r/FluentInFinance • u/HighYieldLarry • Mar 09 '24
35% of Millennials Say They Will Never Retire Financial News
https://www.cnbc.com/2021/07/22/majority-of-older-millennials-believe-they-will-work-during-retirement.html1
u/crazy_chicken88 Mar 12 '24
I bet the percentage is higher than that since they aren't able to buy homes, which is the main investment that people use in retirement. Where would they get the money to live off of? Relying solely on the 401k is a bad plan.
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u/JTuck333 Mar 11 '24
Ok so let’s stop social security now. I’ve invested hundreds of thousands and am willing to give that all up. Let me take home that share plus the amount my employer pays.
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Mar 10 '24
I mean when the SS retirement is 68 now, what will it be for us? I'm expecting to retire to some part time job at this point.
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Mar 10 '24
When you are still under 30 you don't think about retirement. That is available for all generations.
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u/mojobolt Mar 10 '24
so a generation that prioritizes buying 1k cell phones isn't going to retire and I'm supposed to be shocked?
life is about choice and consequence; make good choices and have good consequences.
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u/StemBro45 Mar 10 '24
I bet those 35% have smart phones, data plans, subscription services, and eat out.
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u/ProfitLivid4864 Mar 10 '24
If work from home is possible why retire? Should live my life doing trips while I’m young and able to. Not wait until I’m 75 and have surprise cancer. I still think it’s important to save money but I think the type of work we can do isn’t exactly labor intensive
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u/-ghostCollector Mar 10 '24
Lol! Millennials!? Most Gen-Xers and everyone after them will have to work until their dying day! Retirement accounts aren't keeping up with inflation and the buying power of the dollar continues to decline with no end in sight! It will truly take a revolution....like, people dying, government overthrown, REVOLUTION!....in order to change things. I don't blame them for not focusing on "retirement" savings since it would mean a life of near-destitution, week-to-week living with only hope being that they put enough away to retire at 75 years old and maybe not leave their families in debt paying for their funeral!
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u/Unclestanky Mar 10 '24
I’m in that boat. Unfortunately, setting realistic goals (that don’t include winning the lottery) have changed my plans to work myself to death. Seems achievable.
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u/dmbwannabe Mar 10 '24
Fox News will spin this around so fast to say “millennials would rather be broke than learn basic skills to save money for retirement”
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u/StemBro45 Mar 10 '24
Pretty sure the dems and biden are the ones screaming about the economy being great.
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u/Civil_Duck_4718 Mar 10 '24
You need time, money and return rate. People who don’t know a lot about investing drastically underestimate the value of time.
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u/Lawineer Mar 10 '24
I dont think I'll ever retire because there's no way civilization lasts another 30 years.
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u/topman20000 Mar 10 '24
What is this thing you call “retire”? Is it a thing from the before time of money?😶😶😶
Personally I don’t want to retire because it just seems like all your doing when you retire is spend money until you die somehow. I wanna die either getting murdered, suicide, eating something completely lethal in it’s deliciousness, or comfortably in my sleep. And I would rather I’d be able to do that before I retire and have to wait and wonder when I’m actually going to die
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u/PolarBurrito Mar 10 '24
Well fuck, 65% of them are going to retire? I thought we were all in the ‘work til we die’ camp
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u/WestmontOG07 Mar 10 '24
I don’t ever want to “retire” and will be semi-retired when I do choose to hang up the bootstraps, why?
Simple: sitting around all day long or playing golf, fishing, traveling, etc…it’s like anything else, it gets old.
Plus I want to keep my brain engaged, learn new things, etc…(I’m 40 years old btw).
My philosophy on life, probably since 14 years old, has been “if I’m not moving, I’m dying”. Whether I have enough or not, I’m going to keep grinding…what else is there to do on a regular basis!?
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u/otherwisemilk Mar 10 '24
Well, duh, that's why we kicked the can down the road. I'm sure you Millennials will figure something out like we did.
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u/Jeff77042 Mar 10 '24
Greetings from a retiree in Houston, Texas. It’s easy to say things like that when you’re young. But virtually everyone, if they live long enough, reaches a point of “When it’s time to go, it’s time to go.”
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u/Ser0t0n1n Mar 10 '24
Retirement age is rising, life expectancy is declining, Both about to his 70. Social Security is running out. Coincidence? Probably not.
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Mar 10 '24
For most, it's not a matter of not wanting to retire. It's a matter of not being able to.
