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Is it true that 401ks were created so you can never retire?

https://x.com/vladtheinflator/status/1942968358196084973?s=4...
maize friendly grandma church building
  07/10/25
They were created to be one of many small vehicles one could...
Concupiscible set
  07/10/25
The end result is that proles buy $78;000k trucks and contri...
Transparent dragon native
  07/10/25
...
High-end brilliant party of the first part range
  07/10/25
...
slap-happy love of her life gaping
  07/10/25
pensions were unsustainable trash while i agree that there ...
cocky razzle-dazzle mad cow disease locale
  07/10/25
A 401k is a “pension” you idiot. It’s The ...
Transparent dragon native
  07/10/25
No it's not. With a 401k/match, they give you the money and...
racy hall toilet seat
  07/10/25
oh? please explain the differences. are any of those differ...
cocky razzle-dazzle mad cow disease locale
  07/10/25
i'd like more sealclubber versus cowgod subthreads. you've g...
peach deranged mood
  07/10/25
...
Hyperactive Base Dog Poop
  07/10/25
twitter sucks because unless you heavily block and filter yo...
zippy orchestra pit
  07/10/25
where is his reasoning? my wife and i each have roughly ...
mildly autistic mind-boggling box office background story
  07/10/25
Yea I thought it required a full career and retirement in yo...
zippy orchestra pit
  07/10/25
is this true? i thought pensions often were based on 20 or 2...
cocky razzle-dazzle mad cow disease locale
  07/10/25
Why would a company give someone money for not working just ...
tantric house-broken giraffe
  07/10/25
I think he’s talking about 95% of people and not the 5...
maize friendly grandma church building
  07/10/25
retard take?
Vermilion Confused Athletic Conference Office
  07/10/25
Explain like I’m a trans woman Thai with her buttcheek...
mildly autistic mind-boggling box office background story
  07/10/25
Just a chill 10% return every year for 20 years
arousing cruel-hearted philosopher-king stage
  07/10/25
...
Garnet beady-eyed hell
  07/10/25
yeah, totally unrealistic to expect that. past performance i...
mildly autistic mind-boggling box office background story
  07/10/25
Average returns going forward will be 2%, inflation 4%, and ...
Maroon Comical Business Firm Internal Respiration
  07/10/25
cr, i'm going to plan on working until 70 now.
mildly autistic mind-boggling box office background story
  07/10/25
Before offing urself? If not, you need to work until 90 at a...
Maroon Comical Business Firm Internal Respiration
  07/10/25
The problem is that any system which requires people to act ...
aphrodisiac travel guidebook
  07/10/25
...
High-end brilliant party of the first part range
  07/10/25
...
Kink-friendly Cerebral Multi-billionaire
  07/10/25
why should we prevent olds from starving to death?
unhinged gaming laptop brunch
  07/10/25
Why wouldn't we actually encourage it to reinforce to everyo...
bateful bistre sandwich
  07/10/25
And then we'll just start releasing them to Elsewhere.
Trip coiffed jap whorehouse
  07/10/25
...
Pungent indian lodge
  07/10/25
...
Garnet beady-eyed hell
  07/10/25
then let them eat cake
cocky razzle-dazzle mad cow disease locale
  07/10/25
i love how so many shitcon's "conservative" govern...
peach deranged mood
  07/10/25
except when people are being mean to jews in which case they...
Orange Boyish Lay Kitty
  07/10/25
then you have the based anti-israel people going apeshit ove...
peach deranged mood
  07/10/25
but for the israeli and jewish cudgel and a dummy in the WH ...
Orange Boyish Lay Kitty
  07/10/25
mmm perhaps not factions per se, as that would require coher...
peach deranged mood
  07/10/25
what hysterical drivel olds don't die in the streets all c...
cocky razzle-dazzle mad cow disease locale
  07/10/25
what compels you to write in such a jarring and unreadabl...
peach deranged mood
  07/10/25
very good reply, faggeratttt. now try substance.
cocky razzle-dazzle mad cow disease locale
  07/10/25
there's no reason to because you agreed with me in your last...
peach deranged mood
  07/10/25
i know i'm repeating the very obvious at this point, but it'...
mildly autistic mind-boggling box office background story
  07/10/25
you're a faggot, zurich. durr durr i hate jews!! hitler cam...
cocky razzle-dazzle mad cow disease locale
  07/10/25
...
mildly autistic mind-boggling box office background story
  07/10/25
i didn't agree with you, but if you want to suck a cock, zur...
cocky razzle-dazzle mad cow disease locale
  07/10/25
so you request a substantive response, i give it, and you ju...
peach deranged mood
  07/10/25
"that inherently leads to no government if less is alwa...
cocky razzle-dazzle mad cow disease locale
  07/10/25
if i have 100 government, and less is always better, so ever...
peach deranged mood
  07/10/25
down goes another lsat point
cocky razzle-dazzle mad cow disease locale
  07/10/25
Why don't these people just get jobs? They are far better at...
tantric house-broken giraffe
  07/11/25
...
tantric house-broken giraffe
  07/11/25
