this post was submitted on 03 Oct 2023
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And then one day you wake up and you are that "old" person. Then you realize you're screwed: the health problems that aren't a big deal if they're treated are debilitating because you can't afford treatment. Those issues you assumed are going to kill you don't, and instead you linger for decades with a garbage quality of life.
The worst part is you aren't even that old: mentally you're still pretty much the same person you were in your 30s, just trapped in a body that's slowly falling apart and needs constant maintenance.
Yes, you need to strike a balance -- but not doing what you can to financially plan for old age is fucking stupid.
and then those health problems turn out to be so expensive that the cost far exceeds what you can afford through your 401k anyway. I'm not saying no planning should be done, I'm saying that your planning should lean more favorably toward the present than the far future. For many, 10-15% of income is so much of a sacrifice that I'm willing to bet the payoff wouldn't be worth it in most cases.
Shit ya'll are making me rethink leaving the state.