why does the thought of saving money to retire early make people so angry?
>>62153570do they never think that if they hadnt made our cities so diverse, our jobs so depressing and our living/commuting conditions so hellish none of this would happen? no one wants to spend their life on a bus commuting to work with a bunch of joggers who could stab you to death any second
>>62153570They know deep down they dont have the discipline to do it or they have kids/family and they'll never escape the rat race. They're slaves until death, so freedom makes them seethe
>>62153570he's going to lose it all in the divorce anyways.
Is 60% supposed to be a lot? Is 35% going torwards rent? Maybe change that instead of counting beans
>travellingbiggest fucking waste of money there iswomen are such a fucking pointless financial drain it's not even funny, they're perfect goycattle
>>62153604Yeah but happy people are harder to ply for """ progress""""You have to go to all.the trouble to wrangle/assassinate opponents to central banking, start wars to cull the best and brightest, increase taxation to kneecap the successful ones that didn't get culled, start another round of wars to cull the next set of up and comers, then import the difference, because you don't want number to go down, do you?
>>62153862>go to all.the trouble to wrangle/assassinate opponents to central bankingAnd yet crypto was allowed. What does that tell you?
>two people in their 30's>450Kare they planning to FIRE in Zimbabwe?
>>62153570His wife is right. He should be focusing on multiplying the money he already has, and possibly getting better pay. They've been working for what, at least 8-10 years, throwing away the best years of their life physically, to only get $450k saved? If they're actually saving 60% they're not making enough, and he needs way better investments and return rates as well. No matter how much money you retire with you will never be physically in your 20s again. So it's best to spend more money and do the bare minimum, and start seriously saving and investing more in your 30s as you get a better salary and have already lived your life. But since they never had their 20s they should do it ASAP. Cutting from 60-40% isn't really that bad if you actually invest and switch to a job with a better salary. What's the point of ending up with a lot of money if you can't even use it properly?
>>62153570You're steal money from social security later
>>62153878Bitcoin got off the ground after multiple failed attempts for years at a stateless ecurrency, but I doubt you remember egold or flooz. And you clearly have not been, nor are you currently, paying attention to the central banking opinion of 'crypto' writ large
>>62153925In fact, one need only look around at the state of the posts on this very board to see what kind of manufactured consensus is being pushed with regards to bitcoin and cryptocurrencies.
>>62153898she should leave him for someone who makes more and he can keep saving 30k a year himself lol.
>>62153570I would probably go to 50, but I would also want to start a business of some kind for passive income (or whatever) latter in life.>60% savingsI try for 90% kek. No wife no gf thanks mom for banning me from dating in hs no I'm not interested in your friend's daughter who is now a single mother working as a nurse no I don't care that you're technically a single mom because dad wasn't around when I was a teen you should have just let me have a fucking life instead of kneecapping me at every opportunity kthxbye.
They should have children and stop thinking how to minmax their consoomer potential
>>62154113>just make more consooomers goyhello rabbii am trying to escape samsara (or return to the pleroma if you will) and i won't make any more soul vessels for you
>>62153570DINKS should be taxed at much higher rates anyway
>>62154151You don’t need an income or savings of any kind for this though.
>>62154313Too bad those "DINKS" will move to a tax haven while you'll suffer & starve to death like the tax cattle that you are faggot
>>62153570Actually crazy that the two of them with a combined income have a lower net worth than me. Given they mentioned their bank account has the 450k it sounds like they don't invest at all, no wonder their lives suck lmao.
>>62154357Sounds like they put all their money into money market accounts or some shit
>>62154313Or how about we just get rid of income tax serfdomThe gov needs an order of magnitude less than they have to do their jobs properly, and they can get all of that and more from consumption taxes and tariffs like civilized nations do. Got a bad tariff deal? Get better diplomats or get those vassal kneepads out. Not my problem
>>62153570do you really need me to explain this?stocks are a rent-seeking behaviour. money exists in order to allocate labour. if labour switches to rent-seeking, value of money goes down, as less actual work gets done. eventually, society collapses under the parasitic load.
>>62154319you have poor reading comprehension
>>62153570Do not talk to normies are at, except for trivial subjects. Like the weather. More espially, do not talk to normies about investments, ever. Do not even talk to semi-normies about investments.
>>62153570Twitter comment on a twitter comment on some stupid ass redditor who has no kids need it stated to him that he has to choose between retiring early without a wife or retiring 5 years later than planned with a wife still by his side. fuck you anon
>>62153570the reddit post looks like AI no one talks like that. i cant imagine being in a relationship where I'm not married to a fellow cheapskate.
