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Everyone should be able to retire after working for 20 years, amirite?
by New-Buy2 days ago
And how do we pay for everyone who works for 20 years and retires at 45?
by Noeldouglas2 days ago
Countries are already struggling to pay for the current pensions lol.
by Anonymous2 days ago
Because they continue to lower taxes for the wealthy. Or don't tax them properly from the get go.
by Anonymous2 days ago
A 100% income tax for everybody earning more than 200 000 EUR per year in Germany (where they are already highly taxed at 40% income tax) assuming they pay it up and don't leave, would raise at the highest 100 billion EUR per year and at most allow a 45% increase to the current 216 billion EUR German retirement and pension budget, only enough to sustain the system at current retirement age until about 2050 due to the aging population. The amount of money pensions and retirement eat up eclipses anything else that the government spends on, in Europe 25-30% of the entire government budget going to pensions and retirement is normal and that's with 20% or so of the population retired.
by AbbreviationsKey70342 days ago
If you somehow took ALL the assets from every US billionaire and liquidated everything without losing any value, you'd fund the US government for a little less than a year. This isn't a tax problem… it's a spending one
by Celestinokeelin2 days ago
Yep. Are the taxes a problem? Yes, but we spend way too damn much on things that don't help the people in the long run.
by Anonymous2 days ago
You forgot multimillionaires, collectively they have an estimated 70 trillion. Or about 9 years. Besides, people still work, just less long. 20y is a bit ridiculous but it could be lower if taxes are paid fairly.
by Current_Departure4082 days ago
True wealth doesn't have income to tax. Unless you think taxing someone who is earning 200k+ is taxing wealthy
by Anonymous2 days ago
Capital gains tax would only be a start. The greatest economic expansion in USian history happened when they had 90% tax on money made over a certain amount (~400k I think ?).
by Anonymous2 days ago
Lmao that didn't take long
by Anonymous2 days ago
found the billionaires bootlicker XD
by Anonymous2 days ago
Math is bootlicking
by Anonymous2 days ago
People just do not understand numbers at this scale. They see "Elon Musk is worth $400B" and think "well there's the problem!!11!". If the government seized all of Musk's wealth (which is impossible, because 99.9%+ of it is company equity that would crash in value if liquidated, but for the sake of argument), everyone in the country could get a one time cash payment of ~$1150. That's it. That would buy most families a couple of weeks, not 30+ years of retirement.
by Anonymous2 days ago
Yeah kind of like how all the resources we're spending to punish, arrest, and harassment the homeless population could go to housing them and cost less! We're making purposeful choices to harm our population AND spending more to do so. If we set up society the way other countries did and taxed millionaires and billionaires the way we should we could all live considerably better lives. This has been proven time and time and time again. With data, with numbers, with the math, but you all still bootlick anyway.
by douglasjazmin2 days ago
How exactly is this bootlicking? European countries with some of the strongest progressive tax schemes are actively running out of money because of their welfare states.
by Classic-Sugar2 days ago
What grade did you drop out of school? Was it double or single digits?
by LazyFly43522 days ago
Hey I'm not the one begging them for money, I live a fine life without them
by Anonymous2 days ago
Suggest you look up pre-Reagan American income tax rates. Then look up the US national debt over time. Nothing to see there
by Anonymous2 days ago
Trust me, the quality of life of billionaires and and people with 100+ million would not be impacted in the slightest by higher taxes but the quality of life of the middle and lower class could improve significantly
by Fine-Athlete2 days ago
Prove it
by Ok-Grab-8562 days ago
Their lives would not improve signifcantly. It's down to how the government would then proceed to spend that money. My country wastes billions a year on pointless and unncessary things.
by Anonymous2 days ago
I mean...I think 20 years is a bit much, but honestly people should be able to retire at 60 and yes, the owner of the company that benefited from 35-40 years of their labor probably should pay for it.
by Trantowmortimer2 days ago
Ding ding ding. That billionaires exist is evidence of a massive failure of society. Rewards innovation, reward hard work, reward taking risk. But scale the mandatory contributions back into society with that success. By the time wealth is approaching $1B, that person should be paying in 90%+ of their income back to the greater good and 10%+ of their wealth annually. They didn't accrete that income and wealth based on their intelligence or hard work alone, it was a combination of luck, timing, and a society that enabled it. Time to pay it forward, whether voluntarily (pay workers more) or mandatorily (pay more in taxes).