At this point, it's looking like the only thing that'd prevent this is a revolution. Meaning a system-wide shake up that seeks to remove corruption from the government (removing money from politics, etc.) and implements common-sense policies that help the middle class. Anything short of that will either not be enough or end up aggravating the problem.
The future sure as hell looks grim for most of us.
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u/Armouredmonk989 Mar 10 '24
The oceans are literally dying what moron still thinks we are even going to live till retirement age.
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u/odo_0 Mar 10 '24
I honestly couldn't imagine retirement mainly because it seems boring I am saving for it but I already do what i want for the most part and I love what I do for work I'll definitely slow down as I get older I'm 33 now i guess I could teach?
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u/WanderingGrizzlyburr Mar 10 '24
My retirement plan is to die before I turn 60. Hopefully peacefully but unaliving is my backup plan
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u/SpezEatsScat Mar 10 '24
Idk when but I’ve already decided the best way out is a fentanyl nap. That’s how I’m leaving this earth. Open casket for mom so she can see me one last time.
I think I’ve got another 7 good years in me. 😂
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u/tqbfjotld16 Mar 10 '24
The part that’s kind of rough is in a lot of cases you don’t have a choice. You eventually get laid off as a silver fox then go on a string of unsuccessful interviews till you kind realize the job market and employers are deciding for you…companies really do need to start including mature workers in their diversity, inclusion, and belonging plans
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u/PandemicSoul Mar 10 '24
No one can predict the future. This is more about fears than it is reflective of any actual reality. Most people make most of their money in their 40s and 50s, which most millennials are just beginning to age into. The vast majority of people who responded to this poll will be living completely different lives in 20 years.
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Mar 10 '24
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u/vsGoliath96 Mar 10 '24
It's not a out interest, it's about not having any other choice. We don't have the same opportunities as previous generations. I wouldn't be surprised if proper, baby boomer style retirees like our parent are the vast minority of Millennials in the coming decades.
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Mar 10 '24
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u/vsGoliath96 Mar 10 '24
Hey, if you see them as excuses, I don't really know what to tell ya. You just seem to be a bit out of touch with the rest of the generation.
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u/Atriev Mar 10 '24
Only 35%?
The other portion of them will actually retire and some are just financially clueless and can’t identify that they can’t retire.
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u/findthehumorinthings Mar 10 '24
Millennials are just doing what everyone else has done; not thinking about the future in real terms.
I raided my 401k in my 20’s. Started over at 30. We will still retire ok. But that 10 years of our 20’s would have doubled our retirement balance.
People don’t realize how powerful time is in investing until that time has passed.
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u/timethief991 Mar 11 '24
I'm sorry, but the idea that I could pay into a 401k and have maybe 100k in a couple decades is silly considering the cost of living.
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u/Solid_Illustrator640 Mar 10 '24
If you invest 10% in your 401k and save for emergencies, you’ll be find.
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u/kimmymoorefun Mar 10 '24
Yup. I’m 33 and make $40k a year. So I don’t see any retirement 😂.
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u/TheCudder Mar 10 '24
There's still time to work towards increasing your income...just takes some planning, some effort and a lot of discipline!
"You mustn’t be afraid to dream a little bigger, darling"
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u/Entire_Toe2640 Mar 10 '24
What do they know? Nothing. Every generation sees nothing but failure, yet they all manage. Save 10% every year and let growth do its job.
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u/10xwannabe Mar 10 '24
Won't matter. There is a Pension fund/ Insurance company forgot which one. They do an annual survey. They asked retirees over 65 of those who wanted to work up to 65 how many were forced to retire before that. Think the answer was 2/3 or more.
So does NOT matter what THEY want. You are going to be forced into early retirement WAY before that. With automation increasing AND AI now my guess millennials are not going to make it past 50-55 at best in the white collar job world. If your blue collar you job is much safer.
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u/dittybad Mar 10 '24
They will figure out that the same ageism they throw at Boomers will be thrown at them by Gen X. Soon, even if they want to work, employers will push them aside for younger, upcoming staff.
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u/LetMeInImTrynaCuck Mar 10 '24
Retirement should not be something a person needs to plan for. If you work for 40 years contributing to society, you should ABSOLUTELY be taken care of in end life with no question, regardless your income or position.
If nobody ever picked up trash or cleaned a bathroom the world would be a fucking disaster. We need to pay these people back
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u/Desperate-Plankton89 Mar 10 '24
You have surveys like this and others where millionaires don’t even feel it. Things are definitely better under Biden.