...
peach deranged mood
  07/10/25
"retirement" was FDR flaem to try to force bodies ...
multi-colored rehab
  07/10/25
No, boomers are entitled to a 30 year vacation and every sin...
zippy orchestra pit
  07/10/25
(Donald Trump) (Joe Biden) (Barack Obama) (George W. Bush) (...
multi-colored rehab
  07/10/25
(libs)(democrats)(poors)
cocky razzle-dazzle mad cow disease locale
  07/10/25
“I’m bitter, poor, and jewish”
Sticky thriller state
  07/10/25
...
tantric house-broken giraffe
  07/10/25
"Pension" was a concept for disabled military vets...
multi-colored rehab
  07/10/25
half the people in the country are from places normal americ...
Metal useless brakes wrinkle
  07/10/25
"I am not going to save/invest because I don't know whe...
High-end brilliant party of the first part range
  07/10/25
I'm old enough to remember a few places that still had pensi...
Adventurous stage
  07/10/25
in any sane country the government would be requiring employ...
Orange Boyish Lay Kitty
  07/10/25
target date funds suck, and proles would just take out 401k ...
pearly pervert affirmative action
  07/10/25
hear me out. we could prevent them from taking 401k loans.
Orange Boyish Lay Kitty
  07/10/25
they do suck, but they're better than booming away 95% of yo...
mildly autistic mind-boggling box office background story
  07/10/25
Forcing everyone to self-fund their own retirement savings r...
arousing cruel-hearted philosopher-king stage
  07/10/25
"risk sharing" is inefficient and code for needles...
Orange Boyish Lay Kitty
  07/10/25
You seem deeply stupid
arousing cruel-hearted philosopher-king stage
  07/10/25
Oh no, overinvestment and underconsumption! the exact proble...
Orange Boyish Lay Kitty
  07/10/25
yeah, if people only had over 40 years to plan ahead
cocky razzle-dazzle mad cow disease locale
  07/10/25
You're thinking about this entirely wrong. A person can of ...
arousing cruel-hearted philosopher-king stage
  07/10/25
not everyone is forced to plan ahead. that's why we have so ...
cocky razzle-dazzle mad cow disease locale
  07/10/25
No it doesn't. If somebody wants to guard against longevity...
racy hall toilet seat
  07/10/25
That’s what SS is.
Transparent dragon native
  07/10/25
in treasuries, not in stocks
Orange Boyish Lay Kitty
  07/10/25
Are you saying that proles should Buy High
Transparent dragon native
  07/10/25
it’s a vehicle for proles with poor self control
dark hideous location
  07/10/25
literal retard take, especially if someone has access to a 4...
mildly autistic mind-boggling box office background story
  07/10/25
sorry you can’t find better ways to invest your money ...
dark hideous location
  07/10/25
explain where your money is invested that's beating the s&am...
mildly autistic mind-boggling box office background story
  07/10/25
you’re making some incredible assumptions here good...
dark hideous location
  07/10/25
it was pretty bold of zurich to assume you have any money to...
peach deranged mood
  07/10/25
oh look the wagecucks are circling the wagons
dark hideous location
  07/10/25
refusing to answer a pointed question is circling the wagons...
peach deranged mood
  07/10/25
I’ve said it many times that there’s nothing bet...
dark hideous location
  07/10/25
got it, so i should just start a business with all my free t...
mildly autistic mind-boggling box office background story
  07/10/25
or be a wagecuck hoping that inflation doesnt destroy your w...
dark hideous location
  07/10/25
You’re sounding like sealclubber man. Step away from t...
mildly autistic mind-boggling box office background story
  07/10/25
the opposite, actually
High-end brilliant party of the first part range
  07/10/25
no, ur wrong. poors with no self-control all plow money into...
mildly autistic mind-boggling box office background story
  07/10/25
...
High-end brilliant party of the first part range
  07/10/25
...
peach deranged mood
  07/10/25
...
Garnet beady-eyed hell
  07/10/25
eliminating pensions and making fixed income uncompetitive w...
peach deranged mood
  07/10/25
No, but it is true that they were created to pass investment...
odious home fortuitous meteor
  07/10/25
Getting rid of 401ks doesn't necessarily mean that pensions ...
tantric house-broken giraffe
  07/10/25
...
cocky razzle-dazzle mad cow disease locale
  07/10/25
401ks make more sense than pensions. Remember, at its peak a...
cobalt swashbuckling cuckold legal warrant
  07/10/25
Both the 401(k) and the pension are legacies of a bygone era...
startling principal's office
  07/10/25
the conversation needs to be divided between pensions provid...
cocky razzle-dazzle mad cow disease locale
  07/10/25
Why did they never see a dime?
Mischievous Roast Beef
  07/11/25
At my first job, I had the option of either a traditional pe...
Dashing piazza sneaky criminal
  07/10/25
the mixed system the US has with forced savings via SS, plus...
slap-happy love of her life gaping
  07/11/25
Dumb take. Don’t force people to save. Make employers ...
startling principal's office
  07/11/25
stfu
slap-happy love of her life gaping
  07/11/25


