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Is it true that 401ks were created so you can never retire?

https://x.com/vladtheinflator/status/1942968358196084973?s=4...
Infuriating Lascivious Affirmative Action
  07/10/25
They were created to be one of many small vehicles one could...
jet-lagged mad-dog skullcap range
  07/10/25
The end result is that proles buy $78;000k trucks and contri...
Multi-colored Address Digit Ratio
  07/10/25
...
Charismatic den degenerate
  07/10/25
...
Henna Rebellious Pistol
  07/10/25
pensions were unsustainable trash while i agree that there ...
beady-eyed deranged weed whacker kitty cat
  07/10/25
A 401k is a “pension” you idiot. It’s The ...
Multi-colored Address Digit Ratio
  07/10/25
No it's not. With a 401k/match, they give you the money and...
Plum blathering nibblets
  07/10/25
oh? please explain the differences. are any of those differ...
beady-eyed deranged weed whacker kitty cat
  07/10/25
i'd like more sealclubber versus cowgod subthreads. you've g...
Lake Erotic Location
  07/10/25
...
glittery rose house
  07/10/25
twitter sucks because unless you heavily block and filter yo...
haunting ceo parlor
  07/10/25
where is his reasoning? my wife and i each have roughly ...
vermilion hairraiser marketing idea mexican
  07/10/25
Yea I thought it required a full career and retirement in yo...
haunting ceo parlor
  07/10/25
is this true? i thought pensions often were based on 20 or 2...
beady-eyed deranged weed whacker kitty cat
  07/10/25
Why would a company give someone money for not working just ...
hateful pit
  07/10/25
I think he’s talking about 95% of people and not the 5...
Infuriating Lascivious Affirmative Action
  07/10/25
retard take?
Fluffy Sadistic Sanctuary
  07/10/25
Explain like I’m a trans woman Thai with her buttcheek...
vermilion hairraiser marketing idea mexican
  07/10/25
Just a chill 10% return every year for 20 years
Hideous Tripping Immigrant Hell
  07/10/25
...
Splenetic University Goyim
  07/10/25
yeah, totally unrealistic to expect that. past performance i...
vermilion hairraiser marketing idea mexican
  07/10/25
Average returns going forward will be 2%, inflation 4%, and ...
Poppy Flatulent Kitty
  07/10/25
cr, i'm going to plan on working until 70 now.
vermilion hairraiser marketing idea mexican
  07/10/25
Before offing urself? If not, you need to work until 90 at a...
Poppy Flatulent Kitty
  07/10/25
The problem is that any system which requires people to act ...
odious cumskin
  07/10/25
...
Charismatic den degenerate
  07/10/25
...
Hairless temple corn cake
  07/10/25
why should we prevent olds from starving to death?
electric round eye fortuitous meteor
  07/10/25
Why wouldn't we actually encourage it to reinforce to everyo...
Irradiated lodge
  07/10/25
And then we'll just start releasing them to Elsewhere.
aphrodisiac business firm ape
  07/10/25
...
Twinkling legal warrant
  07/10/25
...
Splenetic University Goyim
  07/10/25
then let them eat cake
beady-eyed deranged weed whacker kitty cat
  07/10/25
i love how so many shitcon's "conservative" govern...
Lake Erotic Location
  07/10/25
except when people are being mean to jews in which case they...
angry ticket booth hominid
  07/10/25
then you have the based anti-israel people going apeshit ove...
Lake Erotic Location
  07/10/25
but for the israeli and jewish cudgel and a dummy in the WH ...
angry ticket booth hominid
  07/10/25
mmm perhaps not factions per se, as that would require coher...
Lake Erotic Location
  07/10/25
what hysterical drivel olds don't die in the streets all c...
beady-eyed deranged weed whacker kitty cat
  07/10/25
what compels you to write in such a jarring and unreadabl...
Lake Erotic Location
  07/10/25
very good reply, faggeratttt. now try substance.
beady-eyed deranged weed whacker kitty cat
  07/10/25
there's no reason to because you agreed with me in your last...
Lake Erotic Location
  07/10/25
i know i'm repeating the very obvious at this point, but it'...
vermilion hairraiser marketing idea mexican
  07/10/25
you're a faggot, zurich. durr durr i hate jews!! hitler cam...
beady-eyed deranged weed whacker kitty cat
  07/10/25
...
vermilion hairraiser marketing idea mexican
  07/10/25
i didn't agree with you, but if you want to suck a cock, zur...
beady-eyed deranged weed whacker kitty cat
  07/10/25
so you request a substantive response, i give it, and you ju...
Lake Erotic Location
  07/10/25
"that inherently leads to no government if less is alwa...
beady-eyed deranged weed whacker kitty cat
  07/10/25
if i have 100 government, and less is always better, so ever...
Lake Erotic Location
  07/10/25
down goes another lsat point
beady-eyed deranged weed whacker kitty cat
  07/10/25
Why don't these people just get jobs? They are far better at...
hateful pit
  07/11/25
...
hateful pit
  07/11/25
...
Lake Erotic Location
  07/10/25
"retirement" was FDR flaem to try to force bodies ...
