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re: IMO life in this country doesn’t pencil unless you really make an effort to buy equities.
Posted on 7/10/26 at 7:35 pm to T1gerNate
Posted on 7/10/26 at 7:35 pm to T1gerNate
quote:
My advice for my fellow wage cucks is this, avoid consumer debt and sacrifice everything you can to buy low cost ETFs tied to the big indexes.
Or just get a financial advisor to do this for you.
if you control the spending side of the equation then you can retire extremely successfully.
0
Posted on 7/10/26 at 7:43 pm to JohnnyKilroy
quote:
Those have all been very popular in American culture for many, many decades.
Yes but they were significantly different. What was considered extremely extravagant back then has become the norm today.
This post was edited on 7/10/26 at 7:45 pm
Posted on 7/10/26 at 8:19 pm to armytiger96
quote:
Yes but they were significantly different. What was considered extremely extravagant back then has become the norm today.
Whatever you say gramps
Posted on 7/10/26 at 8:20 pm to Antonio Moss
quote:
That isn’t the fault of big bad corporations; it’s because the federal reserve makes retarded decisions at the behest of the retarded politicians in office.
Yep. And our politicians are famously free of corporate influence.
Posted on 7/10/26 at 8:32 pm to TorchtheFlyingTiger
quote:
Solid advice minus the anti corporate, class warfare ranting. It's never been easier or cheaper for average people to access the market and information necessary to invest wisely and make smart financial decisions. No other system or time in human history has presented the typical person more opportunity to build wealth and live an extremely comfortable lifestyle.
Thank goodness the finance guys gamified America to where the average person has to gamble to beat inflation so that he doesn’t starve in his old age I would hate to be like my paw paw and collect a pension after working a cool job for 30 years and draw on it for 40 years. And my maw maw didn’t even have to work, wow people were so anti feminist back then. Thanks Epstein class for saving us
Posted on 7/10/26 at 8:38 pm to Shorts Guy
quote:
People don’t like to let their kids drive beaters anymore. When I was a teen, you were lucky to get a shitty S-10 or your grandpa’s old farm truck that didn’t like to start.
There are no beaters anymore because y’all allowed Mexicans to come to car auctions in America and drive them all back to Mexico in convoys
The reason our lives get worse and worse every year is because y’all look down on everyone for instance “why don’t the millenials drive s10s like Gen X did!!” Because we never have any kind of solidarity the corps pick us apart separately
Posted on 7/10/26 at 8:44 pm to el Gaucho
quote:
I would hate to be like my paw paw and collect a pension after working a cool job for 30 years and draw on it for 40 years.
And people wonder why businesses outsourced and left for greener pastures.
The audacity to believe someone should get paid for 70 years for 30 years of work.
Posted on 7/10/26 at 8:46 pm to T1gerNate
I max out my 401k in S&P index funds
Roth IRA is for Bitcoin
Roth IRA is for Bitcoin
Posted on 7/10/26 at 8:49 pm to JohnnyKilroy
quote:
Whatever you say gramps
quote:
Whatever you say gramps
Maybe you should consider learning from your elders!
And by the way in the 80's Disney trips weren't unheard of; however, they were more of a once in a lifetime vacation and not the annual Mardi Gras trip that it has become today.
Posted on 7/10/26 at 8:50 pm to el Gaucho
Pensions can fail and workers had to stick it out with same employer for decades. The 401k and IRAs haven given workers more control over their own assets and flexibility to seek better opportunities. Unfortunately,. most people dont have the self discipline to properly fund and avoid raiding their own retirement accounts.
Ironic that some of the same voices raging against the corporate machine long for the good old days of dependency on corporate pensions.
The government still offers pensions if that's what you desire. Mine is great but I endured a lot to earn it and missed out on better opportunities and quality of life. I also invested heavily and consistently from early in my career so I could control my own financial freedom. It's never ideal to depend on a single company or even the government to provide for your old age.
Ironic that some of the same voices raging against the corporate machine long for the good old days of dependency on corporate pensions.
The government still offers pensions if that's what you desire. Mine is great but I endured a lot to earn it and missed out on better opportunities and quality of life. I also invested heavily and consistently from early in my career so I could control my own financial freedom. It's never ideal to depend on a single company or even the government to provide for your old age.
Posted on 7/10/26 at 8:54 pm to T1gerNate
Until the Democrats raid your investment accounts to pay for a retirement for all the gig workers.
Posted on 7/10/26 at 8:56 pm to Antonio Moss
quote:
And people wonder why businesses outsourced and left for greener pastures.
The audacity to believe someone should get paid for 70 years for 30 years of work.
Sorry your people died at 65 like the actuaries predicted and mine won
When labor wins one small victory over capital, capital flips the chess board and moves the game to a different country with no laws. The consumer ends up with a washing machine that breaks in 3 years. Because nobody takes a stand against offshoring we end up with inshoring where half of texas is Hindu or muslim
You gotta pick your battles and it’s better to fight battles before they’re already lost
Posted on 7/10/26 at 8:58 pm to Shorts Guy
quote:
Yes, a lot of things are more expensive than they were in 1980…new cars, college education, home prices.