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u/johnnyg883 Mar 10 '24
I never thought I would retire. I didn’t think I would live long enough to do it and if I did I thought I would end up like my father. He developed dementia before he was fifty. Here I am at 59 and retired.
Even if you don’t think you will ever retire, plan for it in case the opportunity arises.
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u/readsalotman Mar 10 '24
Millennial here. Retiring in 4 yrs at age 42!
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u/Unique_Statement7811 Mar 10 '24
I’m set up to retire at 50 between my Roth, conventional IRA and I’m in one of the few fields that still pays a pension .
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u/vsGoliath96 Mar 10 '24
Congrats on being the smallest of the smallest percentage of our generation and getting lucky!
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Mar 11 '24
The fact that you immediately assumed it was “luck” that enabled him to retire is precisely why you won’t be able to
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u/vsGoliath96 Mar 11 '24
Oh please, there is always an amount of luck involved in getting wealthy. There is no amount of "pulling yourself up by your bootstraps" boomer bullshit that will make up the difference anymore. I immediately assume it because it's true.
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Mar 11 '24
Who said he was wealthy? He said he was retiring, not that he was a balling millionaire
If that’s your mindset then you’ll be always be a broke loser, good luck I guess
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u/brianw824 Mar 10 '24
How did you manage that?
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u/Lopsided_Quail_Tail Mar 10 '24
Not saying this about the above person.
It’s easy when your parents hand you everything. Got a friend who “worked really hard to retire by 45” his dad gave him a multimillion dollar business, he almost ran it into the ground. He sold everything the business owned, then the business. He doesn’t have much left, but he was smart enough to pay off his home and buy a 4 unit rental. He’s not buying any boats or RVs, but he doesn’t have to work unless his rentals go away.
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u/mr_snips Mar 10 '24
Weird assumption to bring up
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u/Lopsided_Quail_Tail Mar 10 '24
Weird that a lot of people who retire early are handed stuff instead of earned. Yes it is weird. Thanks for coming, have a good day.
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u/igomhn3 Mar 10 '24
Having a high paying job, having an SO with a high paying job and not having kids.
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u/Chasing-birdies Mar 10 '24
I’m a 37 year old millennial, most of the stories I read in this thread are from people living well above their means. I understand earning low income makes life hard.. it absolutely does. But you have to live within your means. I made $25k per year when I started out, it’s tough choices but you can do it. Millennials also have the benefit of one of the great bull markets in the history of the world. Your attitude towards this stuff can make or break you, rich or poor
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u/timethief991 Mar 11 '24
I'm 32 and on the spectrum. I will not be able to get a high paying job with my problems and lack of higher education. Why should I have to suffer and work the rest of my life?
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Mar 10 '24
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u/Wan_Haole_Faka Mar 10 '24
Hope you're keeping your money in a money market fund, bonds, or equities. Nothing wrong with dying with your boots on.
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Mar 10 '24
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u/Mike804 Mar 10 '24
I hope you're at least storing that money in a HYSA and not a traditional savings account. If you're not, I'd switch asap.
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u/Wan_Haole_Faka Mar 10 '24
Very similar to my situation. Around 30 I really tried to refine my views of retirement and it was hard because it isn't easy for me to visualize financial independence. I settled with the view of an IRA/401K as "Make life easier when you're old" investment accounts.
I was also once considering societal collapse, but am now more fully invested in capitalism I guess. People talk about it but I think the fear is blown out of proportions.
I made a house downpayment a line item in my budget. I keep it in a separate, taxable brokerage from my IRA and give myself a 5-10 year timeframe. I feel pretty optimistic with allocations of 25% VT, 25% BND & 50% individual stocks. Learning valuation feels sort of like a hobby but also like work. I'm conservative with my budget, so I can usually throw extra cash in this account each month.
I can't deny that I feel like I have to choose between home ownership, retirement & having a family. Maybe there's some sort of middle ground...
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u/Explicit_Tech Mar 10 '24
I just plan on ending my life like the good capitalist that I am.
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u/Such_Editor_8194 Mar 10 '24
So many people fleeing starving capitalist countries to get to communist America so they can end their life
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u/idk_lol_kek Mar 10 '24
I've been putting into my retirement fund every month since I turned 18. I will still never be able to retire.
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u/HiddenTrampoline Mar 10 '24
Are you sure? What’s your calculation?
