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Retirement - Who here is saving up? * 1
    #26116055 -

This is intentionally Pub mix instead of Money matters.

Everyone here, assuming you are 18 and older - unless you plan to live of the fat of the land in some hippy commune, you should be thinking about retirement. Not when you're 25, 35, 45, not next year. You should be starting right now. How are you saving for your future retirement?

GO:


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notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... "

ChrisWho said: "It's all about the journey, not the destination."

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Re: Retirement - Who here is saving up? [Re: Mickalopagus]
    #26116072 -

Ill start -

1. Am funding a yearly Roth IRA to its max contribution, $6000 each year
2. Slowly acquiring bullion, mainly Silver, some Gold, some Palladium/Platnum
3. Purchasing crypto assets, with a main focus on Bitcoin and ETH
4. Contributing to a 401k with matching - will be maxing this out at $19,000/year by next year.
5. Buying collectibles (mainly magic cards).
6. Funding a 529 education account monthy for our daughter

By next year my wife will hopefully be max contributing to her own ROTH IRA. If we can do the above consistently for the next 20 years, without any major market crashes, and maintain good health, we will be in pretty good shape.

Cool thing is that all these savings doesn't decrease our current quality of life. We still do pretty much everything we would want to do if we were just throwing all our extra money into a checking account. The difference is when it is in your checking you spend it on nonsense, and when it is in an otherwise untouchable retirement vehicle, you dont think about it. 20 years goes by pretty fast you pubbers. A lot of us will still be typing here on the shroomery about bullshit - the only difference is some of us will be retired, and other people will be like fuck, I need to start putting shit away.

Start now!!


--------------------
notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... "

ChrisWho said: "It's all about the journey, not the destination."

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Re: Retirement - Who here is saving up? [Re: Mickalopagus]
    #26116075 -

Like most Americans, learning to live on a responsible budget.  As well as inheritance and investing in the family farm...that will be sold at some point.

I guess it depends on how long the family drags out their deaths.  Grandma and Grandpa don't have much and have been living for almost  88 years now.

My mom and step Dad have a good bit more.  Mom is terrible with money and is living more responsibly now that she doesn't make over 6 figures a year.  Both have had serious health issues (mom mostly, cancer 2x).  Step Dad has pretty good health right now.

Then again I might have a heart attack at 42.


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"in sterquiliniis invenitur in stercore invenitur"

In filth it will be found in dung it will be found

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Re: Retirement - Who here is saving up? [Re: Morel Guy]
    #26116079 -

401k, roth ira, stocks w/ dividends and my yearly salary.


saving isn't easy sometimes but im tryin


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Shroomery Law:  Don't piss off the leftist mods & their friends! :banhamster:

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Re: Retirement - Who here is saving up? [Re: Mickalopagus] * 1
    #26116098 -

mick said:
This is intentionally Pub mix instead of Money matters.

Everyone here, assuming you are 18 and older - unless you plan to live of the fat of the land in some hippy commune, you should be thinking about retirement. Not when you're 25, 35, 45, not next year. You should be starting right now. How are you saving for your future retirement?

GO:


I live paycheck to paycheck I don't use drugs and I stopped drinking two years ago. I will never be able to buy a house start a family or even go on a vacation. If there was ever a emergency like a medical or car one I would lose my job and likely become homeless. There will be no retirement for me I will work until I am no longer able to.


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https://youtu.be/cTsEzmFamZ8

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Re: Retirement - Who here is saving up? [Re: Herbologist]
    #26116106 -

I am starting a 401k this month finally! Even tho I am late in the game at least I'm starting to think about retirement and whats gonna happen later in life. The shitty thing is with my income at the moment I'll prolly be working for most my life I guess that's what happens when you screw up your 20s on opiates I'm just thankful to be thinking about my future in my 30s at least and I'm also gonna be looking into getting into school for welding so hopefully if I do that I'll have more of a chance at retirement at some point.


