Are we seriously supposed to wageslave for 50+ years? How does anyone do this week after week for decades?
>>61965233Yes you're supposed to do this all the while women reject you
>>61965262> while women reject youI don't give them the chance
>>61965233You either 1. no-life and retire with a large plot of land and retirement in 40-50 years2. Get a wife, have kids, get divorced and see your kids every other week, pay alimony/child support and scape by in a one bedroom apartment till you die.
>>61965294Is marrying rich an option?
>>61965309If you want to simp for a bitchy old hag, sure. Why not just end things at that point.
>>61965233>you can retire in 50 years...>assuming the dollar maintains its value (it wont)
>>61965331>Why not just end things at that point.Just seemed like a better option than the ones you presented. Plus I could divorce her and have an earlier retirement
This lever pulling system known as capitalism wont last 10 years never mind 50
>>61965294Replace 1 br apt with a literally decrepit house (I couldn't afford the rent) and that's right on the money
>>61965233do americans really need to spend 90k per year to live? wtf
>>61965413That's terribly optimistic of you
>>61965233>saving rate of only 10%what did you expect?
>>61965233>forty years working, working, always working; and ever since his son became old enough to labour he had helped his father in the philanthropic task of manufacturing profits for the sweaters who employed them. They had been so busy running after work, and working for the benefit of others, that they had overlooked the fact that they were only earning a bare living for themselves and now, after forty years' hard labour, the old man was clothed in rags and on the verge of destitution.Your charity is appreciated.
>>61965474>OMG THE WORLD IS SO FUCKED!!!I got doomer-fatigue.
>>61965500Checked but the world can stay fucked for longer than you can gaslight yourself otherwise
>>61965500Disgusting place where you have to park in front of the store. America is disgusting.
time moves fast the older you get
>>61965536The world is not fucked, you are just depressed.
>>61965233Unironically, I put my shit into this and it told me to quit my job today. However, I'm a six-figure WFH Chad so why the fuck would I do that? Lol, lmao even.
>>61965573How compelling
>>61965597Like nigger just turn off the screen and I promise you'll see things different in a month.
>>61965536>>61965542based fuck carfags I don't care how nice it looks in one cherry picked picture of stuff built a century ago that the jew libs coming to rentcuck in it will not stain with their aids ridden cum. each store there charges 30 dollars for a soggy sandwich and 30 for a pound of chicken salad. the goyim need to get their act together>>61965554time moves as fast as you perceive, if you get tricked stop it now
>>61965233I don't. I just neet and lose all my money on CFDs like a gambling addict.
>>61965233I am 30. I have calculated that unless I get fired, I'll be able to retire within 10-15 years and then live a comfortable middle-class lifestyle. I'm europoorean so it's not that trivial to fire me.
>trash savings rate>trash return being a retard is hard in all timelines
>>61965233earn morespend less, why the fuck would your total spending be 90k even 20 years from now?
>>61965233It costs over 90k to live a middle class lifestyle
>>61965233If you are stupid enough to keep paying into bankrupt sovereign bond ponzis by being a Boomer tier slave waging 40 hours a week and paying between 30 and 55% of your production to get nothing, there is only yourself to blame
>>61965294I defaulted to option 1 over 10 years ago when I realised I was a forever alone loser. My savings and investments plus my inheritance and only having to look after myself and maybe a dog mean I won't have to work all my life.
>>61965940because obviously the desperate road forward for 50+ polity leeches is debasing the currency to turkish lyra levels, in a desperate desperate attempt to hope that they are not the polity that holds the time bomb when it goes off and they get beheaded. So the 90K are going to be more like 30K or probably looking at the 50+ overhang 10KThe only rational way forward is not slaving 40 hours a week but front running the obvious increase in "criminality" and the limited and more limiting resources of "states" to deal with their own 6 decades of straight fuck ups
>>61965294>>61965331What about getting an 18 year old wife. Is that possible now?
>>61965233Try to see it has 5 distinct decade long chances to make it
>>61966403>P-lease create more debt slaves so "we" can collaterize them for the ponziHow about no. How about slashing the top of 50+ during a gerondocide. Same effect
>no accounting for parental help>90k spending per year is ridiculous>assumes single income household>assumes no raises everhow did someone get a 100k/yr job and forget all the above. doesn't make sense. this is a demoralization shill thread designed to get you to spend more time in your bedroom.
I started from zero in USA, ground out a post grad education living quite poor, now in 7-figure land after 10-15 years. its not that complicated...just do something sort of difficult and pretty useful, you'll get paid a lot.
>>61966464>Parents helplmfao, the boomer and GenX get thrown into the streets and their god the state can look after them on their fixed ponzi income and promises from polity from 40 years ago
>>61966464>>61966512yeah, my parents didn't help a dime. I actually inherited a ton of debt from them since they were really poor and decided to have kids to cope. I still help financially because I feel bad, especially my younger brothers. Probably won't have any kids because it sucked so bad stressing about money growing up and it would only be much worse with kids and worrying about how they can make money to not NEET at my place forever.
>>61966546>I am helping my parentsStupid analog scum detected. Do yourself a favor now and kill yourself and your parents
>>61965233Why are you only saving 10k with 100k income? I spend like 10k a year.
>>61966606its a boomer tier "greed" thread.The boomer and GenX was easily influenced by the methodology >look that piece of shit I dont know slaves more than I for more worthless token and pays more taxes>I better work more to pay more taxesunfortunatelly for the Boomer tier propagandists that methodology doesnt work on digital gens. They shrug and call the boomer a stupid slave
>>61966546sorry anon. hope things turn positive for you.