high-end concupiscible gas station
  07/10/25
No, boomers are entitled to a 30 year vacation and every sin...
haunting ceo parlor
  07/10/25
(Donald Trump) (Joe Biden) (Barack Obama) (George W. Bush) (...
high-end concupiscible gas station
  07/10/25
(libs)(democrats)(poors)
beady-eyed deranged weed whacker kitty cat
  07/10/25
“I’m bitter, poor, and jewish”
emerald circlehead chad
  07/10/25
...
hateful pit
  07/10/25
"Pension" was a concept for disabled military vets...
high-end concupiscible gas station
  07/10/25
half the people in the country are from places normal americ...
vivacious step-uncle's house pervert
  07/10/25
"I am not going to save/invest because I don't know whe...
Charismatic den degenerate
  07/10/25
I'm old enough to remember a few places that still had pensi...
greedy persian set
  07/10/25
in any sane country the government would be requiring employ...
angry ticket booth hominid
  07/10/25
target date funds suck, and proles would just take out 401k ...
razzmatazz heaven mood
  07/10/25
hear me out. we could prevent them from taking 401k loans.
angry ticket booth hominid
  07/10/25
they do suck, but they're better than booming away 95% of yo...
vermilion hairraiser marketing idea mexican
  07/10/25
Forcing everyone to self-fund their own retirement savings r...
Hideous Tripping Immigrant Hell
  07/10/25
"risk sharing" is inefficient and code for needles...
angry ticket booth hominid
  07/10/25
You seem deeply stupid
Hideous Tripping Immigrant Hell
  07/10/25
Oh no, overinvestment and underconsumption! the exact proble...
angry ticket booth hominid
  07/10/25
yeah, if people only had over 40 years to plan ahead
beady-eyed deranged weed whacker kitty cat
  07/10/25
You're thinking about this entirely wrong. A person can of ...
Hideous Tripping Immigrant Hell
  07/10/25
not everyone is forced to plan ahead. that's why we have so ...
beady-eyed deranged weed whacker kitty cat
  07/10/25
No it doesn't. If somebody wants to guard against longevity...
Plum blathering nibblets
  07/10/25
That’s what SS is.
Multi-colored Address Digit Ratio
  07/10/25
in treasuries, not in stocks
angry ticket booth hominid
  07/10/25
Are you saying that proles should Buy High
Multi-colored Address Digit Ratio
  07/10/25
it’s a vehicle for proles with poor self control
Indecent hairy legs really tough guy
  07/10/25
literal retard take, especially if someone has access to a 4...
vermilion hairraiser marketing idea mexican
  07/10/25
sorry you can’t find better ways to invest your money ...
Indecent hairy legs really tough guy
  07/10/25
explain where your money is invested that's beating the s&am...
vermilion hairraiser marketing idea mexican
  07/10/25
you’re making some incredible assumptions here good...
Indecent hairy legs really tough guy
  07/10/25
it was pretty bold of zurich to assume you have any money to...
Lake Erotic Location
  07/10/25
oh look the wagecucks are circling the wagons
Indecent hairy legs really tough guy
  07/10/25
refusing to answer a pointed question is circling the wagons...
Lake Erotic Location
  07/10/25
I’ve said it many times that there’s nothing bet...
Indecent hairy legs really tough guy
  07/10/25
got it, so i should just start a business with all my free t...
vermilion hairraiser marketing idea mexican
  07/10/25
or be a wagecuck hoping that inflation doesnt destroy your w...
Indecent hairy legs really tough guy
  07/10/25
You’re sounding like sealclubber man. Step away from t...
vermilion hairraiser marketing idea mexican
  07/10/25
the opposite, actually
Charismatic den degenerate
  07/10/25
no, ur wrong. poors with no self-control all plow money into...
vermilion hairraiser marketing idea mexican
  07/10/25
...
Charismatic den degenerate
  07/10/25
...
Lake Erotic Location
  07/10/25
...
Splenetic University Goyim
  07/10/25
eliminating pensions and making fixed income uncompetitive w...
Lake Erotic Location
  07/10/25
No, but it is true that they were created to pass investment...
Provocative Filthy Base
  07/10/25
Getting rid of 401ks doesn't necessarily mean that pensions ...
hateful pit
  07/10/25
...
beady-eyed deranged weed whacker kitty cat
  07/10/25
401ks make more sense than pensions. Remember, at its peak a...
razzle-dazzle olive gay wizard abode
  07/10/25
Both the 401(k) and the pension are legacies of a bygone era...
Swashbuckling pisswyrm brethren
  07/10/25
the conversation needs to be divided between pensions provid...
beady-eyed deranged weed whacker kitty cat
  07/10/25
Why did they never see a dime?
Cracking thirsty casino
  07/11/25
At my first job, I had the option of either a traditional pe...
Fragrant Gunner Plaza
  07/10/25
the mixed system the US has with forced savings via SS, plus...
Henna Rebellious Pistol
  07/11/25
Dumb take. Don’t force people to save. Make employers ...
Swashbuckling pisswyrm brethren
  07/11/25
stfu
Henna Rebellious Pistol
  07/11/25


