Saving for retirement is stupid: Enjoy life to the fullest while you're young

[Kawhitstorm]

Save money but use it for vacation not for future medical expenses. You won't be able to enjoy life past retirement age as much as you could in you 20s, 30s, 40s b/c your body won't cooperate or you could be dead/incapacitated from cancer, heart attack, stroke, car accident...etc.

I don't care whatsoever about passing on my genes so I'm going to spend all my income on Me, Myself & I. If you don't have to look forward to grandkids, what is the point of living a long boring life anyways? Just find a low-stress career that pays a decent middle income wage, scout for a traveling companion who isn't interested in having kids then explore the world while sipping pina colada & laughing at degenerates living a scripted life.

**Disclaimer: I'm an atheist thus I don't believe in afterlife so earth is heaven/hell to me but I choose to treat it like heaven.**

[Avante]

Of all the stupid things I've read on this forum this is the stupidest.

Dude, you will spend 20 years retired. Maybe more. No way in hell you want $$$$$$$ to be a factor. You have fought all your wars, you have saved all the damsels in distress, now ya wanna take it easy....chill. Live the good life nice and mellow, that takes $$$$$$$.

And, once you grow up you'll realize it's not all about me me me I I I, but it's real obvious you don't get that right now being a dumb kid.

[InRareForm]

as long as I can still get an erection, I don't wanna work. I want to have sex with wife/girlfriend, play golf, hang out in casino all day, travel, etc... And therefore I will enjoy saving for retirement.

[Mitch]

Because people want to retire and enjoy the final chapter of their life at their own pace.

[DJR210]

Possibly 75 years old and having to work? Not a possibility I'd wanna get stuck with

[Kawhitstorm]

Possibly 75 years old and having to work? Not a possibility I'd wanna get stuck with

Nah, if you are living life to the fullest then you will probably die before 75. I'm going to be doing a lot of risky shyt b/c I value fun experiences over life.

[Avante]

You must own your home that is a MUST!!!!!!!! If you are a renter at 65 you are one gigantic failure. You do not want to be living around renters, that is a fucked existence. You want to be surrounded by home owners who take pride in their homes.

Unless you are a queer or some dumb fuck you will want a famliy and grandkids, trust me at 60 you won't be PARTY OVER HERE PARTY OVER THERE , ok? Believe it or not amigo there will come a time it really is more about watching the kids open thier gifts on XMAS than what me me me I I I got.

As a young stud it's all about getting that dick wet and a buzz and that is fun but it doesn't last forever and you better realize that early on. Only idiots ignore their future.

There will be tires to buy, home improvements to make, you'll need plummers, you'll need your vehicles worked on, you'll need things slick, it takes $$$$$$$$$....ok slugger? That 56 HD TV costs $$$$, that new SUPER DUPER cell phone costs $$$$$$$$. That trip to where ever costs $$$$$$. I own some land, yep it cost $$$$$$$$$.

Start saving all ya can right now, there will come a time you'll..."thank God!"...trust me. Oh yeah.....BUY THAT HOME!!!!!!!!!

That famous Chinese I CHING book, starts off telling you what? What is the most important thing a man can be.......THE KING OF HIS CASTLE....a man must own his castle.

[Kawhitstorm]

Of all the stupid things I've read on this forum this is the stupidest.

Dude, you will spend 20 years retired. Maybe more. No way in hell you want $$$$$$$ to be a factor. You have fought all your wars, you have saved all the damsels in distress, now ya wanna take it easy....chill. Live the good life nice and mellow, that takes $$$$$$$.

And, once you grow up you'll realize it's not all about me me me I I I, but it's real obvious you don't get that right now being a dumb kid.

Listen, if I live a good 55 years I really don't care if I live 20 more relatively uneventful years where my quality of life will definitely be worse. I also am in a field where I can get a career that's relatively stress free but will allow me to make a modest middle income thus I've no wars to wage. Not to mention I'm a pretty active person thus the retirement lifestyle doesn't suit me. As someone who was in med school, I do understand something about empathy but investing my own time/money on myself has nothing to do w/ that since I've probably volunteered more of my time than most folks will in their lifetime. If anything insisting that YOUR genes be passed onto the next generation is what I call "me, me, me, I, I, I" & don't you dare argue otherwise b/c humans are innately selfish when it comes to passing on their genes.


as long as I can still get an erection, I don't wanna work. I want to have sex with wife/girlfriend, play golf, hang out in casino all day, travel, etc... And therefore I will enjoy saving for retirement.

Except there is no guarantee you will make it retirement age nor have a functioning body. I for one don't care much for retirement related activities since I'm more of an active/outdoor-ish person which is why I want to take full advantage of my fully functioning body. Playing golf w/ a bad back, sitting in front of a slot machine, fishing & needing Viagra for an erection aren't exactly my cup of tea.


Because people want to retire and enjoy the final chapter of their life at their own pace.

Did I not make it clear that there is no guarantee that you might be bed ridden by the time you retire? Folks acting like everything is going to remain the same as it is now by the time they are 65. As someone who is in the medical field I'll advice you to think twice if you think everything is going to be gravy.

[Kawhitstorm]

You must own your home that is a MUST!!!!!!!! If you are a renter at 65 you are one gigantic failure. You do not want to be living around renters, that is a fucked existence. You want to be surrounded by home owners who take pride in their homes.

Unless you are a queer or some dumb fuck you will want a famliy and grandkids, trust me at 60 you won't be PARTY OVER HERE PARTY OVER THERE , ok? Believe it or not amigo there will come a time it really is more about watching the kids open thier gifts on XMAS than what me me me I I I got.

As a young stud it's all about getting that dick wet and a buzz and that is fun but it doesn't last forever and you better realize that early on. Only idiots ignore their future.

