\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

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

https://x.com/vladtheinflator/status/1942968358196084973?s=4...
Fragrant flirting box office mood
  07/10/25
They were created to be one of many small vehicles one could...
Citrine swashbuckling legal warrant station
  07/10/25
The end result is that proles buy $78;000k trucks and contri...
Aphrodisiac jade shitlib locus
  07/10/25
...
cracking house ape
  07/10/25
...
effete masturbator garrison
  07/10/25
pensions were unsustainable trash while i agree that there ...
Judgmental Elastic Band
  07/10/25
A 401k is a “pension” you idiot. It’s The ...
Aphrodisiac jade shitlib locus
  07/10/25
No it's not. With a 401k/match, they give you the money and...
glassy talented base
  07/10/25
oh? please explain the differences. are any of those differ...
Judgmental Elastic Band
  07/10/25
i'd like more sealclubber versus cowgod subthreads. you've g...
ocher puppy
  07/10/25
...
Bull headed racy whorehouse
  07/10/25
twitter sucks because unless you heavily block and filter yo...
Adventurous roommate
  07/10/25
where is his reasoning? my wife and i each have roughly ...
ruddy field
  07/10/25
Yea I thought it required a full career and retirement in yo...
Adventurous roommate
  07/10/25
is this true? i thought pensions often were based on 20 or 2...
Judgmental Elastic Band
  07/10/25
Why would a company give someone money for not working just ...
Magenta odious nibblets
  07/10/25
I think he’s talking about 95% of people and not the 5...
Fragrant flirting box office mood
  07/10/25
retard take?
free-loading white coldplay fan
  07/10/25
Explain like I’m a trans woman Thai with her buttcheek...
ruddy field
  07/10/25
Just a chill 10% return every year for 20 years
Henna Twisted Patrolman
  07/10/25
...
boyish fantasy-prone indian lodge dingle berry
  07/10/25
yeah, totally unrealistic to expect that. past performance i...
ruddy field
  07/10/25
Average returns going forward will be 2%, inflation 4%, and ...
bistre point
  07/10/25
cr, i'm going to plan on working until 70 now.
ruddy field
  07/10/25
Before offing urself? If not, you need to work until 90 at a...
bistre point
  07/10/25
The problem is that any system which requires people to act ...
Irradiated outnumbered locale
  07/10/25
...
cracking house ape
  07/10/25
...
glittery up-to-no-good sneaky criminal codepig
  07/10/25
why should we prevent olds from starving to death?
Bat-shit-crazy aromatic casino
  07/10/25
Why wouldn't we actually encourage it to reinforce to everyo...
Dashing slippery pocket flask
  07/10/25
And then we'll just start releasing them to Elsewhere.
curious affirmative action
  07/10/25
...
transparent jap cuck
  07/10/25
...
boyish fantasy-prone indian lodge dingle berry
  07/10/25
then let them eat cake
Judgmental Elastic Band
  07/10/25
i love how so many shitcon's "conservative" govern...
ocher puppy
  07/10/25
except when people are being mean to jews in which case they...
khaki black woman
  07/10/25
then you have the based anti-israel people going apeshit ove...
ocher puppy
  07/10/25
but for the israeli and jewish cudgel and a dummy in the WH ...
khaki black woman
  07/10/25
mmm perhaps not factions per se, as that would require coher...
ocher puppy
  07/10/25
what hysterical drivel olds don't die in the streets all c...
Judgmental Elastic Band
  07/10/25
what compels you to write in such a jarring and unreadabl...
ocher puppy
  07/10/25
very good reply, faggeratttt. now try substance.
Judgmental Elastic Band
  07/10/25
there's no reason to because you agreed with me in your last...
ocher puppy
  07/10/25
i know i'm repeating the very obvious at this point, but it'...
ruddy field
  07/10/25
you're a faggot, zurich. durr durr i hate jews!! hitler cam...
Judgmental Elastic Band
  07/10/25
...
ruddy field
  07/10/25
i didn't agree with you, but if you want to suck a cock, zur...
Judgmental Elastic Band
  07/10/25
so you request a substantive response, i give it, and you ju...
ocher puppy
  07/10/25
"that inherently leads to no government if less is alwa...
Judgmental Elastic Band
  07/10/25
if i have 100 government, and less is always better, so ever...
ocher puppy
  07/10/25
down goes another lsat point
Judgmental Elastic Band
  07/10/25
Why don't these people just get jobs? They are far better at...
Magenta odious nibblets
  07/11/25
...
Magenta odious nibblets
  07/11/25
...
ocher puppy
  07/10/25
"retirement" was FDR flaem to try to force bodies ...