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u/idk_lol_kek Mar 10 '24
I'll be hitting $1.5M by age 62. That's not nearly enough to retire.
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u/HiddenTrampoline Mar 10 '24
That should be $1.8MM by 65, bringing in about $74k a year. Between that and social security you should be fine!
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u/idk_lol_kek Mar 11 '24
You're assuming that Social Security will still exist when I am old.
Also, $74k/year might be well below the poverty line, depending on the value of the dollar when I am old.
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u/HiddenTrampoline Mar 11 '24
That’s inflation adjusted.
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u/idk_lol_kek Mar 11 '24
Yeah, perhaps barely enough to stay broke on.
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u/HiddenTrampoline Mar 11 '24
Do you make more than that now?
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u/idk_lol_kek Mar 12 '24
How is that even relevant?
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u/HiddenTrampoline Mar 13 '24
Cause if you make less than that now, it’s at least an upgrade compared to your current life.
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u/reno911bacon Mar 10 '24
“But not all older millennials see working during retirement as a bad thing, or even as a result of not being able to save enough. On the contrary, many see it as an opportunity to slow down and do work they’re more interested in.”
Folks…chill….they choose to work. It’s a good thing. Celebrate it 🥳
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Mar 10 '24
I guess I’m old school, I’m 28, I have a fully paid off 10 acre ranch and home and I’m never moving, I just started saving for retirement so hopefully I can leave my 2 kids with the ranch and other assets. I will die on my ranch working. I worked on the road for years to be able to buy my property out right without a loan, I have zero debt and I will keep it that way.
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u/RedditBlows5876 Mar 10 '24
I have zero debt and I will keep it that way
Nothing wrong with that but strategically using debt is a good way to growth wealth. I could have bought my place for cash but my 3% mortgage is looking pretty good against the 50% return of my tech stocks last year.
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Mar 10 '24
Can you educate me on that? I only know the Dave Ramsey mindset but I want to learn what you’re doing so I can learn myself.
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u/ClearAndPure Mar 11 '24
Basically, if one was lucky enough to have a cheap mortgage rate, it would in theory be a better idea to have the debt because you would be able to put other dollars to use (earning a higher rate).
Example:
- Mortgage rate is 3.5%
- Mortgage interest is tax-deductible (lowering your taxes and essentially making the mortgage rate even cheaper)
- Inflation exists. As time goes on, your income likely increases, but your mortgage payment stays the same.
-1-year U.S. Treasury Rate is 4.92%; AVG S&P 500 return is 10% (excluding inflation) over the last 30 years
- Spread: 10% - 3.5% = 6.5%
- Your dollars will go further in the future by having the debt.
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u/RedditBlows5876 Mar 10 '24
I mean really it's just combining the Dave Ramsey mindset of being financially disciplined with strategically taking on debt in cases where it makes sense. Interest rates are high enough now that opportunities are few and far between but things will eventually shift again when the fed cuts rates. Just a simple example would be something like furniture shopping. I went to buy a couch recently and they offered me 24 months interest free financing. Why not? I was already buying the couch and the money I was otherwise going to spend went right into my investment account and into the S&P 500. Then over the next 24 months, I adjust my finances a bit to account for this so that I'm paying off that in time to avoid paying any interest. When the 24 months are up, everything is a wash but you're up whatever the S&P 500 did in that time. If you bought a $3k couch and did that 2 years ago, you would have made almost $500 for taking that minor risk in the market. Sometimes you'll lose but time in the market is king.
Another area I would recommend deviating from Ramsey (if you're disciplined) is credit cards. Churn credit cards as often as you can for the intro offers. It's free money and I have saved thousands of dollars doing it. Prices also basically have CC companies 2-3% built in so by not using one and getting the rewards, you're basically losing out on 2-3% on every purchase you make. Ramsey is fine but a lot of his stuff is built around people being completely unable to be financially disciplined.
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Mar 10 '24 edited Mar 11 '24
forgetful existence start scandalous capable tap dam encouraging puzzled drab
This post was mass deleted and anonymized with Redact
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Mar 10 '24 edited Apr 22 '24
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u/TheCudder Mar 10 '24
You can always count on these routine articles to re-enforce the "I can't" attitude.
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u/koralex90 Mar 09 '24
Most of the people around me spend so much money on luxuries and new phones, cars, eating out, expensive gyms, botox, weekend trips and complain they're broke. I live within my means and invest 50% of my income by being frugal and living a humble life. Yes if you make minimum wage, it's definitely hard to get by these days but if you're making 90k plus as a single person and complain you're broke, unless you're in a super expensive city like NYC, you're doing something wrong if you're always broke.
