I agree completely I wasn’t offering up why we shouldn’t do it. I think the current generation coming into adulthood will probably be better at managing money in the long term. That is the ones who properly plan for retirement at least. They are looking at an employment environment of very few defined benefit retirement plans and questionable federal retirement safety nets. The smart one will figure it out and I think there are a lot of smart ones.There would undoubtedly be Americans who took the lump sum and effed it up.
Personal Responsibility
Have to take the short term hit (payouts & pain) to get out from under this behemoth.
No clue. I definitely wouldn’t do it alone. Probably go to my aunt’s house in the middle of nowhere South Carolina since they’re preppers and have a farm already, so even if I lasted a while I’d have cheated a bit.How long would you last if the grid goes down and food isn't found in stores?
The point is that "don't know how to do anything" is relative. Take away the ease of modern life you enjoy and that phrase means something very different. Blanket accusations like that are rarely accurate or helpfulNo clue. I definitely wouldn’t do it alone. Probably go to my aunt’s house in the middle of nowhere South Carolina since they’re preppers and have a farm already, so even if I lasted a while I’d have cheated a bit.
Humans are adaptable. Some more than others. Even those soft kids my age will have a good bit of them figure it out.
Want to fix SS as it’s not as complicated as everyone wants to believe. First, quit treating it like a welfare program and return it to the paid benefit program it was designed to be. Everyone’s benefit is tied directly to their contributions. All the others receiving unearned benefits roll onto separate welfare programs not lumped into SS. This includes the spousal benefit for non SS contributing spouses. Remove the max contribution limit. If still not balanced, raise the age to draw benefits another year. I’m not drawing benefits yet but have paid well over $100K range over 45 years. Those dollars invested would be well over a million now and would buy an annuity paying much more than my SS benefits will ever be. Only thing wrong with SS is all the free loaders who are allowed to draw from it.Nah you’re right I don’t blame you. I’m 10 years from planned start of benefits and I expect a 20% haircut. That’s what I’ve got in my model right now. But you’re gonna get royally screwed with no reach around. We are about to be way upside down on payouts vs revenue with our old boomer asses retiring and not dying fast enough. They are gonna increase the individual percentage, the maximum taxable income, and without increasing benefits for you. You guys should act now and get the death panels added to the ACA and Medicare to off our worn out old asses.
Don’t disagree with any of your assertions or proposals.Want to fix SS as it’s not as complicated as everyone wants to believe. First, quit treating it like a welfare program and return it to the paid benefit program it was designed to be. Everyone’s benefit is tied directly to their contributions. All the others receiving unearned benefits roll onto separate welfare programs not lumped into SS. This includes the spousal benefit for non SS contributing spouses. Remove the max contribution limit. If still not balanced, raise the age to draw benefits another year. I’m not drawing benefits yet but have paid well over $100K range over 45 years. Those dollars invested would be well over a million now and would buy an annuity paying much more than my SS benefits will ever be. Only thing wrong with SS is all the free loaders who are allowed to draw from it.
Yeah insane, another 19 years, they'll identify as pedophiles or have pedophilia desiresNearly 40 percent of U.S. Gen Zs, 30 percent of young Christians identify as LGBTQ, poll shows
“We’re not indoctrinating your children.”
In a situation like that, do you think they would be welcoming folks coming in from all over the southeast?No clue. I definitely wouldn’t do it alone. Probably go to my aunt’s house in the middle of nowhere South Carolina since they’re preppers and have a farm already, so even if I lasted a while I’d have cheated a bit.
Humans are adaptable. Some more than others. Even those soft kids my age will have a good bit of them figure it out.
Yes that is what I mean by the current model. If they make adjustments it will last longer, and they will likely do that. But that adjustment just further hurts the younger group, which is why I want to end or completely change it before I get to draw from itBy “this model of SS lasts till 2035”, what that means is the surplus in the trust fund will be drawn down to zero without adjusting ANY of the variables. It would only require small changes to the various components to push the 2035 date much further out. The ages to receive full or reduced benefits can be extended (the youngest Boomers have already been hit with this). The 6.2% tax (x 2) can be raised a slight amount. The COLAs can be frozen or reduced. A pandemic can be engineered and released to kill off the oldest participants sooner… wait.
Worst case scenario (with no adjustments made to the variables) is that the benefits (after administrative costs) payed out every year equal what is collected… probably something like a 40% reduction in benefits.
Yes that is what I mean by the current model. If they make adjustments it will last longer, and they will likely do that. But that adjustment just further hurts the younger group, which is why I want to end or completely change it before I get to draw from it
The break even point on money paid in vs money out is already stupid low, based on some set of years receiving. I think its below 50k of income. So if they do a 20 or 40% reduction that break even point goes down even lower.
No. They all didn't.
There actually is evidence. Use Google next time before you say something so absolute and ignorant.
Ganna’s research revealed there are a number of genetic variations that can influence sexual behavior, even though the paper published today in the Journal Science doesn’t name the ingredients for what exactly causes a human being to deviate from the most common form of sexual orientation: heterosexuality.
The researchers’ analysis identified five genes which are clearly connected with same-sex sexual attraction. While the variations in these genes are not enough to raise a rainbow flag and label anyone as unquestionably gay, the researchers say these biological variants may at the very least partly influence sexual behavior.
The 'Gay Gene' Is A Myth But Being Gay Is 'Natural,' Say Scientists
My personal anecdote says it wouldn’t surprise me but mostly because of women. I don’t think I know a woman from my college days who doesn’t describe herself as at least bi. LGBT rise and simultaneous rise of hatred towards men definitely to blame. I definitely noticed a lot more gay looking men, but I couldn’t confirm if they were or not because I didn’t talk to them as much as the women when I was in college for obvious reasons lol.