re: Not saving for retirement = freeloader

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Sounds like you're a shitty investor.

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If so, I have plenty of company. The market experienced a severe correction between the summer and early fall of 2015. While the devaluation of my portfolio–approximately 22 percent–was certainly greater than average, I was hardly the only investor who took a hit during that period.

My investment firm, CSSC Investment Advisory Services of Troy, MI, is as reputable as any other I'm sure, so this wasn't a matter of reckless investing on my part. As I wrote before, I put the experience in the shite Happens file.

If you, through the financial acumen you apparently possess, managed to avoid any losses during that period, good for you.

My point though, was that even people who plan prudently for retirement can be blindsided by unforeseen circumstances, events that significantly erode or wipe out their accumulated wealth. We are hardly the freeloaders the OP imagines us to be.