Poast new message in this thread



Reply Favorite

Date: July 10th, 2025 11:06 AM
Author: maize friendly grandma church building

https://x.com/vladtheinflator/status/1942968358196084973?s=46

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089790)



Reply Favorite

Date: July 10th, 2025 11:11 AM
Author: Concupiscible set

They were created to be one of many small vehicles one could utilize to save for retirement.

They were never intended to be an absolute requirement to avoid eating dog food in your 80s, but it was advantageous for certain jews (who are NOT the same as the people who created 401ks btw) to have that be the case so here we are.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089809)



Reply Favorite

Date: July 10th, 2025 11:23 AM
Author: Transparent dragon native

The end result is that proles buy $78;000k trucks and contribute 0% or like 4% in order to get a match when they’d need to contribute 20% or whatever to match an old school private sector pension or modern public sector pension. They also Sell Low. So they are Bad irl imo. proles should contribute $20,000k/yr and drive $27k manual Ford Rangers

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089852)



Reply Favorite

Date: July 10th, 2025 11:25 AM
Author: High-end brilliant party of the first part range



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089863)



Reply Favorite

Date: July 10th, 2025 11:41 AM
Author: slap-happy love of her life gaping



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089916)



Reply Favorite

Date: July 10th, 2025 12:03 PM
Author: cocky razzle-dazzle mad cow disease locale

pensions were unsustainable trash

while i agree that there is a lot of truth to your take on the end result, that is function of people being stupid

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089973)



Reply Favorite

Date: July 10th, 2025 2:25 PM
Author: Transparent dragon native

A 401k is a “pension” you idiot. It’s The Same Thing.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090396)



Reply Favorite

Date: July 10th, 2025 3:09 PM
Author: racy hall toilet seat

No it's not. With a 401k/match, they give you the money and it's yours. Pensions are bad because it's way too easy for incumbents to promise sky high returns for minimal contributions, because by the time it becomes an issue they're gone. It's yet another thing boomers turned into a crisis.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090502)



Reply Favorite

Date: July 10th, 2025 3:42 PM
Author: cocky razzle-dazzle mad cow disease locale

oh? please explain the differences.

are any of those differences really significant?

durrr durrrr

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090565)



Reply Favorite

Date: July 10th, 2025 3:50 PM
Author: peach deranged mood

i'd like more sealclubber versus cowgod subthreads. you've got a smart guy pretending to be an idiot and an idiot pretending to be a smart guy, and they're both just sarcastically dishing out mysterious vague quasi-assertions.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090579)



Reply Favorite

Date: July 10th, 2025 2:57 PM
Author: Hyperactive Base Dog Poop



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090477)



Reply Favorite

Date: July 10th, 2025 11:25 AM
Author: zippy orchestra pit

twitter sucks because unless you heavily block and filter you see these dumb takes whenever you go on.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089862)



Reply Favorite

Date: July 10th, 2025 11:25 AM
Author: mildly autistic mind-boggling box office background story

where is his reasoning?