amber multi-colored antidepressant drug tattoo
  07/10/25
No, boomers are entitled to a 30 year vacation and every sin...
Adventurous roommate
  07/10/25
(Donald Trump) (Joe Biden) (Barack Obama) (George W. Bush) (...
amber multi-colored antidepressant drug tattoo
  07/10/25
(libs)(democrats)(poors)
Judgmental Elastic Band
  07/10/25
“I’m bitter, poor, and jewish”
bearded parlour
  07/10/25
...
Magenta odious nibblets
  07/10/25
"Pension" was a concept for disabled military vets...
amber multi-colored antidepressant drug tattoo
  07/10/25
half the people in the country are from places normal americ...
Excitant Fat Ankles Heaven
  07/10/25
"I am not going to save/invest because I don't know whe...
cracking house ape
  07/10/25
I'm old enough to remember a few places that still had pensi...
hairless foreskin
  07/10/25
in any sane country the government would be requiring employ...
khaki black woman
  07/10/25
target date funds suck, and proles would just take out 401k ...
concupiscible internet-worthy old irish cottage
  07/10/25
hear me out. we could prevent them from taking 401k loans.
khaki black woman
  07/10/25
they do suck, but they're better than booming away 95% of yo...
ruddy field
  07/10/25
Forcing everyone to self-fund their own retirement savings r...
Henna Twisted Patrolman
  07/10/25
"risk sharing" is inefficient and code for needles...
khaki black woman
  07/10/25
You seem deeply stupid
Henna Twisted Patrolman
  07/10/25
Oh no, overinvestment and underconsumption! the exact proble...
khaki black woman
  07/10/25
yeah, if people only had over 40 years to plan ahead
Judgmental Elastic Band
  07/10/25
You're thinking about this entirely wrong. A person can of ...
Henna Twisted Patrolman
  07/10/25
not everyone is forced to plan ahead. that's why we have so ...
Judgmental Elastic Band
  07/10/25
No it doesn't. If somebody wants to guard against longevity...
glassy talented base
  07/10/25
That’s what SS is.
Aphrodisiac jade shitlib locus
  07/10/25
in treasuries, not in stocks
khaki black woman
  07/10/25
Are you saying that proles should Buy High
Aphrodisiac jade shitlib locus
  07/10/25
it’s a vehicle for proles with poor self control
Embarrassed to the bone talking newt
  07/10/25
literal retard take, especially if someone has access to a 4...
ruddy field
  07/10/25
sorry you can’t find better ways to invest your money ...
Embarrassed to the bone talking newt
  07/10/25
explain where your money is invested that's beating the s&am...
ruddy field
  07/10/25
you’re making some incredible assumptions here good...
Embarrassed to the bone talking newt
  07/10/25
it was pretty bold of zurich to assume you have any money to...
ocher puppy
  07/10/25
oh look the wagecucks are circling the wagons
Embarrassed to the bone talking newt
  07/10/25
refusing to answer a pointed question is circling the wagons...
ocher puppy
  07/10/25
I’ve said it many times that there’s nothing bet...
Embarrassed to the bone talking newt
  07/10/25
got it, so i should just start a business with all my free t...
ruddy field
  07/10/25
or be a wagecuck hoping that inflation doesnt destroy your w...
Embarrassed to the bone talking newt
  07/10/25
You’re sounding like sealclubber man. Step away from t...
ruddy field
  07/10/25
the opposite, actually
cracking house ape
  07/10/25
no, ur wrong. poors with no self-control all plow money into...
ruddy field
  07/10/25
...
cracking house ape
  07/10/25
...
ocher puppy
  07/10/25
...
boyish fantasy-prone indian lodge dingle berry
  07/10/25
eliminating pensions and making fixed income uncompetitive w...
ocher puppy
  07/10/25
No, but it is true that they were created to pass investment...
Bateful Geriatric Location Laser Beams
  07/10/25
Getting rid of 401ks doesn't necessarily mean that pensions ...
Magenta odious nibblets
  07/10/25
...
Judgmental Elastic Band
  07/10/25
401ks make more sense than pensions. Remember, at its peak a...
Razzmatazz office
  07/10/25
Both the 401(k) and the pension are legacies of a bygone era...
Coral bawdyhouse
  07/10/25
the conversation needs to be divided between pensions provid...
Judgmental Elastic Band
  07/10/25
Why did they never see a dime?
chartreuse twinkling uncleanness
  07/11/25
At my first job, I had the option of either a traditional pe...
Sadistic Feces Theater Stage
  07/10/25
the mixed system the US has with forced savings via SS, plus...
effete masturbator garrison
  07/11/25
Dumb take. Don’t force people to save. Make employers ...
Coral bawdyhouse
  07/11/25
stfu
effete masturbator garrison
  07/11/25