>>62153955thanks for the blog post. i'd bet you $40 the reason you can't get laid has nothing to do with your mom and everything to do with you being broke and ugly.
>>62154459>labour switches to rent-seeking, value of money goes down, as less actual work gets doneIn theory it would push down returns on capital and push up the value of labour, which would make it more worthwhile to continue working.In reality they will import infinite Jeets to do the work, pushing down labour costs and juicing returns on capital. Productivity and wages will fall which make it even less worthwhile to work. Society will eventually resemble India. This is happening to every Western country.
>>62154710>I must get offended on behalf of someone else's shit parents>I'm mad that you have more money than me>wow you don't want to bother with roasties when retirement is in sight heh but sex Sex is overrated and you're a normalcattle faggot who will never retire. Bet you bought chainlink lmao.
>>62153570Driving a car from 2011 muST be such a HARDSHIP!
>>62153570he will hit his FIRE goal and still live a miserable lifestyle for the rest of his life, with the fear of running out of money90% of women would rather live with a wageslive that will fund their lifestyle without complaining
I just don't see the point in FIRE. I have to live like a bum for 10+ years and my reward is getting to live like a bum the rest of my life? What's the point of having money if you can't do anything with it? When I was single I saved 30% because I didn't do anything but play video games and go to the occasional convention. It was worth it because I didn't really sacrifice much and it meant I could do what I wanted to do (video games) all day every day sooner. Now that I'm in a serious relationship my savings target is down to 5%. I'd so much rather do things with her like travel, go on dates, go to events, etc than just stay at home all day like a loser so I can retire a little earlier. We're going to have kids, and we want to enjoy the few years we have before then. I want to enjoy life with my wife and my children, who gives a fuck about retirement? Great I can spend more time with my wife when we're in our 50s and can't do shit anymore and more time with my kids when they're teenagers and about to leave for college anyways. All I have to do is sacrifice the best years of my life. No thanks. This all assumes I don't get hit by a car at 35 anyways.
Most people are poor and won’t even retire rich.
>>62154834>why is having money when you're old better than not having it?really think about this anon
>>62154834people really think theyre saving for themselves at age 65, and not to pay for the expenses of raising multiple children to age 18. you stupid idiot. if i didnt want kids my life would be so fucking easy
>>62153955You probably shouldn't throw on purpose just to spite your motherIn the end she will be dead and you will still be stuck living your same life
>>62153898i'm 39 and have $500k. i'm NGMI?
>>62153570Getting married or cohabitating with a woman is the complete antithesis of saving money so
>>62153951She's gonna take half of it on the way out of the door LMAO.
>>62154834>I just don't see the point in FIRE. I have to live like a bum for 10+ years and my reward is getting to live like a bum the rest of my life?the reward is not workingyou can tell this poster is an unemployed neet larping because the bait is too low quality to be organic
>>62153570>check out of societybuzzword phrase, but the truth is we don't live in a society anymorewe live in a big cold economy
if we DID live in a society, the twitter nigger (this is a blatant spam thread) would have more of a point
>>62154151>muh voluntary extinction cult
>>62154717It is true, India has this. Most well off people don't even work, and do token work after reaching 30-35.Labour has neglibile value, it all depends on your birth.I am very thankful to god for this comfy life while westerns dream of FIRE.
>>62155020How does this affect you personally?
>>62155020People in power set up the incentives, not us. And the incentives in play today tell us not to have kids. That's why the only people having kids are richfags who don't need to minmax the incentives or retards who can't even comprehend the incentives
>>62153570They should tax not income but the total value of a person including unrealized gain. The leeches must be purged.
>>62153570modern work is a torturous humiliation. i don't blame people for speed-running an exit plan.>no, i don't think i will allow myself to be bossed around by some yarmulke wearing CEO kike until i'm 68 years old.>no, i don't think i will RTO and commute 1 hour each way to appease a mentally ill faggot manager.>no, i don't think i will train my indian replacements as a condition of receiving a meager 4 figure severance package.>no, i don't think i will work harder every year for a 2.3% """cost of living""" raise in light of 7-10% real world inflation.
>>62153570Bro, I swear to God everyone is a fucking retard.>>62153570>They're hard workers and intelligent>their productivity is going to wasteBy definition they're front-loading their productivity, so none of it os actually going to waste. They're working hard early so they can coast later. Some people never work hard their entire lives and just leech off of the system. Bumbadum is a fucking retard.
>>62154834>I am a cuck faggot findom slaveKys retard. Your gf sucks foreign mens penisses.
