4 ms·
I pretty much agree with your core idea here; "not having a 401k forces you to take care of your own retirement savings". However, it seems like you think that
by nihilocrat 18y ago
I pretty much agree with your core idea here; "not having a 401k forces you to take care of your own retirement savings".
However, it seems like you think that saving for retirement is completely stupid. I don't mean to insult, but it sounds like when you feel like you can't make money anymore, you're going to down a bottle of whiskey and blow your brains out. Financially, that's actually probably the better idea, since you don't have to worry about having money for a zero-productivity endgame. The downside is you miss out on a lot of non-money advantages of retirement (grandkids, if you go that route, and various other things retired folks say they enjoy).
Just think of retirement funds this way; people are making sure they don't have to eat cat food bought with social security checks during the waning portion of their "brief window of autonomy", and they don't want to go for the aforementioned whiskey-and-suicide route because most people don't actually want to kill themselves.
- LPTS 18y agoI don't want to spend all the good years of my life living exactly like a rat doing whatever gymnastics get me enough pellets (dollars) to survive. I'd rather say "fuck that" and do what I want. It's not a lack of money that would make me kill myself (and I don't drink alcohol, preferring drugs that enhance cognition). It's a lack of meaning. As long as I can write books, papers on ideas that interest me, or work on my patentable inventions, my life has meaning regardless of the money situation. But, if I'm spending my time worrying if I have tucked away my pellets as good as the neighbors, my life has no interest, and, at that point, why not get off the ride instead of spinning the wheel for no good reason?