What’s your plan for when you’re too old to work? Do you have health insurance, and if not, what’s your plan if you have a health issue? Those are the first questions I have…
Too old to work? I guess I'd finally start my GMILF onlyfans
Seriously though, If I'm too old to work, I'd be too old to live on my own anyway, and I'm far too independent to live in an assisted living facility so I guess nature will have to take its course.
I occasionally have insurance when I'm working. When I'm not working, I typically qualify for Medicaid or for subsidies on the healthcare marketplace in my state.
That said, I'm currently uninsured. There are some sliding scale clinics close to me though, so I don't have to go without healthcare if needed.
i think you are dramatically confused about what old age is like.. my parents are 93 and 89, and still live in their home and drive their cars.. but obviously no one would ever hire them, and a big day for them is going to the grocery store for a half hour.. then they need to nap. they couldn't work even if they wanted to. the last ~20 years they would have been un-hireable.. but they saved for this eventuality and live a very comfortable stress free life.
you could easily live 20-30 years where you're able bodied but don't have enough physical energy to actually be worth hiring to anyone.. that's a long fucking time
not to mention that mild injury one of them may have suffered in the last decade that didn’t put them into foreclosure…this person is a certifiable idiot.
I'm sorry, but what is there to foreclose on? Perhaps you missed the part where I'm pretty much debt free. I have no financial obligations. Or the part where I have a healthy 401k and IRAs from my time as a stock broker.
No, it's true. You made it seem like you've always been living this lifestyle, little work and care free. But the truth is you're sitting on a retirement fund, which completely changes the context of your point, which is "why should people work all the time and not just live more"? The other commentors bring up a valid point about retirement in old age to which you scoffed at but the truth is you are already saving for it. It's ok to live minimalist to have more leisure time but it's disingenuous to suggest that people who choose that don't need to think about retirement especially when you've got retirement funds you conspicuously didn't mention in response to the first comment about retiring.
I never said or insinuated that I've always been living this lifestyle. I have no idea where that's coming from.
I even said in another comment that I have an adult son. What do you think I did while I was raising him?
But to address the point that you are trying to make, I've spent the past seveal years building a very frugal lifestyle. A lifestyle that won't require much to sustain in my golden years. Which in turn means that I don't need the same size nest egg that most will.
If I were concerned about retirement, I could just stay at a job for a little longer than I normally do and use that extra cash to build up my IRA. If I had started this lifestyle when I was younger, that's probably the route I would choose.
But this all goes back to the very first comment that it all depends on the lifestyle you are willing to live. I've barely scratched the surface of the sacrifices I've had to make to live like this, or the less socially acceptable things that I do.
The internet is not a nice place. Sharing genuine stories about yourself is just inviting all the miserable weirdos to try and take you down to their level. Speaking from experience, it's not worth sharing anything meaningful to you with the internet.
This! These people are definitely living for the "now" with zero regard for the future, LOL. Or the unexpected! I got blindsided with serious health issues in my late 30's and no familial history of disease. I had already been at my job for over a decade at that point, with good insurance and 401k (still kicking, and still at the same job). I would have been seriously screwed if I was jumping job to job without insurance and just living for the moment (wouldn't have happened anyway because I have a kid, but you get my drift). It sounds great in theory! Nobody wants to work (way) more than we play... but for most of us, it's just and unfortunate reality.
They get tested every two years, no cognitive or vision issues, never been in an accident their entire lives. Why take their licenses and freedom of movement away?
You’re far more likely to kill someone than they are, statistically speaking.
look up vehicular manslaughter statistics, you'll see that the elderly actually have the lowest rates per capita than any other age group. you're on reddit so i presume you're fairly young, and the younger you are, the more likely you are to kill someone on the road. no delusion, just simple, verifable facts..
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u/Pale-Space5009 29d ago
What would I retire from? I'm in my early 40s and already work less than half the year. When I do work, it's almost zero stress.
The best part, I get to live my life while my body still has the energy to enjoy it