Poast new message in this thread



Reply Favorite

Date: July 10th, 2025 11:06 AM
Author: Fragrant flirting box office mood

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

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



Reply Favorite

Date: July 10th, 2025 11:11 AM
Author: Citrine swashbuckling legal warrant station

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

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

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



Reply Favorite

Date: July 10th, 2025 11:23 AM
Author: Aphrodisiac jade shitlib locus

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

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



Reply Favorite

Date: July 10th, 2025 11:25 AM
Author: cracking house ape



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



Reply Favorite

Date: July 10th, 2025 11:41 AM
Author: effete masturbator garrison



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



Reply Favorite

Date: July 10th, 2025 12:03 PM
Author: Judgmental Elastic Band

pensions were unsustainable trash

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

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



Reply Favorite

Date: July 10th, 2025 2:25 PM
Author: Aphrodisiac jade shitlib locus

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

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



Reply Favorite

Date: July 10th, 2025 3:09 PM
Author: glassy talented base

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

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



Reply Favorite

Date: July 10th, 2025 3:42 PM
Author: Judgmental Elastic Band

oh? please explain the differences.

are any of those differences really significant?

durrr durrrr

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



Reply Favorite

Date: July 10th, 2025 3:50 PM
Author: ocher puppy

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

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



Reply Favorite

Date: July 10th, 2025 2:57 PM
Author: Bull headed racy whorehouse



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



Reply Favorite

Date: July 10th, 2025 11:25 AM
Author: Adventurous roommate

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

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



Reply Favorite

Date: July 10th, 2025 11:25 AM
Author: ruddy field

where is his reasoning?

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

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

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



Reply Favorite

Date: July 10th, 2025 11:27 AM
Author: Adventurous roommate

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

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



Reply Favorite

Date: July 10th, 2025 12:05 PM
Author: Judgmental Elastic Band

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

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



Reply Favorite

Date: July 10th, 2025 10:54 PM
Author: Magenta odious nibblets

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

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



Reply Favorite

Date: July 10th, 2025 11:30 AM
Author: Fragrant flirting box office mood

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

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



Reply Favorite

Date: July 10th, 2025 11:44 AM
Author: free-loading white coldplay fan

retard take?

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



Reply Favorite

Date: July 10th, 2025 11:54 AM
Author: ruddy field

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

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



Reply Favorite

Date: July 10th, 2025 11:57 AM
Author: Henna Twisted Patrolman

Just a chill 10% return every year for 20 years

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



Reply Favorite

Date: July 10th, 2025 12:00 PM
Author: boyish fantasy-prone indian lodge dingle berry



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



Reply Favorite

Date: July 10th, 2025 12:06 PM
Author: ruddy field

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

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

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



Reply Favorite

Date: July 10th, 2025 3:26 PM
Author: bistre point

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

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



Reply Favorite

Date: July 10th, 2025 4:00 PM
Author: ruddy field

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

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



Reply Favorite

Date: July 10th, 2025 4:42 PM
Author: bistre point

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

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



Reply Favorite

Date: July 10th, 2025 11:29 AM
Author: Irradiated outnumbered locale

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

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

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



Reply Favorite

Date: July 10th, 2025 11:38 AM
Author: cracking house ape



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



Reply Favorite

Date: July 10th, 2025 11:47 AM
Author: glittery up-to-no-good sneaky criminal codepig



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



Reply Favorite

Date: July 10th, 2025 12:02 PM
Author: Bat-shit-crazy aromatic casino

why should we prevent olds from starving to death?

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



Reply Favorite

Date: July 10th, 2025 12:08 PM
Author: Dashing slippery pocket flask

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

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

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



Reply Favorite

Date: July 10th, 2025 1:41 PM
Author: curious affirmative action

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

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



Reply Favorite

Date: July 10th, 2025 12:03 PM
Author: transparent jap cuck



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



Reply Favorite

Date: July 10th, 2025 12:04 PM
Author: boyish fantasy-prone indian lodge dingle berry



