this post was submitted on 05 Sep 2025
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If you had the money to retire at 30, your savings would be invested and on an average year your earnings would cover your expenses. You would have health insurance, so no worries there. The only catch is that you would have to keep your expenses at 65% of what you spend right now. Would you take it, or would you rather work a few more years for a better lifestyle and financial security?

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[–] sunzu2@thebrainbin.org 16 points 2 days ago (1 children)

lol... You need like 2 million dollars and a paid off house to make it work in the US and that's if you know how to manage money and control spending. AND no critical event happened like major illness etc

aka system is designed that vast majority of people can never ACHIEVE IT.

[–] AlDente@sh.itjust.works 4 points 2 days ago (1 children)

This is a highly pessimistic take. 2 million dollars would conservatively yield $80,000 per year. This would place you at the 70th percentile in the USA for individual income.

[–] sunzu2@thebrainbin.org 3 points 2 days ago (1 children)

I won't argue individual angle... But not having a family is sacrifice in of itself then.

My numbers did account for a family of 3.

With that being said, cashing out stocks or clipping coupons is a taxable event. Plus inflation and health insurance on a private market.

It is doable but still has risk.

Plus which 30 yo has paid off house and 2 million they earned?

[–] grrgyle@slrpnk.net 3 points 1 day ago

Which 70 year old does either for that matter