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<blockquote data-quote="APeonInALandOfCorpLackies" data-source="post: 2929462" data-attributes="member: 67558">I definitely agree with you about saving as much as you&#039;re able.&nbsp; You were also a manager.&nbsp; There are specialist/admin/tech peons that1) Don&#039;t make anywhere near what you did.&nbsp; (It&#039;s much easier to cap 401k if you&#039;re making $120k+, or hell, even 100k+)&nbsp; I believe a 10G, the top specialist peon you can be caps at somewhere around $90k, and that&#039;s if they&#039;ve been here a long time at that level.2) Didn&#039;t get MIP to &quot;help&quot; with some savings.&nbsp; (Also note, pension was calculated I believe as Salary+MIP.)&nbsp; Which specialists (and admin/tech) don&#039;t get.3) We now have a hard cap on salary.&nbsp; There are aforementioned peons at such and still can&#039;t afford it even at cap.4) UPSers have always been told to save.&nbsp; I wish I would&#039;ve started earlier myself, but I fell into the not enough cash when you have to pay rent kinda thing.Could they save more?&nbsp; I don&#039;t know.&nbsp; I know of people that are strapped just because of expenses from children.&nbsp; I can&#039;t imagine telling them that they should&#039;ve not had kids, seems cruel.&nbsp; Do they have other expenses to cut?&nbsp; I know of a couple people first hand the answer is no, and they do live on the cheap.&nbsp; Ultra cheap mortgage, no new cars, etc.&nbsp; You guys talk like every non-union person is making bank.&nbsp; Some of are people are making $40k.&nbsp; Saving 45% of your salary....&nbsp; They should&#039;ve left UPS, but who had the foresight to say I won&#039;t have a pension so it&#039;s time to jump?You talk as though a majority can just conjure up $18,000/yr.&nbsp; That&#039;s really not possible for some people.&nbsp; Me?&nbsp; I drove my parents 1987 Ford Taurus into the ground until the driver seat wasn&#039;t even attached to floor anymore and I still couldn&#039;t afford it; and no, I lived in a 1 bedroom ghetto apartment that was $490/month.Now, I&#039;m in that category of heading to retirement.&nbsp; I&#039;m saving the max, but only because my wife works too.&nbsp; Heaven forbid she loses her job because that max savings would be toast.</blockquote>

[QUOTE="APeonInALandOfCorpLackies, post: 2929462, member: 67558"] I definitely agree with you about saving as much as you're able. You were also a manager. There are specialist/admin/tech peons that 1) Don't make anywhere near what you did. (It's much easier to cap 401k if you're making $120k+, or hell, even 100k+) I believe a 10G, the top specialist peon you can be caps at somewhere around $90k, and that's if they've been here a long time at that level. 2) Didn't get MIP to "help" with some savings. (Also note, pension was calculated I believe as Salary+MIP.) Which specialists (and admin/tech) don't get. 3) We now have a hard cap on salary. There are aforementioned peons at such and still can't afford it even at cap. 4) UPSers have always been told to save. I wish I would've started earlier myself, but I fell into the not enough cash when you have to pay rent kinda thing. Could they save more? I don't know. I know of people that are strapped just because of expenses from children. I can't imagine telling them that they should've not had kids, seems cruel. Do they have other expenses to cut? I know of a couple people first hand the answer is no, and they do live on the cheap. Ultra cheap mortgage, no new cars, etc. You guys talk like every non-union person is making bank. Some of are people are making $40k. Saving 45% of your salary.... They should've left UPS, but who had the foresight to say I won't have a pension so it's time to jump? You talk as though a majority can just conjure up $18,000/yr. That's really not possible for some people. Me? I drove my parents 1987 Ford Taurus into the ground until the driver seat wasn't even attached to floor anymore and I still couldn't afford it; and no, I lived in a 1 bedroom ghetto apartment that was $490/month. Now, I'm in that category of heading to retirement. I'm saving the max, but only because my wife works too. Heaven forbid she loses her job because that max savings would be toast. [/QUOTE]

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