There will be tires to buy, home improvements to make, you'll need plummers, you'll need your vehicles worked on, you'll need things slick, it takes $$$$$$$$$....ok slugger? That 56 HD TV costs $$$$, that new SUPER DUPER cell phone costs $$$$$$$$. That trip to where ever costs $$$$$$. I own some land, yep it cost $$$$$$$$$.

Start saving all ya can right now, there will come a time you'll..."thank God!"...trust me. Oh yeah.....BUY THAT HOME!!!!!!!!!

That famous Chinese I CHING book, starts off telling you what? What is the most important thing a man can be.......THE KING OF HIS CASTLE....a man must own his castle.

I'm probably not going to make it to 65....I'm going to be one of those folks who dies relatively young rock climbing or hang gliding.

FYI: I'm actually pretty disciplined & financially responsible nor do I care about being the life of the party since I'm an introvert & don't drink. All I care about is enjoying nature but not on some "Into the Wild" shyt since mother nature isn't too kind.

There is a pleasure in the pathless woods,
There is a rapture on the lonely shore,
There is society, where none intrudes,
By the deep sea, and music in its roar:
I love not man the less, but Nature more

[Hungry farmer]

Many, many people are working well into their 70's these days. Pensions are a thing of the past. Unless you have a nice 401k you'll be working later in life. Nothing wrong with that. Staying active with work and not shuffleboard is not a bad thing. Nothing wrong with enjoying life while young either. Better to walk along the great wall of China than limp.

[Avante]

Listen, if I live a good 55 years I really don't care if I live 20 more relatively uneventful years where my quality of life will definitely be worse. I also am in a field where I can get a career that's relatively stress free but will allow me to make a modest middle income thus I've no wars to wage. Not to mention I'm a pretty active person thus the retirement lifestyle doesn't suit me. As someone who was in med school, I do understand something about empathy but investing my own time/money on myself has nothing to do w/ that since I've probably volunteered more of my time than most folks will in their lifetime. If anything insisting that YOUR genes be passed onto the next generation is what I call "me, me, me, I, I, I" & don't you dare argue otherwise b/c humans are innately selfish when it comes to passing on their genes.



Except there is no guarantee you will make it retirement age nor have a functioning body. I for one don't care much for retirement related activities since I'm more of an active/outdoor-ish person which is why I want to take full advantage of my fully functioning body. Playing golf w/ a bad back, sitting in front of a slot machine, fishing & needing Viagra for an erection aren't exactly my cup of tea.



Did I not make it clear that there is no guarantee that you might be bed ridden by the time you retire? Folks acting like everything is going to remain the same as it is now by the time they are 65. As someone who is in the medical field I'll advice you to think twice if you think everything is going to be gravy.

About as dumb as a rock aren't ya son, not a brain in your head.

Work with me...

Life comes in stages ok my man, you're in a stage now that will change, trust me ok slugger. Don't be a fool and think things will stay as they are right now for you, ok? So you want to be smart enought to prepare for that next stage because unless you committ suicide/die it's on it's way. How you feel right now will change, yes son it will don't be a stupid fuck and think it won't, ok?

You are going outside it's cold and raining, you prepare for that, right? You grab a coat, a hat whatever, you don't ignore the moment, ok? Well this is no different, you do all you can to get ready, and that takes $$$$$$$$.

Are you a home owner? If not you need to be. It all starts there. Do you plan on having a family?

Dude, I've walked down main street with a bottle of Ripple drunk as a skunk fucking with motorists, no telling what would have happened if a guy I knew hadn;t pulled up and talked me into his car. That guy is like a stranger to me now, I can't even fathom some of that stupid.dangerous shit I did once upon a time. Things change, be ready and you'll need all the $$$$$$$$$ you can get.

[Kawhitstorm]

Many, many people are working well into their 70's these days. Pensions are a thing of the past. Unless you have a nice 401k you'll be working later in life. Nothing wrong with that. Staying active with work and not shuffleboard is not a bad thing. Nothing wrong with enjoying life while young either. Better to walk along the great wall of China than limp.

Most people are scared to take a leap of faith & settle for the same ole scripted lifestyle while some chase a carrot on a stick but I've discovered that I'm not like most folks. At the end of the day we are all bound to be dead so I might as well die taking a leap of faith for the better rather than living a scripted life & dying of old age. I would actually be hesitant to take a leap of faith if humans were immortal & knew I had to deal w/ the consequence for eternity. The reality is we humans have about a 30 year window (25-55) to enjoy life to the fullest when we have both fully functional body & money to fund our endeavors but most of those years are spent slaving in the workforce. As someone who enjoys an active lifestyle, waiting till retirement age would be like athletes turning pro in their 40s.

[Kawhitstorm]

Aboiut as dumb as a rock aren't ya son, not a brain in your head.

Work with me...

Life is in stages ok my man, you a in a stage now that will change, trust me ok slugger. Don't be a fool and think things will stay as they are rigt now for you, ok? So you want to be smart enought to prepare for that next stage because unles you committ suicide.die it's on it's way. How you feel right now will change, yes son it will don;t ve a stupoid fuck nd think it won't, ok?

You are going outside it's cold and raining, you prepare for that, right? You gran a coat a hat whatever, you don't ignore the moment, ok? Well this is no different, you do all ypu can to get ready, be ready and that takes $$$$$$$$.

Are you a home owner? If not you need to be. It all starts there. Do you plan on having a family?

Old head, I've thought about this for a while & no I don't plan of having a family which is one of the major factors in my decision to not save for retirement. I really have no good reason to have kids besides the innate natural drive I've as a man to impregnate women that I find to be attractive so I could pass on my genes. I've good enough self-control to resist that urge but I wouldn't mind being in a relationship with a woman who shares the same perspective on life including my views when it comes to kids. Maybe adoptions or step kids could be an option but they better be financially independent by the time they are in college which is possible as long as they get a scholarship & major in the STEM fields. One thing I value beyond anything in life is my independence & I'm not willing to relinquish it by bringing people into my life.

