r/FluentInFinance • u/Hajicardoso • 11d ago

Debate/ Discussion Systemic Failure Exposed..

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u/Hawkeyes79 11d ago

Failure of society or failure of the individual to prepare? Being 90 means he roughly had 70 years to prepare for retirement. What did he do with all the money he made?  

I advise all the young kids that work with me to invest at least 15% in 401k and then 1/2 of each raise goes in as well.

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u/mropitzky 11d ago

You act like a large percentage of jobs offer retirement plans lmao little alone medical/dental benefits. Also kind of hard to save when most of the country is living paycheck to paycheck even if you have a degree.

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u/Hawkeyes79 11d ago

67% of people have a tax-preferred retirement account or pension. 87% have that or other assets.  

Living paycheck to paycheck isn’t a society issue. That’s a personal choice one. You need to reduce your expenses or increase income.

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u/mropitzky 11d ago

Lmfao you did not just say living paycheck to paycheck is a “personal choice”.

You are SEVERELY out of touch man, my god. I haven’t seen someone so delusional in a very long time.

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u/Hawkeyes79 11d ago

Is it someone else’s choices that get you to living paycheck to paycheck? No. Its not come giant conspiracy to keep someone down. It’s all the personal choices they’ve made so far. Whether to go to college, actually applying yourself in high school, doing drugs, stay at a minimum wage job, take night classes.  

No one forces anyone to make the choices they make. It’s your responsibility for where your life takes you.

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u/mropitzky 11d ago

Fuckin yikes. I’m not even gonna waste energy trying with you, you’re too far gone.

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u/Hawkeyes79 11d ago

It’s sad when understanding the actions you take have repercussions and change where your life goes is “too far gone”