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



Reply Favorite

Date: July 10th, 2025 12:06 PM
Author: Judgmental Elastic Band

then let them eat cake

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



Reply Favorite

Date: July 10th, 2025 3:18 PM
Author: ocher puppy

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

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



Reply Favorite

Date: July 10th, 2025 3:20 PM
Author: khaki black woman

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

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



Reply Favorite

Date: July 10th, 2025 3:23 PM
Author: ocher puppy

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

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

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



Reply Favorite

Date: July 10th, 2025 3:30 PM
Author: khaki black woman

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

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



Reply Favorite

Date: July 10th, 2025 3:37 PM
Author: ocher puppy

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

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



Reply Favorite

Date: July 10th, 2025 4:02 PM
Author: Judgmental Elastic Band

what hysterical drivel

olds don't die in the streets

all consideration of government

except national defense

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

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



Reply Favorite

Date: July 10th, 2025 4:04 PM
Author: ocher puppy

what compels you to write in such a

jarring and unreadable format

that no other person writes in

or has ever read before

so frequently

durr durr

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



Reply Favorite

Date: July 10th, 2025 4:07 PM
Author: Judgmental Elastic Band

very good reply, faggeratttt. now try substance.

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



Reply Favorite

Date: July 10th, 2025 4:13 PM
Author: ocher puppy

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

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

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

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

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



Reply Favorite

Date: July 10th, 2025 4:17 PM
Author: ruddy field

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

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



Reply Favorite

Date: July 10th, 2025 4:42 PM
Author: Judgmental Elastic Band

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

hitler came after your type, too

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



Reply Favorite

Date: July 10th, 2025 4:43 PM
Author: ruddy field



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



Reply Favorite

Date: July 10th, 2025 4:43 PM
Author: Judgmental Elastic Band

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

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



Reply Favorite

Date: July 10th, 2025 4:50 PM
Author: ocher puppy

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

"you want no government"

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

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

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

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



Reply Favorite

Date: July 10th, 2025 5:17 PM
Author: Judgmental Elastic Band

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

why you ended up at a ttt

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



Reply Favorite

Date: July 10th, 2025 5:59 PM
Author: ocher puppy

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

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



Reply Favorite

Date: July 10th, 2025 7:23 PM
Author: Judgmental Elastic Band

down goes another lsat point

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



Reply Favorite

Date: July 11th, 2025 12:30 AM
Author: Magenta odious nibblets

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

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



Reply Favorite

Date: July 11th, 2025 7:31 AM
Author: Magenta odious nibblets



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



Reply Favorite

Date: July 10th, 2025 3:10 PM
Author: ocher puppy



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



Reply Favorite

Date: July 10th, 2025 11:39 AM
Author: amber multi-colored antidepressant drug tattoo

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

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



Reply Favorite

Date: July 10th, 2025 11:43 AM
Author: Adventurous roommate

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

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



Reply Favorite

Date: July 10th, 2025 11:49 AM
Author: amber multi-colored antidepressant drug tattoo

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

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



Reply Favorite

Date: July 10th, 2025 12:07 PM
Author: Judgmental Elastic Band

(libs)(democrats)(poors)

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



Reply Favorite

Date: July 10th, 2025 11:59 AM
Author: bearded parlour

“I’m bitter, poor, and jewish”

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



Reply Favorite

Date: July 10th, 2025 5:17 PM
Author: Magenta odious nibblets



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



Reply Favorite

Date: July 10th, 2025 9:34 PM
Author: amber multi-colored antidepressant drug tattoo

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

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



Reply Favorite

Date: July 10th, 2025 11:45 AM
Author: Excitant Fat Ankles Heaven

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

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



Reply Favorite

Date: July 10th, 2025 11:53 AM
Author: cracking house ape

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

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



Reply Favorite

Date: July 10th, 2025 1:16 PM
Author: hairless foreskin

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

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



Reply Favorite

Date: July 10th, 2025 1:43 PM
Author: khaki black woman

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

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



Reply Favorite

Date: July 10th, 2025 1:45 PM
Author: concupiscible internet-worthy old irish cottage

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

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



Reply Favorite

Date: July 10th, 2025 1:47 PM
Author: khaki black woman

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

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



Reply Favorite

Date: July 10th, 2025 2:52 PM
Author: ruddy field

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

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



Reply Favorite

Date: July 10th, 2025 1:57 PM
Author: Henna Twisted Patrolman

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

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



Reply Favorite

Date: July 10th, 2025 2:04 PM
Author: khaki black woman

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

lol oh no, overinvestment! underconsumption!