[Avante]

Old head, I've thought about this for a while & no I don't plan of having a family which is one of the major factors in my decision to not save for retirement. I really have no good reason to have kids besides the innate natural drive I've as a man to impregnate women that I find to be attractive so I could pass on my genes. I've good enough self-control to resist that urge but I wouldn't mind being in a relationship with a woman who shares my views when it comes to kids. Maybe adoptions or step kids could be an option but they better be financially independent by the time they are in college which is possible as long as they get a scholarship & major in the STEM fields. One thing I value beyond anything in life is my independence & I'm not willing to relinquish it.

An old head talking to a dumb ass....hmmm?

So you actually believe what you feel right now will stay that way, right? That right there tells me you're an idiot. You will be changing your way of thinking as time goes on, we all do. You don't know that?

If you think a life with no family, no $$$$$$ for retirement is the way to go you don't understand what the good life is, it is not being a lonely old fart, which is where you appear to be heading, but.....you will snap out of this stupidity with maturity. Right now you are still in that thumb sucking stage, where like an infant all you care about is your bottle, you need a change of diaper, no thought of anyone else at all, you will out grow that, honest.

Would you believe there will coome a time you will think...."I can't believe I ever said saving for retirement is stupid, what in the hell was I thinking"....I guarantee it!!!!!!!!!!

I will live out the rest of my days never having to worry about $$$$$$$$$. Do you have any idea how sad it would be to an old fart still living from pay day to pay day, wishing you could stop working but simply can't survive without a job....OUCH~~~~~~~

Dude, any pussy you are chasing at 55/older has kids by somebody, ok? Old fucks hangng in bars trying to pick up old women with saggy tits, YUCK~~~~~~~


Perfect



https://www.youtube.com/watch?v=VHJ3iZpfBRI

[man on wire]

An old hed talking to a dumb ass....hmmm?

So you actually believe what you feel right now will stay that way, right? That right there tells me you're an idiot. You will be changing your way of thinking as time goes on, we all do. You don't know that?

If you think a life with no family, no $$$$$$ for retirement is the way to go you don't understand what the good life is, it is not being a lonely old fart, which is where you appear to be heading, but.....you will snap out of this stupidity with maturity. Right now you are still in that thumb sucking stage, where like an infant all you care about is your bottle, you need a change of diaper, no thought of anyone else at all, you will out grow that, honest.

Would you believe there will coome a time you will think...."I can't believe I ever said saving for retirement is stupid, what in the hell was I thinking"....I guarantee it!!!!!!!!!!

I will live out the rest of my days never having to worry about $$$$$$$$$. Do you have any idea how sad it would be to an old fart still living from pay day to pay day, wishing you could stop working but simply can't survive without a job....OUCH~~~~~~~

Dude, any pussy you are chasing at 55/older has kids by somebody, ok? Old fucks hangng in bars trying to pick up old women with saggy tits, YUCK~~~~~~~


Perfect



https://www.youtube.com/watch?v=VHJ3iZpfBRI

I don't worry about $$$$. Life is too short.

[Kawhitstorm]

An old head talking to a dumb ass....hmmm?

So you actually believe what you feel right now will stay that way, right? That right there tells me you're an idiot. You will be changing your way of thinking as time goes on, we all do. You don't know that?

If you think a life with no family, no $$$$$$ for retirement is the way to go you don't understand what the good life is, it is not be a lonely old fart, which is where you appear to be heading, but.....you will snap out of this stupidity with maturity.

Would you believe there will coome a time you will think...."I can't believe I ever said saving for retirement is stupid, what in the hell was I thinking"....I guarantee it!!!!!!!!!!

I will live out the rest of my days never having to worry about $$$$$$$$$. Do you have any idea how sad it would be to an old fart still living from pay day to pay day, wishing you could stop working but simply can't survive without a job....OUCH~~~~~~~

Dude, any pussy you are chasing at 55/older has kids by somebody, ok?

Listen, I was pretty mature for a teenager (I was a young kid w/ an old soul) as I had been living away from my family since I was 14. I was living with relatives starting in high school & didn't get financial support from my family. I put myself through college thanks to a full ride scholarship & got a job right out of school so you could basically say I've been financially independent since I was 14. So don't think I'm the same spoiled/immature person you might have been in your 20s just like the majority of folks in their 20s. I didn't waste my 20s chasing women, bar hopping & partying instead I was exploring different career options & even matriculated at a med school before I recently decided to withdraw b/c it wasn't a good fit. I know what I want & I'm not afraid to take a leap of faith b/c I won't be content w/ the same ole scripted lifestyle.

The only reason I'll change my mind is if I give up & settle just like women who marry men for the sake of starting a family b/c they don't know what else to do with their life. All I need is an independent woman (around my age) who shares my views (there are plenty of women who don't want kids) & also has a passport (not just a vagina).

[Avante]

I don't worry about $$$$. Life is too short.

Ok then send me some, alright? Remember you don't worry about it, right?

Do you want a nice home big HD tv in your 4 bedrooms? Ya want every toy you have ever wanted? You want to drive a nice car and a nicer truck? Ya want to dress nice and wear a watch? How about buying nice things for others? That all thats $$$$$$$$. Do you really want bill collectors calling you, how about being hungry and no $$$$, youreally want that?

I grew up poor, I went to HS poor, it sucks not being able to ever have anything. Anyone who says $$$$$$$$ has never been poor. I've ate peanut butter and crackers for dinner before, with only water to drink, that sucks! It's all about $$$$$$$$$$$$$$ and oly an idiot wouldn't get that.

