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Why don't more people retire early? 55 and under?
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Date: October 26th, 2025 5:23 PM Author: navy gunner stag film (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376708) |
Date: October 26th, 2025 5:24 PM Author: Diverse Toaster Sex Offender Retiring from your job is something you do when you’re 70-75 years old in my opinion. Who wants to be retired at 55? |
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Date: October 26th, 2025 5:28 PM Author: navy gunner stag film So, you enjoy life as a slave? (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376721) |
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Date: October 26th, 2025 9:33 PM Author: swashbuckling swollen school cafeteria Be the boss or owner so work is fun. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377466) |
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Date: October 26th, 2025 10:48 PM Author: cerebral stage (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377594) |
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Date: October 27th, 2025 12:17 AM Author: canary market (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377789) |
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Date: October 26th, 2025 9:32 PM Author: swashbuckling swollen school cafeteria (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377465) |
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Date: October 26th, 2025 5:27 PM Author: Hyperventilating spectacular site dysfunction many millennials have done this! (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376716) |
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Date: October 26th, 2025 5:30 PM Author: razzmatazz french chef I would gladly retire at 55 if I could afford it. We had kids younger and will be finished paying for college by then hopefully/presumably, but having to buy a house younger and pay for all the kid bullshit cost me easily 1M in net worth and probably more like 2.5M, just because we had to stretch to afford buying a house and two kids in day care in years where our investment portfolio would be 5+x bigger if we just maxed out 401k and bought the obvious plays I bought in much smaller quantities (eg AMZN, Apple, NVidia, BTC, etc.). My only hope to retire at 55 now is if my parents and in-laws leave way more inheritance than I’m expecting, which isn’t going to happen. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376728) |
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Date: October 26th, 2025 6:20 PM Author: Diverse Toaster Sex Offender I had 4 kids in the teens through ‘22. Best decision of my life. Can’t have new kids now. And kids really are what it’s all about, even though they make day to day living pretty stressful. I’d never trade a day with my kids for a day of “retirement.” Jfc, what a bad deal. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376953) |
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Date: October 28th, 2025 6:09 PM Author: Ruddy Cruise Ship Dragon lol (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382903) |
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Date: October 28th, 2025 6:10 PM Author: navy gunner stag film You trade a day with your kids every day you go to work. In retirement, you wouldn't trade anything, retard. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382908) |
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Date: October 26th, 2025 5:30 PM Author: Exciting Mustard Sanctuary retiring is a death sentence, one must work & continuously challenge oneself, push ones limits, in order to live (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376731) |
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Date: October 26th, 2025 5:32 PM Author: navy gunner stag film You sound jewish (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376732) |
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Date: October 26th, 2025 5:33 PM Author: Exciting Mustard Sanctuary enjoy dying young (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376733) |
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Date: October 26th, 2025 6:13 PM Author: thirsty hospital But what does that have to do with being employed at a job? (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376930) |
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Date: October 26th, 2025 6:28 PM Author: Provocative bawdyhouse (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376980) |
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Date: October 26th, 2025 10:24 PM Author: Judgmental Milky Menage Incel (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377559) |
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Date: October 26th, 2025 11:07 PM Author: Alcoholic wrinkle elastic band then why doesn't RSF at least have an autoimmune disease or something (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377632) |
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Date: October 26th, 2025 11:09 PM Author: Alcoholic wrinkle elastic band also ime if the job would actually be interesting or a challenge, you never get it anyway. People want you to do the Same Thing over and over again. The most surefire way to challenge yourself is to challenge yourself. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377641) |
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Date: October 26th, 2025 11:23 PM Author: transparent clown field retiring young to me doesn't mean ceasing to be a part of society. it means no longer spending my time doing things i don't like in pursuit of the acuisition of money.
there are already a few organizations/projects i'm part of that i could devote all my time to and feel good about it if i didn't care about how much money those efforts produced.
