The fuck, man? A retirement thread? What is this, Old People News? Retirement is for middle-class fuck-ups. If you don't have a major, live-anywhere-you-want-a

The fuck, man? A retirement thread? What is this, Old People News? Retirement is for middle-class fuck-ups. If you don't have a major, live-anywhere-you-want-and-never-have-to-work-again hit by 40, then what the fuck did you do with your life? If you're halfway smart, you'll be financially independent (startup exits, at least two, plus passive income) by your mid-30s. What the fuck are you doing? Go out and raise a $800,000 seed round! I don't actually think that way, but a lot of people do, and when you compete for jobs (usually on wage) you are in the market with them. They depress wages (if they aren't thinking about retirement, why should you?) but they also push up demands in a lot of those bullshit cultural competitions (such as the need to live in Manhattan in many NYC firms) that get very expensive and kill what you should be saving. That is why, barring unforeseen technological or economic changes, most people in the VC-funded bubble world will never be able to save enough for retirement. To save requires being smart, and you're typically going to be competing (on wages and rent) with people who are stupid.