>>62153955>>62154913this is how chuds win
>>62153570Shes 31 years old, the fact she wants to cut back on savings not to have children but to "travel and enjoy her 30's" is a red flag. He is also retarded for not thinking of this, he wants to retire at 40 and do what exactly?
I feel like the most intelligent people choosing to clock out of society is more of an indictment on the society than the people
>>62153570some people are stuck in the perpetual slave mindset
>>62154372I would eliminate income tax and then replace that revenue with a tax on unrealized gains. I think taxing people for working is the dumbest fucking thing and only people who own assets should be taxed. I say this as someone who went FIRE at 27 and hasn't worked in over 10 years.
They spent decades of their life doing the same thing so that thing now defines their life. It's "soulcrushing" to read a book, drink some coffee, go on a walk, and wake up when the sun wakes you up in the morning.They never got to do leisure (the thing that builds all wealthy societies), so now they're confused and anxious when they're given leisure activities to do. Think about it, every hour they did leisure is one less hour they have per day, and they already have less than 8 of those to start with.
>>62153832Depends on if they mean a road trip or trips to Italy, they'd have to get a non-beater car but after that it's just gas money and time off work and you can literally drive to 48 states.We did vacations making below the poverty line no problem because you could drive to anywhere in america and in every single city or even town we went to there was something free to do. If you wanted to further optimize this (we never did, too many of us were kids and we didn't have the space / money) you can bring your own kayaks or bikes.Basically traveling is actually extremely cheap if you don't do meme-traveling trips to europe, or plane rides, or hotels / motels - setting up camp in a state park takes like 20 minutes and is viable even if you're homeless because it's so cheap.
>>62154834>Savings target 5%I can tell it's fake because of this. The savings curve doesn't make sense at that number, it's all about your current QOL vs what future reward it brings.And the ideal seems to be around 40-50%, because you start hitting diminishing returns where that extra 10% of savings costs you a proportionally larger chunk of QOL since you're working with less, and you have basic living expenses eating up a percentage so you don't start at 50 (unless you don't have those then you start at like 75)But the rewards curve doesn't match up, 60% as some married guy is retarded, spend an extra 10% and you get QOL now and also later but investing an extra 10% would nuke your QOL.
>>62153832If you've never got shitfaced in Shinjuku and running away from nigerians you're missing out man
>>62153709yep, no kids? even if he gets what he wants, in their 40s, no kids? they're gonna get sick of each other and divorce, i mean, what other point is there in staying together.Also, how is 450k in the bank worth anything? i have that much in equity im not currently using (gonna invest in investment property soon), and im far from rich, and i earn way less than them.
>>62155640i was in an office retirement meeting and they were begging people to save around 5% at least and try to aim for 1x your salary by like age 35 I was sitting there like pic related
>>62153570I'm an engineer that "checked out of society" at age 33 mostly thanks to BTC.It's hilarious seeing people like this seethe because we escaped the rat race. Atleast they understand that there's no point to work for more. The whole incentive mechanism is fucked up. They keep taxing you more as you make more money and use that money for gibs and stupid wars. QOL increase keeps getting more and more expensive because of dumb green initiative. Might as well value leisure and time more than to try to make more money
>>62153570The reality is, unless you’re a mid 6-figure earner, it is impossible to maintain a family while investing this aggressively. Your wife will leave you and take half of the money you’ve invested to blow in two years, and the house if she’s lucky. Women will force you to live your entire life in debt slavery before they let themselves be perceived as low class by driving a shitty car and not going on vacations to post on instagram twice per year. Children only multiply the problem.
A lot of goys think you need to spend half of your paycheck on nonsense to “live”. The guy he quoted was maybe going a bit too far though, nothing bad about 1-2 nice vacations a year.
>>62155601I get that idea, but the only thing that does is prioritize cheap plastic bullshit because nobody's going to buy high quality anything if its just a hot tax potato. Taxes only work at the transactional level and not the static level, since that's the only place it can promote growth instead of stifle it and converge towards more statism.
>>62153570I don't think they make as much as they think they do, and he's lost sight that the purpose of an income is to allow you to do the things you want. Just saving it because you're scared for the future in an economy that might go belly up is cuck shit. Especially when they could at least invest it to earn more. Penny wise, dollar foolish.I'm sure their diet and lifestyle suffers for it too, so not sure how healthy they'll be long term to enjoy their measly savings.
>>62155653It truly is like that anon, too bad, I bet if they brought in a powerpoint of my "quality of life curve" and explained that 5% is only 1/2 as good as 10% but costs you literally nothing it would convince them.Every time you talk with normgroids about finances it's just unbelievable statements.