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Date: October 26th, 2025 11:26 PM Author: Nudist resort Same (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377691) |
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Date: October 26th, 2025 11:32 PM Author: Provocative bawdyhouse (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377702) |
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Date: October 26th, 2025 11:33 PM Author: Alcoholic wrinkle elastic band Are you involved with Doom 32X Resurrection (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377703) |
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Date: October 27th, 2025 12:10 AM Author: autistic slimy garrison It's really not the same kind of pressure imo and that pressure is needed for longevity. And not longevity in the sense of growing old or being remembered for a long time but more in the personal sense of staying sharp (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377776) |
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Date: October 27th, 2025 12:12 AM Author: Exciting Mustard Sanctuary (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377779) |
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Date: October 28th, 2025 12:17 AM Author: Mewling Frisky Blood Rage Meetinghouse why would you want longevity if it's filled by pressure?
that is some serious cope
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Date: October 27th, 2025 12:13 AM Author: Exciting Mustard Sanctuary people who retire and focus on hobbies turn to mush, sorry. being regularly challenged is often quite unpleasant and people will generally adjust their lives to not be challenged if they can afford to do so (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377780) |
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Date: October 27th, 2025 8:02 AM Author: Alcoholic wrinkle elastic band For example? Is there a long blog poast on this? (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378193) |
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Date: October 27th, 2025 8:38 AM Author: transparent clown field I’m not talking about hobbies. Sure, I’d play more music and take more bike rides but that wouldn’t take up all my time. An example would be a director for some organization that isn’t profit focused. Roles would include marketing, planning, budgeting, training etc.
You’re telling me that would be worse for my mind than litigating? |
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Date: October 27th, 2025 9:21 AM Author: Alcoholic wrinkle elastic band For me — Litigating fills my bank account, but Film fills my soul. I have been engaged with a non-profit focusing on the latter fwiw. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378328) |
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Date: October 26th, 2025 5:38 PM Author: Disrespectful Brunch Hominid Retire to do what? I have enough money and tried just doing nothing. It's really boring.
IMO a man needs to be building stuff and growing in order to be healthy and happy. |
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Date: October 26th, 2025 5:40 PM Author: navy gunner stag film Do you have no interests or hobbies? (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376761) |
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Date: October 26th, 2025 5:40 PM Author: Exciting Mustard Sanctuary (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376765) |
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Date: October 26th, 2025 6:27 PM Author: vivacious sexy prole den Just tending to a big yard and home maintenance and remodeling etc can take a ton of time if u have a big house (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376979) |
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Date: October 26th, 2025 9:30 PM Author: curious indecent main people address most of the retired people nearby do this and it's their entire life - very depressing (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377457) |
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Date: October 26th, 2025 5:38 PM Author: Nudist resort I'll be retiring at 53. Only 6 more months of working. I know I'm in a fortunate position, but I understand why most are unable to retire. If healthcare were more reasonably priced, I think a lot more people would pursue this option.
I am already making retirement plans and goals. Once the kids are out of the house in a couple years, we're going to hike the Camino, and sail around the Caribbean, make a trip to Antarctica (the only continent I haven't been to). Lots of plans on the bucket list. We want to do a lot of travel while we're still young enough and physically capable. |
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Date: October 26th, 2025 5:39 PM Author: slippery sooty church organic girlfriend 180 (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376758) |
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Date: October 26th, 2025 6:21 PM Author: Diverse Toaster Sex Offender Sounds very Tommy Turdskinesque (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376954) |
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Date: October 26th, 2025 6:28 PM Author: vivacious sexy prole den healthcare is reasonably priced if you can game your income to maximize Oniggercare subsidies (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376981) |
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Date: October 26th, 2025 11:11 PM Author: Alcoholic wrinkle elastic band he's scamming the taxpayer with military disability. no hiding that. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377646) |
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Date: October 26th, 2025 11:17 PM Author: Nudist resort Maybe our legislature shouldn’t pass such stupid laws like the Pact Act. I didn’t scam anything. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377662) |
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Date: October 26th, 2025 11:20 PM Author: Alcoholic wrinkle elastic band Yes you did you Gen Xer. You know it's your destiny to be poor af. Any other outcome MUST be scamming, because you're Gen X. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377671) |
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Date: October 26th, 2025 11:26 PM Author: Nudist resort Oh. This is Cowgod. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377689) |
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Date: October 26th, 2025 11:33 PM Author: transparent clown field literally every military vet has some level of disability pension. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377704) |
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Date: October 26th, 2025 11:35 PM Author: Nudist resort I never even applied for them for 27 years after I got out. It never crossed my mind until I stumbled across an article about the Pact Act. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377710) |
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Date: October 27th, 2025 7:48 AM Author: Alcoholic wrinkle elastic band You didnt stumble upon it. A poaster sent it to you iirc. You should be paying rach’s Hosting Fees imo. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378181) |
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Date: October 26th, 2025 11:29 PM Author: greedy travel guidebook (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377696) |
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Date: October 28th, 2025 6:13 PM Author: Ruddy Cruise Ship Dragon 180 (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382913) |
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Date: October 26th, 2025 5:40 PM Author: Electric abode My sample size is small but I have not ever seen this work out well.