Poast new message in this thread



Reply Favorite

Date: July 10th, 2025 11:06 AM
Author: Infuriating Lascivious Affirmative Action

https://x.com/vladtheinflator/status/1942968358196084973?s=46

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089790)



Reply Favorite

Date: July 10th, 2025 11:11 AM
Author: jet-lagged mad-dog skullcap range

They were created to be one of many small vehicles one could utilize to save for retirement.

They were never intended to be an absolute requirement to avoid eating dog food in your 80s, but it was advantageous for certain jews (who are NOT the same as the people who created 401ks btw) to have that be the case so here we are.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089809)



Reply Favorite

Date: July 10th, 2025 11:23 AM
Author: Multi-colored Address Digit Ratio

The end result is that proles buy $78;000k trucks and contribute 0% or like 4% in order to get a match when they’d need to contribute 20% or whatever to match an old school private sector pension or modern public sector pension. They also Sell Low. So they are Bad irl imo. proles should contribute $20,000k/yr and drive $27k manual Ford Rangers

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089852)



Reply Favorite

Date: July 10th, 2025 11:25 AM
Author: Charismatic den degenerate



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089863)



Reply Favorite

Date: July 10th, 2025 11:41 AM
Author: Henna Rebellious Pistol



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089916)



Reply Favorite

Date: July 10th, 2025 12:03 PM
Author: beady-eyed deranged weed whacker kitty cat

pensions were unsustainable trash

while i agree that there is a lot of truth to your take on the end result, that is function of people being stupid

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089973)



Reply Favorite

Date: July 10th, 2025 2:25 PM
Author: Multi-colored Address Digit Ratio

A 401k is a “pension” you idiot. It’s The Same Thing.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090396)



Reply Favorite

Date: July 10th, 2025 3:09 PM
Author: Plum blathering nibblets

No it's not. With a 401k/match, they give you the money and it's yours. Pensions are bad because it's way too easy for incumbents to promise sky high returns for minimal contributions, because by the time it becomes an issue they're gone. It's yet another thing boomers turned into a crisis.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090502)



Reply Favorite

Date: July 10th, 2025 3:42 PM
Author: beady-eyed deranged weed whacker kitty cat

oh? please explain the differences.

are any of those differences really significant?

durrr durrrr

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090565)



Reply Favorite

Date: July 10th, 2025 3:50 PM
Author: Lake Erotic Location

i'd like more sealclubber versus cowgod subthreads. you've got a smart guy pretending to be an idiot and an idiot pretending to be a smart guy, and they're both just sarcastically dishing out mysterious vague quasi-assertions.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090579)



Reply Favorite

Date: July 10th, 2025 2:57 PM
Author: glittery rose house



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090477)



Reply Favorite

Date: July 10th, 2025 11:25 AM
Author: haunting ceo parlor

twitter sucks because unless you heavily block and filter you see these dumb takes whenever you go on.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089862)



Reply Favorite

Date: July 10th, 2025 11:25 AM
Author: vermilion hairraiser marketing idea mexican

where is his reasoning?

my wife and i each have roughly $1m in our accounts at ages 45 and 46. i'm focusing on getting to $1.2 - 1.5m in taxable accounts so i can go into semiretirement at around 49. we let the $2m in 401ks grow for another 20 years, it'll probably be 10-15m, likely on the higher end of that scale.

