The point is people say "I will make my own investments for retirements", but they do not - not a question of return. Like them or hate them - IRA/401k participation is proof that average Americans choose to not make retirement savings a priority.
PortaJohn
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unless they cheat, and you know they will....
Federal aid to Denver stops in 3... 2... 1...View attachment 8551130
Denver Mayor Declares War on Federal Law: Vows to Use Police and Citizens to Block Deportation of Illegal Migrants, Including Gang Members | The Gateway Pundit | by Jim Hᴏft
Democrat Mayor Mike Johnston of Denver, Colorado has declared war on President Trump’s efforts to enforce immigration policies.www.thegatewaypundit.com
** A quick reminder - esp with Gaetz / Smollet / ICBMS and silly mayors - most of this is for show. We really won't know what's what for at least 3 months.
Watch Out for Mike Rogers - Newly Resurfaced Information Should Terrify Any Trump Voter if Rogers Becomes Trump's FBI Director | The Gateway Pundit | by Jim Hoft
As Patty McMurray reported earlier, last week Trump supporters found themselves scratching their heads over the potential selection of former US Rep.
www.thegatewaypundit.com
Good grief.
Brit's need a British 1st party. Which I'm sure if they formed one. The Current parties would pass a law or use existing laws to shut it down and imprison its members!unless they cheat, and you know they will....
Fuck that guy!Watch Out for Mike Rogers - Newly Resurfaced Information Should Terrify Any Trump Voter if Rogers Becomes Trump's FBI Director | The Gateway Pundit | by Jim Hoft
As Patty McMurray reported earlier, last week Trump supporters found themselves scratching their heads over the potential selection of former US Rep.
Good grief.
French Farmers Dump Manure and Block Roads in Latest Round of Protests Against Mercosur Trade Agreement and ‘Green’ Failed Policies | The Gateway Pundit | by Paul Serran
The tragic situation of the European farmers is a by-product of the EU elites’ obsession with their ‘Net-zero’ fantasies, leading them to impose a whole host of crippling, failed agricultural policies, making farming in Europe difficult and expensive.
www.thegatewaypundit.com
Insanity: Poll Finds Democrat Voters Want Kamala Harris to Be Their Nominee Again in 2028 | The Gateway Pundit | by Cassandra MacDonald
Democrat voters want Kamala Harris to be their nominee again in 2028, according to a new poll.
www.thegatewaypundit.com
Looks like the Trump Vance train will continue in 2028 .J/k just because people don't want Whitmer, Newsome, or Pritzker doesn't mean they might not fall prey to a Joshua Shapiro or other candidate..
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We shall see. If the economy gets better, Vance will win against anyone. If it get worse well you know what happens then.Insanity: Poll Finds Democrat Voters Want Kamala Harris to Be Their Nominee Again in 2028 | The Gateway Pundit | by Cassandra MacDonald
Democrat voters want Kamala Harris to be their nominee again in 2028, according to a new poll.
Looks like the Trump Vance train will continue in 2028./k just because people don't want Whitmer, Newsome, or Pritzker doesn't mean they might not fall prey to a Joshua Shapiro or other candidate..
The two of them will die early do to type 2 diabetes
Asshole. I hope his family suffers a tragedy from an illegal. Shitty to say but Fuck Him, he doesn't give a shit about his citizens so Fuck Him. And I hope he lives until he is 100 regretting every minute.View attachment 8551130
Denver Mayor Declares War on Federal Law: Vows to Use Police and Citizens to Block Deportation of Illegal Migrants, Including Gang Members | The Gateway Pundit | by Jim Hᴏft
Democrat Mayor Mike Johnston of Denver, Colorado has declared war on President Trump’s efforts to enforce immigration policies.
** A quick reminder - esp with Gaetz / Smollet / ICBMS and silly mayors - most of this is for show. We really won't know what's what for at least 3 months.
"A woman shall not wear a man’s garment, nor shall a man put on a woman’s cloak, for whoever does these things is an abomination to the Lord your God." -Deuteronomy 22:5
Massage tip #235: Put on rubber gloves and apply liberal amounts of Ben-Gay.
Private businesses should be able to discriminate! They are not .gov!
nice job, dad, you fucking lowlife retard.
Good. Now his boss should be so distraught he kills himself.