by Ok_Entry2 days ago
No, it's because the system is broken. The private sector does a much better job providing for retirement than the government does. Paying more money into a broken system doesn't suddenly fix this.
by gardner821 day ago
How is the private sector better ?
by Anonymous1 day ago
Social Security expects to pay a median wage earner (earning ~$60,000 per year) about $2500 per month at retirement. When they die, their dependents receive nothing from the Government. A federal minumim wage earner (earning ~$15,000 per year), contributing the same 12.4% that goes into Social Security, into a 401k, the private sector equivalent of Social Security, would have over $3 million dollars in their account by retirement time. At a 4% safe withdrawal rate, that is $10,000 per month, 4x more than a median earner would receive. And then when they die their dependents inherit $3 million, wiping out poverty for that family, forever.
by gardner821 day ago
Yeah because we're all part of the same decision of propping up billionaires
by Anonymous1 day ago
Not to mention those who start work at 18 and get to retire at 38. I'll take that deal if I can get it.
by noeliaturner1 day ago
Join the military
by domenick551 day ago
There was a depressed alcoholic in a snazzy uniform trying to tell you smh
by domenick551 day ago
Join the military. There's people who get early retirement before twenty years there. I've met 36yr old veterans who were retired
by No_Dimension47091 day ago
There are also people who got blown up/shot/diagnosed with PTSD...
by Anonymous1 day ago
You tax the people with all the money. Worker makes $15 an hour and the CEO makes 156,000,000.
by Lacymorissette1 day ago
I'd bet in a perfect system of resource management it would be entirely possible for everyone to retire at 45. I mean that could never actually happen, but its theoretically possible in my opinion.
by Plenty_Wallaby1 day ago
Everyone would just have to accept a much lower standard of living.
by Anonymous1 day ago
Little realities like that don't factor into fantasies like this.
by Anonymous1 day ago
Uhm sweety the billionaires will pay for it obviously. Hope this helps
by Anonymous1 day ago
How do we pay for an entire class of people who do no actual productive labor now?
by Amina081 day ago
Tell the fed to make more money for people instead of doing it to bail out corps
by Anonymous1 day ago
If AI is supposed to be so damn efficient, I'm sure with a proper social program it would be able to spread the wealth and efficiency generated to everyone.
by Anonymous1 day ago
OP is a bit overly optimistic, but people used to work 30 years and retire with a pension. That was how things worked for a long time.
by corrine841 day ago
AI, duh. That's what it's for. /s (It should be)
by Right_Explanation9481 day ago
Hear me out: we tax billionaires until there aren't billionaires
by New-Buy1 day ago
You tax machines, consumption, and AI, obviously.
by Legitimate-Yam6461 day ago
Billionaires yacht money
by Csanford1 day ago
We already pay so much in taxes. It's just the gov hoarding and funneling the money to wall st. If they actually used the money responsibly we'd be miles ahead of Europe and Asia but instead we have identity politics.
by Anonymous1 day ago
Total U.S. tax revenue is ~5 trillion. The U.S. population above the age of 40 is ~200 million. If you equally distributed all of that tax revenue, that is $25,000 per person, so no, this plan is completely impossible. That doesn't take into account that a huge portion of the current workforce has been working for more than 20yrs, and you would lose all their revenue. Also you need to fund other parts of the government too.
by Anonymous1 day ago
Miles ahead in what metric?
by Anonymous1 day ago
Fine, kilometres ahead
by Anonymous1 day ago
Any metric that employment also addresses.
by AdMaterial79301 day ago
Listen I'm all for complaining about the government but this is just incorrect. We know where the money is going: Old people (social security) Health care (Medicare, Medicaid) The military Interest on the debt That's like 80% of the federal budget right there.
by Elton391 day ago
By not giving the absolute vast majority of wealth to like 10% of the population
by Anonymous1 day ago
That's great in theory, but it's the system that we have. Is a windfall on every person with intergenerational wealth really workable?