i guess most people can't retire because they are 52 and have $94k in their account, but the pension system is no better. didn't you generally have to work until like 62 under those systems anyway?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089864)



Reply Favorite

Date: July 10th, 2025 11:27 AM
Author: haunting ceo parlor

Yea I thought it required a full career and retirement in your sixties and the average lifespan was like 66 or 70. If he's referring to the modern pension system where cops can retire at 42 with full benefits for life thats not how the pension system really ever worked.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089878)



Reply Favorite

Date: July 10th, 2025 12:05 PM
Author: beady-eyed deranged weed whacker kitty cat

is this true? i thought pensions often were based on 20 or 25 year employment

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089976)



Reply Favorite

Date: July 10th, 2025 10:54 PM
Author: hateful pit

Why would a company give someone money for not working just because they worked there for 20 years?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092031)



Reply Favorite

Date: July 10th, 2025 11:30 AM
Author: Infuriating Lascivious Affirmative Action

I think he’s talking about 95% of people and not the 5% who would have landed fat retirement packages anyway prior to 401ks

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089888)



Reply Favorite

Date: July 10th, 2025 11:44 AM
Author: Fluffy Sadistic Sanctuary

retard take?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089924)



Reply Favorite

Date: July 10th, 2025 11:54 AM
Author: vermilion hairraiser marketing idea mexican

Explain like I’m a trans woman Thai with her buttcheeks spread out in a cheap motel room

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089953)



Reply Favorite

Date: July 10th, 2025 11:57 AM
Author: Hideous Tripping Immigrant Hell

Just a chill 10% return every year for 20 years

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089959)



Reply Favorite

Date: July 10th, 2025 12:00 PM
Author: Splenetic University Goyim



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089963)



Reply Favorite

Date: July 10th, 2025 12:06 PM
Author: vermilion hairraiser marketing idea mexican

yeah, totally unrealistic to expect that. past performance is not a guarantee of future results!

even at an average return of 8% over that horizon, the 2m is just under 10m at year 20. if you start living off that and withdrawing 35k a month (with 2% increases to withdrawals annually), your money continues growing. of course, this doesn't apply if the s&p decides to reverse its historical trend of 11% returns and starts returning like 5%. then i guess we are all in trouble.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089978)



Reply Favorite

Date: July 10th, 2025 3:26 PM
Author: Poppy Flatulent Kitty

Average returns going forward will be 2%, inflation 4%, and there will be wild 25% swings up and down every so often.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090535)



Reply Favorite

Date: July 10th, 2025 4:00 PM
Author: vermilion hairraiser marketing idea mexican

cr, i'm going to plan on working until 70 now.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090594)



Reply Favorite

Date: July 10th, 2025 4:42 PM
Author: Poppy Flatulent Kitty

Before offing urself? If not, you need to work until 90 at an absolute minimum and go off ur aids meds

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090726)



Reply Favorite

Date: July 10th, 2025 11:29 AM
Author: odious cumskin

The problem is that any system which requires people to act responsibly at scale for their own self interest is never going to work. There’s just no fucking way people are going to max out their 401k when they could instead buy an iPhone and a huge ass truck.

This is why I begrudgingly admit that social security is necessary to prevent olds from starving to death.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089885)



Reply Favorite

Date: July 10th, 2025 11:38 AM
Author: Charismatic den degenerate



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089907)



Reply Favorite

Date: July 10th, 2025 11:47 AM
Author: Hairless temple corn cake



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089935)



Reply Favorite

Date: July 10th, 2025 12:02 PM
Author: electric round eye fortuitous meteor

why should we prevent olds from starving to death?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089967)



Reply Favorite

Date: July 10th, 2025 12:08 PM
Author: Irradiated lodge

Why wouldn't we actually encourage it to reinforce to everyone else not to be a fucking idiot?