my wife and i each have roughly $1m in our accounts at ages 45 and 46. i'm focusing on getting to $1.2 - 1.5m in taxable accounts so i can go into semiretirement at around 49. we let the $2m in 401ks grow for another 20 years, it'll probably be 10-15m, likely on the higher end of that scale.

i guess most people can't retire because they are 52 and have $94k in their account, but the pension system is no better. didn't you generally have to work until like 62 under those systems anyway?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089864)



Reply Favorite

Date: July 10th, 2025 11:27 AM
Author: zippy orchestra pit

Yea I thought it required a full career and retirement in your sixties and the average lifespan was like 66 or 70. If he's referring to the modern pension system where cops can retire at 42 with full benefits for life thats not how the pension system really ever worked.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089878)



Reply Favorite

Date: July 10th, 2025 12:05 PM
Author: cocky razzle-dazzle mad cow disease locale

is this true? i thought pensions often were based on 20 or 25 year employment

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089976)



Reply Favorite

Date: July 10th, 2025 10:54 PM
Author: tantric house-broken giraffe

Why would a company give someone money for not working just because they worked there for 20 years?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092031)



Reply Favorite

Date: July 10th, 2025 11:30 AM
Author: maize friendly grandma church building

I think he’s talking about 95% of people and not the 5% who would have landed fat retirement packages anyway prior to 401ks

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089888)



Reply Favorite

Date: July 10th, 2025 11:44 AM
Author: Vermilion Confused Athletic Conference Office

retard take?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089924)



Reply Favorite

Date: July 10th, 2025 11:54 AM
Author: mildly autistic mind-boggling box office background story

Explain like I’m a trans woman Thai with her buttcheeks spread out in a cheap motel room

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089953)



Reply Favorite

Date: July 10th, 2025 11:57 AM
Author: arousing cruel-hearted philosopher-king stage

Just a chill 10% return every year for 20 years

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089959)



Reply Favorite

Date: July 10th, 2025 12:00 PM
Author: Garnet beady-eyed hell



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089963)



Reply Favorite

Date: July 10th, 2025 12:06 PM
Author: mildly autistic mind-boggling box office background story

yeah, totally unrealistic to expect that. past performance is not a guarantee of future results!

even at an average return of 8% over that horizon, the 2m is just under 10m at year 20. if you start living off that and withdrawing 35k a month (with 2% increases to withdrawals annually), your money continues growing. of course, this doesn't apply if the s&p decides to reverse its historical trend of 11% returns and starts returning like 5%. then i guess we are all in trouble.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089978)



Reply Favorite

Date: July 10th, 2025 3:26 PM
Author: Maroon Comical Business Firm Internal Respiration

Average returns going forward will be 2%, inflation 4%, and there will be wild 25% swings up and down every so often.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090535)



Reply Favorite

Date: July 10th, 2025 4:00 PM
Author: mildly autistic mind-boggling box office background story

cr, i'm going to plan on working until 70 now.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090594)



Reply Favorite

Date: July 10th, 2025 4:42 PM
Author: Maroon Comical Business Firm Internal Respiration

Before offing urself? If not, you need to work until 90 at an absolute minimum and go off ur aids meds

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090726)



Reply Favorite

Date: July 10th, 2025 11:29 AM
Author: aphrodisiac travel guidebook

The problem is that any system which requires people to act responsibly at scale for their own self interest is never going to work. There’s just no fucking way people are going to max out their 401k when they could instead buy an iPhone and a huge ass truck.

This is why I begrudgingly admit that social security is necessary to prevent olds from starving to death.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089885)



Reply Favorite

Date: July 10th, 2025 11:38 AM
Author: High-end brilliant party of the first part range



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089907)



Reply Favorite

Date: July 10th, 2025 11:47 AM
Author: Kink-friendly Cerebral Multi-billionaire



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089935)



Reply Favorite

Date: July 10th, 2025 12:02 PM
Author: unhinged gaming laptop brunch

why should we prevent olds from starving to death?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089967)



Reply Favorite

Date: July 10th, 2025 12:08 PM
Author: bateful bistre sandwich

Why wouldn't we actually encourage it to reinforce to everyone else not to be a fucking idiot?