[Avante]

Listen, I was pretty mature for a teenager (I was a young kid w/ an old soul) as I had been living away from my family since I was 14. I was living with relatives starting in high school & didn't get financial support from my family. I put myself through college thanks to a full ride scholarship & got a job right out of school so you could basically say I've been financially independent since I was 14. So don't think I'm the same spoiled/immature person you might have been in your 20s just like the majority of folks in their 20s. I didn't waste my 20s chasing women, bar hopping & partying instead I was exploring different career options & even matriculated at a med school before I recently decided to withdraw b/c it wasn't a good fit. I know what I want & I'm not afraid to take a leap of faith b/c I won't be content w/ the same ole scripted lifestyle.

The only reason I'll change my mind is if I give up & settle just like women who marry men for the sake of starting a family b/c they don't know what else to do with their life. All I need is an independent woman (around my age) who shares my views (there are plenty of women who don't want kids) & also has a passport.

So you have no God, you don't own a home, you don't have a woman or plan on having any children. And fuck saving for retirement, enjoy life now (as if you don't actually enjoy it more later).

You are living in a neartherworld of your own making, enjoy.

There will come a time (if you stick to that plan) where you will be all alone, nobody to care about, nobody to worry about, just you. You will hear the walls breathing, the silence will be loud, you will then wonder about just how fucking stupid you were and....why?

[Kawhitstorm]

Ok then send me some, alright? Remember you don't worry about it, right?

Do you want a nice home big HD tv in your 4 bedrooms? Ya want every toy you have ever wanted? You want to drive a nice car and a nicer truck? Ya want to dress nice and wear a watch? How about buying nice things for others? That all thats $$$$$$$$. Do you really want bill collectors calling you, how about being hungry and no $$$$, youreally want that?

I grew up poor, I went to HS poor, it sucks not being able to ever have anything. Anyone who says $$$$$$$$ has never been poor. I've ate peanut butter and crackers for dinner before, with only water to drink, that sucks! It's all about $$$$$$$$$$$$$$ and oly an idiot wouldn't get that.

First off I don't care for material possessions & luxury. All I need is a laptop/broadband connection, a smart phone, one bedroom apt then throw in a pre-owned Tesla/road bike, I'm set as far as material possessions. I don't care about clubbing so instead of wasting money at the club for bottle service or buying jewelry trying to be flashy I'll save the money & use it for vacation. All I care about is having a low stress but well paying/mentally stimulating career that will allow me to chill on the weekends & travel every 6 months all of which will be a reality in about 2-3 years time.

Living a middle class lifestyle to the fullest & dying relatively young (~55) > slaving until retirement age & dying of old age

[Kawhitstorm]

There will come a time (if you stick to that plan) where you will be all alone, nobody to care about, nobody to worry about, just you. You will hear the walls breathing, the silence will be loud, you will then wonder about just how fucking stupid you were and....why?

Bruh, I'm an introvert who doesn't mind solitude. I'm actually living the life you described except for the "wondering about just how stupid I was" part & it doesn't bother me one bit b/c again I care more about nature than people. I've plenty of things to keep me busy besides socializing so I don't pay attention to the "walls breathing, the silence being loud". If you are an extrovert then you might think I'm a sociopath but I'm "Mr. Nice Guy" who just happens to be an introvert, I don't hate people.

[Mark Celibate]

Spending is a different word than investment imho. There're a lot of ways in which you can make wise use of your money and make them generate extra income for you after your retirement. I agree that the mean pension money ain't sufficient to sustain a decent life, that's just simple fact, but there are better solutions to this issue than blowing all your money when you're young only to live on welfare as a dotard later in your life. Maybe you're too young to think carefully about your life, or you're just born a hedonist, I don't know. If you really wanna invest in yourself, education is not a bad option because it gives you knowledge and also additional skills which would better your life tremendously. Or maybe you can try things like art, music or others that can help improve the spiritual aspect of your life... all of which are better options than spending your money on harmful items like alcohol, pussies and drugs imho.

And I am not one of those convention guardians. I also resent the old style of traditional life - getting married and living a lukewarm life like the old generation etc... but it doesn't mean you have to try crazy shits just to BE different tbh. Just live the life that you think is best for you, both in the short term and in the long term. Celibacy is my choice, I don't smoke and I gave up alcohol completely about 4yrs ago. My life may be void of joy in your eyes, but it is a choice of thorough meditation and scientific assessment, rather than one of intuition or impulse driven by the pure desire for joy or fun, tbh.

[Mark Celibate]

Save money but use it for vacation not for future medical expenses. You won't be able to enjoy life past retirement age as much as you could in you 20s, 30s, 40s b/c your body won't cooperate or you could be dead/incapacitated from cancer, heart attack, stroke, car accident...etc.

I don't care whatsoever about passing on my genes so I'm going to spend all my income on Me, Myself & I. If you don't have to look forward to grandkids, what is the point of living a long boring life anyways? Just find a low-stress career that pays a decent middle income wage, scout for a traveling companion who isn't interested in having kids then explore the world while sipping pina colada & laughing at degenerates living a scripted life.

**Disclaimer: I'm an atheist thus I don't believe in afterlife so earth is heaven/hell to me but I choose to treat it like heaven.**
You can maintain good health well into your 70s at least, or maybe 80s and 90s as well if you take care of your body. Eat and sleep healthy, and perhaps combined with celibacy you'll have a good chance to live past the 100th mark tbh. And I don't think life will necessarily be boring just because one is old. A man is old as he thinks, I mean if you have a more optimistic mindset the quality of your life will always be good despite your age imho.

[DarrinS]

Saving for retirement, having a family, and enjoying life aren't mutually exclusive.

If you can't save for retirement AND enjoy life, maybe you aren't making enough money?

But, if you want to let the IRS rape your paycheck, i.e. being single, not having kids, not having a 401k, then by all means, enjoy your life. :lol

[spurraider21]

Inb4 op is sucking dick for crack

[tlongII]

I want to travel, go to ball games, and bang hot bishes when I'm retired. You need cash to do that.