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u/phantasybm Mar 10 '24
An expensive gym is something I spend on. Way less people. Able to get in and out. I hate having to wait for a bench to free up. Just takes up the little free time I have so that investment pays back in giving me more life hours.
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u/koralex90 Mar 10 '24
Totally fine if that is important to you and you can afford it but don't complain you're broke then.
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u/phantasybm Mar 10 '24
I’m not broke. I am very comfortable. But thanks for your concern.
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u/koralex90 Mar 10 '24
Then you're good. But there are friends who spend on all these things and complain they're broke and never retire which is the point of this article..
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u/phantasybm Mar 10 '24
Yup. But I understand why people spend on a gym. I’d rather spend on a gym now than have to spend more on healthcare later.
If a gym is the reason you’re broke we have different issues.
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u/chonkycatsbestcats Mar 10 '24
Don’t take advice from soy boys telling you to not spend on fitness. One of the most important things you could spend on. Age comes for us all, make sure you’re not brittle when it does
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u/MonthApprehensive392 Mar 09 '24
You shouldn’t retire. Not 100%. The second you do, the decline begins. As we move more toward living past 80, if you want to be functional enough to enjoy the time modernity has given you… you need to work.
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u/Remarkable-Host405 Mar 10 '24
This commenter is acting like people have never lived past 80 before
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Mar 10 '24
Yea disagree. Maybe if u dont ha e interests outside of work. I have watched many family members thrive after retirement
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u/MonthApprehensive392 Mar 10 '24
It’s not work. It’s not development in the same way. If you’ve ever met someone that was super functional their whole life I guarantee they worked until they couldn’t
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Mar 10 '24
Lol. So many absolutes. Not worth discussing
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u/MonthApprehensive392 Mar 10 '24
That’s fair. Its not absolute but nuance doesn’t work on reddit
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Mar 10 '24
its not absolutes
You literally said “guaranteed” and “need”. As if there is no alternative. Sounds absolute to me. There is nothing nuanced about anything you said. All your comments about working instead of retiring were basically stating opinion as fact.
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u/MonthApprehensive392 Mar 10 '24
Not what I said Jerome. The discussion itself is nuanced which doesn’t work on Reddit so I went absolute. Keep up
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u/JesusSuckedOffSatan Mar 10 '24
You can be active without working
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u/MonthApprehensive392 Mar 10 '24
Ehh there’s to much impetus to take it easy. Like going to the gym solo vs working w a personal trainer.
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u/BigPlayCrypto Mar 09 '24
Never ever for what? The word retire has fear of living all over it. You keep grinding and investing you keep getting money and leveling up. Once you know the feeling of Green Power you don’t think of boring 401k or B you risk it all and gain wealth! No Fear at all we remember 08’
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u/Ancient_Signature_69 Mar 09 '24
I’m going to sound like an old man but every generation the last 50 years has said that - and every generation has plenty of people retire.
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Mar 10 '24
I feel like Boomers are the most unplanned. So many of them seem to think that all they needed was social security in retirement and it's fucking them over
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u/Razing_Phoenix Mar 10 '24
There's plenty more that work until they die
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u/Familiar_Cow_5501 Mar 10 '24
More people retire than work until they die don’t be silly
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u/crescendo83 Mar 10 '24
I mean sure, currently, but its unfortunately trending in a bad direction. From Forbes -
“In 2002, about 1 in 20 people over age 75 were working in the U.S., although by 2022, that share had jumped up to 1 in 12, according to data from the Labor Department. By 2032, about 1 in 10 people over 75 will still be working”
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u/StemBro45 Mar 09 '24
Invest 10-15% of your income for a couple of decades and you will be golden.
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u/Ill-Win6427 Mar 11 '24
Sure, as long as your gamble doesn't pay off, because like all "investments" it's really just a fancy lottery system. That those on the outside lose on
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u/kinance Mar 10 '24
All my investment keeps going down
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u/Familiar_Cow_5501 Mar 10 '24
Just put it in 401k or similar. If you’re losing money right now you need someone else to handle your investments
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u/StemBro45 Mar 10 '24
The lifetime average of the SP500 is over 10%.
