The 4% rule doesn’t actually work? (esp for FIRE)

THANK YOU. A person who can math!

The FIRE thing is mostly a gimmick for Boomers to con Millennials into slave living away their youth while inflating the stocks they rely on to retire themselves. Any Get Rich Quick or Easy Money scheme in the MSM is bullshit.

You’re being sold a lie.

Most people (by IQ, income, medical status) can’t do it. If the barrier to entry is nil, it’s a scam.

Let them suffer. Let the innumerates suffer. Enjoy their decline.

Sloth is a deadly vice and they always pay eventually.

I love it when the “when am I ever gonna use algebra?” idiots end up financially screwing themselves with something like FIRE. Assumptions make an ass of you, a starving ass who wasted your youth on a Boomer promise. The MSM is run by the worst kind of Boomer. Gen Y and Z are now the prime fresh meat targets.

Just one income stream is fucking retarded. I don’t care who you think you are.

If you’ll pardon my french.
Retiring to an inflated Asian market especially (full of race cucking Boomers who’ll soon die while you plan to live there, lowering market demand) is among the dumbest things an American can do. You are American, you already won the global citizenship prize and your options are like clipping your wings to live in most of Asia. Now, maybe Japan would be nice. Maybe. But I only know one person who did that, and it’s rural Japan. Otherwise, enjoy your slice of that pandemic action.

For one, they assume they can liquidate at market or above, among foreigners who hate them and it would be easy to settle back in America.


Historically, once you’re out of America, you stay out.
They’ll be priced out in the interim period and all the costs to reconnect them in the system would eat into their supposed savings.

They also won’t get a safety net from being out of the country for years, should their Cunning Plan fail.

They’ll be treated like a refugee… except less black, so worse.

It’d be better to live cheaply in Italy like Vox Day. Same race so safe, some security net, low pandemic risk, rural area quite safe. Pretty much everywhere is better than Asia, including S. America. Personally, I’d rather move to Brazil (a white area) where the multiculturalism means I could blend in, as opposed to sticking out as dangerously foreign everywhere I go in a homogeneous area – even if there’s a war on. They’re not long range planners, most of the chucklefucks doing this.

I still hope as many of them leave the West as possible. The trash can take out itself.

It’d be an excellent way to get rid of lazy people who’d later burden our system anyway.

Purge the r-type, I don’t care if they claim they’re white. Third World work ethic? Stay there plz.

It’s probable America would bar them from re-entry, especially if they expected welfare without having paid into the system for years.

Pension “scheme”

http://www.telegraph.co.uk/news/politics/georgeosborne/12179375/Work-until-youre-75-or-even-81-under-Government-review-of-state-pension-age.html

75-81

and that’s what they’re saying now

keep paying 10% of your wages into a “workplace pension”, muggins!

even loss of purchasing power by inflation is better than nothing

Average male UK lifespan 74

Female about 83 last I checked

https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php

Video: The 401kon

That would make an excellent book title.

Wise Boomer. They hated him because he told the truth.

I like being able to praise the salty Boomers who hate hippies too.

The implosion of smug socialist desk jockey’s “pension pot” will bring joy to both our hearts.

No such thing as blue chip, crybabies.

The collusion of Gov and Biz alone should be a NOOOOOPE, HELL NO.

Here we have an application of one of my rules of life:

If a socialist encourages you to do it, it’s probably bad for you.

With the central bank pressure, multicultural societies are being changed into Third World countries, by living standard. Chug your cockroach ‘milk’ and eat your vegetable oil ‘burger’. They’ve been selling you ‘junk food’, called as much, for years and you’ll eat this too. Hey, if you wanted a melting pot, don’t taste it – that’s shit soup. Put whatever else you want in there, you’ll still only taste the shit.

Libertarians, try tasting your own soup, son!

They planned 50s spending habits forever – with 50s families, and 50s national IQ, and 50s infrastructure… bubble of everything indeed. Do you really think the Coca Cola of now is worth so much more than in 1952?

Fun fact: on the insurance forms, this LA climate thing will be legally recorded as an Act of God.

Slow slide into Communism

https://www.thesun.co.uk/money/6635715/over-40s-tax-how-would-social-care-premium-work-retired-people-pay/
No, all adults should pay it.
All adults are aging.
Not fair. Not equal.

40 is the weirdest cut-off.
Young Communists should pay too!*

Most on meds are young people on psych meds!

(Who wants to tell Gen Y they won’t retire and it isn’t a legal right?)*

If only we had a glorious National Health system!

Right?

A National Insurance system?

Single insurance, much cheaper, like quality-topping France, would be such a burden compared to all these taxes, right?

And the admin cash, lost forever.

Why don’t they force you to pick a position on the wings in your census and that corresponds to how much tax you have to pay (and it’s public info).

The calculation is simple – do you believe you could invest in yourself better than the Government?

Morally flawless, easy to implement and no excess admin.

The solution to Big Pensions – angels of death

http://www.breitbart.com/london/2018/04/20/dutch-probe-appalling-euthanasia-dementia-patient/

Angels of death are a special type of serial killer that operate in a medical setting and pretend it’s an act of mercy.

Dementia has no solid definition, by the way. Regular eccentricity is counted.

So one day, if you’re a burden on the State, they might drug your coffee.

To hold you down for the lethal injection.

But if you suggest the death penalty for gang rapists, that’s just evil.

After “living cadavers” and organ donation, you should’ve seen this coming.
Statism always ends up in a vast body count, it feeds off human beings.

Why Big Pensions kill societies

http://anepigone.blogspot.co.uk/2005/10/numbers-game-is-life-or-death.html

Of all the welfare, it’s the biggest and most undeserved chunk.