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'It's not a war on drugs its a war on personal freedom'
>**My Trip Journal**<

Edited by AVShroomer (07/18/19 03:46 PM)

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Re: Retirement - Who here is saving up? [Re: Mickalopagus]
    #26116109 -

No way Im ever saving enough for retirement. I'd rather live simply, not work a ton, travel and enjoy this crazy world while Im young and able. Probably will make my aging years tough, but nothing is guaranteed. Have had too many injuries and close calls to take things for granted.

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Re: Retirement - Who here is saving up? [Re: YangSupporter] * 3
    #26116123 -

I have no extra money to invest or set aside. Pension plans are dead and the financiers are raping the 401k funds (unbeknownst to most people saving for retirement)

I don’t plan on retiring anyway. I’ll be dead long before the time ever comes

I’m going to enjoy myself along the way, rather than waste my life doing shit I hate for people and companies that I hate in the hopes that I’ll be able to retire once I’m old, used up, and my health begins failing me.

Hell, I might live to see the end of our society and civilization as we know it. I’m not sure there’s anything left to bank on, the cracks are beginning to show

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Re: Retirement - Who here is saving up? [Re: feevers] * 1
    #26116130 -

I put away a tiny amount monthly into a Roth ira and have owned personal real estate that this far I have been able to flip with decent appreciation. 

I would prefer to be better prepared but it is what it is.  In my experience life doesn't generally follow your plans anyways. 

Good friend of mine died like a year after retirement,  had everything lined up but I would guarentee that he would have done things completely different if he had known.  Life is like that. 

Just going to continue to try and balance life and responsibilities and enjoy it.  If anything really catastrophic happened I would be pretty shit out of luck,  that's how our society rolls,  no safety nets and people fall through the cracks all the time.


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Re: Retirement - Who here is saving up? [Re: YangSupporter] * 1
    #26116150 -

Not really planning for retirement. My house is worth almost $700,000 so hopefully I can sell that and my electrical contracting business then move somewhere cheap to die off. I make like $100 to $300,000 a year so I could just bust ass for a few years if I really had too and most of that money now either goes into my house or business. I could do a Walter White/Heisenberg thing too and really go out with a bang! My wife makes a lot of money to and she has a secure job so I don't think we will be struggling.

I'm the kind of guy that will know when it's getting close and I will go to the black muddy river or walk into the forest and die naturally. The animals will steal my carbon and I will live through them and the trees. I would like to live old and be healthy, but I have a feeling that isn't in the cards I've been dealt and I'm ok with that. Hopefully I will have something to leave behind for my son and wife by that time.


YangSupporter said:
mick said:
This is intentionally Pub mix instead of Money matters.

Everyone here, assuming you are 18 and older - unless you plan to live of the fat of the land in some hippy commune, you should be thinking about retirement. Not when you're 25, 35, 45, not next year. You should be starting right now. How are you saving for your future retirement?

GO:


I live paycheck to paycheck I don't use drugs and I stopped drinking two years ago. I will never be able to buy a house start a family or even go on a vacation. If there was ever a emergency like a medical or car one I would lose my job and likely become homeless. There will be no retirement for me I will work until I am no longer able to.



I used to be in the same boat, along with a lot of my friends. If you seen us in our party days you wouldn't think we would have made it to 27. but now we are mostly settled down and have houses and kids. Why are you living paycheck to paycheck? Why not work a few jobs for a while to get some "Fuck You" money and then move to a better job? It also sounds like you are working a dead end job. Never take a dead end job unless it is literally the only option, and if it is then you should move.

