In Europe I have to pay 20% of my income each month into a government mandated pension fond. Except that this is not really a fond, the state just PROMISES that I will receive a pension in 40 to 50 decades. We all know this will not happen, therefore this money will forever be gone.Neither do I plan on actually staying here. I will complete my master's and then go to Switzerland or the US. There is no way for me to get paid out, not even if I revoked my citizenship.In the US I could choose to invest $1000 each month into the S&P 500, after 40 years you will have several million, the money is actually yours and you can withdraw it in case of an emergency.
this is americanisation you mouthbreather. freedom for me but not for thee.
>>221739201niggas not even 30 years old talmbout retirement. just fuck nigga smdh
>>221739384It is something I am confronted with each month, as 20% of my income is spent on it.Personally I am an advocate of lifelong productivity.Exercise, eat healthy, don't drink or smoke and you have a good chance of avoiding the diseases that make boomers unable to work in later life.The clogged arteries that cause heart disease and Alzheimer's in boomers are pretty preventable.They just chose unhealthy lifestyles and it's not my problem desu.
>>221739314What does that have to do with freedom?Are you alluding to the idea that poor people won't be able to invest into the S&P500? It is a reliable way to actually get wealthy from very little.You just have to constantly invest, you need a steady income stream, but any low to minimum wage job could do the trick if you are willing to cut corners.That is not buying new cars for $1000 which is what many poor people do, which leads them to becoming even poorer.And what are you complaining about in Germany? Education is nearly free and 20% already goes towards a mandatory pension 'fond'. Just let people do whatever they want with it. It's not even like these pensions are good, actually they are notoriously inadequate.
>>221739955>Invest in dca 500 dollars per month and in 40 years you will be millionnaire !
>>221739201>a pension in 40 to 50 decades. We all know this will not happenWell of course nobody live 400 to 500 years.
>>221740012The S&P 500 has average returns of 12%.
>>221739955wealth is not measured in currency. wealth is measured by how far away the closest brown person is
>>2217400834 to 5 decades, 40 to 50 years.Wanted to use years before then chose decades but didn't change the numbers, my bad.
>>221740093Ive never heard 12%
>>221740106In the US you could move to Wyoming or Montana which are 99.99% White.In Germany?
>>221739201>the state just PROMISES that I will receive a pension in 40 to 50 decades. We all know this will not happen, therefore this money will forever be gone.do german pension funds refuse to pay out? that sounds like a problem
krautfags who talk about emigrating to the US or CH must be some of the most annoying faggots everyes the pension system is retarded but god shut the fuck up
>>221740183And they really think Switzerland or the US will bring them in. Lmfao
>>221740174Apparently if you do renounce your citizenship and emigrate it is possible to get half of the contributions back but there won't be any interest.Half of the contribution is paid by you, the other half is paid by your employer. The latter just vanishes, but obviously this must as well be part of your gross.This is at least what AI told me. Head different stuff before.>>221740326It is still really easy to get into Switzerland as a EU citizen. It is the destination Nr 1 for Germans leaving this shithole.300k (three hundred thousand) Germans each year are leaving btw, mostly highly educated.The US is much harder to get into. Switzerland would be preferable (basically no blacks, little browns [only some albanians]) but I am guessing it will collapse once Germany does, so I am eyeing the US.If you can't see the writing on the wall I don't know what to tell you. Europe is done for.
>>221740174>>221740514Another AI tells me that it is not possible once you paid for more then 5 years into the system.So who knows? All I can tell you is that I regard it as a scam.
>>221739201Social security is still mandatory in the US, you get taxed for that as well
>>221739384If you aren't planning for retirement in your 30s you'll be destitute in your 70s.
>>221739955>You just have to constantly invest, you need a steady income stream, but any low to minimum wage job could do the trick if you are willing to cut corners.Is it really worth it to live in extreme poverty for decades just so you can be wealthy when you're too old to enjoy it and likely at very bad health due to living in extreme poverty your entire life?
>>221740639It is not a good idea to work a minimum wage job period.But it would be possible,You SHOULD invest into your own education.In Germany there is no excuse, university is under 1000 EUR a year.In the US it is much more expensive, but state run universities are much cheaper than Harvard etc.PennState is very well regarded too and the costs are about 40k USD for a degree if you are a resident of the state.In the UK you will pay a similar amount for a degree, with much lower wages.
>>221739201Shut the fuck up racist prick, New Europeans have to get an income somehow
>>221739201I don't get the point of picrel. being a disgusting multicultural mutt country is one part of Americanization.They are further than us in being a brown country lmao
>>221740745>>221740748Even if Europe was 100% white and we were 0% wouldn't change the fact that you guys are obsessed faggots
>>221740707>In the US it is much more expensiveOnline college is very affordable in the US. It's only expensive if you live in the dorm and eat at the cafeteria.