Unlike a child, they could work.

Unlike a child, they could have saved.

Unlike a child, they demand non-relatives with no control over their existence to slave for them.

It is impossible to continue a society with any prosperity while the old votes themselves in the lifeblood of the young. There should be a sane limit on all pensions so we can’t fund them out of debt, at least. We talk about genocide and this is a genocidal condition – its effect literally suppresses the birth rate.

Gen Y cannot afford to have children, look around.

Gen Y cannot afford to get married either, which ought to come first.

Gen Y can barely even afford to move out. These are facts.

There has been too much inter-generational theft – sorry – wealth transfer. It’s ageist. They don’t deserve all kinds of free shit because they survived a certain number of solar cycles.

The elderly now are the most spoiled in history. It shows.

No generation before had the luxuries they do. Still, they want more.

Nobody after will enjoy the same either. A huge shift of redpilling in the young as they figure this out.

Softly, softly.

https://www.theguardian.com/world/2016/mar/07/generation-y-pay-price-baby-boomer-pensions

It killed Rome, it’s killing us. I think it’s absurd to expect someone else’s children should fund your dotage. It’s the most negative manifestation of nationalism. I am your neighbour, I owe you fuck-all because of that coincidence. An Englishman’s home is his castle, and we hate intruders (including relatives).

I will find it particularly sweet when the public sector workers don’t get paid by Daddy Government. Let the police blame the teachers, the teachers blame the unions, the unions blame the police. Let them at one another, all screaming LEECH. Let’s see how much they love their socialist whip hands then.

https://www.theguardian.com/membership/2017/jan/23/saving-retirement-pension-generation-old-age

https://www.standard.co.uk/lifestyle/london-life/is-this-why-millennials-arent-having-babies-a3288601.html

Quick question: Do you currently have over $245,000 (£180,000) in your bank account? That’s how much the U.S. Department of Agriculture projected it would cost a middle-income couple to raise a child to the age of 18 in 2013. For higher-income families, that cost ballooned to $455,000 (£330,000).

Might be?

And that’s ONE child. We aren’t even talking replacement.

I heard a very shrewd man say “marriage is for the rich” and he’s spot on.

Who made it so expensive to have kids?

The Boomers. Pressure on all things wedding, baby and schooling.
Oh, but the fertile nulliparous workers are being taxed to pay for other children’s food/shelter and schooling. We’re literally rewarding the stupid fuckers. Forcing us to barely get by and never save, as a generation. So you can’t borrow the money (it’ll go up) and you’re being leeched off and you can’t save.

Not to mention, if men choose to never propose, baby machine isn’t getting switched on. Ever. K-women need that security. The anti-natal propaganda has worked just fine on many of the dunces among men, who are literally committing genetic suicide but tell themselves it’s a good thing. They might as well self-castrate. Gods like Zeus weren’t revered for fucking around, if you actually read they were revered for their fertility – making lots of heirs.

When the Baby Boomers complain “their” pensions disappeared, we can all point and laugh. “Yep, that’s what you get when you genocide your own children.” We know many of the immigrant children are not being supported by working parents. So they will never support the pension system either.

It’s already happening. We in the West have done all the worst things possible – abortion, easy divorce, adultery, fornication with abortifacients (still counts) and medicine exclusively to keep the old and infirm a burden on the workers.

Now there’s a baby bust, apparently. Three generations in the making. Thanks, Sexual Revolution!

https://www.populationmatters.org/fewer-uk-births-deaths-2016/

https://www.zerohedge.com/news/2017-11-22/millennials-have-ushered-baby-bust-cycle

It just so happens to coincide with handing out birth control like Smarties.

Do the people pretending to care about population replacement want to restrict birth control, the way it was originally intended? To just married parents who didn’t want more? Nope, and those degenerate single people are part of the problem. Their ride on the gravy train will be over pretty soon too. Almost everything we fund presently is temporary, inc. STD and abortion clinics. So these things will correct in the coming years but it won’t be pretty. I’m just saying we take the bitter pill now (including my lot, that did nothing wrong but be born) instead of the fatal one later. That would be logical… so everyone fights me on this.

Selling our country (literally, the land) has priced out the fertile natives.

https://www.citylab.com/life/2018/02/a-fix-to-the-uk-housing-crunch-have-more-money/553574/

Yay, more genocide.

It’s impossible to push against more than one of these trends. They’re bigger than people.

Where are the kids meant to live? School catchment areas? I read about those recently for a friend and they’re a huge factor in pricing (basically the more white an area, the better the hospitals, schools etc, low crime). A premium for the rarity of living among one’s own. It never used to be expensive because it never used to be a rarity.

The fact you can get welfare to live in London, paid for by people who can’t afford to, floors me.

https://www.independent.co.uk/travel/news-and-advice/millennials-travelling-houses-cant-afford-property-prices-industry-experts-contiki-u-by-uniworld-g-a8090891.html

https://www.dailytelegraph.com.au/rendezview/ten-reasons-your-kid-cant-buy-a-house-and-why-youre-to-blame/news-story/725ee80a0d88754e299198e774ec95d5

The parents/grandparents would rather live in undeserved luxury than provide for the spawn they didn’t abort.

This world makes me sick.

These forces cannot continue much longer. It’s impossible to do the right thing.

The worst pressure amounting to white genocide comes from older white people. This is how Empires fall.

In a world where you can’t even sit down for an ice cream to calm down, even Ben & Jerry’s ice cream contains pesticides that reduce your fertility and the drinking water includes birth control. That is disgusting. Ban it on environmental grounds alone.