TBH I think that people with the drive to amass enough money to retire early are precisely the sorts of people that should continue working later. |
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Date: October 26th, 2025 5:48 PM Author: Nudist resort Most of the early retirees I know are living quite well. I golf and fish with a few guys in their early to mid fifties. None of them live extravagantly, but they all seem enriched by their travel and passions. I do know a couple of burnouts that just collect disability and smoke pot all day every day, but they don't seem unhappy.
My doctor friend is actually fulfilled by work and enjoys operating on people. He says he will work until he is unable. He does travel extensively for a few months each year though. |
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Date: October 26th, 2025 5:56 PM Author: bronze karate rehab People who live where you do presumably mostly choose to be there. It’s pretty self-selective. Not the case for the rat race hellholes where a lot of us find ourselves.
I dream of getting off the rollercoaster at some point. |
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Date: October 26th, 2025 6:22 PM Author: Diverse Toaster Sex Offender I know you live in Alaska, but traveling is really, really stupid for the most part. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376959) |
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Date: October 26th, 2025 11:13 PM Author: Nudist resort I should say vacationing. I’m not much of a “traveler” per se, but I really really enjoy vacationing. Yes, there’s a difference. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377654) |
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Date: October 27th, 2025 12:15 AM Author: Odious fuchsia parlour alaska is a great home base for int'l travel. it's in the middle of everything. 6-7 hours or less in any direction and you can be in all kinds of places. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377785) |
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Date: October 27th, 2025 8:42 AM Author: Bespoke yarmulke haunted graveyard (Guy regularly hopping on the nonstop from Fairbanks to Guangzhou) (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378244) |
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Date: October 26th, 2025 5:54 PM Author: bronze karate rehab It’s pretty simple:
People who get in the position to do this are, generally, slaves and know no other life. They have no hobbies, no friends who aren’t professional contacts, etc.
Lots of bros can’t stand their wives and kids or vice-versa.
Mid-50s are often highest-earning years, so it’s easy to slippery slope.
Also tend to have a lot of $$$ demands at that time in life. Sweet little daughters need someone to pay for NYU plus East Village apartment, oh and they need $5k/month for the next 5-10 years while they fuck through the city until they get married. |
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Date: October 26th, 2025 6:23 PM Author: Diverse Toaster Sex Offender Cr. There is a payroll to think about. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49376961) |
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Date: October 26th, 2025 11:12 PM Author: Alcoholic wrinkle elastic band Mid-50s were high earning years in like 2010. Now it's Gen X so they're low-earning years. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377651) |
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Date: October 26th, 2025 9:23 PM Author: Razzle Cumskin Water Buffalo Aren't the numbers pretty brutal?
Assuming at 55 you have $2 mm saved, if you retire at 55 you'll have about $2 mm at 65, whereas if you work, you'll have like $5-6 mm saved? |
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Date: October 26th, 2025 10:37 PM Author: swashbuckling swollen school cafeteria People who retire early hate their kids. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377576) |
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Date: October 26th, 2025 11:05 PM Author: Nudist resort How so? (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377623) |
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Date: October 26th, 2025 11:21 PM Author: swashbuckling swollen school cafeteria You should be stacking money in your 60s and 70s so your kids can inherit it. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377673) |
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Date: October 26th, 2025 11:27 PM Author: Nudist resort LOL
I made my own way, they can figure out theirs. |
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Date: October 27th, 2025 11:00 AM Author: swashbuckling swollen school cafeteria Keep booming dirte. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378537) |
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Date: October 26th, 2025 11:11 PM Author: Nudist resort I’m kind of in a unique situation. NW of roughly 5 mm depending on how you value pensions. We have no debt whatsoever, and will have to survive on 16-17K per month in retirement. Once we start getting social security, we’ll be around 20-22K per month. We have free healthcare through the VA and my kids basically get free college. Yes, I think the VA overcompensates me, but I’m not going to turn it down.