The answer is that our entire consumption-based system would collapse if people spent responsibly, so we'll prop it up until we simply can't do it any longer

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089985)



Reply Favorite

Date: July 10th, 2025 1:41 PM
Author: aphrodisiac business firm ape

And then we'll just start releasing them to Elsewhere.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090251)



Reply Favorite

Date: July 10th, 2025 12:03 PM
Author: Twinkling legal warrant



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089972)



Reply Favorite

Date: July 10th, 2025 12:04 PM
Author: Splenetic University Goyim



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089974)



Reply Favorite

Date: July 10th, 2025 12:06 PM
Author: beady-eyed deranged weed whacker kitty cat

then let them eat cake

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089977)



Reply Favorite

Date: July 10th, 2025 3:18 PM
Author: Lake Erotic Location

i love how so many shitcon's "conservative" government ideal is ruthless individualism where the government does nothing while olds die in the streets. you don't want to "conserve" traditional government, you want no government at all.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090524)



Reply Favorite

Date: July 10th, 2025 3:20 PM
Author: angry ticket booth hominid

except when people are being mean to jews in which case they want to abolish the 1A on college campuses and revoke harvard's accreditation

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090526)



Reply Favorite

Date: July 10th, 2025 3:23 PM
Author: Lake Erotic Location

then you have the based anti-israel people going apeshit over mamdani because he's muslim.

winning so big in 2024 has come with the bitter realization that we're just as factionalized and retarded as the left but just in different ways.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090530)



Reply Favorite

Date: July 10th, 2025 3:30 PM
Author: angry ticket booth hominid

but for the israeli and jewish cudgel and a dummy in the WH that does pretty much whatever they want conservatism or small government or foreign interventionism be damned are there even other prominent factions? people seem united on much else.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090542)



Reply Favorite

Date: July 10th, 2025 3:37 PM
Author: Lake Erotic Location

mmm perhaps not factions per se, as that would require coherent and consistent ideology. i guess moreso that we're just as ideologically malleable as the left with many contorting their opinions and positions based on whatever thing is of particular import to them.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090560)



Reply Favorite

Date: July 10th, 2025 4:02 PM
Author: beady-eyed deranged weed whacker kitty cat

what hysterical drivel

olds don't die in the streets

all consideration of government

except national defense

should begin with the premise that the less government, the better

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090599)



Reply Favorite

Date: July 10th, 2025 4:04 PM
Author: Lake Erotic Location

what compels you to write in such a

jarring and unreadable format

that no other person writes in

or has ever read before

so frequently

durr durr

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090609)



Reply Favorite

Date: July 10th, 2025 4:07 PM
Author: beady-eyed deranged weed whacker kitty cat

very good reply, faggeratttt. now try substance.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090613)



Reply Favorite

Date: July 10th, 2025 4:13 PM
Author: Lake Erotic Location

there's no reason to because you agreed with me in your last response.

"you don't want to "conserve" traditional government, you want no government at all."

"all consideration of government except national defense should begin with the premise that the less government, the better"

retard, if all consideration of government should begin with the premise that the less government the better then whatever government exists you'll want less than that i.e. you want no government ultimately.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090624)



Reply Favorite

Date: July 10th, 2025 4:17 PM
Author: vermilion hairraiser marketing idea mexican

i know i'm repeating the very obvious at this point, but it's unreal how dumb this guy is

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090628)



Reply Favorite

Date: July 10th, 2025 4:42 PM
Author: beady-eyed deranged weed whacker kitty cat

you're a faggot, zurich. durr durr i hate jews!!

hitler came after your type, too

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090727)



Reply Favorite

Date: July 10th, 2025 4:43 PM
Author: vermilion hairraiser marketing idea mexican



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090729)



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Date: July 10th, 2025 4:43 PM
Author: beady-eyed deranged weed whacker kitty cat

i didn't agree with you, but if you want to suck a cock, zurich is around

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090732)



Reply Favorite

Date: July 10th, 2025 4:50 PM
Author: Lake Erotic Location

so you request a substantive response, i give it, and you just say "wrong" without any argument why and then go on to cry about antisemitism and fantasize about degenerate sex acts? odd case this the playbook for midwit jews 100% of the time.

"you want no government"

"no, i just think whatever government exists there should be less."

"that inherently leads to no government if less is always better."

"wrong. zurich is an antisemite and you suck cock. later goys!"

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090756)



Reply Favorite

Date: July 10th, 2025 5:17 PM
Author: beady-eyed deranged weed whacker kitty cat

"that inherently leads to no government if less is always better."

why you ended up at a ttt

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090812)



Reply Favorite

Date: July 10th, 2025 5:59 PM
Author: Lake Erotic Location

if i have 100 government, and less is always better, so every day i remove 1 government, how much government will i have in 100 days?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090904)



Reply Favorite

Date: July 10th, 2025 7:23 PM
Author: beady-eyed deranged weed whacker kitty cat

down goes another lsat point

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091310)



Reply Favorite

Date: July 11th, 2025 12:30 AM
Author: hateful pit

Why don't these people just get jobs? They are far better at working than young people.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092259)