[Biernutz]

Nah, if you are living life to the fullest then you will probably die before 75. I'm going to be doing a lot of risky shyt b/c I value fun experiences over life.

I would look at the ages of all my family members to see how old they are now and how old the members are when
they died. 75 in my family seems to be the number but some have lived into their 90's and be very active.

If you still want to spend it all, you might want to save your family some grief by putting some money aside
for your burial. If you are unlucky don't die and you have to go to a nursing home the more money you can spend
the better care you get. We had to put a relative in a nursing home last year and some look like the ward
from the movie -one flew over the cuckoo's nest.

if you are not self employed you may loose your job once you get into your 50's because of your
age. They say that can't happen but don't believe it. Where will you get your money to live if you
have spent it all?

All of this is moot if Obama Care's death panels decide you cost to much to stay alive.....(shit--here comes Chump!)

[CavsSuperFan]

All of this is moot if Obama Care's death panels decide you cost to much to stay alive...

Obama lied & Grandma died...:cry

[Mitch]

Listen, if I live a good 55 years I really don't care if I live 20 more relatively uneventful years where my quality of life will definitely be worse. I also am in a field where I can get a career that's relatively stress free but will allow me to make a modest middle income thus I've no wars to wage. Not to mention I'm a pretty active person thus the retirement lifestyle doesn't suit me. As someone who was in med school, I do understand something about empathy but investing my own time/money on myself has nothing to do w/ that since I've probably volunteered more of my time than most folks will in their lifetime. If anything insisting that YOUR genes be passed onto the next generation is what I call "me, me, me, I, I, I" & don't you dare argue otherwise b/c humans are innately selfish when it comes to passing on their genes.



Except there is no guarantee you will make it retirement age nor have a functioning body. I for one don't care much for retirement related activities since I'm more of an active/outdoor-ish person which is why I want to take full advantage of my fully functioning body. Playing golf w/ a bad back, sitting in front of a slot machine, fishing & needing Viagra for an erection aren't exactly my cup of tea.



Did I not make it clear that there is no guarantee that you might be bed ridden by the time you retire? Folks acting like everything is going to remain the same as it is now by the time they are 65. As someone who is in the medical field I'll advice you to think twice if you think everything is going to be gravy.

If you're in the medical field then you should understand that it's unlikely that you will be bedridden unless you lived a very hard life or have a serious medical condition. I'd rather set aside some chips on the fairly good chance that I'll be able to relax the last 20-30 years of my life.

[Wild Cobra]

Save money but use it for vacation not for future medical expenses. You won't be able to enjoy life past retirement age as much as you could in you 20s, 30s, 40s b/c your body won't cooperate or you could be dead/incapacitated from cancer, heart attack, stroke, car accident...etc.

I don't care whatsoever about passing on my genes so I'm going to spend all my income on Me, Myself & I. If you don't have to look forward to grandkids, what is the point of living a long boring life anyways? Just find a low-stress career that pays a decent middle income wage, scout for a traveling companion who isn't interested in having kids then explore the world while sipping pina colada & laughing at degenerates living a scripted life.

**Disclaimer: I'm an atheist thus I don't believe in afterlife so earth is heaven/hell to me but I choose to treat it like heaven.**

You are a fine example of an irresponsible individual, who will, by intent, make my grandchildren support your sorry ass.

[Wild Cobra]

I'm probably not going to make it to 65....I'm going to be one of those folks who dies relatively young rock climbing or hang gliding.


Why don't you just admit you have HIV?

[Buddy Mignon]

I'm probably not going to make it to 65....I'm going to be one of those folks who dies relatively young rock climbing or hang gliding.

FYI: I'm actually pretty disciplined & financially responsible nor do I care about being the life of the party since I'm an introvert & don't drink. All I care about is enjoying nature but not on some "Into the Wild" shyt since mother nature isn't too kind.

There is a pleasure in the pathless woods,
There is a rapture on the lonely shore,
There is society, where none intrudes,
By the deep sea, and music in its roar:
I love not man the less, but Nature more


No... you're most likely going to be the guy that becomes a burden to his kids... no pension... no insurance. Its called saving for a rainy day.

[~O~]

Honestly, I love this discussion. I won't chime in because everything has been said and I won't be changing any minds.

Continue.

[Avante]

Hmmmm?

There is a pleasure in the pathless woods,
There is a rapture on the lonely shore,
There is society, where none intrudes,
By the deep sea, and music in its roar:
I love not man the less, but Nature more


There is time and it waits for no one
Not you and not me
So you make damn sure
You have security

The hell with pathless woods
Fuck the lonely shore
Without any money
You can't afford be be there anymore

Don't be an old fart
Down on your luck
Because as a young man
You didn't give a fuck

Do it right
Be a smart man
Save for that retirement
have a plan

[Kawhitstorm]

If you're in the medical field then you should understand that it's unlikely that you will be bedridden unless you lived a very hard life or have a serious medical condition. I'd rather set aside some chips on the fairly good chance that I'll be able to relax the last 20-30 years of my life.

If you want to take that gamble then go ahead but there is no guarantee in life so I've chosen to enjoy it in the moment. By the time you're retirement age you are probably suffering from arthritis, bad vision, bad back, bad hip, erectile dysfunction, hemorrhoid, saggy skin, loss of muscle mass & you might have had cancer, stroke, a heart attack, high blood pressure, diabetes, Alzheimer...etc. I've a clean bill of healthy right now & I've the money to spend so why not take advantage of it.


You are a fine example of an irresponsible individual, who will, by intent, make my grandchildren support your sorry ass.

I'll rather die in the wilderness than live off welfare.