I hate my job, fat fiancée hates her job. There are so many things I’d rather do than work. |
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Date: October 28th, 2025 6:09 PM Author: claret lodge brother you are living the dream except you should have found a hot Ukrainian teenager (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382905) |
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Date: November 1st, 2025 5:26 PM Author: Unholy casino (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49393526) |
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Date: October 26th, 2025 10:44 PM Author: Histrionic Stock Car i'm going to retire early with $10 million or so. even doing nothing sounds better than more biglaw at that point (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377585) |
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Date: October 26th, 2025 11:16 PM Author: Nudist resort I’ll never understand the mindset of people who live to work. People who are defined by their job are the saddest people in the world imo (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377660) |
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Date: October 26th, 2025 11:21 PM Author: Histrionic Stock Car i'm not opposed to a richly rewarding, challenging but flexible job that doesn't monopolize my time and attention, but come on, let's be realistic (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377675) |
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Date: October 26th, 2025 11:29 PM Author: Nudist resort I’m done making rich men richer. It’s mai tais and margaritas on the beach from here on out. I’m done being challenged and my work has never been rewarding. I purposely chose the highest paying job, with the least amount of effort along with the most time off I could find. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377695) |
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Date: October 27th, 2025 3:30 PM Author: Cobalt Temple Legend Which is what? (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49379486) |
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Date: October 28th, 2025 12:06 AM Author: navy gunner stag film He does something on oil rigs (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49381185) |
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Date: October 28th, 2025 6:17 PM Author: Ruddy Cruise Ship Dragon sex with men (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382923) |
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Date: October 28th, 2025 7:16 PM Author: claret lodge I'll never understand people who wait to retire once they have even 10 million. Working is a waste of your life unless you are truly exceptional like Musk, Jobs, or fucking Van Gogh or something. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49383095) |
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Date: October 26th, 2025 11:55 PM Author: bronze karate rehab $10m liquid or are you including, eg, $4m in Bay Area home equity?
What age will this be for you?
I got off biglaw treadmill for a while but am back on it (and remember why I got off it at one point). |
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Date: October 26th, 2025 11:26 PM Author: Ebony fat ankles Most people in my field medicine don't have any inter3sts and feel themselves useful if they work while their fat wife goes shopping. Once they stop work it will be apparent they have no life. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377687) |
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Date: October 26th, 2025 11:31 PM Author: maroon background story (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377701) |
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Date: October 26th, 2025 11:56 PM Author: bronze karate rehab I think this is fairly common in high-achiever circles. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377748) |
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Date: October 27th, 2025 8:45 AM Author: Bespoke yarmulke haunted graveyard i see way more high achievers seriously pursuing a hobby than standard yuppie types (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378247) |
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Date: October 27th, 2025 12:04 AM Author: autistic slimy garrison I retired around 35. But I still ended up working here and these because life is pretty boring and pointless once you have it all. This kind of thing is something that's hard to come to and accept that why you see people like rsf who are useless and impactless. Not sure if I can truly explain it better. It's something you really have to experience before it can make any sense. Why else would people like Elon musk or a Rothschild continue working. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377765) |
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Date: October 27th, 2025 12:21 AM Author: Laughsome center CR. I’m a tenured law prof and sometimes get sabbaticals or grants that let me travel or do virtually nothing for 6 months to a year. It’s fun for a while, but honestly gets boring after a bit. I'm always eager to return to teaching and publishing. Think I’ll keep doing this until I’m 70. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49377794) |
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Date: October 27th, 2025 7:55 AM Author: Alcoholic wrinkle elastic band What about your Backlog? Thus gives you time to work on your Backlog. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378187) |
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Date: October 27th, 2025 9:04 AM Author: autistic slimy garrison video games arent actually that fun when you can play them 24/7 (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378290) |
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Date: October 27th, 2025 11:08 AM Author: Alcoholic wrinkle elastic band But this is the only way to reduce your Backlog. And tell that to WoW players and CoD Scum. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378557) |
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Date: October 27th, 2025 7:53 AM Author: aromatic library I have 4 kids. They go to Jewish Day Schools. The tuition is $40k per kid. I need to pay for 12 years of this for each kid. LJL at retiring. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378184) |
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Date: October 27th, 2025 9:29 AM Author: Chestnut rebellious puppy son of senegal Tell us about the discounts you negotiated (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378339) |
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Date: October 27th, 2025 3:30 PM Author: Cobalt Temple Legend Sounds like an "Are Reptile is stupid" problem. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49379481) |
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Date: October 28th, 2025 12:06 AM Author: navy gunner stag film (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49381184) |
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Date: October 28th, 2025 9:38 AM Author: aromatic library 30% of the kids at the high school end up at an Ivy or equivalent. Public school is like playing the lotto with your kids’ lives. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49381631) |
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Date: October 29th, 2025 6:46 PM Author: Cobalt Temple Legend I went to a public school and went to a T14 LS on a scholarship. My HHI is like $800k/year.