The answer is that our entire consumption-based system would collapse if people spent responsibly, so we'll prop it up until we simply can't do it any longer

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089985)



Reply Favorite

Date: July 10th, 2025 1:41 PM
Author: Trip coiffed jap whorehouse

And then we'll just start releasing them to Elsewhere.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090251)



Reply Favorite

Date: July 10th, 2025 12:03 PM
Author: Pungent indian lodge



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089972)



Reply Favorite

Date: July 10th, 2025 12:04 PM
Author: Garnet beady-eyed hell



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089974)



Reply Favorite

Date: July 10th, 2025 12:06 PM
Author: cocky razzle-dazzle mad cow disease locale

then let them eat cake

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089977)



Reply Favorite

Date: July 10th, 2025 3:18 PM
Author: peach deranged mood

i love how so many shitcon's "conservative" government ideal is ruthless individualism where the government does nothing while olds die in the streets. you don't want to "conserve" traditional government, you want no government at all.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090524)



Reply Favorite

Date: July 10th, 2025 3:20 PM
Author: Orange Boyish Lay Kitty

except when people are being mean to jews in which case they want to abolish the 1A on college campuses and revoke harvard's accreditation

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090526)



Reply Favorite

Date: July 10th, 2025 3:23 PM
Author: peach deranged mood

then you have the based anti-israel people going apeshit over mamdani because he's muslim.

winning so big in 2024 has come with the bitter realization that we're just as factionalized and retarded as the left but just in different ways.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090530)



Reply Favorite

Date: July 10th, 2025 3:30 PM
Author: Orange Boyish Lay Kitty

but for the israeli and jewish cudgel and a dummy in the WH that does pretty much whatever they want conservatism or small government or foreign interventionism be damned are there even other prominent factions? people seem united on much else.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090542)



Reply Favorite

Date: July 10th, 2025 3:37 PM
Author: peach deranged mood

mmm perhaps not factions per se, as that would require coherent and consistent ideology. i guess moreso that we're just as ideologically malleable as the left with many contorting their opinions and positions based on whatever thing is of particular import to them.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090560)



Reply Favorite

Date: July 10th, 2025 4:02 PM
Author: cocky razzle-dazzle mad cow disease locale

what hysterical drivel

olds don't die in the streets

all consideration of government

except national defense

should begin with the premise that the less government, the better

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090599)



Reply Favorite

Date: July 10th, 2025 4:04 PM
Author: peach deranged mood

what compels you to write in such a

jarring and unreadable format

that no other person writes in

or has ever read before

so frequently

durr durr

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090609)



Reply Favorite

Date: July 10th, 2025 4:07 PM
Author: cocky razzle-dazzle mad cow disease locale

very good reply, faggeratttt. now try substance.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090613)



Reply Favorite

Date: July 10th, 2025 4:13 PM
Author: peach deranged mood

there's no reason to because you agreed with me in your last response.

"you don't want to "conserve" traditional government, you want no government at all."

"all consideration of government except national defense should begin with the premise that the less government, the better"

retard, if all consideration of government should begin with the premise that the less government the better then whatever government exists you'll want less than that i.e. you want no government ultimately.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090624)



Reply Favorite

Date: July 10th, 2025 4:17 PM
Author: mildly autistic mind-boggling box office background story

i know i'm repeating the very obvious at this point, but it's unreal how dumb this guy is

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090628)



Reply Favorite

Date: July 10th, 2025 4:42 PM
Author: cocky razzle-dazzle mad cow disease locale

you're a faggot, zurich. durr durr i hate jews!!

hitler came after your type, too

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090727)



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Date: July 10th, 2025 4:43 PM
Author: mildly autistic mind-boggling box office background story



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090729)



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Date: July 10th, 2025 4:43 PM
Author: cocky razzle-dazzle mad cow disease locale

i didn't agree with you, but if you want to suck a cock, zurich is around

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090732)



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Date: July 10th, 2025 4:50 PM
Author: peach deranged mood

so you request a substantive response, i give it, and you just say "wrong" without any argument why and then go on to cry about antisemitism and fantasize about degenerate sex acts? odd case this the playbook for midwit jews 100% of the time.

"you want no government"

"no, i just think whatever government exists there should be less."

"that inherently leads to no government if less is always better."

"wrong. zurich is an antisemite and you suck cock. later goys!"