by Noeldouglas1 day ago
More equal wealth distribution and the eradication of the parasitic billionaire class. Many young retirees would also volunteer for civic functions which would help alleviate cost burden too
by Anonymous1 day ago
‘Everyone should be able to retire after 20 years' and ‘we need to massively redistribute wealth on a societal scale' aren't the same conversation though
by Noeldouglas1 day ago
You asked how and I answered.
by Anonymous1 day ago
So… retire early so you can work for free???
by FeedRevolutionary4131 day ago
Most people get bored in retirement and helping others helps yourself. Also, there is more than enough production (through t3chbinnovation) and wealth to make up for it without volunteerism, you have to go after the vast quantities of wealth that go untaxed and sucked out of the economy in tax havens.
by Anonymous1 day ago
So people still work they just dont get paid anymore. Great system.
by Anonymous1 day ago
tAX tHE rIIIIiIiIiCh!
by Anonymous1 day ago
By taxing the rich. Literally no one needs more than 250k a year. There are people making 1000xs that…
by Anonymous1 day ago
Literally no one needs more than 250k a year. Sorry bro, some of us want a nice existence in a major city, with good quality education for our kids and good health coverage for our elderly, and are willing to work hard for that. Saying nobody needs more than 250k is incredibly naive and out of touch.
by Limp_Bodybuilder1 day ago
You can say that about people who make 250k a month or in a day. But for people who make 250k a year is ridiculous. That's like middle class in some cities
by Anonymous1 day ago
So you just want a country without surgeons nice
by Anonymous1 day ago
So you don't live in high cost areas i bet. 250k can be ok middle class there.
by Anonymous1 day ago
No they don't want to have to do that tho they want entitlements
by Anonymous1 day ago
Yes because wages are enough to enable that... Besides, lots of pension systems and healthcare systems work against this. If I only work 20 years instead of 40y I get 0 pension at 65 instead of half. Even if I paid taxes for it in those 20 years. Healthcare would have a similar problem. Interestingly it would be possible for me to retire after 20 years if I could opt out of the pension system. But the system is literally designed against this.
by Current_Departure4081 day ago
the wage is your issue, this guy is just asking to retire after 20 years and realistically he can do it, although it may not be easy
by Firm-Chemical1 day ago
This isn't even unpopular it's just a half baked idea
by Anonymous1 day ago
This idea is 1/8 baked at best.
by Anonymous1 day ago
Understandable, considering how much energy costs these days.
by hilllosbaldo1 day ago
Our society should be five times wealthier than it currently is Well yeah. I agree with that. Who doesn't? We all want to have more money and do less work!
by Elton391 day ago
How would that work exactly? Where is the money coming from to furnish everyone's life after ~45?
by Anonymous1 day ago
According to OP you're going to retire when you're 40 and then magically someone is going to continue paying you for the next 40+ years even though you only worked for 20 years.
by Anonymous1 day ago
Denmark just raised the retirement age to 70 lol. We haven't been having enough babies to support current retirement programs!
by Elton391 day ago
I think it's pretty obvious- while you work those 20 years, you are taxed at 95% rate
by Fritschbuster1 day ago
Simple. Retire at 40, die at 43.
by evertshields1 day ago
I'd say.. sure. But the problem would be that the world would rely on constantly having to grow the population to fund all of the retired people. It's not sustainable at all.
by Anonymous1 day ago
What this person misses is that retirement is going to become a thing of the past as people work later and later in life because we aren't having enough kids to replace all of us in the labor force.
by Anonymous1 day ago
It seems to be a popular trend for people to want to give less to society but expect more in return.
by Anonymous1 day ago
I think the trend is people feeling like they're giving to billionaires not to society. Which in turn leaves them wanting to do less, fair. Personally, just having work feel like it was bettering society would be a huge improvement to my ambition to work.
by lia131 day ago
Somebody doesn't understand how money and math work. How are you paying for the whole half of your life remaining after work?
by Creepy_Judgment_75571 day ago
Did your handler help you with this?
by Anonymous1 day ago
I have been working full time for 27 years. No chance of retirement. My retirement plan is death.
by Paulawilliamson1 day ago
You don't save?
by estrella561 day ago
6 kids. And then the divorce left me broken beyond repair.
by Paulawilliamson1 day ago
You made the choice to have 6 kids. Can't really act like a victim of society when you're out there actively choosing ways to spend all your money
by ScarObjective1 day ago
Birth control illegal to you or something? Why do you need a litter of children in this day and age? Narcissism? The world doesn't need your medicore DNA 6 times over.