And I am not one of those convention guardians. I also resent the old style of traditional life - getting married and living a lukewarm life like the old generation etc... but it doesn't mean you have to try crazy shits just to BE different tbh. Just live the life that you think is best for you, both in the short term and in the long term. Celibacy is my choice, I don't smoke and I gave up alcohol completely about 4yrs ago. My life may be void of joy in your eyes, but it is a choice of thorough meditation and scientific assessment, rather than one of intuition or impulse driven by the pure desire for joy or fun, tbh.

I already practice everything you stated & I have no desire for impulse driven joy such as alcohol/drug/orgies. All I want is the freedom to enjoy nature, go on adventures & travel while I'm a 100% physically/mentally able to do so.


Saving for retirement, having a family, and enjoying life aren't mutually exclusive.

If you can't save for retirement AND enjoy life, maybe you aren't making enough money?

But, if you want to let the IRS rape your paycheck, i.e. being single, not having kids, not having a 401k, then by all means, enjoy your life. :lol

I already took that into consideration which is why I'm okay w/ not making a penny over 75K.


I want to travel, go to ball games, and bang hot bishes when I'm retired. You need cash to do that.

Who is to say you will be mentally/physically about to do so or even alive by the time you're retirement age?


I would look at the ages of all my family members to see how old they are now and how old the members are when
they died. 75 in my family seems to be the number but some have lived into their 90's and be very active.

If you still want to spend it all, you might want to save your family some grief by putting some money aside
for your burial. If you are unlucky don't die and you have to go to a nursing home the more money you can spend
the better care you get. We had to put a relative in a nursing home last year and some look like the ward
from the movie -one flew over the cuckoo's nest.

if you are not self employed you may loose your job once you get into your 50's because of your
age. They say that can't happen but don't believe it. Where will you get your money to live if you
have spent it all?

All of this is moot if Obama Care's death panels decide you cost to much to stay alive.....(shit--here comes Chump!)

I'm not going to die on a hospital bed. I'm either going to free to death climbing Everest or fall to my death rock climbing or some shyt.

[Kawhitstorm]

Hmmmm?

There is a pleasure in the pathless woods,
There is a rapture on the lonely shore,
There is society, where none intrudes,
By the deep sea, and music in its roar:
I love not man the less, but Nature more


There is time and it waits for no one
Not you and not me
So you make damn sure
You have security

The hell with pathless woods
Fuck the lonely shore
Without any money
You can't afford be be there anymore

Don't be an old fart
Down on your luck
Because as a young man
You didn't give a fuck

Do it right
Be a smart man
Save for that retirement
have a plan

I have ZERO interest in being an old fart w/ saggy skin. Humans innately want to live as long as possible but once you figure that out it's not that hard to override it. We exist to simply pass on our genes & we are suppose to make decisions in the best interest of our off springs while everything else is a sideshow which is why people change once they have kids. I have chosen not to pass on my genes & spend all my time/resources on Me, Myself & I b/c I'm an atheist who doesn't believe in afterlife. I'll let the suckers slave for the survival of their genes & worry about the future while I live life in the moment & enjoy it to the fullest.

[Mitch]

If you want to take that gamble then go ahead but there is no guarantee in life so I've chosen to enjoy it in the moment. By the time you're retirement age you are probably suffering from arthritis, bad vision, bad back, bad hip, erectile dysfunction, hemorrhoid, saggy skin, loss of muscle mass & you might have had cancer, stroke, a heart attack, high blood pressure, diabetes, Alzheimer...etc. I've a clean bill of healthy right now & I've the money to spend so why not take advantage of it.



I'll rather die in the wilderness than live off welfare.



I already practice everything you stated & I have no desire for impulse driven joy such as alcohol/drug/orgies. All I want is the freedom to enjoy nature, go on adventures & travel while I'm a 100% physically/mentally able to do so.



I already took that into consideration which is why I'm okay w/ not making a penny over 75K.



Who is to say you will be mentally/physically about to do so or even alive by the time you're retirement age?



I'm not going to die on a hospital bed. I'm either going to free to death climbing Everest or fall to my death rock climbing or some shyt.

Remember that you're also taking a gamble at living your twilight years poorly. Maybe yyou're gonna be in bad health, but I've seen many living their 50s and 60s fairly well. After that, might as well relax in comfort.

But hey, that's your choice, perhaps it lacks forethought but I can't call ya an idiot for it. You're simply stacking hour chips somewhere else.

[Aztecfan03]

Remember that you're also taking a gamble at living your twilight years poorly. Maybe yyou're gonna be in bad health, but I've seen many living their 50s and 60s fairly well. After that, might as well relax in comfort.

But hey, that's your choice, perhaps it lacks forethought but I can't call ya an idiot for it. You're simply stacking hour chips somewhere else.
based on the thread title, he is an idot.

[DarrinS]

OP needs to do something to shelter some of his money from the IRS. Unless he likes giving the govt an interest free loan every year.

[WGAFF]

You are a fine example of an irresponsible individual, who will, by intent, make my grandchildren support your sorry ass.

http://www.rollingrains.com/archives/Ayutthaya.jpg

[Why?]

Possibly 75 years old and having to work? Not a possibility I'd wanna get stuck with

http://i.dailymail.co.uk/i/pix/2015/07/27/13/2AE0762600000578-3175967-image-a-45_1438000128635.jpg
why not work?

[Kawhitstorm]

OP needs to do something to shelter some of his money from the IRS. Unless he likes giving the govt an interest free loan every year.

Again, if I'm making below 75K then I fall in the same tax bracket as someone making 40k. I only really need about 2500 a month (30k per year) to live well in SoCal since I've a low maintenance lifestyle but I'll be taking home 50K after taxes meaning I'll have 20k as expendable income for vacation & what not. I could just max out my Roth (5k) to decrease my taxable income since it's money I won't need & cash out if I'll live to be 60 for one final epic journey to never return. I'll be paying into medicare/social security but everyone currently is paying for the baby-boomers & there is no guarantee that the future generation will ever benefit from it.