Transport, education, and home more expensive. Yea that’s the plurality of almost every family’s budget.
quote:
When I was a teen, you were lucky to get a shitty S-10 or your grandpa’s old farm truck that didn’t like to start.
Cars don’t last 40 years anymore before they are cost prohibitive to fix due to the computerization of most components.
quote:
In terms of houses today, nobody wants to live in a fixer-upper, share a bathroom, or deal with anything less than a huge walk-in closet and the latest trends in everything.
That’s because it still cost $300,000 and it will cost you $50,000 at best to do anything worthwhile.
quote:
But looking back, the room I grew up in didn’t even have a closet. We got one pair of shoes per year (the cheapest Nikes or something IF you were lucky) and we’d better take care of them because that was all we were getting. And we all shared one bathroom. This wasn’t that long ago. And my parents did well by the standards of the area I grew up in.
Houses like the one you grew up in haven’t been built in any meaningful number since those specific homes were built post WW2 through the 80’s. It’s been 40 years plus. Those houses you grew up in are no longer in safe neighborhoods in places like say—BR or other southern locales.
Posted on 7/10/26 at 9:03 pm to TorchtheFlyingTiger
quote:
Pensions can fail
This is twofold
The dumbest finance kids become pension managers and other finance guys come around and get them to put the pot of money into bad investments or outright scams
The pension system had to fail because when every worker has to put their money into the stock market it has to go up
Posted on 7/10/26 at 9:03 pm to el Gaucho
Sorry your people died at 65 like the actuaries predicted and mine won
When labor wins one small victory over capital, capital flips the chess board and moves the game to a different country with no
The tone deafness of this post is outstanding. Labor killed their own industries with greed and then cry victim.
When labor wins one small victory over capital, capital flips the chess board and moves the game to a different country with no
quote:
laws. The consumer ends up with a washing machine that breaks in 3 years. Because nobody takes a stand against offshoring we end up with inshoring where half of texas is Hindu or muslim
You gotta pick your battles and it’s better to fight battles before they’re already lost
The tone deafness of this post is outstanding. Labor killed their own industries with greed and then cry victim.
Posted on 7/10/26 at 9:08 pm to armytiger96
quote:
And by the way in the 80's Disney trips weren't unheard of; however, they were more of a once in a lifetime vacation and not the annual Mardi Gras trip that it has become today.
The Magic Kingdom in Orlando had higher attendance in 1986 than it did in 2025 FYI.
24M went to Magic Kingdom in 1986. Less than 18M went to Magic Kingdom in 2024 and that number dropped in 2025
This post was edited on 7/10/26 at 9:11 pm
Posted on 7/10/26 at 9:10 pm to Antonio Moss
quote:
All that said, we have experienced above average inflation in the last two decades.
That's not true. Annualized inflation has been below average for the last 26 years at a rate of 2.5%.
The only years with inflation above 4% per year over the past 26 years was 2021-2023.
If we are being honest low inflation coupled with low interest rates during this period is the point of the main reason for this thread. They are the two main factors in allowing the standard of living to sky rocket over the past 26 years.
Three consecutive of years high inflation coupled with higher interest rates has ushered in the "we hate the Boomers era."
Posted on 7/10/26 at 9:14 pm to Antonio Moss
We have moved from a country where the national guard would have to be called in for labor disputes to a country where you are shamed for not wanting to go to the dei meeting and learn pronouns
Posted on 7/10/26 at 9:18 pm to armytiger96
quote:
Annualized inflation has been below average for the last 26 years at a rate of 2.5%.
The CPI has been 2.8% but the CPI excludes major expenditures like home prices, medical care, and college tuition which are all much, much higher than 2.8%. It’s really not a great metric as to the actual effect of inflation.
Posted on 7/10/26 at 9:24 pm to JohnnyKilroy
quote:
The Magic Kingdom in Orlando had higher attendance in 1986 than it did in 2025 FYI. 24M went to Magic Kingdom in 1986. Less than 18M went to Magic Kingdom in 2024 and that number dropped in 2025
These numbers are great and all but they have nothing to do with my post stating in the 1980's Disney was a once in a lifetime trip compared to today where for many families in south LA Disney has become an annual Mardi Gras trip.
If your not going to believe me perhaps you'll believe the Business Insider.
quote:
Historically, the frequency of family trips shifted as the resort expanded and travel economics evolved:1970s – 1980s: Once per childhood (0.5 to 1 trips per decade). Walt Disney World was treated almost exclusively as a long-haul, once-in-a-lifetime family destination. Families saved for years to experience the singular Magic Kingdom (and EPCOT later in 1982), staying for 3 to 4 days.
1990s – 2000s: Once every 5 to 10 years (1 to 2 trips per decade). With the opening of Disney-MGM Studios (1989) and Animal Kingdom (1998), the resort transformed into a multi-day, week-long destination. Middle-class families transitioned to planning trips roughly once a decade, taking advantage of more accessible airline pricing and value resort packages.
2010s – Present: Once every 3 to 5 years (2 to 3 trips per decade). Travel patterns shifted toward shorter, more frequent "long weekend" vacations. The rise of the Disney Vacation Club (DVC), out-of-state Annual Passes, and specialized ticket deals allowed dedicated Disney fans to visit annually or bi-annually, balancing out families who remain at a strict once-a-decade frequency due to rising
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