Imprison his ass in the same dungeon as the Jan 6 detainees, at least four years.View attachment 8551130
Denver Mayor Declares War on Federal Law: Vows to Use Police and Citizens to Block Deportation of Illegal Migrants, Including Gang Members | The Gateway Pundit | by Jim Hᴏft
Democrat Mayor Mike Johnston of Denver, Colorado has declared war on President Trump’s efforts to enforce immigration policies.
** A quick reminder - esp with Gaetz / Smollet / ICBMS and silly mayors - most of this is for show. We really won't know what's what for at least 3 months.
You are completely missing the point and to be honest, with respect to what I said, you are completely wrong. Here is the scenario I am referring to as easy money:
Person A works for a company that matches 100% for the first 3% the employee contributes, and then matches 50% for the next 2%. If the employee puts 5% of his pre-tax dollars into his/her 401K the company then puts in 4% for a total of 9% of the persons salary. That is around an 80% ROI for the employee. NO inflation rate in the US would erode that rate of return to a point where it would be untenable. If that money was then dumped into a MM account, while the return is lower than inflation, it would reduce the impact of inflation even further. The company match in the 401K far exceeds ANY historic return from the stock market AND that was my sole point. Everything else you added was irrelevant to my point.
Don't lecture on me on how investments work, I have a good understanding of the process.
Where are is the feminists support for Mace?
laken's life was worth more than that of 10,000 of these subhumans. our country,culture and civilization is under attack,very much from the inside. they need protection as do our women and children. figure it out.
all wrong! leave nato. pull every tank,plane,bullet,trooper out of europe. let them deal with putin. we have an acute need for all of that on BOTH borders and inside of them.
scary precedent for what trump is trying to put in positions of influence and power.
he doesn't know he did it because he didn't. he is unaware as some have said prev. who gave the go is a good ? hildabeast,barry,soros,gates? would be interesting to know who currently is pulling the strings.
one of the biggest slimes...
i could come up with 4/5 ways to fix SS. i am an idiot and they would all suck. the problem for the future is inflation. it is a problem for every part of the economy. us boomers will likely mostly get by on pensions,ss,savings and lower levels of real needs day to day. gen x will be +/-. many will have investments,401s,etc. but not all will. mils,z are in trouble. you speak of a 60K income which is now needed to just get by. rents @ 2K,buying any house needing >100k incomes,cars and trucks going 20-90k+. major appliances needing replacement every 7 yr. food costs 3-5x in 80s. there is likely to be nothing left for saving/investing.
got no clue for a solution. but a warning. in history these kinds of unfixable problems have frequently caused massive social disruptions,wars and societal collapse.
pretty sure that's why the refused to show,
not only was a gang member allowed into our country, they literally flew him on taxpayer money to atlanta.
not only was a gang member allowed into our country, they literally flew him on taxpayer money to atlanta.
Nope, not wrong. Inflation can and does erode that initial ROI significantly over time. I understand where you are coming from, but that 80% ROI is only on 5% of your earnings and isn't the return it should be. You are still missing the time component along with taxes. Here's how much value the dollar has lost over the years:
2010: 31% - what cost $1 would cost $1.45 today - 1/3 of your 401K money is gone today. MM avg 0.17% (TOTAL LOSER)
2000: 45% - what cost $1 would cost $1.83 today - almost 1/2 of your money is gone today. MM avg 5.89%
1995: 52% - what cost $1 would cost $2.07 today - just above 1/2 of your money is gone today. MM avg was 5.48%
1980: 74% - what cost $1 would cost $3.83 today - 3/4 of your money is gone today. (401K first opened) MM avg 12.68%.
See the problem? And the kicker is that the 80% ROI in your example is ONLY on 5% of your earnings. The longer you live the more of that you lose to inflation, and you STILL have to pay taxes on top of that when you pull it out. This is the price of monetary inflation that our elected officials have burdened us with. Inflation over time is eroding the purchasing power in real terms.
Then assume you retire and pull in $80K annually from your traditional 401K, which is not too shabby all things considered. The tax rate for that is 19% after calculating the progressive tax ladder, which knocks a hole in the money market returns and may even eat into your principal in real terms causing a loss. So you get $64.7K annually after tax - $5400 per month.
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My point is that SS is a racket, we all know that. But the 401K is not without its problems either and must be actively managed.
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If I'm being honest, I think inflation will be the thing that causes many to work until they die or are unable to and will then be in poverty until they die.
