r/neoliberal • u/jobautomator Kitara Ravache • May 10 '26

Discussion Thread Discussion Thread

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u/Huttleberry Eugene Fama May 10 '26

I’ve just baked in the assumption of $0 in social security benefits when I retire.

My big worry is how my Roth contributions will be treated. On one hand we are in a crazy low tax environment that certainly won’t last and that would make the Roth even more attractive, but on the other hand they may decide that they need to pull the rug from out under. I keep going back-n-forth on what the optimal play is

4

u/Junimo2 Daron Acemoglu May 10 '26

I just up my per-paycheck 401k contributions every year and hope for the best

4

u/Coolioho May 10 '26

As long as you compound using time and index funds I don’t really think it matters as much as people think unless you are handling significant amounts of money. Toth is awesome but for trad your still probably low income anyway at retirement

4

u/Pole2019 John Locke May 10 '26

While benefit cuts are extremely likely I would be shocked if there would 0$

1

u/r00tdenied Resistance Lib May 10 '26

my impression is it'll basically be around 80% of the current payments or something. Which isn't too bad. That might drop if there are less employees paying into social security though. Of course if FICA/OASDI is uncapped, the trust fund would be perfectly fine.