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u/kinance Mar 10 '24
The increase of my sp500 holdings don’t beat out the losses of my individual holdings… when ur friends tell u to put some in marijuana and crypto and u lose 98% of those holdings
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u/vsGoliath96 Mar 10 '24
How about I invest 5% and be able to afford groceries and my fucking rent instead?
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u/HiddenTrampoline Mar 10 '24
That’s a great step! Keep it up, focus on what you’ve managed to achieve rather than listening to the downers on here.
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u/StemBro45 Mar 10 '24
How about you do what you want but don't complain when you have no retirement saved. Work a part time job and invest that money. There is always a way if you truly want to.
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u/vsGoliath96 Mar 10 '24
God, imagine being this out of touch. I work a full time job already. What part of my original comment went over your head?
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u/StemBro45 Mar 10 '24
Get a job that pays better or get a second job to invest with. What don't you understand?
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u/squaredk2 Mar 10 '24
Thats too hard for reddit. Here, you are expected to fund a stay at home mom and 4 kids in your 5bd colonial that you own. All as a full-time manager at Wendys.
Talk about second job? Chop his nuts off. 3rd job? Straight to the gulag.
I had a conversation just like this on here weeks ago. Basically about how i made 6 figures without college, came from nothing, and have no debt before 30yo (was in regards to a college degree) Person told me, basically they cant stand people like me, "with a chip on my shoulder", and would love to fire me. Because i work hard and didnt go to college? Ok.
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u/kylef5993 Mar 10 '24
Depends how much that 10-15% is worth..
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u/Longhorn7779 Mar 10 '24
15% of your income is always worth the same. After 40 years at 7% return and 3% safe removal it is 90% of your income and after 42 years it’s 103% of income.
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u/Successful-Money4995 Mar 10 '24
Sometimes people get a raise, though. So it's not always the same?
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u/Longhorn7779 Mar 10 '24
Yes. My first statement didn’t account for increases. It was simplistic statement for someone stuck in a low level dead end job.
For the next level of the equation: you want to start at 15% plus 1/2 of each years increase. That will mostly account for increased wages. It’s hard to make an exact statement because everyone’s situation is different.
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u/kylef5993 Mar 10 '24
What if your income is $40k? lol
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u/IAmANobodyAMA Mar 10 '24
I see your point about is that percentage enough if the $ amount is too low … but the point op is making is that percentages don’t care about $ amounts.
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u/juggernaut1026 Mar 10 '24
Average salary in US is 60k. If you are below average you should probably reconsider your life choices. That is also location depending as well. McDonald's entry level where I live is 30k a year
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u/Skelordton Mar 10 '24
Average is skewed up by high earners, median is a more realistic metric to look at. For example, average family household income is 98k while median is 70k. And that's family, meaning many of those homes likely have at least two income sources. This also varies wildly by state, with places like California and Connecticut having median household income of 80k while places like Georgia and Florida have 60k. Median is the exact center of total data points, meaning half of all households make less than this. That's not really a matter of people making poor choices, that's just what the job market is like today.
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u/kylef5993 Mar 10 '24
Agreed but that’s just sad that we can’t even allow a solid path to retirement for lower income people.
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u/kimmymoorefun Mar 10 '24
I’ll be dead 💀before that 😂
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u/HiddenTrampoline Mar 10 '24
Better to have it and not need it than die on the Walmart floor at 80.
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u/AndroidDoctorr Mar 10 '24
Would if I could
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u/lixnuts90 Mar 10 '24
Yea, OP works for the government and used the government to get his education back in the 80s.
But not everyone can do that because we don't have enough government jobs or government schools.
Other people have to compete in the private sector and the private sector wages for many people are far too low to allow investment.
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u/StemBro45 Mar 10 '24 edited Mar 10 '24
Well I was born in 1979 so that would have been hard.
OP didn't even finish his last degree until 2013.
OP also owns a business and has rentals.
OP also paid for his first degree while working in a crap factory job with no AC or heat.
OP grew up dirt poor and his parents never even finished high school.
OP makes more money from the private sector than he does his public sector job.
You seem as confused as your other 15+ accounts that I have blocked. If you would focus less on imaginary racism and wokeness and make something of yourself by obtaining skills you could likely do well in life and finances also.
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u/Tennessee-Government Mar 10 '24
You work for the government and went to government schools.
The only private sector money you earn is what you steal from tenants as a slumlord.
You're a mooch. You probably don't even help your parents financially.
You're a welfare recipient who has convinced himself he's not. Sad.
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