30% chance of going to Cornell isn't worth $40k/year/kid. Also, as a thought exercise: $40k/year x 12 + 70k/year x 4 = $760k. That's BEFORE grad school. You could basically send your kid to UF, buy your kid a business, have them run it, then use that to get into a top MBA program or whatever, or just have them keep expanding their business and have a few hundred k left over so they can get a downpayment for a house for each kid. That's for each kid. |
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Date: October 28th, 2025 12:18 AM Author: Judgmental Milky Menage Incel Good goy (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49381201) |
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Date: October 27th, 2025 12:40 PM Author: Hyperventilating spectacular site dysfunction if i could walk a few blocks and work with friends i would do it til i was dead but ljl @ driving to some bs "job" and being around shrews and boomers and immigrants doing power point presentations. its even worse if you do blue collar work. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49378887) |
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Date: November 11th, 2025 12:53 PM Author: Ass Sunstein (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49420533) |
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Date: October 27th, 2025 3:32 PM Author: curious indecent main people address they scrolled social media for 25 years and cant retire (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49379497) |
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Date: October 27th, 2025 11:43 PM Author: navy gunner stag film (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49381126) |
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Date: October 29th, 2025 5:54 PM Author: 180 office (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49385751) |
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Date: October 28th, 2025 1:14 AM Author: racy hall becky Health care costs will absolutely destroy you if you try to retire before you are eligible for Medicare. I have run the numbers, and health care costs would eat up almost half of my income until Medicare kicks in.
But to answer the question more broadly, most people are poor. The median household net worth in the U.S. is around $100k. For non-homeowners, it is about $10k. For most Americans, retirement before Social Security isn't an option. I have a net worth of around $2.5 million in my mid-40's and no kids, and I would struggle to make the numbers work if I retired at 55 (mainly due to health care costs, as discussed earlier). LJL at the typical American with no savings outside of home equity retiring early. |
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Date: October 28th, 2025 9:16 AM Author: navy gunner stag film You could clearly move abroad like TT, and have reasonable healthcare costs and live like a king. Why wouldn’t you? (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49381611) |
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Date: October 28th, 2025 6:05 PM Author: thirsty hospital You could just not buy health insurance. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382893) |
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Date: October 28th, 2025 6:21 PM Author: Ruddy Cruise Ship Dragon (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382938) |
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Date: October 28th, 2025 6:48 PM Author: racy hall becky And die penniless if I get in an accident or get sick. Not really worth the risk, in my opinion. Also, in my case, my wife takes a bunch of expensive medications, so I have to pay out the nose for those with or without insurance. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49383006) |
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Date: October 28th, 2025 7:03 PM Author: navy gunner stag film Weird! I've never seen such risk aversion on XO, but it's my first day. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49383067) |
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Date: October 28th, 2025 9:50 PM Author: racy hall becky Going without health insurance in your 50's or 60's while trying to retire early is just moronic. If you are in your 20's, then maybe, since you are likely to be both healthy and judgement-proof. But a 60-year-old FIREmo without health insurance is completely done here if they get cancer or get in a serious car accident or something. Decades of savings will be gone instantly, and you are back to wagecucking until you drop dead. No thank you. I'd rather just work for a couple more years until I can either afford insurance or am eligible for Medicare. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49383616) |
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Date: October 29th, 2025 1:36 AM Author: navy gunner stag film Just move to Thailand or something. Insurance is ridiculously cheap compared to the USA.