>>221740748>They are further than us in being a brown country lmaoAs >>221740170 said, in America we still have white enclaves where there is law and order. In Europe almost nowhere is safe.
>>221739201This
>>221740787See, they cant talk without sounding like they come from the bronx or something.100% brown coded country
>>221740841> White enclave > look inside> countrysideYeah, we got those too
>>221740841Brudda eastern Europe is 99% white, I could move to the polish countryside and never see a brown person again
>>221740787How can't we be when you have literally installed your Democratic party copycats inside our europoor institutions lol
>>221740912Most of current Poland was once Germany but got genocided by the USSR.What makes you think that they would want you there? What makes you think you would be safe their?And slavs aren't White.I would move rather prefer to live with my own.
This reminds me that I haven't ordered my Eu-flag-colored Stahlhelm yet.
>>221739201why do russian migrants love this art style so much?
>>221740856>>221740928ObsessedAlso nobody is forcing Europeans to all be effete homosexuals, you guys do that yourselvesOur homosexuals are big and burly or evil twinks
>>221739201you can imvest im the s and p 500 here too...i do it monthly using DB bank to manage it for me
>>221739763topkek
>>221739201The one good thing about living in the US is access to the US stock market. I am a corporate monkey but chose to not have a retirement fund and instead invest the money myself in stocks and crypto. Last year alone I had 60% growth.
>>221739201>We all know this will not happen, therefore this money will forever be goneIn what way? Even if they abolish pensions one day they wouldn't just abolish it for people who have been paying money into the fund for all these years. That would cause riots. Instead the new rules would apply for people who are yet to be old enough to enter the workforce
>>221739201Trvke
There is no use in pandering to certain type of richfag if they always have one foot out the door, willing to run away
>>221739201>>221740987just move to the US instead of crying like some faggot on some imageboard?!>>221740170>>221740841Wyoming is 79% whiteMontana is 86% white>>221740183trvke
>>221739201لك والله أقدر اشم هاي الصورة. الحمدلله اخواننا ارجعوا الإستعمار للغرب الصليبي وصارت ارضهم
>>221740987>Most of current Poland was once Germanyand most of current germany was franceretard
>>221745174All of current France was Rome
>>22174070740k invested at age 18 is more than a million at 70 as well you dumb fucking faggot
>>221739201>$1,000 each monthhow do you plan to save that much? that's an insane amount to have leftover after monthly expenses.
>>2217455825800 net700 for rent 150 insurances150 utilities 300 good4500 in stocksTwo bonuses, tax returns and insurance kickbacks 100% invested as well
>>221745663>700 for rent
>>221745663>700 for rentoh, you're delusional.
>>221745582I will be a lawyer that owns a large home in the suburbs with two SUVs and four children and a stay at home wife and also save 10k a month because that's the norm in the USA, watching Home Alone taught me that
>>221745735only way to convince a 21st century American woman to stay home and not get her own money is by making around 2-3 million dollars a year.
American wagies pay for old peoples' pensions too, but it's 15% of income..
Americans can effortlessly become millionaires
>>221741775Interesting, please tell me more.Aren't you paying more taxes than Americans on your returns?
>>221749243noretirement funds are not taxed unless you withdraw way too fast before you shouldspeak to your bank advisor theyll tell you more and be excited
>>221749243>>221749328 (me) we put 400 a month (200 for me and 200 for my wife) and when were 60 we can retire and withdraw 600k-800k each tax freethats us paying the lowest possible amount too
>>221745718Not him but in Germany 700 EUR for rent is pretty normal.5800 net is a good wage for Germany but in the US I would expect a lot more for skillful labor (engineer role or whatver).We are also talking about monthly expenses, not biweekly or anything.
>>221739201I'm in NY so I'm taxed out of my asshole so they can steal it and give it to foreigners, wish I could leave but my job and all my family is here.
>>221745707>>221745718normal here for single person
>still trying to convince people muttmerica is a desirable place to live inmutts under a vpn aren't sending their best
>>221749495I don't want you here tho, we have enough fart sniffing libtards already.
>>221749427New Hampshire is right around the corner and it has one of the lowest tax burdens in the US.>give it to foreignersHow so? You don't have the HartzIV/Bürgergeld schemes Germany does, where unemployed people receive huge benefits that make working a minimum wage job basically pointless. We also subsidize births, which the US doesn't do right?Both of these options are mostly benefitting arabs and africans.While yout tax burden is pretty high too it is not nearly as insane as in Germany.Your wages in general are also MUCH higher. 80k a year before tax is considered a good wage here.
