patrick.net

JH says

You are absolutely right that if someone invests even a small amount of their income on top of SS, they will be fine (assuming they have paid off their home, HELOCs, cars, and student loans, and they can work until or beyond 67). But the reality is that most have not. And the second reality is that they are going to 1) run SS dry, 2) run medicare dry, and 3) charge their kids' generation a LOT of money for their homes.

Yeah, that's the biggest problem -- that's why I make a distinction between the retirement that people desire vs. what they deserve. I look at some Baby Boomers right now and think, "You spent all your money, bitches!" especially when you consider that they got cheap education, cheap housing, and a lot of them got pensions, and the heart of their earning years were in a 25 year bull market.

jazz music says

Wow, this is the most lengthy and honest thought you have ever posted. And it almost makes me regret putting you on ignore.

It wasn't me who said the above.
You talk about freedoms and then put me on ignore, basically denying me my constitutional rights.
Why would anyone want to put anyone on ignore? It's the internet. Relax.

jazz music says

And it almost makes me regret putting you on ignore.

My wife is always putting me on ignore....most of the time I never even find out why. There is no "Hello, how was you day" no dinner, and no explanation. So I'm forced to go to the "Yard House" have some good beer, good food, flirt with bartender or some half drunk beauty sitting next to me.
And when I get home my wife thinks I was punished. LOL.