old.The real issue is not whether you can perform a 9 to 5 job at 65 years old. You can.But will anybody hire you?
>>61574226It is 67 now in many places already. Idk, zoomer complaining and seething is still annoying af.
>>61574228>It is 67 now in many places already.What do you mean? Retirement age?(Sorry, ESL and all)
>>61573334>the top 500 companies in the US are going to rugplease do some research on what an index is and realize there is an entire country out there earning and spending, all the doom and gloom you read about is not everyone's situation
>>61574236Many countries already raised it to 67. I think France did.
>>61574251France raised it to 64 from 62 and there has been rioting ever since and in France there's "special regimes" where if you're part of the civil service and have certain taxpayer funded jobs with powerful unions like rail workers your retirement age is 50
>>61574251Oh, I bet most first and second world countries are already at 67. That's not my point. I mentioned earlier that Denmark raised it to 70. My point is that it will be raised to 80 years old in the next decade.
>>61573251I went on vacation to Japan a couple months ago. One thing I noticed was that lots of old people there still work. I about nearly lost my shit when I saw two old guys operating a work truck at a construction zone. And they were old old. Like I wouldn't be surprised if they said they were age 85 old. That's the future I foresee for most people in my generation.
>>61574420We need a deep cultural change to make 85 year old geezers to be perfectly employable as construction workers.We need to start pushing this new zeitgeist adap
>>61574451*asap
>>61574451Sure.
>>61573960only Trump and Elon with DOGE got stumped and now all of a sudden Trump is very very pro Israel, beyond what he normally was. Some shit went down and corruption came up and put him back in order. It's obvious who really runs America, its not even hidden anymore and the next thing they do is bound up american citizens by fear and ignoring the constitution. Already the first amendment is ignored, 4th will be next, then comes the full on assault on enslavement. The lack of action from the people is the downfall for them. You think things are "tough" now, wait until you no longer get to pursuit "happiness" and no longer have food availble to "purchase" around you. Sucks, but hey im sure the Indians Europeans conquered had it ass as well, only this is a new age of warfare where "political correctness" is a veil for control and securement over populations.>>61573975They included home ownership in the mix. So if your shitty house you bought for 20k 30 years ago is now worth 700k, that goes towards it. >if you removed home ownership value from the equation, the % drops down to 2.3%, less than 1/4thGee, when the market crashes it wont be 10% anymore...
>>61574049correction>boomers are still fucking you over, who do you think runs politics and controls the country's wallet?There will be very little survivors, unless people group up and run RAIDS in Shadowlegends.>>61574226You accept this? Lack of action is an answer as well anonThey key word here is theyre going to keep beating you and taking things from you until you either have nothing left or form a militia. If you sit back and think about it, you are AUTOMATICALLY taxed every step of the way... then you have to FILE taxes to get a TAX RETURN... aka what you overpaid the gov. Funny how they have a fully automated system to extract value from you but make you work to get any overextracted value back. I wonder how many people dont bother and are owed money? Its a rigged system and it was slowly built up because of people being complacent. Now that money is being used to murder others and given to people not even legal residents of the same country. Clown world indeed
>>61574502>You accept this?It already happened. It is a done deal. Look around you.If you are serious, you should be talking about slowing it down. Cause the damage is already being inflicted.
>>61573251Americans live better than the kings of old. We live paycheck to paycheck because we suck at managing money,
>>61573251What's the point of slightly elevated wealth at any stage of life? Wow, I can be a consumer.
>>61574585I have it and it solves absolutely nothing
Since when was everyone in society meant to "make it?">>61573443>Your brain on foreign propaganda.
>>61573292I bet you have a fat ugly wife who bosses you around too. Keep being a good goy and maxing out your 401k retard.
>>61573782> sure, cops, teachers, even some doctors are all gunned up and ready.Cops are borderline retarded on average. They also shoot 50 rounds a year on average. Cops are laughable when there’s not a zerg rush of them in waiting to come after you. >teachersEven dumber and less scary>doctorsShould be smart enough to know that their worth isn’t in gunfights. Their guns are for defensive purposes, not raiding.
>>61574535Every actual real world metric says otherwise.
>>61573292This is it. Thank God I understood the assignment when I started working 10 years ago. Now I'm so well setup that I don't work. With money being such a major stressor for so many normies, you would think they'd try harder to take their finances more seriously instead of complaining.
