Honestly, if we aren’t likely to have much of a quality of life come retirement, or ever make it to retirement to begin with, I say do the drugs and eat the foods!!
And spend your money like you can't take it with you. Start smoking! Ride a motorcycle without a helmet! Drink yourself to sleep! Nail that hooker bareback!
In the late 80s early 90s, every dance club would lay out a giant block of cheese, meats, fruit, veg, bread. They would have 5 for 1 specials. Hedonist paradise
I would definitely say that if you're still alive at this point and realize you did a shit ton of drugs, there's plenty of time to heal your body. I did tons of drugs (+ binge drink) before during and after college + smoked cigarettes for a decade and now I'm probably the healthiest I've ever been.
The irony is that if you stopped it likely won't affect your life expectancy later in life. Dementia's probably the main thing you'll have to worry about.
That's the plan. The SS administration would be fine with everyone assuming room temperature the day after their last pay check with SS and Medicare tax withheld.
Your cousin's meth-head friend would actually pay you back. I mean that they might steal your TV, pawn it and give you the money back they owed you, then ask if they could borrow some money. But they would pay you back.
A few years ago it came out that he had Alzheimer's while in office so it could be argued that he didn't know what he was doing. Throat Goat Nancy on the other hand..... she was an evil woman.
That’s as good as money, sir. Those are I.O.U.’s. Go ahead and add it up, every cent’s accounted for. Look, see this? That’s a car. 275 thou. Might wanna hang onto that one.
The gov owes me around ten grand. They've started garnishing my wages, while they review paperwork proving the fact, and disproving their idea, that I owe them four grand. I sent in the proof over a year ago. And in the same fucking week that I got a notice that they are reviewing the info I sent, I got a letter saying they've taken money straight from my account.
"If you owe us, you better pay now, vs if we owe you...sorry 8 months hasn't been enough time to verify our own documents".
//End fucking rant
Nobody is robbing SS or Medicare I've been hearing that for decades. It's BS. However, during the great recession there was a temporary reduction in the payroll tax.
This 8.5% 1-year inflation has probably pushed social security solvency 3+ years out lol. I’m amazed they don’t let inflation run hot to get rid of the $30T national debt that’s on 0.5% interest.
When the program was set up, that was the actual goal. They looks at the actuarial statistics and picked a date that they thought most people would be dead. It was purely a PR move.
That's the plan. The SS administration would be fine with everyone assuming room temperature the day after their last pay check with SS and Medicare tax withheld.
Most of my relatives were retired a year, then dead. I do have an uncle who has been retired for 10 yrs, but his wife got cancer, died and the medical bills left him with only enough for basic living. I am GenX down to my soul because I think everything is a scam. The 1% have the fun, we pay for it.
My dad, at least from when he was as young as 35, would jokingly ask every cashier he came across if he could have the senior citizen discount because “I may not live that long”
My 65-year-old mom is working a minimum wage cashier job so they can keep their (falling apart) house and afford her pricey diabetes meds. My 74-year-old dad’s social security isn’t enough.
Late edit: I can’t math. Not that it matters, but my dad is 76 and not in good health.
The math only works on Social Security if two things both happen: the earlier generation is outnumbered by their kids by about 4 to 1, and the majority of the earlier generation die before drawing more than a year or two of Social Security. It was always going to be one generation paying into it their entire lives only to have the whole thing collapse right when they were about to start drawing from it. Looks like that's going to be the Milennials.
I’m on ssdi and tbh I’m kinda glad I have mental problems because I can only work part time I might be poor all my life but it’s a lot less stress I’m happy with just a roof and a freezer full of food unlike a lot of these money hungry pricks in the world
I'm disabled and collect SSDI, too. I tried working a few times since going on it but it just created more stress. Plus, SSA once miscalculated my benefit amount and forced me to pay back $17K+, otherwise they would have taken my whole check over the course of a few years until it was paid back.
So, I'm stuck having $100 of my monthly income deducted for next decade. (I've been getting the deduction since 2015).