Reply Favorite

Date: July 11th, 2025 7:31 AM
Author: hateful pit



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092457)



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Date: July 10th, 2025 3:10 PM
Author: Lake Erotic Location



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090505)



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Date: July 10th, 2025 11:39 AM
Author: high-end concupiscible gas station

"retirement" was FDR flaem to try to force bodies out of the work force. It is literally a modern invention.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089910)



Reply Favorite

Date: July 10th, 2025 11:43 AM
Author: haunting ceo parlor

No, boomers are entitled to a 30 year vacation and every single measure for end of life extension that is medically possible funded entirely by future generations who will be obligated to pay the money back

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089920)



Reply Favorite

Date: July 10th, 2025 11:49 AM
Author: high-end concupiscible gas station

(Donald Trump) (Joe Biden) (Barack Obama) (George W. Bush) (Bill Clinton)

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089938)



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Date: July 10th, 2025 12:07 PM
Author: beady-eyed deranged weed whacker kitty cat

(libs)(democrats)(poors)

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089982)



Reply Favorite

Date: July 10th, 2025 11:59 AM
Author: emerald circlehead chad

“I’m bitter, poor, and jewish”

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089962)



Reply Favorite

Date: July 10th, 2025 5:17 PM
Author: hateful pit



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090814)



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Date: July 10th, 2025 9:34 PM
Author: high-end concupiscible gas station

"Pension" was a concept for disabled military vets. Because you couldn't work so they'd give you cash. Then FDR comes along and they invent Social Security to try to get you to "retire" at 65 to create jobs for younger people because the economy was ass. Then FDR put in wage control so you couldn't give real raises and companies instead gave you a "pension" to circumvent the wage controls. It's all complete and total flaem.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091825)



Reply Favorite

Date: July 10th, 2025 11:45 AM
Author: vivacious step-uncle's house pervert

half the people in the country are from places normal americans couldnt point out on a map.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089927)



Reply Favorite

Date: July 10th, 2025 11:53 AM
Author: Charismatic den degenerate

"I am not going to save/invest because I don't know where this mud that just walked past me and I will never see again is from!" bellowed the angry birdshit.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49089949)



Reply Favorite

Date: July 10th, 2025 1:16 PM
Author: greedy persian set

I'm old enough to remember a few places that still had pensions when I was starting out.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090149)



Reply Favorite

Date: July 10th, 2025 1:43 PM
Author: angry ticket booth hominid

in any sane country the government would be requiring employers to withhold a fixed percentage of an EE's salary and applying it to a target date 401k but MUH FREEDOMS require you to be poor and begging for government handouts at age 70 i guess

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090258)



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Date: July 10th, 2025 1:45 PM
Author: razzmatazz heaven mood

target date funds suck, and proles would just take out 401k loans anyways.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090268)



Reply Favorite

Date: July 10th, 2025 1:47 PM
Author: angry ticket booth hominid

hear me out. we could prevent them from taking 401k loans.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090280)



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Date: July 10th, 2025 2:52 PM
Author: vermilion hairraiser marketing idea mexican

they do suck, but they're better than booming away 95% of your earnings and winding up with 63k in retirement savings at 60 years old.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090466)



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Date: July 10th, 2025 1:57 PM
Author: Hideous Tripping Immigrant Hell

Forcing everyone to self-fund their own retirement savings results in inefficient over-investment and under-consumption. The issue is that if forces everyone to self-insure against longevity risk, which requires much, much more capital than risk sharing.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090303)



Reply Favorite

Date: July 10th, 2025 2:04 PM
Author: angry ticket booth hominid

"risk sharing" is inefficient and code for needless bureaucracy and expense, whether that's pensions or ss

lol oh no, overinvestment! underconsumption!

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090331)



Reply Favorite

Date: July 10th, 2025 2:29 PM
Author: Hideous Tripping Immigrant Hell

You seem deeply stupid

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090408)



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Date: July 10th, 2025 2:38 PM
Author: angry ticket booth hominid

Oh no, overinvestment and underconsumption! the exact problems we are trying to solve! lol, dummy

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090438)



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Date: July 10th, 2025 2:16 PM
Author: beady-eyed deranged weed whacker kitty cat

yeah, if people only had over 40 years to plan ahead

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090368)