>>62153570It's the ultimate ignorance is bliss. Many would rather choose to live moderately comfortable lives day by day, opposed to living like hell for 5-10 max and live it up for the rest of it.
>>62155700I was late in getting a professional job, but I luckily had family and managers at work who emphasized saving at least 10-15 percent. I tried doing the same at other roles and got the>oh jeez anon, the LAST thing I can think about right now is saving!No actually, the most important conversation you will ever have in your 20s is someone telling you to save a fucking fraction of your paycheck.
>>62153709its reddit. she's already getting railed.
>>62153832>women are such a fucking pointless financial drain it's not even funny, they're perfect goycattlehence them now holding the majority of T2 jobs. ((they)) know that women will always be willing to spend it all to keep the machine running. Its all very simple when you view it from this lens.
>>62153936this is true. however there are many coins that deserve their reputation
>>62154834>I have to live like a bum for 10+ years and my reward is getting to live like a bum the rest of my life? What's the point of having money if you can't do anything with it?I am a goycattle and this is my post
>>62154917nope NGMI
Incentivizing people against doing labor so they can sit on assets (that require other people's labor to be valuable) is bad actually
>>62154151>>62155312>don't have children goy (but only if you're white) (be a cool wine aunt instead)>>62155449This is true and I don't disagree with you, just know that that's what they want. They set it up this way precisely to achieve the end of white people not reproducing. I am reminded of when Israel was conquering parts of Palestine years ago (not the current war) and they hijacked the local TV stations to broadcast pornography to weaken the fighting age men. They know exactly what they are doing.
>>62155742>>62155755>I don’t know what compounding isAlso, one in ten Americans are millionaires because of homes that are wildly overpriced. Barely anyone out there, at any age, has $500k in a 401(k).
>>62153570I mean he literally says it in the post nigga, it's just bad for capable people to not contribute to society. You don't want people with >115 IQs to be spending the last half century of their life as one long vacation. An elementary schooler could figure this out. Whatever narrative you tell yourself about the entire economic structure that our society runs out being fake and jewish is ultimately cope and deep down you know it
>>62155779It's not a fake cope though. The problem is that we used to have a social system that rewarded men who worked hard with sex. It sounds simple and perhaps vulgar but that is the main driver of men and the West was wildly successful because of it. Men respond to incentives and the best system set up a way for competing beta males to constantly try to one-up each other for social status via their careers and achievements. The unleashing of women ("Sexual Liberation") revealed their true nature and what they really think of the cattle who slave for them; they sexually reward good genes and are completely disinterested in beta provider traits before age 30 (which is coincidentally when women's sexual value plummets). "Man up and marry those sluts!"Men are simply responding rationally to the feminization of the corporate workplace (which has made it insufferable for men), the matriarchal structures of our society in general (banned paternity testing, divorce laws etc.)
>>62155785This just doesn't sound like a realistic interpretation of what society used to be like. How can that be what made the West unusually successful if having access to an abundance of resources is associated with access to sex/women everywhere else too?And why would men be incentivized to excel in a society where they get married in their late teens or early 20s and then they basically have the woman on lock for the rest of their life? It's not like they were realistically going to get divorced if they didn't stay ambitious into their 30s and 40s. If anything, you're more likely to get broken up with nowadays if you don't excel, and having money (which working hard is a proxy for) is still highly valued in the dating market. Even the conclusion doesn't check out desu, outside of NEET-coded, antisocial communities I don't even see any evidence that men really are checking out of the economy en masse like that. By and large most normies are still normie-ing on. This whole redpill/blackpill narrative doesn't have nearly as much sway in the real world, even if it accurately describes things it isn't widely believed from what I can tell.
>>62153570>only 450k>OUR meaning he has probably max 200k by himselfif he is a mechanical engineer he can use his skills and money to find gaps in his field and solve them instead of living like goycattle, and if lucky become a millionaire in the process>b-but in 5 years I won't have to count money, I'll be living on divviesthat time will be even worse, especially if there's a big market event
>>62155005>>62155494>>62155738>If you're not miserable the Jews win
>>62155640The 5% isn't for retirement, it's for emergency savings. I don't plan on saving for retirement for some time. My plan is >30-35 saving for kids>35-45 saving for college>45-65 saving for retirement20 years is plenty of time to save for retirement. You make more money later in your career and can contribute more later with less impact.
>>62156041This all assumes you don't get hit by a car at 45 and now you can't retire because the settlement only just paid your medical bills.
>>62156058I have supplemental insurance for that. It's very cheap and will ensure I get at least 30% of my income for life if I'm that disabled. Plus I could get hit by a car at 45 and die making all my retirement savings moot.