by Historical_Long1 day ago
Can't tell if this is sarcasm or not. If not, STFU. It's none of your damn business how or why they have six kids.
by Anonymous1 day ago
That was my dad's. He died at 49… early retirement lol
by Anonymous1 day ago
Early retirement would be welcome. I'm tired. And I have a million dollar life insurance policy. My kids would get a nice bonus.
by Paulawilliamson1 day ago
Same.
by Anonymous1 day ago
Go for it. The Shockingly Simple Math Behind Early Retirement
by Fun-Macaroon1 day ago
This is satire right? I used the Charles scwhab retirement calculator, and if you are 35, plan to retire at 46, make $50k/year and invest 65% of it yearly at a 5% rate of return (starting out with $0 in investments),you'd have $475k. Theres very little chance you could retire on that at 46
by Nickolas351 day ago
and then what? Jerk off all day?
by Anonymous1 day ago
I see what you're going for and raise you - 4 day work week OR 6 hr days (for full time, I mean, drop normal full time to a 30 hr week). That way people can keep the economy stable for longer while not burning out at such a rate that they'd never want to work again at 40/45
by Anonymous1 day ago
Who's going to pay your pension if everyone retires after 20 years of service?
by Anonymous1 day ago
Not really unless you can rise in the ranks pretty high. My dad retired as a Staff Sergeant and his pension is a joke. I make 5 times what he does. Hell even my projected SS pay out if I retired at 67 would be 3 times what he makes.
by Historical_Long1 day ago
This is a good point, I also think we could fix the deficit if we just printed trillions of dollars! 🤪
by maud841 day ago
How are we going to afford this when people decide, "Yeah, I'm good," in their early to mid forties?
by Anonymous1 day ago
Since it's already an impossible idea, I'd rather hope that none of us ever have to work at all
by Anonymous1 day ago
I am sure most people would love that. It just isn't practical. Maybe in the future with AI and other automation that might become possible, but as of right now it is just not doable without a huge drop in quality of life, which most people are not willing to do.
by Anonymous1 day ago
I've been working fulltime for 20 years already... I'm ready to retire, just need these bills paid first.
by Minimum_Load1 day ago
Didn't Greece try this and tanked their economy?
by Anonymous1 day ago
Nice idea in theory but economically not feasible
by New-Judgment1 day ago
Nice pipe dream. Contribution to the government who will pay your retirement or privately to a pension fund of some sort. The longer you work the more pension money you pay in to a fun or pay taxes to the governement to support those currently retired with future generation doing the same for you, future generations doing the same for them etc. You shorten the work time and there's more people going to be retired, and less people paying for that retirement. with less time for everybody to pay into a pension fund. We'd all love to have 20 years of work and 60 years of play instead of vice versa, especiially when you're young enough to enjoy it more. But it's not going to happen. Now, billionaires. What people often get confused is how much a billionaire is worth vs how much a billionaire has. Lets take Tim Cook. Worth 2.5 billionish. That worth is his position as CEO at Apple, all his estates, the properties he has, his shares in apple. etc etc etc. A lot of this stuff is estimated worth and not how much money he has in the bank. He can certainly get moey for much of it but stuff goes up and down but if he sells a bunch of it, the prices could drop significantly. It's a complicated situation and a lot of the worth is in future investment too, estimated returns on investments he's due to make. How much money he actually has is likely a lot less, still far too much for a single person but still less. Now, I wonder how many people's he and others could fund for 60 years of retirement for everybody. Is that actually realistic.
by Anonymous1 day ago
Also the idea of a millionaire or billionaire is warped by the introduction of tech stock billionaires. Prior to all that money printing and stock bs, most millionaires and the vast majority of billionaires were very old. They certainly did not work 20 years and have all that money at 40.
by Conrad341 day ago
So there is no one in the world with more than 20 years experience in anything?
by Anonymous1 day ago
Hang for 20 years, work for 20, hang for another 40 years? That just wouldn't work economically.
by jabaririce1 day ago
So do I retire at 36 or does it have to be at the same job so nothing counts pre college so this is only for people born rich who "start working in their 20s"?
