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It’s as if you’ve never heard of asset allocation.
Ah yes, the thing the average working class person needs to understand in order to retire.
Bro, your choice. I find it quite odd that you’re unable to see the wisdom of holding assets that appreciate with time.
It’s not especially hard to grasp these concepts. I’m teaching them to my 10-year old.
I guess the people whose income hasn't kept up with productivity should be spending the money they don't have on assets that appreciate with time instead of taking advantage of employer 401k matching. Great advice!
By your own admission, you know 3 people with retirement accounts. I’m not talking about people without a single dollar of discretionary income, and nor were you - at least not before you engaged in this discussion, in defense of what is clearly a dogmatic view.
Why don’t we stop this, you go your way, I’ll go mine.
I knew three people with retirement accounts who wanted to retire around 2009.
I also know a lot of other people with a wide variety of retirement accounts, pensions, and other investments. I have savings in IRAs, 401k, and will receive both state and federal retirement payments.
But since you apparently think I can only know the things I mentioned this is clearly unproductive.