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090756)



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Date: July 10th, 2025 5:17 PM
Author: cocky razzle-dazzle mad cow disease locale

"that inherently leads to no government if less is always better."

why you ended up at a ttt

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090812)



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Date: July 10th, 2025 5:59 PM
Author: peach deranged mood

if i have 100 government, and less is always better, so every day i remove 1 government, how much government will i have in 100 days?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090904)



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Date: July 10th, 2025 7:23 PM
Author: cocky razzle-dazzle mad cow disease locale

down goes another lsat point

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091310)



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Date: July 11th, 2025 12:30 AM
Author: tantric house-broken giraffe

Why don't these people just get jobs? They are far better at working than young people.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092259)



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Date: July 11th, 2025 7:31 AM
Author: tantric house-broken giraffe



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092457)



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Date: July 10th, 2025 3:10 PM
Author: peach deranged mood



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090505)



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Date: July 10th, 2025 11:39 AM
Author: multi-colored rehab

"retirement" was FDR flaem to try to force bodies out of the work force. It is literally a modern invention.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089910)



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Date: July 10th, 2025 11:43 AM
Author: zippy orchestra pit

No, boomers are entitled to a 30 year vacation and every single measure for end of life extension that is medically possible funded entirely by future generations who will be obligated to pay the money back

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089920)



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Date: July 10th, 2025 11:49 AM
Author: multi-colored rehab

(Donald Trump) (Joe Biden) (Barack Obama) (George W. Bush) (Bill Clinton)

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089938)



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Date: July 10th, 2025 12:07 PM
Author: cocky razzle-dazzle mad cow disease locale

(libs)(democrats)(poors)

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089982)



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Date: July 10th, 2025 11:59 AM
Author: Sticky thriller state

“I’m bitter, poor, and jewish”

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089962)



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Date: July 10th, 2025 5:17 PM
Author: tantric house-broken giraffe



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090814)



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Date: July 10th, 2025 9:34 PM
Author: multi-colored rehab

"Pension" was a concept for disabled military vets. Because you couldn't work so they'd give you cash. Then FDR comes along and they invent Social Security to try to get you to "retire" at 65 to create jobs for younger people because the economy was ass. Then FDR put in wage control so you couldn't give real raises and companies instead gave you a "pension" to circumvent the wage controls. It's all complete and total flaem.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091825)



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Date: July 10th, 2025 11:45 AM
Author: Metal useless brakes wrinkle

half the people in the country are from places normal americans couldnt point out on a map.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089927)



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Date: July 10th, 2025 11:53 AM
Author: High-end brilliant party of the first part range

"I am not going to save/invest because I don't know where this mud that just walked past me and I will never see again is from!" bellowed the angry birdshit.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089949)



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Date: July 10th, 2025 1:16 PM
Author: Adventurous stage

I'm old enough to remember a few places that still had pensions when I was starting out.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090149)



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Date: July 10th, 2025 1:43 PM
Author: Orange Boyish Lay Kitty

in any sane country the government would be requiring employers to withhold a fixed percentage of an EE's salary and applying it to a target date 401k but MUH FREEDOMS require you to be poor and begging for government handouts at age 70 i guess

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090258)



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Date: July 10th, 2025 1:45 PM
Author: pearly pervert affirmative action

target date funds suck, and proles would just take out 401k loans anyways.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090268)



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Date: July 10th, 2025 1:47 PM
Author: Orange Boyish Lay Kitty

hear me out. we could prevent them from taking 401k loans.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090280)



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Date: July 10th, 2025 2:52 PM
Author: mildly autistic mind-boggling box office background story

they do suck, but they're better than booming away 95% of your earnings and winding up with 63k in retirement savings at 60 years old.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090466)



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Date: July 10th, 2025 1:57 PM
Author: arousing cruel-hearted philosopher-king stage

Forcing everyone to self-fund their own retirement savings results in inefficient over-investment and under-consumption. The issue is that if forces everyone to self-insure against longevity risk, which requires much, much more capital than risk sharing.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090303)



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Date: July 10th, 2025 2:04 PM
Author: Orange Boyish Lay Kitty

"risk sharing" is inefficient and code for needless bureaucracy and expense, whether that's pensions or ss

lol oh no, overinvestment! underconsumption!