>just live on 40-60k of expenses a year you retard!even 10 years of eating mealworms and living in a shoebox while working one's ass off to make enough to tuck back another ~80-100k/yr is infinitely too much cortisol for any one person to handle. don't be intentionally dense.
>>61966711>P-please look listen to my shilling>C-come on goy... I mean guys, work and pay taxes>At least pretend so the numbers dont look total shit and the ponzi can be rolled over until we are deadno. the next 5 years are going to be the end of 54 years of pyramid scheming and ponzi playing on the future and your final 30 years max are going to be pure torture
>>61966711>too much cortisolMost of the world lives in abject poverty, like 80% of people live on less than ten dollars a day.
>>61966737>he thinks I want to work and pay taxes because I work and pay taxesI just said don't be intentionally dense. obviously the entire point of this thread is that being trapped in the perpetual CBT machine until you're 60 or older fucking sucks ass. I'm just tacking on that subjecting yourself to the hypobaric CBT chamber to get out faster is just as bad, if not arguably worse.
>>61966766knowing that our collectives' dumb fucking lifestyle is dependent on the rest of the world eating an even bigger shit pie doesn't exactly make me feel better about it.
>>61966771Sure thing shill>p-please just sometimes>y-you can job hop>y-you can pretend>b-but please take a position that is over taxable income>o-our sovereign bond ponzis depend on itkys shill. You really think that GenZillenial hasnt figured out that doing the bare minimum and not being a retarded BoomBoom slave is accelerating the collapse of the entire ponzi?Anti work
>>61965233Just change your savings and expenses around and you can retire in 5 years
>>61966795I am not in any way advocating for any form of work at all you absolutely deranged moron. like me repeat it again: shit fucking sucks. I cannot be any more clear on this matter.
>>61965940I think you might be a touch retarded. In the US making $185k and assuming a state income tax rate of just under 5%, your TAXES PAID would reach $55k. How tf are you living on $10k unless mummy pays for the roof over your head and your num nums?
>>61966842of course notKYS SHILL BAGGIE
>>61965233bro if you havenet gone NEET yet you are way behind the curve
>>61966766Yeah you can "retire" to a tent in the woods at any time or maybe to a minivan. I'm trying to retire somewhere with hot water and wifi.
>>61966924>Retire>Retire >Retire Its extremely obvious that you faglords are all 50+ that fell for polity promises from 40 years ago.
>>61965233If you don't have 1 million at least already, you're ngmi
>>61965233>save one million big ones over the course of my life for retirement>Covid comes and everything became expansiveAnd now I work still and come out of retirement. My advice to young person is always to WORK WORK WORK WORK WORK as many days and hours as you can while young because you donot want to be like me (old and working).
>>61967569>Please generate taxable income >P-please Nope
>>61967585Not all of us can collect disability for life like you neets you know
>>61965233save more than 10% ? or are funko pops your reason for living?
>>61967586That's not the point. Robbing the old is also work, but it doesn't help stabilization of your dying fake order, with security forces being 55 on average, legal systems already on their resources limit and trust being historically on a level of 1787
>>61965233I agree. Nobody should actually have to do physical labor.We should all be collecting digital money, while we shitpost on digital websites and live most of our lives in a digital world. We can sustain ourselves on digital food, digital energy and digital healthcare too.
>>61967613>Trust the state>Please Kys communist. You are about to be hunter to dead
>>61965294i can get 1 done in 5 years, then when i die its going to a 501c3 so no shitty nigger family gets my stuff...if my property borders state land or forest, i will donate it to the govt
>>61967633>I trust the political sphere You are pretty much alone looking at the 22-26 trust metrics. Only one direction, down. There won't be mercy for loyalists
>>61967624/retardI'm the most anti-communist person you could ever meet.
>>61965233Set withdrawal rate to 0% and annual return on investment to 7%
>>61965233>trusting some random website>>61965447No. My wife & I are about to retire and we spend $35k-45k/yr (depending on random expenses), all of which will be covered by our social security even claiming at 62. Our investment portfolio (currently around $2.4m) will probably go to our kids and grandkids in its entirety.Your expenses go down as you get older, you don't need to buy as much stuff since you don't need a new car every few years, you don't need to go out clubbing or to restaurants every other night, your house is paid off, you've got all the clothes you need, you don't feel the need to have the latest and shiniest phone, etc.
>>61966546>inherited a ton of debtwhat hellhole do you live in that debt is inherited?
>>61967726I *think* the withdrawal rate is the proposed retirement withdrawal rate, the calculator is using that to figure out when the accumulated savings is enough that the withdrawal rate * savings = living expenses. Which is utterly retarded. And actually his return is reasonable, that's pretty close to the real-world inflation-adjusted geometric return of the S&P 500.https://www.youtube.com/watch?v=Yl3NxTS_DgY
>>61969621>you don't need to buy as much stuff since you don't need a new car every few years, >you don't need to go out clubbing or to restaurants every other night, >you've got all the clothes you need, >you don't feel the need to have the latest and shiniest phone, etc.But you don't need that even at 30. In your 20s you can easily be influenced and feel obligated to get the newest shit, but at 30 you should be experienced enough to see that it's all bullshit for nigger-brained idiots.
>>61970239No you don't, but it takes some time for most people to figure that out and to get to the point where they don't even *want* it in the first place. Some people never get there.
Give up on owning a home and live in a cardboard box.There, you can retire today
>>61967723Nope you are a communist.
>>61965500You're being spied on 15 different ways at once every moment you walk down that street.
>>61972048might as well die at that point
>>61974105>Be afraid State actors and contracted privates can just watch and write reports that nobody reads about scrapping bodies off the floor after it happened. There is really nothing to be afraid about regarding the panoptic shack of incompetent boomer socialism.