>>221749761unemployment here is only if you contributed to it and it stops after a certain point, you contribute by working and the money you pay is determines how much you getyou're thinking of Asylbewerberleistungsgesetz (yes that is really a word)
>>221739201You should go back to Russia, it's probably better
>>221749495If you can't see the writing on the wall I can't help you mate.You can lead a horse to water but you can't make it drink.Europe is a dead continent that is falling more and more behind.For instance where are Europe's datacenters? Nowhere to be seen.It is completelty losing the tech race.While the US and China are heading towards the second space race Europe is de-industrializing because of muh climate change.
>>221739201people here are trending towards euro socialist policies. they're completely moronic "uhh the rich will pay for it." no you dumb faggots, it is YOU who will be taxed
>>221750022you're so right europe should catch up to the insane spending america and china are doing on AI and double the national debti'm not even fucking european nor a fucking citizen you're fucking retardedi can think of 2 countries doing better than germany currently and they're poland and switzerland the entire world is a fuck and if not for european stability made real by the systems you fucking hate so much people would be killing each other for breadfucking godbritish people sat in air shelters for years hiding from bombs and the modern european can't handle a fucking recession without sperging out?
>>221750118Poland is doing better? The country that gets the most EU gibs out of any country? Gee, wonder where you are from and why you are cleaning toilets here.Your country is being propped up to be sacrificed in a potential conflict with Russia, Smitowitz.
>>221750118>i can think of 2 countries doing better than germany currently>if not for european stability made real by the systems you fucking hate so much people would be killing each other for breadthis is your idea of doing well? society being held up by a house of cards?
>>221750050Correct, the US really is at the crossroads right now.Western civilization is built on personal independence, individualism and to a certain degree a darwinistic outlook on life ('might makes right').Europe has basically forsaken all of this.In the sense of this thread: "The state will care for you in old age, don't worry about it!"Or I mean look at how we treat our criminals. Cells that are basically cozy apartments contrary to the US where many states still have the death penality (which IS based). Many crimes are not taken as seriously as they should been (other than tax realted ones).Or our armed forces. Europe could not defend itself against Russia. It relies on American soldiers. While Germany should welcome the fact that the occupier finally leaves they are crying because it is making them vulnurable. Nobody would die defending Germany, it inspires simply no such feelings. Very different in the US obviously, which tells you something.Obama and Biden are the personification of EUnization in the US, Trump is the very welcome counter to that, but you need someone much more radical.
Hey Germany, remember that it was YOU who brought them into your country. Refugees Welcome.Probably in a few decades you'll set the world on fire again because you messed something up.
>>221750649Not my problem. I'll be living overseas by them.Pretty kino to imagine the Jihad that the Socialist Union of European Caliphates launches against the Catholic Empire of Poland after it launched an unsuccessful Cursade to take back Vatican City.VGH
>>221750911As usual, the average Hans and Helga (not Ahmed) will choose another painter as chancellor. The neighbors will suffer again. I hope Poland wises up and builds nuclear bombs, losing that wealthy Frankfurt would be painful for the Reich.
>>221750234i'm not polish i'm fucking brown>>221750261compared to the rest of the world it's doing amazing here yeahthe world is going through a shit show
>>221750526>Or I mean look at how we treat our criminals. Cells that are basically cozy apartments contrary to the US where many states still have the death penality (which IS based). Many crimes are not taken as seriously as they should been (other than tax realted ones).we have like 6x the crime rate here
>>221740745lil darkie is eyin up that old white bitch
>>221751150How would you build nukes? How would you build the rockets to deliver them?You unironically don't have the tech. You never even had a functional NPP until now, the ones you are building at the moment come from the USA.Despite that if you succeeded in building them that would violate the Non-Proliferation Treaty, which would lead to most countries on earth sanctioning you.Despite that if Germany actually elected a funny mustache man it would end up with the best army and tech in a matter of years. You would be stumped in a few weeks and then the world would gang up on Germany which then gets destroyed after a few years because it runs out of resources. That's how the story goes every time.
>>221751205You also have many more people and the German government simply doesn't count most crimes because that would be racist oder etwas
>>221751692nothey have a for profit prison system so they make sure inmates reoffend
>>221751653Let wise people come to their senses and build them the way Iran has, and develop weapons like North Korea. Sanctions are nothing compared to an invasion by such barbarians and sadists as the Germans. I am only saying what a wise Poland should do and where to aim. Germany and Russia are a foolish neighbors, and Poles should come to their senses and arm themselves. In the coming decades, we must cooperate with the USA, only they will allow us the proliferation of ultimate weapons.