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090331)



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Date: July 10th, 2025 2:29 PM
Author: arousing cruel-hearted philosopher-king stage

You seem deeply stupid

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090408)



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Date: July 10th, 2025 2:38 PM
Author: Orange Boyish Lay Kitty

Oh no, overinvestment and underconsumption! the exact problems we are trying to solve! lol, dummy

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090438)



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Date: July 10th, 2025 2:16 PM
Author: cocky razzle-dazzle mad cow disease locale

yeah, if people only had over 40 years to plan ahead

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090368)



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Date: July 10th, 2025 2:35 PM
Author: arousing cruel-hearted philosopher-king stage

You're thinking about this entirely wrong. A person can of course spend 40 years planning ahead and come out better off than most people (who do not plan ahead at all). If instead everyone is forced to "plan ahead" valuations skyrocket (because people are being forced to save, and have no choice but to buy into some investment) while fundamentals deteriorate because actual consumption is deferred. If everyone does that, they don't end up richer, they just end up owning a bunch of stocks with horrible P/E ratios. And if the answer is that it's OK because the next generation is also being forced to save, so they also have to buy the already inflated stocks at an even higher valuation, then great, you just made social security, except way more expensive.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090428)



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Date: July 10th, 2025 3:53 PM
Author: cocky razzle-dazzle mad cow disease locale

not everyone is forced to plan ahead. that's why we have so many fucking poors.

people who do plan ahead should be better off than those who don't

whenever you have people involving the government in social policies, they will fuck it up. it follows that the goals of social policy should focus on the bare minimum necessary to achieve the goal. people should be incentivized to achieve far more than the guaranteed minimum.

i agree with a point you are making which is why i was and remain against social security investing in or permitting beneficiaries to invest in the stock market. not entirely because of your point, but that is one of the reasons

it's not like there aren't many other options besides the stock market for people to invest in. and it's not like the stock market doesn't consist of stocks all over the world and in different markets or industries, etc

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090586)



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Date: July 10th, 2025 3:10 PM
Author: racy hall toilet seat

No it doesn't. If somebody wants to guard against longevity risk, the person can just buy a SPIA. It's much harder to sell a pension.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090506)



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Date: July 10th, 2025 2:35 PM
Author: Transparent dragon native

That’s what SS is.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090426)



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Date: July 10th, 2025 2:38 PM
Author: Orange Boyish Lay Kitty

in treasuries, not in stocks

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090436)



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Date: July 10th, 2025 2:47 PM
Author: Transparent dragon native

Are you saying that proles should Buy High

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090457)



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Date: July 10th, 2025 2:36 PM
Author: dark hideous location

it’s a vehicle for proles with poor self control

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090431)



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Date: July 10th, 2025 2:53 PM
Author: mildly autistic mind-boggling box office background story

literal retard take, especially if someone has access to a 401k roth option, which most people seem to have at this point.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090469)



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Date: July 10th, 2025 3:08 PM
Author: dark hideous location

sorry you can’t find better ways to invest your money bro

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090501)



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Date: July 10th, 2025 4:02 PM
Author: mildly autistic mind-boggling box office background story

explain where your money is invested that's beating the s&p over a 20-30 year time horizon. i'll forgo the tax benefits of a 401(k) for that.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090600)



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Date: July 10th, 2025 4:28 PM
Author: dark hideous location

you’re making some incredible assumptions here

good luck

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090674)



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Date: July 10th, 2025 4:30 PM
Author: peach deranged mood

it was pretty bold of zurich to assume you have any money to invest

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090681)



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Date: July 10th, 2025 4:32 PM
Author: dark hideous location

oh look the wagecucks are circling the wagons

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090689)



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Date: July 10th, 2025 4:53 PM
Author: peach deranged mood

refusing to answer a pointed question is circling the wagons retard. you always do this when someone tries to pin you down on a position.

you could just say what you believe to be a better investment vehicle. but you're terrified to be wrong online, so you just post adhoms and vague shit. it's consuela-tier.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090761)



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Date: July 10th, 2025 5:17 PM
Author: dark hideous location

I’ve said it many times that there’s nothing better than a business, and that having passive real estate that pays you (instead of the liability that is your primary home) is 180 as well

xo fags who do the same shit the middle class masses do just don’t like the answers

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090813)



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Date: July 10th, 2025 8:18 PM
Author: mildly autistic mind-boggling box office background story

got it, so i should just start a business with all my free time

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091534)



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Date: July 10th, 2025 8:25 PM
Author: dark hideous location

or be a wagecuck hoping that inflation doesnt destroy your wealth (it will)

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091566)



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Date: July 10th, 2025 8:39 PM
Author: mildly autistic mind-boggling box office background story

You’re sounding like sealclubber man. Step away from the computer for a little bit.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091614)



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Date: July 10th, 2025 3:30 PM
Author: High-end brilliant party of the first part range

the opposite, actually

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090543)