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Re: Retirement - Who here is saving up? [Re: Mickalopagus] * 1
    #26116171 -

i had an ira, but i cashed it in a month ago (not much in it) to feel comfortable taking the summer off, in case i can't find side-work.  also have upcoming truck expenses, looming any day now.

i won't make it to retirement age.  i'll work until my body gives up or until the pain becomes too much, then i'll end things :shrug:


i like living my life on my own terms.  i'm taking care of family and watching how miserable they are in old/older age, despite being comparatively healthy.  i work a fairly dangerous job and could die any day out there.  i'm not having kids, so no financial responsibilities there.  i've watched my mom work her ass off and get nowhere in life.  my brother and his wife are working their asses off and getting no real place in life, as far as financial comfort.  it's a fucking scam.  live now, live for today.  it's better to burn out than to fade away.


i have reassurances that i'll have a place to stay, in the event i was ever to end up near homelessness, which is my biggest fear.

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Re: Retirement - Who here is saving up? [Re: Lophosaurus] * 1
    #26116178 -

Lophosaurus said:
The animals will steal my carbon and I will live through them and the trees.



Someday you will die and somehow something's gonna steal your carbon
Someday you will die and somehow something's gonna steal your carbon, hey-hey-hey
Well, someday you will die somehow and something's gonna steal your carbon
(Someday you will die somehow and something's gonna steal your carbon)
Someday you will die and someone's or something will steal your carbon
(Someday you will die somehow and something's gonna steal your)
Someday something will die and somehow you'll figure out how often
You will die somehow and something's gonna steal your carbon
Something will die and you will prob'ly just steal its carbon
Someday you will die somehow and something's gonna steal your carbon, hey-hey-hey
Someday, somehow, or something will die and you will steal its carbon
Somehow you will die and you will figure out how often you will die somehow
And something's gonna steal your carbon
Someday you will die somehow and someone's gonna steal your carbon, hey
Someday you will die, and somehow you will figure out how often
Someday you will die somehow and something's gonna steal your carbon
You will die and somehow it's gonna steal your
Always have figure out and find out we were bathed in carbon
You will figure out that somehow you will
Well, someday you will die somehow and someone's gonna steal your carbon (steal your carbon)


:rockon:

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Re: Retirement - Who here is saving up? [Re: Lophosaurus]
    #26116215 -

Lophosaurus said:
I'm the kind of guy that will know when it's getting close and I will go to the black muddy river or walk into the forest and die naturally


I used to think I was that guy until I became afflicted with a health problem that would’ve ended me. Then that instinct for self-preservation kicked in, and I was like, “Fuck the forest. I’m taking myself to the hospital.”

I guess if by some chance I do make it to a ripe old age, I’ll be that crazy old motherfucker robbing banks and doing heists and shit. The guy that they finally catch and send to prison who says, “I was broke and needed healthcare, so fuck you and the rest of society.”

The rule of law applies only for as long as there’s food on your table

Edited by LaughNowCryLater (07/18/19 04:44 PM)

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Re: Retirement - Who here is saving up? [Re: LaughNowCryLater]
    #26116242 -

My main concern are the extra expenses.  I have a dog who'll be 8 sept 30th.  So I try to put at least 200 or more away each month in accounts that slowly increase in value.

Only have so much there.  I don't own a car, so that's a big expense gone right there.  Yet an aging dog is at least a grand a year.  There's gonna be some bigger doggie expenses as he ages.  I brush his teeth twice a month and so far the vet hasn't want to clean them.

I groom him myself too, so that saves a bit over $100 a month.  I know, that's outrageous.


--------------------
"in sterquiliniis invenitur in stercore invenitur"

In filth it will be found in dung it will be found

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Re: Retirement - Who here is saving up? [Re: Mickalopagus]
    #26116322 -

I won't ever do a full retirement from work. I will always have a physically productive source of income, that will be my retirement when the source is refined to my lifestyle. That's ive been working on now, I plan to be "retired" from "work and life expense" dependent slavery in a few years


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Trees is dead, this is his mum posting



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Re: Retirement - Who here is saving up? [Re: trees]
    #26116384 -

I had a boss for a few weeks once.  Not sure where his money came from.  He owned a plane and two factories.  He had the nerve to tell his employees that social security is welfare.  Well, jobs like that don't have benefits.  The backbone of America benefits from social security.  What most employers don't offer.