I'm not one of those folks who gets joy out of having excess money so Uncle Sam can take all it wants as long as I get my 50k at the end of the year. The money I won't have is the money I won't need.

[z0sa]

Thats just what the big corps want, you working til the day you die.

[Kawhitstorm]

Thats just what the big corps want, you working til the day you die.

LoL why do I care how long I work if I like my job & am enjoying my life. It's not like I'm planning on flipping burgers & never taking a vacation. Shyt, bring on those paid vacations my way. It's those folks who have insurmountable student loan, mortgage, kids to raise & put through college while rarely taking a vacation that are suckers for those big corps.

[z0sa]

So youd rather get a paid vacation for two weeks or for ten or twenty years? Up to you

[Kawhitstorm]

So youd rather get a paid vacation for two weeks or for ten or twenty years? Up to you

2 week vacation, weekends plus holidays is about 120 days off. So that means I'm off 33% a year while I'm young & healthy. Visiting museums in Europe & fishing isn't my thing, I'll leave that to the old geezers. Not to mention I'm the type of person that doesn't need more than a 2 wk vacation at a time b/c I'm a workholics & happen to like my career. Can't imagine being retired & living like a lazy bum.

[m>s]

What a degenerate and a genetic dead end. Probably a kike shill.

[z0sa]

Dont get me wrong, you should spend money now. Just on the right shit.

[Kawhitstorm]

What a degenerate and a genetic dead end. Probably a kike shill.

:sleep

[StudMuffin]

Having a nice cash flow in your 70's keeps the juices flowing.
http://www.whats2hot.com/wp-content/uploads/2014/03/b2ap3_thumbnail_SugarDaddy-Blog-Whats2hot.jpg

[spurraider21]

op said he doesn't want kids

darwinism at work :tu

[Kawhitstorm]

Having a nice cash flow in your 70's keeps the juices flowing.
http://www.whats2hot.com/wp-content/uploads/2014/03/b2ap3_thumbnail_SugarDaddy-Blog-Whats2hot.jpg

Fuck I care for a sleazy gold digger? I really don't care about sex unless I'm horny & by the time I'm 70 that might be a rarity.

[Kawhitstorm]

op said he doesn't want kids

darwinism at work :tu

Nice to meet someone who accepts scientific pedagogy.

[pgardn]

http://i58.tinypic.com/33a6lpw.jpg

Avante with the goods and the black horn rims.

[Biernutz]

To retire nicely.....

http://i210.photobucket.com/albums/bb270/systime/the%20boat%207_zpsuewnqga7.jpg

[DJR210]

I really don't care about sex unless I'm horny

That's pretty beta of you

[Wild Cobra]

Save money but use it for vacation not for future medical expenses. You won't be able to enjoy life past retirement age as much as you could in you 20s, 30s, 40s b/c your body won't cooperate or you could be dead/incapacitated from cancer, heart attack, stroke, car accident...etc.

I don't care whatsoever about passing on my genes so I'm going to spend all my income on Me, Myself & I. If you don't have to look forward to grandkids, what is the point of living a long boring life anyways? Just find a low-stress career that pays a decent middle income wage, scout for a traveling companion who isn't interested in having kids then explore the world while sipping pina colada & laughing at degenerates living a scripted life.

**Disclaimer: I'm an atheist thus I don't believe in afterlife so earth is heaven/hell to me but I choose to treat it like heaven.**

So, when you have no money saved up, are you going to be one of the WalMart greeters later in life?

[baseline bum]

But, if you want to let the IRS rape your paycheck, i.e. being single, not having kids, not having a 401k, then by all means, enjoy your life. :lol

IRS is still cheaper than kids tbh

[Avante]

So we have a guy here thinking being old, alone and broke is the way to go, hahaha!!!!!!!!

Poor little fella.

As I sit here thinking about a bigger HD tv for the bedroom. Already thinking about XMAS gifts for everybody, oh yeah this guy won't have anyone to buy for. MERRY XMAS!!!!!!!!

[SpursforSix]

As I sit here thinking about a bigger HD tv for the bedroom.

You should check the personals on Craig's List.

[K...]

Anyone under 40 here besides op? I'm mid 30 and I agree with op for the most part.

Retirement is a historical rarity. The notion that able bodied people should plan on leaving the workforce is bad. Retirement kills and deadens people. You need to stay engaged or you suffer dementia and start posting like glen hob. Planning on shifting to part time work is fine. But it's just unrealistic to plan for a twenty year retirement.

Second op can live well past 100 if he wants. Basically anyone who lives past 2070 can live forever in some form. You might literally have to fight the government to die!

Third the entire economy is going to transform in ops lifetime. The cost of natural physical good will go up,(sell me coffee bro) wages will go down, but computer intelligence will rapidly change our economy driving down the cost of manufacturing and design to nearly zero.

Think, right now the economy is based on rich westerners buying things. Wages are going down. When wages go to zero, what is the economy? Are we going to establish make work, or universal minimum income? There's just no way we're going need millions of humans working past 2040.

There are way too many variables to suggest that saving is the best option. There is a large possibility that the rich get better technology faster, but unless there are artificial limit,. Almost all modern technologies are not limited by traditional scarce goods. The computer in my hand is the same as the richest 1%. As the pace of technology increases the rich advantage will become nil.

Id say first, stay healthy. Don't have kids unless you want to. Kids don't make you happier. It's literally a bad decision. Even if you are a good parent, it's rare that a good parent is also not a good single person.

Society is changing. Families aren't welcome in cities. As we start to live longer the model of kids caring for elders will become warped. As a society we should also be well able to care for our old people without pulling children of their prime earning work years. It's just bad policy.

Finally, by all accounts op is narcissistic asshole but who cares? Stop imposing your 20th century talking points

[spurraider21]

Kids don't make you happier. It's literally a bad decision. Even if you are a good parent, it's rare that a good parent is also not a good single person.