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Date: July 10th, 2025 4:02 PM
Author: mildly autistic mind-boggling box office background story

no, ur wrong. poors with no self-control all plow money into 401(k)s and have huge balances.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090602)



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Date: July 10th, 2025 5:00 PM
Author: High-end brilliant party of the first part range



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090771)



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Date: July 10th, 2025 5:01 PM
Author: peach deranged mood



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090773)



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Date: July 10th, 2025 5:20 PM
Author: Garnet beady-eyed hell



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090821)



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Date: July 10th, 2025 3:13 PM
Author: peach deranged mood

eliminating pensions and making fixed income uncompetitive with securities was a massive windfall for the wealthy as people have no choice to be invest in assets that inflate endlessly regardless of their actual value.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090514)



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Date: July 10th, 2025 3:14 PM
Author: odious home fortuitous meteor

No, but it is true that they were created to pass investment risk from the businesses to the employees.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090516)



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Date: July 10th, 2025 6:57 PM
Author: tantric house-broken giraffe

Getting rid of 401ks doesn't necessarily mean that pensions would come back. It is odd that employers are expected to contribute to either.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091196)



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Date: July 10th, 2025 11:23 PM
Author: cocky razzle-dazzle mad cow disease locale



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092136)



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Date: July 10th, 2025 9:37 PM
Author: cobalt swashbuckling cuckold legal warrant

401ks make more sense than pensions. Remember, at its peak apparently 40% of people were part of a pension plan - a huge umber of that probably never saw a dime. Many of those also went bust up even if they did qualify.

The US job market is much more fluid now so you need a much more fluid solution.

Plus, a pension basically would require you to put total trust in your corporate employer. Public companies are basically required to be evil. Any time you had a bad earnings call, an army of HR people would examine creative ways to fuck over employees and relieve the long term pension obligation.

It's a safer result for you and your employee to put your retirement money in your own account.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091834)



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Date: July 10th, 2025 11:12 PM
Author: startling principal's office

Both the 401(k) and the pension are legacies of a bygone era where employers sort of looked after employees for life. For the reasons you mention, there should be no employer retirement plans, and employers should just pay the money to employees and it’s up to the employees to figure out what to do with their money. Government can pass all of the tax benefits on to the individual taxpayers.

These convoluted mechanisms for retirement funding are not necessary and make it harder for regular folks to get what they earn and easier for business owners to pay themselves more in sheltered ways.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092096)



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Date: July 10th, 2025 11:28 PM
Author: cocky razzle-dazzle mad cow disease locale

the conversation needs to be divided between pensions provided by

private companies

local municipalities

states, and

federal

and perhaps more divisions are worth discussing

all of the above have important differences

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092151)



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Date: July 11th, 2025 11:25 AM
Author: Mischievous Roast Beef

Why did they never see a dime?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092866)



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Date: July 10th, 2025 9:57 PM
Author: Dashing piazza sneaky criminal

At my first job, I had the option of either a traditional pension or having my employer contribute the money that would have gone into the pension fund into a 401k-type plan. I ran the numbers, and even if I assumed extremely conservative stock market returns, if I contributed to the 401k plan until the vesting date for the pension and immediately converted it into an immediate annuity, I would end up with a monthly benefit that was far greater than the monthly pension benefit.

TLDR: Pensions are flame. The only benefit of a pension is that it prevents you from contributing 0% to your 401k and buying an $80k truck instead. If you are a non-stupid investor, you will end up with far more money in retirement if you contribute to a 401k.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091877)



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Date: July 11th, 2025 9:18 AM
Author: slap-happy love of her life gaping

the mixed system the US has with forced savings via SS, plus additional 401k savings you can do yourself, seems like a decent compromise. doing one or the other entirely both have huge pitfalls. most people are retarded and simply wont save if you dont Force them to, but pensions blow up and slash benefits all the time

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092618)



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Date: July 11th, 2025 11:24 AM
Author: startling principal's office

Dumb take. Don’t force people to save. Make employers pay them and then they’re on their own in old age. Pensions and retirement culture is a profound disease. Nobody should retire. If you’re disabled and can’t work that’s one thing, but nobody should be allowed to just stop working because they’re angry or sad or just can’t hack it. Get back in.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092864)



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Date: July 11th, 2025 11:37 AM
Author: slap-happy love of her life gaping

stfu

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092894)