A Boring Dystopia

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Keep in mind that social security is set to run out in 10 years time. (lemmy.world)

submitted 11 months ago by STRIKINGdebate2@lemmy.world to c/aboringdystopia@lemmy.world

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[–] Hacksaw@lemmy.ca 21 points 11 months ago (4 children)

I don't think as many people as you imagine are choosing "wow I can't wait to barely be able to afford rent and food when I retire on a fixed income" as a PRIMARY retirement plan. I think a lot of people are having a hard time saving for retirement thanks to inflation and a stock market crash every 10 years, and are grateful that with social security they'll at least have SOMETHING. I wouldn't call that "choosing social security as the primary retirement plan" I'd call that "work your whole life and barely afford to survive when you're too old to work anymore"

I'm not sure that's something to blame or resent people over.

[–] Malfeasant@lemm.ee 7 points 11 months ago

Of course it is. If you as an individual can't accurately predict world economic conditions 40 years in advance, you are a complete failure of a person.

Should be obvious, but since people are stupid, /s

[–] chiliedogg@lemmy.world 3 points 11 months ago

I don't blame or resent people for using social security. I'm just saying the way it is used is not in alignment with the how it was int need, and that disconnect is why it's unfunded.

The cap on contributions should absolutely go away. In fact, it should be made progressive.

[–] abraxas@sh.itjust.works 2 points 11 months ago

and a stock market crash every 10 years

Need to have money in retirement to care about the stock market. If you had to liquidate retirement during COVID, yer just fucked. And got fucked for 3 years of "deferred taxes" on the emergency withdrawal as well.

It's funny what a 40 year older will do to NOT have to live on the street when push comes to shove.

[–] AA5B@lemmy.world 2 points 11 months ago

Or I’m “choosing” multiple financial disasters (including medical) despite more of a safety net than most Americans have. So I’m way too reliant on SS