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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: vivacious public bath selfie (http://www.autoadmit.com/thread.php?thread_id=5790122&forum_id=2/#49376708) |
Date: October 26th, 2025 5:24 PM Author: razzle-dazzle greedy indian lodge 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: vivacious public bath selfie 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: Glittery Very Tactful Digit Ratio Mad Cow Disease 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: adventurous frum love of her life center (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: razzmatazz mexican whorehouse (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: Glittery Very Tactful Digit Ratio Mad Cow Disease (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: hairraiser ape property 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: rusted motley parlor haunted graveyard 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: razzle-dazzle greedy indian lodge 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: ...,;;...,;;...,..,.,;,.,;;,.,; 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: Elephantitus Polio 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: Milky kitchen ladyboy 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: vivacious public bath selfie 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: Milky kitchen ladyboy 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: mustard aggressive site boltzmann 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: outnumbered turquoise address alpha (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: azure exhilarant giraffe (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: provocative drab rigor 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: provocative drab rigor 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: Odious Church Building 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: vigorous hairless incel 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: outnumbered turquoise address alpha (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: provocative drab rigor 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: Free-loading roommate kitty cat 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: Milky kitchen ladyboy (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: Submissive amber pozpig 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: Milky kitchen ladyboy 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: provocative drab rigor 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: Odious Church Building 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: provocative drab rigor 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: scarlet sexy french chef 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: vivacious public bath selfie 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: Milky kitchen ladyboy (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: Hideous dysfunction laser beams 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: diverse home 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: vigorous hairless incel 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: arousing vengeful business firm water buffalo 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: razzle-dazzle greedy indian lodge 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: Hideous dysfunction laser beams 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: provocative drab rigor 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: vigorous hairless incel 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: provocative drab rigor 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: vigorous hairless incel 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: Odious Church Building 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: vigorous hairless incel 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: provocative drab rigor 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: confused bespoke school cafeteria (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: ...,;;...,;;...,..,.,;,.,;;,.,; 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: thriller genital piercing 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: vigorous hairless incel 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: Rose learning disabled stead 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: razzle-dazzle greedy indian lodge 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: vigorous hairless incel 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: Razzle glassy heaven 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: 180 violet corner (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: Rose learning disabled stead 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: razzle-dazzle greedy indian lodge 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: provocative drab rigor 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: Slimy marvelous elastic band pervert 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: Glittery Very Tactful Digit Ratio Mad Cow Disease 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: vigorous hairless incel 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: Glittery Very Tactful Digit Ratio Mad Cow Disease 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: vigorous hairless incel LOL
I made my own way, they can figure out theirs. |
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Date: October 27th, 2025 11:00 AM Author: Glittery Very Tactful Digit Ratio Mad Cow Disease 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: vigorous hairless incel 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: Leftism is a mental disease 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: yooper (πΊπΈ π΅π±) (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: sickened bipolar goal in life 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: vigorous hairless incel 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: sickened bipolar goal in life 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: vigorous hairless incel 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: Burgundy field new version 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: vivacious public bath selfie 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: ...,;;...,;;...,..,.,;,.,;;,.,; 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: Leftism is a mental disease 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: Rose learning disabled stead $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: cyan institution 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: Irradiated sick coffee pot meetinghouse (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: Rose learning disabled stead 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: 180 violet corner 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: Free-loading roommate kitty cat 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: at-the-ready curious dilemma headpube 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: provocative drab rigor 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: Free-loading roommate kitty cat 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: provocative drab rigor 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: misanthropic church sound barrier 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: Metal step-uncle's house 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: Burgundy field new version 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: vivacious public bath selfie (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: misanthropic church sound barrier 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: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,. 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: azure exhilarant giraffe 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: hairraiser ape property 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: October 27th, 2025 3:32 PM Author: diverse home 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: vivacious public bath selfie (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: place feels done (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: Obsidian kitty 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: vivacious public bath selfie 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: Ass Sunstein 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: ...,;;...,;;...,..,.,;,.,;;,.,; (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: .,.,,...,...,..,....,...,...,... 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: Elephantitus Polio 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: .,.,,...,...,..,....,...,...,... 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: Elephantitus Polio 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: .,.,,...,...,..,....,...,...,... 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: Darnell 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: .,.,,...,...,..,....,...,...,... 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: zarathustra 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: Elephantitus Polio 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: SneakersSO “ 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: .,.,,...,...,..,....,...,...,... (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: George Jetson 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: topaz stock car sandwich 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: vivacious public bath selfie (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: Leftism is a mental disease 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: .,.,.;;,;.,;:,:,,:,.,:,::,..;.,:,.:;.:.,;.:.,:.::, (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: ...,;;...,;;...,..,.,;,.,;;,.,; 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: Elephantitus Polio (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: MISO HORNY 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: OYT: Dinosaur Hunter ( ) "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: Ass Sunstein 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: Elephantitus Polio (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: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,. (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: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,. 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) |