Reply Favorite

Date: July 10th, 2025 2:35 PM
Author: Hideous Tripping Immigrant Hell

You're thinking about this entirely wrong. A person can of course spend 40 years planning ahead and come out better off than most people (who do not plan ahead at all). If instead everyone is forced to "plan ahead" valuations skyrocket (because people are being forced to save, and have no choice but to buy into some investment) while fundamentals deteriorate because actual consumption is deferred. If everyone does that, they don't end up richer, they just end up owning a bunch of stocks with horrible P/E ratios. And if the answer is that it's OK because the next generation is also being forced to save, so they also have to buy the already inflated stocks at an even higher valuation, then great, you just made social security, except way more expensive.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090428)



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Date: July 10th, 2025 3:53 PM
Author: beady-eyed deranged weed whacker kitty cat

not everyone is forced to plan ahead. that's why we have so many fucking poors.

people who do plan ahead should be better off than those who don't

whenever you have people involving the government in social policies, they will fuck it up. it follows that the goals of social policy should focus on the bare minimum necessary to achieve the goal. people should be incentivized to achieve far more than the guaranteed minimum.

i agree with a point you are making which is why i was and remain against social security investing in or permitting beneficiaries to invest in the stock market. not entirely because of your point, but that is one of the reasons

it's not like there aren't many other options besides the stock market for people to invest in. and it's not like the stock market doesn't consist of stocks all over the world and in different markets or industries, etc

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090586)



Reply Favorite

Date: July 10th, 2025 3:10 PM
Author: Plum blathering nibblets

No it doesn't. If somebody wants to guard against longevity risk, the person can just buy a SPIA. It's much harder to sell a pension.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090506)



Reply Favorite

Date: July 10th, 2025 2:35 PM
Author: Multi-colored Address Digit Ratio

That’s what SS is.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090426)



Reply Favorite

Date: July 10th, 2025 2:38 PM
Author: angry ticket booth hominid

in treasuries, not in stocks

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090436)



Reply Favorite

Date: July 10th, 2025 2:47 PM
Author: Multi-colored Address Digit Ratio

Are you saying that proles should Buy High

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090457)



Reply Favorite

Date: July 10th, 2025 2:36 PM
Author: Indecent hairy legs really tough guy

it’s a vehicle for proles with poor self control

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090431)



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Date: July 10th, 2025 2:53 PM
Author: vermilion hairraiser marketing idea mexican

literal retard take, especially if someone has access to a 401k roth option, which most people seem to have at this point.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090469)



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Date: July 10th, 2025 3:08 PM
Author: Indecent hairy legs really tough guy

sorry you can’t find better ways to invest your money bro

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090501)



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Date: July 10th, 2025 4:02 PM
Author: vermilion hairraiser marketing idea mexican

explain where your money is invested that's beating the s&p over a 20-30 year time horizon. i'll forgo the tax benefits of a 401(k) for that.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090600)



Reply Favorite

Date: July 10th, 2025 4:28 PM
Author: Indecent hairy legs really tough guy

you’re making some incredible assumptions here

good luck

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090674)



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Date: July 10th, 2025 4:30 PM
Author: Lake Erotic Location

it was pretty bold of zurich to assume you have any money to invest

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090681)



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Date: July 10th, 2025 4:32 PM
Author: Indecent hairy legs really tough guy

oh look the wagecucks are circling the wagons

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090689)



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Date: July 10th, 2025 4:53 PM
Author: Lake Erotic Location

refusing to answer a pointed question is circling the wagons retard. you always do this when someone tries to pin you down on a position.

you could just say what you believe to be a better investment vehicle. but you're terrified to be wrong online, so you just post adhoms and vague shit. it's consuela-tier.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090761)



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Date: July 10th, 2025 5:17 PM
Author: Indecent hairy legs really tough guy

I’ve said it many times that there’s nothing better than a business, and that having passive real estate that pays you (instead of the liability that is your primary home) is 180 as well

xo fags who do the same shit the middle class masses do just don’t like the answers

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090813)



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Date: July 10th, 2025 8:18 PM
Author: vermilion hairraiser marketing idea mexican

got it, so i should just start a business with all my free time

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091534)



Reply Favorite

Date: July 10th, 2025 8:25 PM
Author: Indecent hairy legs really tough guy

or be a wagecuck hoping that inflation doesnt destroy your wealth (it will)

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091566)



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Date: July 10th, 2025 8:39 PM
Author: vermilion hairraiser marketing idea mexican

You’re sounding like sealclubber man. Step away from the computer for a little bit.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091614)



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Date: July 10th, 2025 3:30 PM
Author: Charismatic den degenerate

the opposite, actually

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090543)