Either way, this is pussy mentality. |
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Date: October 29th, 2025 4:07 PM Author: racy hall becky That might be a viable strategy for you or boor or other xoxo autists, but normal people have friends and family and aren't willing to leave them on the other side of the planet just to be able to retire a few year earlier. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49385450) |
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Date: October 29th, 2025 4:17 PM Author: Shivering business firm a better approach is to buy bottom of the barrel insurance that provides some ultimate backstop to your max out of pocket. also many states don't put medical debt on credit reports. so you can simply ignore or refuse to pay providers.
if you're very well-capitialized, this is a good dirtbag strategy to get good treatment at low cost |
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Date: October 30th, 2025 3:38 PM Author: racy hall becky Even bottom of the barrel catastrophic coverage is super expensive for people in their 50's and 60's. And refusing to pay providers is super risky as a FIREmo. If they sue, you're fucked. Also, if you get cancer and need multiple rounds of radiation or chemo, at some point, they will stop giving you treatment if you don't pay your bills. The bottom line is that if you want to retire in the U.S. before Medicare kicks in, you need to budget a minimum of $20k per year (and probably more like $30k-$40k per year if you have any health problems) for health care expenses. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49388417) |
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Date: October 28th, 2025 7:23 PM Author: impressive ungodly therapy state it should be your goal to die before you need serious "health care"
lol @ spending your youth accumulating $$$ so you can afford to rot away as a cripple at 70 |
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Date: October 29th, 2025 1:35 AM Author: navy gunner stag film Actual psychopaths work as long as they are able. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49383938) |
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Date: October 29th, 2025 8:36 AM Author: Alcoholic wrinkle elastic band “ I have run the numbers, and health care costs would eat up almost half of my income until Medicare kicks in.”
Are you on dialysis |
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Date: October 29th, 2025 9:28 PM Author: racy hall becky (guy who has never looked at the price of individual health plans for someone aged 50+)
Premiums alone will run around $2,000 per month, and that gets you an out-of-pocket max of just under $20k per year. So you probably need to budget $30k-$40k per year just for health care costs until Medicare kicks in. You could spend less if you are healthy. (My wife unfortunately takes several expensive medications that run $1000+ per month.) But probably around $15k-$20k per year is an absolute lower bound unless you want to risk losing everything if you get cancer. |
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Date: October 29th, 2025 8:41 AM Author: Confused Exhilarant Psychic Hunting Ground Get on a health sharing plan like Christian healthcare ministries. Doesn’t cover preexisting but it’s like 500 a month (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49384238) |
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Date: October 28th, 2025 9:25 AM Author: carnelian property corn cake i'm about to part-time retire at 36 with $1.5m. just fucking lol at surrendering your few years on this earth to purel @ desk (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49381620) |
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Date: October 28th, 2025 9:26 AM Author: navy gunner stag film (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49381621) |
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Date: October 28th, 2025 6:08 PM Author: claret lodge I'm a decade older than you and I have about the same. I'd retire if I was single. I will retire as soon as I have enough to support my family without working. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382900) |
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Date: October 28th, 2025 7:12 PM Author: carnelian property corn cake (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49383086) |
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Date: October 28th, 2025 6:08 PM Author: Ruddy Cruise Ship Dragon Fear of the unknown and stupidity prevents early retire. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382902) |
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Date: October 28th, 2025 6:09 PM Author: navy gunner stag film (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49382904) |
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Date: October 29th, 2025 4:15 PM Author: Floppy location associate The huge Tangled mess of regulations and so forth ensure that the cost of living in America continues to increase all the time. Especially Healthcare.. and so that keeps people working. The only way to escape the machine is to move overseas to a cheap third world country (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49385468) |
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Date: October 29th, 2025 4:23 PM Author: Chocolate locale "The only way to escape the machine is to move overseas to a cheap third world country"
will you idiots drop this shit already. no one wants to live in a brown shithole. |
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Date: October 29th, 2025 9:23 PM Author: thirsty hospital You're living in one now. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49386297) |
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Date: October 29th, 2025 10:24 PM Author: navy gunner stag film (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49386478) |
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Date: November 1st, 2025 5:22 PM Author: Cobalt Temple Legend (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49393516) |
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Date: November 1st, 2025 5:23 PM Author: Cobalt Temple Legend Everything is expensive as shit and if you have a job you like then you don't retire. Eventually they'll fire you or your company will implode and you'll become "retired" because that's how shit works. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49393519) |
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Date: November 10th, 2025 6:41 PM Author: Watcher in the Woods 55 is the average age these days when homes get paid off. there's still a little bit of college debt to pay. plus the 100k truck. (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49418437) |
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Date: November 10th, 2025 10:30 PM Author: The Django ate muh baybeee TP (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2...#49419274) |