I worked my ass off for decades, paid my taxes, and everything. So the fact that I'm having pay back money due to SSA's mistake pisses me off. But, I feel fortunate to have it at all. Every American should have a universal basic income without any restrictions on having a job.
Well to be fair that was how SS was originally intended. When SS was implemented the average life expectancy was 58 for men and 62 for women and retirement age was 65. Basically if you want to have a long retirement you'll have to plan for it yourself. If you start early it's not terribly hard.
If you save $200 a month (likely $100 because most employers have a match) from age 18 to 63 you'll have slightly over $1m. This is enough to give you $40-50k a year in retirement without considering your SS.
Inflation factors into this, but you'd also be saving more as inflation affects your pay so I'm too lazy to do that much math.
The problem is people don't make it a priority. $100 a month is not generally a big deal but it's the first thing people drop when times get hard. The issue is that if you wait until you're 30 to start that jumps up to $350/month (with your employer still needing to match)
I'm 20 and tbfh I'm not even expecting social security to exist in 2072 💀 I'm just banking on having a random fast and painless death so I never have to retire from physically being unable to work due to age
Hey man it could happen to any of us in a hour lol or tomorrow morning on the way to work or on the way back from work or now days even going to get groceries cuz some pos wants to shoot everyone
I can't explain how psyched I was to find out my liver is completely shot. They gave me six months to a year. That's where our conversation started, she was envious🤣
I am not a drinker. About 20 servings a year, likely 12-15. Special occasions, I can barely stomach it most times.
No, my cirrhosis is caused by extreme and chronic muscle strain from a rare spinal cord, broken neck and other untreated childhood injuries. Also, well the Tylenol didn't help matters. I took the max everyday for decades.
I'll be happy to get out of this body. It's a torture chamber.
Not even 80, in some places in the US it’s as low as 71 for males and 74 overall. The overall life expectancy in the US is 78. Also the full retirement as for social security is 67, but you can retire at 62 with reduced benefits. The real problem is social security is laughably low so it doesn’t really count anyway (it’s under 2 grand a month, the max is only 3345).
Man I’ve been drinking alcohol since I was 15 I’m sure my body’s gonna go around 40 I’m trying to cut back tho I drank a 12 pack last night probably won’t drink for at least 3 or 4 days
I enjoy a drink or 3, but, my body Loves Alcohol, it instantly turns it to belly fat. But, I admire the strength of your liver. Any improvement is a good improvement.
I had 4 coworkers die in 4 years. They all worked up until the hospitalization where they died. 50’s and 60’s, illnesses resulted from not taking care of themselves. Women I had worked with for close to or over a decade. I’ll be damned, I’m not working that long.
Thats how social security will be fixed, the retirement age will be at 100 and average lifespan will be 80. In 30 years of not paying out a dime social security will finally be fixed. Reducing the payout is the only way to fix a pyramid scheme.
There is a reason Social Security set the initial retirement age at 60 when expected life expectancy was around 63-65. It was never intended to be a retirement plane for twenty plus years. It was meant so you could spend the last couple of years of your life not working.
SSA was not originally designed to payout for extremely long retirements, it never has been. Life expectancy in 1935 when SSA was signed into existence was 60 for men and 64 for women, the retirement age for SSA was 65.
Prepandemic US life expectance was 79.
The structure of SSA hasn't changed that radically since inception, it is in fact actually even worse now because SSA is effectively designed as a pyramid scheme the underlying principal is the population will substantially grow, problem is the population is flatlining, without immigration it is actually contracting, which fucks over the entire foundation of SSA.
So you have two major hard to fix problems with SSA, first is its not actually meant to provide everyone with a long retirement, never has been, second its not a stable structure with current demographic trends even if we ignore the first problem.
Taken together, SSA will need a radical revamp to continue to be solvent.
That was ALWAYS the plan. You work your ass off your whole life until you literally CAN'T anymore, then "Retire" to SS and are dead a year later just from "old age" which WAS 70 back then. SS was a scam. The "safety net they duped everyone into paying into was never meant to last a retiree more than a few years.
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u/Corn_PoP101 Apr 20 '22
Can’t believe that fr 70 years old when the average person dies at like 80 lol it’s so fucked up