>>221750526unfortunately the solution to print more money has awful effects on inflation that go unseen immediately, and the cause-effect is obscured. by the time people realize their groceries are unaffordable, they don't remember all the bullshit economic policies that contributed to it. instead it's "corporate greed" that caused it
>>221751906yeah you tell em schizo bros billions must nuke
>>221750526also to add: no, trump is not making the problem any better. economically he resembles bernie sanders far more than he does reagan/any fiscal conservative
>>221751906Are you trolling? Iran was recently bombed to shreds for (allegedly) ATTEMPTING to enrich uranium, there is no proof of them even having been successful.You were the poorest country in the eastern bloc (which was in great part so poor because of sanctions) but somehow you think that you could stomach another round of sanctions that will be even more extreme?The USA will not let you build nukes. They don't see you as an equal, they see you as a pawn.
>>221752170Only in self-defense. It’s the only way to defend ourselves against the Germans if they start acting up again.
>>221752218Because Germany attacked Poland many times. They devastated it, took people to the forests and killed them. They murdered many educated and intellectual individuals. Read about your operation 'Intelligenzaktion'.Today they will not allow us to build, we must develop and in the future acquire weapons that will deter Germany if, in their madness, they once again choose someone like that painter.Hitler was elected democratically, the Germans wanted war, they wanted to kill, they wanted living space. What crazy idea will this nation come up with in the future? We must defend ourselves, we must develop.
>>221752429The funny thing is that Germany actually gave you statehood during WW1 lol, a grave mistake.Last time I checked those massacres like at Katyn were carried out by the soviets who then pinned at Germany but whatever. Not like I care.Hey, you have all the right to be anti-German, any sane German is anti-Polish too after all.Just be aware that nukes are pretty old tech at this point.Anti Ballistic Missile systems exist.Any Germany that rearms will built them.
>>221752852I’m not anti-German. I realize it is a talented nation and has many achievements, and that people there are diverse. However, I know what they did in Poland in the past, not limited only to the 20th century, and that continued for many generations. That is why I remain skeptical, especially since I see that Germans are now starting to complain, for example about immigrants and who allowed them in if not Angela Merkel? Germans have always tended to look for someone else to blame.
>>221739201America sucks, but our pension system is better. You get basic pensions from a 7.65% tax (on up to 100k in income), but then we have IRA and 401Ks which allow to contribute tax free income into them to invest for your retirement, and as you said it'll mean you'll have 10x the money come retirement than from a pension. It completely taxes off the burden of needing a growing population to endlessly pay in taxes to fund government pensions.
>>221740639You'll have more money now since you won't be paying as much into pension taxes, and you'll have more money when you retire, because putting in just a couple grand a year with 8-12% returns per year for 40-45 years means you'll have millions when you retire and to pass onto your children.
>>221739201Kek why do Germoids pay so much tax
>>221745828The employee pays 7.65%. If you're self-employed you pay 15.3%, but half of that is tax-deductible, so it lowers your other income taxes by a lot.
>>221741720Euro homos are all in the afd and front National, Le Penn(father) complained about "heterophobia" inside the party.
>>221751205>>221751692BTW I just looked it up and the violent crime rate adjusted for population size is very similar.
>>221753266You tell me. We have very high taxes you pretty low wages as well.A cleaning lady in Switzerland makes more than most engineers in Germany.
>>221749947Why is it that if you criticize Europe you are a Russian shill?Russia is a completely incompetent shithole.Now what?Doesn't change the fact that many things are going completely wrong in Europe.Only honest, constructive criticisim can lead to actual improvement but in Europe that kind of stuff is being outright censored these days.
>>221739201what is he complaining about? contact an investment agent, you can buy stocks too.
man has been going about it for the past 10 hours or so
>>221756059 i havent even read this thread yet and i already feel like this poor man needs a hot meal a hug
>>221756059>>221756091I skimmed over it and in the last 3/4 or so a PolACK chimped in and then it was about nuclear war with Germany o algoclassic /int/ autism
>>221739201buddy that's not how social security worksfdr created the same scam in america as was created in germany it's the same pay as you go system
>>221756015there's never gonna be reformbut on the bright side there's a whole other continent with plenty of opportunitiespanama paraguay brazil all are beeming with opportunities if youre willing to put in a bit of work
>workingStart gibsmaxxingBe a complete immovable burden for society
>>221750526>defend itself against Russia. It relies on American soldiers. While Germany should welcome the fact that the occupier finally leaves they are crying because it is making themStop making up this strawman garbage Everyone is univocally happy about it, even leftists
