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<blockquote data-quote="LarryBird" data-source="post: 4098736" data-attributes="member: 76548"><p>Your point is fair enough, but the last part about planning is kinda condescending. I think you're taking for granted that we're in a high paid union job with a pension when we retire. Most Americans cannot say the same thing. The reality for many, is that they're barely getting by, and some are broke before their next paycheck even arrives. That makes retirement planning a luxury in this country unfortunately.</p><p></p><p>You and I and the others here happen to be among those who can live a comfortable life, and still set aside for our older years to remain financially secure. So we don't really have any excuses not to plan ahead, but again, our experiences are not everyone's.</p><p></p><p>The pensions we have provide the ability to retire earlier than any of us would probably ever consider without them, but I think many, myself included, feel like working a bit longer and building up that 401k is a smart thing to do. You never know if/when your pension might cease to exist or get cut back.</p><p></p><p>I'm definitely glad your planning has worked for you though. It gives me great hope for the future. Good luck moving forward, and I hope nothing unforseen happens to your income stream. I've seen that happen to many people, and that's not a good situation.</p></blockquote><p></p>
[QUOTE="LarryBird, post: 4098736, member: 76548"] Your point is fair enough, but the last part about planning is kinda condescending. I think you're taking for granted that we're in a high paid union job with a pension when we retire. Most Americans cannot say the same thing. The reality for many, is that they're barely getting by, and some are broke before their next paycheck even arrives. That makes retirement planning a luxury in this country unfortunately. You and I and the others here happen to be among those who can live a comfortable life, and still set aside for our older years to remain financially secure. So we don't really have any excuses not to plan ahead, but again, our experiences are not everyone's. The pensions we have provide the ability to retire earlier than any of us would probably ever consider without them, but I think many, myself included, feel like working a bit longer and building up that 401k is a smart thing to do. You never know if/when your pension might cease to exist or get cut back. I'm definitely glad your planning has worked for you though. It gives me great hope for the future. Good luck moving forward, and I hope nothing unforseen happens to your income stream. I've seen that happen to many people, and that's not a good situation. [/QUOTE]
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