Not everyone lands a great job with benefits.


--------------------
"in sterquiliniis invenitur in stercore invenitur"

In filth it will be found in dung it will be found

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Re: Retirement - Who here is saving up? [Re: Morel Guy]
    #26116436 -

I will inherit quite some money from my parents but my father in law recently sold his part of a substantial gas & oil company and is now what would by many be considered to be filthy rich.

Apart from that Im paying into my own pension plan and making sure I will have no debts when I retire. Chances are that I will not be working past my 50th birthday though


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Ach en wee ben ik de klos, met mijn boog schoot ik een albatros...

A philosopher is a person who knows less and less about more and more, until he knows nothing about everything.


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Re: Retirement - Who here is saving up? [Re: Mickalopagus]
    #26116471 -

mick said:
This is intentionally Pub mix instead of Money matters.

Everyone here, assuming you are 18 and older - unless you plan to live of the fat of the land in some hippy commune, you should be thinking about retirement. Not when you're 25, 35, 45, not next year. You should be starting right now. How are you saving for your future retirement?

GO:



Threads of this sort empower Shroomerites with knowledge to make the right decisions that put them ahead in life.

It strengthens Shroomerites as a group.

Thank you for bringing the topic to the table!


--------------------
Omnicyclion.org
personal empowerment for the world

Onehomemission.org
truly make a difference

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Re: Retirement - Who here is saving up? [Re: Asante]
    #26116524 -

I am on disability im not allowed to save more then like 1000 dollars, there is one way, you can apply for a disability tax break, and if you get that, you are elligable for a to apply for a RDSP(regestered disability savings plan) and if you get a RDSP you can save money and the government will match it X3 when you retire


but I applied for a disability tax break and got denied, they thought I wasnt disabled enough, I didnt even want the tax break though, Its dumb you have to be on this tax break to apply for a RDSP, every needs retirement money

Ill probably try and get a job and just say fuck it about the disability money, I unfortently have good genes, all my grandparents lived till like 90, im gonna need retirement money, how will I afford a home when im too old to take care of myself

the only problem is every time I get a job I get super paranoid about my co-workers plotting against me or even when not bbeing paranoid, they tell me things I dont want to hear, one guy kept telling me about all the drugs he was doing and selling, and these stories of a violent friend of his

either that or maybe ill play the lottery, imgaine winning 50 million?, is start a church of fasting


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For most of the normies out there, an operating system is just a bootloader for Google Chrome.

And I don't know what the mantis is praying for
But he's probably just thanking the Lord
That he don't live in a home
And he don't got a phone
And he don't sit around all angry and bored
(He's just a bug)

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Re: Retirement - Who here is saving up? [Re: gopher]
    #26116559 -

gopher said:
I am on disability im not allowed to save more then like 1000 dollars, there is one way, you can apply for a disability tax break, and if you get that, you are elligable for a to apply for a RDSP(regestered disability savings plan) and if you get a RDSP you can save money and the government will match it X3 when you retire


but I applied for a disability tax break and got denied, they thought I wasnt disabled enough, I didnt even want the tax break though, Its dumb you have to be on this tax break to apply for a RDSP, every needs retirement money

Ill probably try and get a job and just say fuck it about the disability money, I unfortently have good genes, all my grandparents lived till like 90, im gonna need retirement money, how will I afford a home when im too old to take care of myself

the only problem is every time I get a job I get super paranoid about my co-workers plotting against me or even when not bbeing paranoid, they tell me things I dont want to hear, one guy kept telling me about all the drugs he was doing and selling, and these stories of a violent friend of his

either that or maybe ill play the lottery, imgaine winning 50 million?, is start a church of fasting



:gold: :silver:


--------------------
Omnicyclion.org
personal empowerment for the world

Onehomemission.org
truly make a difference

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