>>61574521but you still have things to lose, right? What happens when you can no longer lose things?
>>61573251>"not to be a doomer">continues to write the biggest pile of crap about the west anyway
>>61573251You think this was an accident?Whites cannot form families when housing is unaffordable and everyone is drowning in debt.The entire system is geared towards white genocide thanks to you know who.
>>61574965Niggers can afford families in a huge pile of african cow dung.
>>61574226I don’t care what the “retirement age” is. I’m not working past 55. I’m not banking on government programs at all. I will accomplish this because I’m not stupid.
doomer are so stupid, go spend all your money on prepper shit if you really think everythings gonna collapse, I will continue making shit tons of money investing while living my best life.I just had the best year of my life and am looking forward to the new year, so many doomers seem to assume everyone else is a loser like them.
>>61576270Based, keep winning king
>>61573297>collapse is around the corner>you sold your shiny boomer rock stackNGMI
You can't control the future. The problem is that for the past 100 years, we have been convinced to trade our present happiness in exchange for a better future. The whole system falls apart with the prospect of a worse future. Everyone starts to wonder why they are sacrificing so much now when there won't be any payoff.True security means owning a business, owning some property, having friends, having family, having a community. We have traded all of that in exchange for cash and equities. Once the wages stop flowing and times get desperate, we are going to collectively realize this. Millions of children will go to bed cold and hungry, there will be riots in the streets, there will be world wars. But again, don't try to control the future, don't try to predict the day and date this is going to happen.Now is the time to get fit, now is the time to lower your expectations for material wealth, now is the time to find friends, now is the time to stop sacrificing today in exchange for a tomorrow you know will never come. Don't sit there counting on a retirement that will never come and medical care that you won't be able to afford.
>>61574226>determining that you will retire at an arbitrary age the government decided for youImagine being such a loser your goal is to work until the government tells you that you can retireWhy not retire in your 40s fren?
>>615746802025 had the most consumer spending in American history, hardly an indicator that people are so poor like you claim
>>61573292>index fundsdesperate wall street shill
>>61576348Can't do it. Trapped into the rat race. Family to support. Main breadwinner yada yada
>>61576352I think there are reliable stats stating that the top 10% American earners do most of your consumption and the 90% feed on indebted credit breadcrumbs
>>61576402I’m in the same boat anon a Wife, 2 kids and I’m the breadwinnerTruly wish you the best, we are gonna make it fren
>>61573251because (You) don't matter.
>>61576352Is that inflation adjusted? And how much is in short term credit that people can’t really afford?I’m not buying into the doomerposting, but context matters.
>>61576411>the top 10% spends money they have>the bottom 90% spends money they don’t haveGee I wonder why some are in the top 10% and some are in the 90%Could it be bad financial management?
>>61576428I don't know, bro. Shit hit the fan at the wrong time. We are too busy to gtfo the sinking ship. We try to hold our heads (and our family's heads) above the water but there is imply no time to row harder
>>61576440Not really. The game is rigged nowadays
>>61576441Just think of a different perspective In the worst economic time of our country (You) are still keeping your family afloat while being a breadwinnerDepending on your age that means you are most likely more successful than your peersIt’s easy to feel doom and gloom because you want more, but the skills you already have will still apply when the economy is better (assuming it gets better)
>>61576445>the game forced poor people to use credit cards to go see the next marvel goyslop moviethe game is rigged, but you have a self responsibility to rise above it, otherwise you’re accepting defeat which is what the game riggers want
>>61576451Thanks for this postI already am (barely) among the top 10% earners in my country. But it feels like fighting so hard against the relentless, coming tide that you wake up tired asf. I wanted some progress. Getting ahead some tiny bit, getting ahead a tiny bit year after year after all the hard work. Instead, it is a daily fight to stagnate. To not fall down
>>61576470I am a top 10% earner as well and am fairly youngDuring this time I have found to appreciate what I do have more, my wife and children look up to me as a strong role model who puts a roof over their head and food on the tableAt the end of the day I want more comfort, more opportunities and happiness for my family but I have to remind myself to be humble and thankful for what I do have
>>61576506>I am a top 10% earner as well and am fairly youngI am definitely not young>I have to remind myself to be humble and thankful for what I do haveTruer words were never spoken. You've got the mindset, Anon. You're gonna make it.
>>61576359this doesn't account for dividend reinvestment..