Families aren't welcome in cities.
:lmao what the fuck are you talking about

[K...]

:lmao what the fuck are you talking about

Which part? It's true..... Kids don't make you happier. In fact they can make you very unhappier. Being even a boring single person is better than a kid. Yes, having kids results in some amazing moments. But the amount of work you do in between those moments totally screws the equation.

We don't need anyone to have kids. Human population needs to decrease radically over the next 100yr. We don't work on the farm so you don't need kids to work the harvest.

We're pretty much farming kids out to the government for 1/2 the time anyway. Why have kids if the public schools are so awful and you won't control TV or internet they watch.

[Kawhitstorm]

To retire nicely.....

http://i210.photobucket.com/albums/bb270/systime/the%20boat%207_zpsuewnqga7.jpg

I give ZERO fucks about air heads built like a barbie doll. I'm attracted to "the girl next door" type nerdy girls who have their shyt together.

[Kawhitstorm]

So we have a guy here thinking being old, alone and broke is the way to go, hahaha!!!!!!!!

Poor little fella.

As I sit here thinking about a bigger HD tv for the bedroom. Already thinking about XMAS gifts for everybody, oh yeah this guy won't have anyone to buy for. MERRY XMAS!!!!!!!!

Material possession means nothing to me, if I don't need it then I don't buy it. In any case, I'll have lived my life to the fullest while my body/mind is functioning at close to 100% capacity & be dead before I'm "old, alone and broke".......good luck collecting your pension while it lasts & vacationing w/ a walker.

[InRareForm]

Compound interest is stupid? Oh really?

[ididnotnothat]

I'm retiring with a tiny home. No need for an expensive large home.
http://cdn1.theodysseyonline.com/files/2015/07/15/635725687059396913-1170969952_glamper-tiny-house-camper-4.jpg
and free to travel.

[ididnotnothat]

u sure thats a home man? looks like a sauna and spa...

It has all I need.
https://s-media-cache-ak0.pinimg.com/236x/4e/7e/fb/4e7efbc393155a65cfc70c00ea837a1d.jpg

[Kawhitstorm]

Compound interest is stupid? Oh really?

Idiot, I NEVER said saving for retirement using 401k/Roth accounts is a stupid way of saving. My point is that I could drop dead any day & even if I make it to retirement age I won't be as physically/mentally fit as I'll be BEFORE retirement age to enjoy life to the fullest. You guys are investing in a basket of eggs & are counting your chicks before they hatch meanwhile I went to the store & bought chicken breasts. You guys would get more bang for your buck but who knows if the eggs will hatch or if the chicks will make it to be chickens not to mention it's not a guarantee you will be able to consume chicken or will be alive to enjoy your chicken breasts by the time they are ready.

[DMC]

The older you get the dumber you get. It's not because you forget shit, it's that you realize how much you don't know. Because of that you'll probably need a lot of money to overcome the overwhelmingly stupid shit you did for the first 35 years of your life. You'll get to retirement age and will have a double mortgage, your kids and grand kids will be living with you and medications for the conditions you helped foster with shitty choices will be outrageous in price, and those dumb ass kids of yours won't lift a finger to help. They're waiting for you to die so they can ingest your morphine.

[DMC]

I'm retiring with a tiny home. No need for an expensive large home.
http://cdn1.theodysseyonline.com/files/2015/07/15/635725687059396913-1170969952_glamper-tiny-house-camper-4.jpg
and free to travel.
Stupid ass fucking fad tiny homes. A tiny fire and you're a tiny fucking marshmallow.

[m>s]

Which part? It's true..... Kids don't make you happier. In fact they can make you very unhappier. Being even a boring single person is better than a kid. Yes, having kids results in some amazing moments. But the amount of work you do in between those moments totally screws the equation.

We don't need anyone to have kids. Human population needs to decrease radically over the next 100yr. We don't work on the farm so you don't need kids to work the harvest.

We're pretty much farming kids out to the government for 1/2 the time anyway. Why have kids if the public schools are so awful and you won't control TV or internet they watch.literally poison. We actually need the population of western educated people to INCREASE. It's the populations of Africa and Asia that need to decrease. Preaching to a board of Americans and Europeans to stop having kids is wrong and doesn't solve anything. People are literally making the case right now for increased violent third world immigration because we aren't having enough kids. We should be having more, them less.

[Kawhitstorm]

literally poison. We actually need the population of western educated people to INCREASE. It's the populations of Africa and Asia that need to decrease. Preaching to a board of Americans and Europeans to stop having kids is wrong and doesn't solve anything. People are literally making the case right now for increased violent third world immigration because we aren't having enough kids. We should be having more, them less.

There is a need for increased birth rate b/c the baby-boomer & older gen Xs outnumber the millennials thus there won't enough workers to fund their LAVISH pensions/medicare/social security. They are going to suck it dry & there won't be anything left when the millennials reach retirement age. I'm going to spend my money before inflation enormously decreases the buying power of my retirement account that will be caused by the shortage of labor. There won't be medicare to cover your health expenses, pensions to live off & social security to subsidize your cost of living. Japan is experiencing this issue as we speak & the bubble will burst in the next 10yrs when all the baby-boomer/older gen X will have retired. They have socialized medicine & their income gap isn't as large as here in the US so they have been able to keep a lid on it but that will change pretty soon.

Germany won't have this issue b/c they get taxed at a very high level & their pension programs are managed strictly thus there is a lot of grain stored in the barn unlike in the US where 1% can get taxed at the same rates as someone making minimum wage & a large institution such as the University of California only discovered 10 yrs ago that nobody was funding the pension program:downspin:. Let's not forget a bunch of pension fund being wiped out by the recession thus they have to pull money from the millennials account to cover the baby-boomers/gen Xs.