Poll of the Day > Retirement

(+) Yeah! (+)

Retirement

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I max out my 457b, 403b, HSA, and IRA each year and put the rest in a taxable account with vanguard. Its at 70-30 American:international index funds. I wish my employer would let me do post-tax 403b contributions after hitting the 19k but no for our policy. Debating on going up to like 10% bonds.

Im investing about 5 years living expenses each year. Hope to retire in 30s but still do some small work thats more fulfilling, math tutor, guitar tutor, dog watcher, seasonal ski patrol.

I don't have an employee sponsored benefits plan, so I contribute max to my Roth IRA and then put aside twice that to a taxable vanguard account.

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I'll never retire.

401k, some investments, and hopefully some inheritance

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401K and IRAs.

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The company I work for is employee owned. I'm fully vested in our ESOP. It's grown like crazy in the last few years. I've only been there for 5 years and it's over $30,000. It's pretty much doubled every year.

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Im gonna wander off into the wilderness

let some animal eat me

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ive been paying with dividends from investments mostly

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Mead posted...

Im gonna wander off into the wilderness

let some animal eat me

Very kind of you:)

I plan on living in the wilderness and eating people who wander by.

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wolfy42 posted...

Very kind of you:)

I plan on living in the wilderness and eating people who wander by.

And I could film it and sell it online. IT HELPS ALL THREE OF US, SEE?

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Black_Crusher posted...

And I could film it and sell it online. IT HELPS ALL THREE OF US, SEE?

Yes.....Yes it does :)

*Disclaimer I consider filming to be wandering*

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I have some investments and savings, but, realistically:

CaptainStrong posted...

I'll never retire.

This.

https://i.imgur.com/Z2uQutG.jpg

Retirement is a long, steady road down decay to death. The cultures with the longest life expectancy tend to work the longest. There's an island in Japan where people live to 115 on average and they don't retire until maybe the last 2 or 3 years of their life. Meanwhile in the US, people often retire around 65, are invalids by their 80s, and dead by 90 if not sooner.

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Zeus posted...

Meanwhile in the US, people often retire around 65, are invalids by their 80s, and dead by 90 if not sooner.

C'mon Zeus, you're spoiling all the fun we're gonna have.

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I wonder what happens if you never even start working, would you live longer, or die sooner?

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blu posted...

I max out my 457b, 403b, HSA, and IRA each year and put the rest in a taxable account with vanguard. Its at 70-30 American:international index funds. I wish my employer would let me do post-tax 403b contributions after hitting the 19k but no for our policy. Debating on going up to like 10% bonds.

Im investing about 5 years living expenses each year. Hope to retire in 30s but still do some small work thats more fulfilling, math tutor, guitar tutor, dog watcher, seasonal ski patrol.

You have a plan!

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Ozmose posted...

The company I work for is employee owned. I'm fully vested in our ESOP. It's grown like crazy in the last few years. I've only been there for 5 years and it's over $30,000. It's pretty much doubled every year.

Sounds great!

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wolfy42 posted...

I wonder what happens if you never even start working, would you live longer, or die sooner?

Sooner, I should think. While it depends on circumstances, if they never worked due to a mental or physical disability, odds are their lifespan is already shorter. And if they live in low-income housing, they're at a higher risk of violent crime.

https://www.webmd.com/mental-health/news/20140523/mental-illness-linked-to-shortened-life-spans


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I'll probably die before retirement age. Which works, I guess. If I do, I won't have to worry about saving for it, I guess...

Zeus posted...

Sooner, I should think. While it depends on circumstances, if they never worked due to a mental or physical disability, odds are their lifespan is already shorter. And if they live in low-income housing, they're at a higher risk of violent crime.

What if they come from money, but also always took care of themselves. like eating proper and exercising and stuff?
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personal IRA.

i plan on dying by 75. most people this age have wayyy too many ailments to be happy and are better off dead.

figure now with corona virus impacting our long term health, the life expectancy # has to be much less

....and then the economy collapses, and your retirement plans won't be worth shite.

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I don't bother because it won't exist by the time I'm old enough. I don't even want to live that long in the first place.

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LinkPizza posted...

What if they come from money, but also always took care of themselves. like eating proper and exercising and stuff?

Still probably going to be shorter than somebody who works to the end.

teddy241 posted...

i plan on dying by 75. most people this age have wayyy too many ailments to be happy and are better off dead.

A lot of it depends on how well you take care of yourself. Most of the problems you can have at 75 you can have at 55 (or even 45) and you can go past 75 without having some of them.

Otherwise being alive is generally better than being dead.

teddy241 posted...

figure now with corona virus impacting our long term health, the life expectancy # has to be much less

It's a short blip in the span of human history.

Joker_X_II posted...

....and then the economy collapses, and your retirement plans won't be worth shite.

https://www.youtube.com/watch?v=1JITC1fo2HA

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Zeus posted...

Still probably going to be shorter than somebody who works to the end.

I wonder how much of that is because of mental stimulation. Work is one of the most socially and mentally stimulating things people have going for them. I believe I read a study the most optimal amount of work for mental health is 8 hours a week, and then the benefits drop off.

I have nothing. Probably won't be able to retire.

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