This is great bc I am all for sacrificing my immediate pleasure so I can pay for someone else's choice not to.
Posted from Rivals Mobile
Posted from Rivals Mobile
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Its the strategy our VP has put to use. Shouldn't the rest of the citizenry have the same option?Originally posted by N. Pappagiorgio:
Screw it. I'm blowing it all and letting the government and my kids take care of me.
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Same lib rhetoric telling conservative people how they think, when it's all BS. Keep painting with broad strokes sys, I know it makes you feel better.Originally posted by syskatine:
Know what the cause of that is? Bad parenting. The media and entertainment industry convinces our kids they need certain things to be successful. They're more effective in instilling values and expectations in children than parents are.
We are not an "acquire" society -- we're a "consume" society, and those are two different things.
Especially when it comes to food. A middle class family just can't afford to eat out every day. It's just expensive over the long haul. And automobiles, huge houses, golf, gas..... they're all expensive. We haven't even started on "nice" clothes.
Ya'll can try to isolate one race (dark, I'm sure) or class (poor, I'm sure) but I'm predicting any anomaly lies in the socioeconomic groups that are capable of, but don't, acquire wealth. The sad thing is they're broke from trying to project an image of wealth.
I was reading it in agreement. Then bam! Racists gonna be racists I guess.Originally posted by squeak:
Sys you were doing great until you mentioned race and the poors.
Posted from Rivals Mobile
Any recommendations on what to read to know how much to appropriately save?Originally posted by cgapoke:
I'm in the insurance/financial service field. If I had to bet, I would say about 10% of the people I meet with have saved or are saving appropriately, or even close to appropriately to be able to retire. I am genuinely shocked when I meet with someone that has solid savings.
Everyone's situation is pretty unique, so it's dificult for me to recommend one book. My best recommendation would be to find an advisor that you can really trust, sit down with them and go over your goals and your numbers. In terms of philosophy on retirement planning, I really like a book by Tom Hegna, called Paychecks and Playchecks. He is pretty convservative for some people's taste but he makes a lot of sense. There are a lot of calculators online as well that simplify finding "The Number."Originally posted by Mr. Blonde:
Any recommendations on what to read to know how much to appropriately save?Originally posted by cgapoke:
I'm in the insurance/financial service field. If I had to bet, I would say about 10% of the people I meet with have saved or are saving appropriately, or even close to appropriately to be able to retire. I am genuinely shocked when I meet with someone that has solid savings.
I have a 401k and Roth IRA, my wife will have a teachers pension, and my greatest fear is that we will not have enough to enjoy our retirement.Originally posted by tcpoke:
And of the 2/3rds that do, I bet a huge portion of them won't have near enough to actually support their retirement.
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Ivan, I've met a lot of folks like you too. If you live to age 65, then your life expectancy goes from 77 to about 85. One way to have a better feel for your money is to sit down with your spouse and talk about your "needs" and your "wants" in retirement. Then you just set your budget around "needs" and "wants." Make sure your "needs" are covered by your guarantee money, if possible and your wants are covered by the rest. If you have enough guarantee money to cover both, then great! If not, you may have to still take on some risk on your investment during your retirement years. There are other factors to consider as well such as inflation and social security benefits, but the needs/wants deal is a great place to start.Originally posted by OSUIvan:
I have a 401k and Roth IRA, my wife will have a teachers pension, and my greatest fear is that we will not have enough to enjoy our retirement.
Originally posted by squeak:
If you're doing something you hate, your life is wasting away.
Best post I've seen in a long time. I agree 1000% and I have to tell you, I don't have a great "retirement plan" though I do love what I do, am nearly debt free and my business is growing, so I am going to see what happens with that and enjoy the ride.Originally posted by squeak:
As I read through this I realize that trying to have enough money to retire is the wrong way to look at it. The goal should be to put yourself in a situation where you are no longer a slave (i.e. debt free, self employed, self sufficient, content); where you determine how you spend your day. If you treat your life as though you need a nest egg big enough so one day you can quit your job and not work, I think your life is probably pretty said right now. If you're doing something you hate, your life is wasting away.
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I might have an opportunity to invest in a new start-up Oklahoma brewery. It'll take a significant chunk of my retirement if I do this. But, it'll be in something that I love. We'll see. I may die broke... but it'll be happy and broke.Originally posted by MegaPoke:
Best post I've seen in a long time. I agree 1000% and I have to tell you, I don't have a great "retirement plan" though I do love what I do, am nearly debt free and my business is growing, so I am going to see what happens with that and enjoy the ride.Originally posted by squeak:
As I read through this I realize that trying to have enough money to retire is the wrong way to look at it. The goal should be to put yourself in a situation where you are no longer a slave (i.e. debt free, self employed, self sufficient, content); where you determine how you spend your day. If you treat your life as though you need a nest egg big enough so one day you can quit your job and not work, I think your life is probably pretty said right now. If you're doing something you hate, your life is wasting away.
Posted from Rivals Mobile