>>62156041This is retarded logic and how you'll end up working until you're 75. Starting investing in your 20s is the best because you'll have more time for your contributions to compound in growth.
>>62153899What are people doing in their 20s that they can't in their 30s or 40s? Sure...if you're an obese football player that peaked in high schools, it's all downhill from there. My dick gets just as hard as it did when I was 15 with no pills, and cardio doesn't even peak until mid 30s.
>>62156078I'm planning on working until my mid or late 60s. That's not a problem for me.
>>62156084have fun wagecuck
>>62156020spending money makes me miserable though. All it does is give me anxiety. Every dollar I spend is just more time I have to spend working and the less security I have if something goes wrong. And nothing I spend the money gives me at that much enjoyment anyway. I dont care about traveling, concerts, eating out, etc. Ive done it all, been to several continents, dined at Michelin starred places, etc. Its all pointless. I enjoy a quiet, peaceful life. Your misery is my freedom, and vice versa I suppose
>>62153832travelling with FRIENDS is a very kino experience, and the crazy fun stuff you experience, you'll be talking about for years. You're missing out, travelling every year? nah, 2-3 years is great.
Easy answer. Most people can only hate what they can't fathom/achieve see:>>62153618Maybe it's not about the goal, but the journey along the way because boy was this a funny ride until now.>me 22 student, part time job with good pay- balance at the end of every month: 2,68 bucks> find the face hair fire prophet> that could work out let's try it for some timeffw 10 yrs500k house paid off, married, 2 kids, stay at home wife, 20k cash 800 bucks "safe" monthly pension in goverment pension scheme, and approx 100k in an MSCI ETF, depending on what Donnie tweets todayI'm working only 30-35h/ week atm.By next year I should have finished the rental flat so get a bit rental income and tax deductions to push the savings further.Along the way I:- was invited to dinner with 4 millionaires - spent my 5 grand emergency savings as venture capital for a startup that failed later and I would do it again- "found" 100+ Kinder Maxi surprise eggs- sold a toy car for a grand that I dumpster dived- was offered a job from a technical director of a very very large company and one from a master tiler on the same day- ate probably 10 deers worth of beef jerky while chilling at a lake with my mates like a school of stranded beluga whales after a storm
>>62156082Sounds like cope fren>cardio doesn't even peak until mid 30sSource/proof?
>>62156041Do not fucking do this. A few dollars in your 20s will be worth thousands in your 50s. The only thing that matters is time in the market. Do not fucking start saving for retirement later. Do not be a retard.
>>62153955Lmao based turbo chud masterrace
>>62155477>everyone is a fucking retard.Checked and yes. Even you and I. We are all retarded AND mentally ill. Im dead serious. Why do you think so many people believe in literal adult fairy tales.
>>62153955weakest malistocrat
The prime joke with fire is that doing nothing is depressing and isolating. Of course better than a shit job but if you're even mildly intelligent there would probably be some way for you to find an occupation you genuinely enjoy. I also dream of fire sometimes but then I find luckily I got a great education and now can work a job that is both interesting and respected, and gives insights into the human condition. Probably a lot of the desire to be enormously rich is fear of uncertainty and the notion that money can protect you and give you an easy way to avoid what you don't like.
>>62153832Exploring the world is literally whitecoded. You must be some brown faggot a shitty passport. You wouldn't get it.
>>62153898If all they do is exist you can pay for that on like 30k a year which is like 750k which is probably why he said there's another seven years before he retires
>>62155477Badabum is assuming what they'd normally do is work exactly as hard but for longer and spend the money difference on I dunno, jetskis or something
>>62155651Most people's kids have moved out before they turn 50, so how would the kids keep them together in their 40s?
I'm retireing early but calling it FIRE is reddit as fuck...like you spend 18 hours a day dildo fucking yourself with a reciprocating saw if you say "I'm FIREING..or even worse BARISTAFIRING OR LEANFIRING." Sorry, you're not gonna be able to afford your AIDS meds.
You're all retarded, I'm putting all my money into mole rat research so that I can live longer.
>>62155651>>62155653>>62155671>>62155696The individual cutoff for "high individual income" is about 58k. Two people living together making over 58k are in the top quintile of American household incomes.
>>62153570https://en.wikipedia.org/wiki/FIRE_movement
>>62155785If you had only seen a little further, you'd know that the old system had completely collapsed in the 40s and 50s, and the women came out with sexual liberation to try and abandon a sinking ship.
>>62155449breeders & eaters, God bless 'em somebody has to keep things moving