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



Reply Favorite

Date: July 10th, 2025 2:29 PM
Author: Henna Twisted Patrolman

You seem deeply stupid

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



Reply Favorite

Date: July 10th, 2025 2:38 PM
Author: khaki black woman

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

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



Reply Favorite

Date: July 10th, 2025 2:16 PM
Author: Judgmental Elastic Band

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

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



Reply Favorite

Date: July 10th, 2025 2:35 PM
Author: Henna Twisted Patrolman

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

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



Reply Favorite

Date: July 10th, 2025 3:53 PM
Author: Judgmental Elastic Band

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

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

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

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

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

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



Reply Favorite

Date: July 10th, 2025 3:10 PM
Author: glassy talented base

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

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



Reply Favorite

Date: July 10th, 2025 2:35 PM
Author: Aphrodisiac jade shitlib locus

That’s what SS is.

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



Reply Favorite

Date: July 10th, 2025 2:38 PM
Author: khaki black woman

in treasuries, not in stocks

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



Reply Favorite

Date: July 10th, 2025 2:47 PM
Author: Aphrodisiac jade shitlib locus

Are you saying that proles should Buy High

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



Reply Favorite

Date: July 10th, 2025 2:36 PM
Author: Embarrassed to the bone talking newt

it’s a vehicle for proles with poor self control

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



Reply Favorite

Date: July 10th, 2025 2:53 PM
Author: ruddy field

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

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



Reply Favorite

Date: July 10th, 2025 3:08 PM
Author: Embarrassed to the bone talking newt

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

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



Reply Favorite

Date: July 10th, 2025 4:02 PM
Author: ruddy field

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

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



Reply Favorite

Date: July 10th, 2025 4:28 PM
Author: Embarrassed to the bone talking newt

you’re making some incredible assumptions here

good luck

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



Reply Favorite

Date: July 10th, 2025 4:30 PM
Author: ocher puppy

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

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



Reply Favorite

Date: July 10th, 2025 4:32 PM
Author: Embarrassed to the bone talking newt

oh look the wagecucks are circling the wagons

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



Reply Favorite

Date: July 10th, 2025 4:53 PM
Author: ocher puppy

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

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

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



Reply Favorite

Date: July 10th, 2025 5:17 PM
Author: Embarrassed to the bone talking newt

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

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

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



Reply Favorite

Date: July 10th, 2025 8:18 PM
Author: ruddy field

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

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



Reply Favorite

Date: July 10th, 2025 8:25 PM
Author: Embarrassed to the bone talking newt

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

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



Reply Favorite

Date: July 10th, 2025 8:39 PM
Author: ruddy field

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

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



Reply Favorite

Date: July 10th, 2025 3:30 PM
Author: cracking house ape

the opposite, actually

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



Reply Favorite

Date: July 10th, 2025 4:02 PM
Author: ruddy field

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

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



Reply Favorite

Date: July 10th, 2025 5:00 PM
Author: cracking house ape



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



Reply Favorite

Date: July 10th, 2025 5:01 PM
Author: ocher puppy



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



Reply Favorite

Date: July 10th, 2025 5:20 PM
Author: boyish fantasy-prone indian lodge dingle berry



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



Reply Favorite

Date: July 10th, 2025 3:13 PM
Author: ocher puppy

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

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



Reply Favorite

Date: July 10th, 2025 3:14 PM
Author: Bateful Geriatric Location Laser Beams

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

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



Reply Favorite

Date: July 10th, 2025 6:57 PM
Author: Magenta odious nibblets

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

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



Reply Favorite

Date: July 10th, 2025 11:23 PM
Author: Judgmental Elastic Band



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



Reply Favorite

Date: July 10th, 2025 9:37 PM
Author: Razzmatazz office

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

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

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

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

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



Reply Favorite

Date: July 10th, 2025 11:12 PM
Author: Coral bawdyhouse

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

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

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



Reply Favorite

Date: July 10th, 2025 11:28 PM
Author: Judgmental Elastic Band

the conversation needs to be divided between pensions provided by

private companies

local municipalities

states, and

federal

and perhaps more divisions are worth discussing

all of the above have important differences

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



Reply Favorite

Date: July 11th, 2025 11:25 AM
Author: chartreuse twinkling uncleanness

Why did they never see a dime?

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



Reply Favorite

Date: July 10th, 2025 9:57 PM
Author: Sadistic Feces Theater Stage

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

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

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



Reply Favorite

Date: July 11th, 2025 9:18 AM
Author: effete masturbator garrison

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

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



Reply Favorite

Date: July 11th, 2025 11:24 AM
Author: Coral bawdyhouse

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

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



Reply Favorite

Date: July 11th, 2025 11:37 AM
Author: effete masturbator garrison

stfu

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