this post was submitted on 05 Sep 2025
178 points (95.4% liked)

Ask Lemmy

34368 readers
1360 users here now

A Fediverse community for open-ended, thought provoking questions


Rules: (interactive)


1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can't say something nice, don't say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. Please familiarize yourself with them


2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?


3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.


4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either !asklemmyafterdark@lemmy.world or !asklemmynsfw@lemmynsfw.com. NSFW comments should be restricted to posts tagged [NSFW].


5) This is not a support community.
It is not a place for 'how do I?', type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to Lemmy.world Support or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.


6) No US Politics.
Please don't post about current US Politics. If you need to do this, try !politicaldiscussion@lemmy.world or !askusa@discuss.online


Reminder: The terms of service apply here too.

Partnered Communities:

Tech Support

No Stupid Questions

You Should Know

Reddit

Jokes

Ask Ouija


Logo design credit goes to: tubbadu


founded 2 years ago
MODERATORS
 

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?

(page 3) 45 comments
sorted by: hot top controversial new old
[–] pachrist@lemmy.world 3 points 3 days ago

My wife and I spend about 25% of our pre-tax income on childcare. Cutting that, plus another 10% other places would be fine.

[–] 1984@lemmy.today 5 points 3 days ago* (last edited 3 days ago)

I quit at 50, living on savings and stock market...

I dont know, its just something awful about working every day. I got sick of it.

Now im not doing anything special but im free to just live.

[–] skrlet13@feddit.cl 5 points 3 days ago (1 children)

idk; I get work via commissions (is that the word?) and rarely, earning little money. But with this at least I would have a constant source of money, and would get some peace of mind, so maybe?

[–] clay_pidgin@sh.itjust.works 4 points 3 days ago (1 children)

Commissions doing what? Maybe we can find you some business here!

[–] skrlet13@feddit.cl 3 points 3 days ago (1 children)

In Chile, I do reinforcement programming classes. They hire me for few hours per time. Thanks for caring about me :D

[–] clay_pidgin@sh.itjust.works 3 points 3 days ago

No problemo, amigo Chileno! Tenemos que ayudar el uno al otro.

[–] HubertManne@piefed.social 2 points 3 days ago

heck. health insurance is a third of my expenses as is. would take that in a heartbeat. not to mention whatever youthened me. thats just a bonus.

[–] LoafedBurrito@lemmy.world 2 points 3 days ago (1 children)

I'd try, but my shopping addiction would get me in trouble.

load more comments (1 replies)
[–] Rhynoplaz@lemmy.world 4 points 3 days ago

My initial response was Hell yeah! But, then I remembered my job will pay for the kids college, so I'd be crazy to make that trade.

[–] thingAmaBob@lemmy.world 1 points 2 days ago

Nope. Even though I can pay my bills, I still need to be able to save for other emergencies and have some fun.

[–] vane@lemmy.world 2 points 3 days ago (5 children)

Invested in what ? What's the magic trick that won't leave you with nothing in the next 10 years.

[–] qarbone@lemmy.world 3 points 3 days ago (1 children)

It's...a hypothetical? A fabricated reason why you aren't given a massive lump sum of money, and instead have to live off dividends? The "what" doesn't matter.

[–] vane@lemmy.world 0 points 3 days ago (2 children)

Dividends from what ? Tell me company that can't collapse in the next 10 years, you have insides from billionaires who can shit fuck your investments in couple of seconds ?

load more comments (2 replies)
load more comments (4 replies)
[–] etchinghillside@reddthat.com 3 points 3 days ago

30s are prime earning years – stick with it for a bit longer.

[–] Formfiller@lemmy.world 1 points 3 days ago
[–] FreedomAdvocate 2 points 3 days ago

No questions asked, as long as I got to keep my current house to live in and not move back to the house I lived in at 30.

[–] AstralPath@lemmy.ca 1 points 3 days ago

100% I'd retire. I'd sell all my shit, buy a sailboat and cruise around the world for the rest of my life.

[–] rumschlumpel@feddit.org 2 points 3 days ago

If I had the money to retire at 30, I'd be so much richer than I am now that even 65% of that would still be more than I'm getting now. But if I was the kind of person who earns that much, would I be content with that? We'll never know.

[–] TheV2@programming.dev 1 points 3 days ago

Probably not.

  1. I can't be certain that these earnings will cover even 10% of my expenses for a lifetime, because you never know.
  2. I feel too young to make such a drastic decision that will tremendously limit my future.
  3. I prefer enjoyable work with a healthy work-life-balance over not working at all.

If anything, I'd take more risks and sacrifices to get a more fulfilling work experience.

load more comments
view more: ‹ prev next ›