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Date: July 10th, 2025 4:02 PM
Author: vermilion hairraiser marketing idea mexican

no, ur wrong. poors with no self-control all plow money into 401(k)s and have huge balances.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090602)



Reply Favorite

Date: July 10th, 2025 5:00 PM
Author: Charismatic den degenerate



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090771)



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Date: July 10th, 2025 5:01 PM
Author: Lake Erotic Location



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090773)



Reply Favorite

Date: July 10th, 2025 5:20 PM
Author: Splenetic University Goyim



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090821)



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Date: July 10th, 2025 3:13 PM
Author: Lake Erotic Location

eliminating pensions and making fixed income uncompetitive with securities was a massive windfall for the wealthy as people have no choice to be invest in assets that inflate endlessly regardless of their actual value.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090514)



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Date: July 10th, 2025 3:14 PM
Author: Provocative Filthy Base

No, but it is true that they were created to pass investment risk from the businesses to the employees.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49090516)



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Date: July 10th, 2025 6:57 PM
Author: hateful pit

Getting rid of 401ks doesn't necessarily mean that pensions would come back. It is odd that employers are expected to contribute to either.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091196)



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Date: July 10th, 2025 11:23 PM
Author: beady-eyed deranged weed whacker kitty cat



(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092136)



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Date: July 10th, 2025 9:37 PM
Author: razzle-dazzle olive gay wizard abode

401ks make more sense than pensions. Remember, at its peak apparently 40% of people were part of a pension plan - a huge umber of that probably never saw a dime. Many of those also went bust up even if they did qualify.

The US job market is much more fluid now so you need a much more fluid solution.

Plus, a pension basically would require you to put total trust in your corporate employer. Public companies are basically required to be evil. Any time you had a bad earnings call, an army of HR people would examine creative ways to fuck over employees and relieve the long term pension obligation.

It's a safer result for you and your employee to put your retirement money in your own account.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091834)



Reply Favorite

Date: July 10th, 2025 11:12 PM
Author: Swashbuckling pisswyrm brethren

Both the 401(k) and the pension are legacies of a bygone era where employers sort of looked after employees for life. For the reasons you mention, there should be no employer retirement plans, and employers should just pay the money to employees and it’s up to the employees to figure out what to do with their money. Government can pass all of the tax benefits on to the individual taxpayers.

These convoluted mechanisms for retirement funding are not necessary and make it harder for regular folks to get what they earn and easier for business owners to pay themselves more in sheltered ways.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092096)



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Date: July 10th, 2025 11:28 PM
Author: beady-eyed deranged weed whacker kitty cat

the conversation needs to be divided between pensions provided by

private companies

local municipalities

states, and

federal

and perhaps more divisions are worth discussing

all of the above have important differences

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092151)



Reply Favorite

Date: July 11th, 2025 11:25 AM
Author: Cracking thirsty casino

Why did they never see a dime?

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092866)



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Date: July 10th, 2025 9:57 PM
Author: Fragrant Gunner Plaza

At my first job, I had the option of either a traditional pension or having my employer contribute the money that would have gone into the pension fund into a 401k-type plan. I ran the numbers, and even if I assumed extremely conservative stock market returns, if I contributed to the 401k plan until the vesting date for the pension and immediately converted it into an immediate annuity, I would end up with a monthly benefit that was far greater than the monthly pension benefit.

TLDR: Pensions are flame. The only benefit of a pension is that it prevents you from contributing 0% to your 401k and buying an $80k truck instead. If you are a non-stupid investor, you will end up with far more money in retirement if you contribute to a 401k.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49091877)



Reply Favorite

Date: July 11th, 2025 9:18 AM
Author: Henna Rebellious Pistol

the mixed system the US has with forced savings via SS, plus additional 401k savings you can do yourself, seems like a decent compromise. doing one or the other entirely both have huge pitfalls. most people are retarded and simply wont save if you dont Force them to, but pensions blow up and slash benefits all the time

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092618)



Reply Favorite

Date: July 11th, 2025 11:24 AM
Author: Swashbuckling pisswyrm brethren

Dumb take. Don’t force people to save. Make employers pay them and then they’re on their own in old age. Pensions and retirement culture is a profound disease. Nobody should retire. If you’re disabled and can’t work that’s one thing, but nobody should be allowed to just stop working because they’re angry or sad or just can’t hack it. Get back in.

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092864)



Reply Favorite

Date: July 11th, 2025 11:37 AM
Author: Henna Rebellious Pistol

stfu

(http://www.autoadmit.com/thread.php?thread_id=5748657&forum_id=2#49092894)