by Anonymous1 day ago
Well, they say your first 100k is the hardest and slowest to save. That can be obtained realistically within 20 years, but you're not even close to retiring on it. That kind of money is pocket change as an investment in America these days. Besides, it's far more likely to get cancer and bankrupt from medical bills long before you get the chance to retire. Live life. Work hard. Play hard. Life is just going to kill you anyway. Peace.
by Normal_Square_82391 day ago
Everyone should be able to retire. That's all, folks.
by Emely171 day ago
This idea is what put Italy in it's financial situation it is in right now.
by Anonymous1 day ago
You can't want to scroll this bad
by Anonymous1 day ago
They need to be given a Roth IRA that matches their contribution by the employer and sovereign wealth fund. If trump accounts were scalable for everyone past 2028, it would help as well.
by AltruisticMap63591 day ago
All that would do is help financial security for the younger generations. If they wanted my job and money they should have been born earlier. I'll work until I die because these younger generations don't even listen to good music or respect their elders.
by Anonymous1 day ago
Even earning a decent salary, you're unlikely to be able to save enough to retire and not work for 40 years. Wages would have to go up a lot, even for basic jobs. Wages definitely need to go up in general, but having enough to retire in the middle of your life is extremely unrealistic for people working more basic jobs. If I'm working as an engineer my whole life, it's incredibly unfair that someone working a low-skill job should be able to retire at the same time as me. If a better job doesn't get you a higher quality of life, there's no reason to get a better job
by bruenshanie1 day ago
Found the communist. Since you're feeling so generous, can you pay for my retirement?
by Anonymous1 day ago
We could do tiered pensions. Like you can collect a meagre amount like collect $800 a month at 45 or you can wait until you're 60 and collect a full pension.
by Fine_Injury1 day ago
Yes, the most unpopular opinion of all time, early retirement!
by Anonymous1 day ago
You can retire after 5 years if you can afford it 🙈
by Wonderful_Tune1 day ago
I like that plan because I have been paying into social security since I was 17 and I'm almost 35 so that means I'd only have 2 1/2 more years lol That would be sweet. There's all kinds of stuff I'd do with my day. But the consensus is, if you retire and do nothing you die. I work with older folks that by choice don't plan to retire because they don't feel like they have enough to do in retirement and will die. My boss lost 15 days of vacation last year because he didn't take it all. He gets a lot of vacation
by Anonymous1 day ago
I mean, I have enough money to never work another day in my life... provided I die by next thursday
by Anonymous1 day ago
Seems like a pyramid scheme....
by Repulsive-Rate-45211 day ago
Funny bc none of will get to retire we will all die working
by Anonymous1 day ago
I should be able to fly and bend steel with my mind, as well. We are all constrained by the laws of physics and economics.
by aliza131 day ago
I started on the books work at 14. I would have been retired for several years now… I don't know that this is a good idea.
by Vivid_Extent1 day ago
You can do exactly that, join the army.
by Jazzlike-Panic1 day ago
With the average lifespan of people being more than 80 years, expecting people to be in a learning phase for 20 years, and working for only 20 years and retired for 40 that doesn't make a lot of sense. We should normalize people taking expanded holidays and breaks from working times (in the US)
by Anonymous23 hours ago
Only way is to either have a ton of money or join the military. Or work for the state/government.
by Anonymous23 hours ago
What about fields like doctors, CPAs, attorneys, where 20 years of experience is invaluable in knowledge? Just gonna have them all walk away with all that knowledge
by Anonymous23 hours ago
Let's start with "everyone should be able to retire". Even that's hard to achieve here in America. And becoming increasingly unpopular, the more the wealthy class realizes how expensive it is... for them.
by Anonymous23 hours ago
I think everyone would love this. Maybe you'll be the first person on the planet to figure out how to make it to where many more people are receiving from a system and not putting into it, and still have that system flourish.
by Anonymous23 hours ago
Maybe bump that up to 30 years but I can get on board with this. 20 years is crazy short. I'm 34 and that would mean I'm nearing retirement in a couple years. Doesn't seem feasible.
by Top_Recognition22 hours ago
I don't think we should have to wait until we have previous few years left on Earth to retire. But I disagree with the idea that we should be able to retire after only 20 years of work. The vast majority of people start working during high school and college age. So we'd have a bunch of people in their mid-30's, early 40's who aren't working which sounds great until you consider the logistics, our society can barely uphold the retirees we have now. Traditionally it's almost always been around 65, with some employees in public sector work getting their full pension at 55 IF they were lucky enough to get in at an early age. People are living longer than ever and carrying more and more of their good health into middle-to-old age and I think that's still a reasonable age to retire, though as a public service worker who happened to get in at an early age I'll admit my bias.
by georgiannarayno22 hours ago
Greece tried a younger retirement age (still much older than this) and their economy basically collapsed. It's not at all economically viable unless the whole society becomes much poorer.
by Anonymous22 hours ago
People have wildly different lifestyle costs and preferences. There is no dollar figure that allows someone to retire. This is like saying every painting should take no more than 8 hours and $100 to produce.
by Anonymous21 hours ago
That would be lovely. Already did 20+ and likely have another 20 to go. Or never if current trajectory of rich controlling the world turning everyone else into surfs continues.
by lorenzo9221 hours ago
I'm down for this. Started working at 16. So I've got maybe 2yrs left before I've covered the 20yrs and every short break between jobs when I was a young adult going to school.
by Anonymous21 hours ago
Personally, I think with the proliferation of AI, in our lifetimes there will be a UBI push.
by Gradyguiseppe21 hours ago
I don't know about that but I know that my Mother has to wait until she's 67 before she can retire, otherwise she takes a hit to her social security and it's something you never get back. Frankly I think it's a failure of society that Americans are expected to spend the best part of their lives working to make some slime ball rich.
by Cyrushowe21 hours ago
How do you propose that would work? Do you think there should be half the amount of workers in the world? That's half the restaurant workers, half the EMTs, half the nurses, half the teachers, half the electricians, half the truck drivers, half the farmers etc. How do we support our society when our production and maintenance ability are suddenly cut in half. Better yet, how do we support the massive unemployed population? If you can't answer those questions I don't think you have an opinion worth considering.
by Standard_Implement9020 hours ago
I agree, and I also believe people need to figure out what they love to do for fun, and determine if they can monetize from it! People in pursuit of not working a day in their life because they love what they do is what I am pursuing!
by Elodyluettgen20 hours ago
Do what you love for work and you'll learn to hate and dread it, leaving you with the joy sucked out of life.
by Carmella1720 hours ago
Have you personally experienced this?
by Elodyluettgen20 hours ago
I have, it is definitely a real thing. My recommendation is to do the best paying job that you can tolerate and have your fun outside of it. Its only worth pursuing your passion if you are very highly compensated for it. You always the the super successful people saying to just follow you passion, but realistically if you are following your passion and making 45k a year it might not be worth it.
by Ok_Speaker58720 hours ago
Ehhh good in theory but also it would become way less fun when you need to do it to survive.
by Anonymous19 hours ago
I agree if you are living paycheck to paycheck doing what you love, but what if you're pay is way more generous than you would need to live.
by Elodyluettgen19 hours ago
Yeah good luck, you're prob talking about less then .1% of people
by Anonymous19 hours ago
I don't know what the percentage could be, but i don't want to be like the statistic of everyone else. I am curious to know if there is a study on it. 📚
by Elodyluettgen18 hours ago
Not sure I agree with this at all especially if it's a creative outlet. For example, I've been singing in choirs through out middle school, high school, college, and as an adult. I love it. But, I purposely will not even consider the choirs that say things like "we only have space for 25 people. Auditions are mandatory. We expect you to spend x hours of your personal time practicing outside of our choir" because that is taking the fun out of the hobby to me. I don't want to show up to a hobby that brings me joy and be told "you sound bad here. Did you even practice? We will kick you out if you don't do this perfectly next time". It's not a job! This happens all the time for professional musicians and athletes That's what will happen no matter what you are trying to monetize. If you aren't selling enough it's because people don't like your thing that brings you joy. You will be forced to change what you do or not be able to survive and go back to a "normal" job.
by Anonymous18 hours ago
I completely understand where you are getting at. I just believe that we have so much opportunity with the internet being such a great resource that can allow us to see what others are doing with our passions, and if they have found ways to monetize from a market of people that are just as passionate as us.
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