View Poll Results: Should the retirement age be raised?

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  • yes

    13 20.63%
  • no

    36 57.14%
  • base it on income level

    4 6.35%
  • abolish social security

    3 4.76%
  • other

    7 11.11%
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Thread: Retirement age

  1. #251
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    Re: Retirement age

    Quote Originally Posted by noonereal View Post
    I don't agree across the board but I had not thought of freezing the upper end alone which is along the lines of needs based which I support.

    I disagree with you on the numbers with the cap removed and when how much becomes available but am not gonna search for a link...

    have a good one
    Peace <>< Let me know if you ever want to nug down into a more detailed discussion involving actual numbers and actual possibilities.

  2. #252
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    Re: Retirement age

    Quote Originally Posted by cpwill View Post
    Peace <>< Let me know if you ever want to nug down into a more detailed discussion involving actual numbers and actual possibilities.
    I never want to.

    my gift is understanding in macro and seeing how things interrelate

    I also know that people can come up with whatever number suits their position. Christ, I did not professionally for decades.

  3. #253
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    Re: Retirement age

    Quote Originally Posted by noonereal View Post
    Not relevant if you paid $1 in 2000. Good grief. We all know prices fluctuate.
    ....first you claim that price fluctuations in gasoline were relevant to your generation.

    Then, when I point out that my generation saw a similar price fluctuation in gasoline, you claimed it only occurred over decades.

    Then when I pointed out it actually occurred in less than a decade, you declared price fluctuations over a short time period "not relevant" because "we all know prices fluctuate".


    .....


    Kinda seems like either you need to abandon your first claim, or admit that you've switched positions on this.



    The point was the price jump 350% in less than a year. It changed how we drove. It changed how much money we had.
    and nobody else has any experience like that, whatsoever. My disposable income (at the time, pretty low) didn't shrink rapidly, I didn't have to cancel trips to see family, and I wasn't forced to carpool for a couple of years, no-siree.

    Oh. Wait. Those things happened. And yet, somehow, I managed to save money by consistently living on less than I made.

    You are purposely distorting to try to hold on to your warped view. You were in the military, that is socialism. It's easy to save when big brother is taking care of you. Plus you need to be so acclimated by nature to do so. Most people are not.
    You don't need to be acclimated by nature to budget and live on less than you make. There is no genetic determinant for it. You simply have to build the habit, and build the discipline to stick to it.

    I teach people who have never budgeted before how to budget, people who have never saved before how to save, and people who have lived paycheck to paycheck to stop doing that, regardless of the paycheck. I've never once come across someone who was naturally incapable of doing so, except the child of one couple who was special needs and couldn't do the 3rd-5th grade math required. So that kid gets a pass. But everyone else?

    I saved a hundred dollars a week for years in addition to stocks/bonds/ precious metals when I was young and mildly successful
    I'm sorry, but clearly you did not. After all, you have assured me that doing so was impossible, given stagflation, and the price of gas fluctuating.

    Life kept happening and I had to use these monies and was unable to save. Finally I "got lucky" and I was able to save again. This time $1,000 a week. Guess what? Life happened again.

    Your idea that "if everyone is like me" chest pounding nonsense is just not practical in LIFE for all or most. Is it possible? Sure, if nothing goes wrong.
    That's why you keep an emergency fund of 3-6 months of expenses. Think I've never had Life Happen? I had to pay for a PCS overseas out of pocket because the government lost the paperwork and it took months to get it back. I spent months unemployed after I left the military. I had unexpected children, unexpected medical emergencies, unexpected loss of vehicles, etc., so on, and so forth. We bought a house (a bit more house than really I should have bought, but Mrs CPWILL loved it, and I'm a sucker for her), and within three months lost plumbing and electricity in ways that - conveniently - weren't covered by warranties or insurance (damn little script), and had to replace both. I've never lost a child (thank God), or been through cancer, but I've had good and plenty use of that Emergency Fund, which is why it is always the first thing refilled.

    If I were you I'd thank my good fortune and let it be.
    I thank God for the many blessings in my life, but No. I'm not content to leave others in servitude to the poor results of their own bad decisions, when I can help them improve their lives. Having done that for over a decade for hundreds of families, I can say that fewer things bring me greater joy. They seem fairly happy with it, too .

  4. #254
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    Re: Retirement age

    Quote Originally Posted by noonereal View Post
    I never want to.

    my gift is understanding in macro and seeing how things interrelate
    Ah. So more of a "Narrative" than a "Hypothesis supported by Data" kind of guy?


    I also know that people can come up with whatever number suits their position. Christ, I did not professionally for decades.
    I source my numbers, precisely so people can check them, and show my math, precisely so people can check it. So far you've not provided much (any, really) evidence to support your contention that what many people accomplished and are accomplishing is, in fact, impossible.

  5. #255
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    Re: Retirement age

    Other. SS is not retirement. That's the problem. Many consider it retirement, it's not. It's designed to supplement retirement, to ensure our elders at the least can afford 3 squares a day.
    Quote Originally Posted by calamity View Post
    Reports indicate that everyone knew he was hauling a bunch of guns up there. But, since you brought it up, there's something which should be illegal: guns that breakdown.

  6. #256
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    Re: Retirement age

    Quote Originally Posted by cpwill View Post
    ....first you claim that price fluctuations in gasoline were relevant to your generation.

    Then, when I point out that my generation saw a similar price fluctuation in gasoline, you claimed it only occurred over decades.

    Then when I pointed out it actually occurred in less than a decade, you declared price fluctuations over a short time period "not relevant" because "we all know prices fluctuate".


    .....


    Kinda seems like either you need to abandon your first claim, or admit that you've switched positions on this.





    and nobody else has any experience like that, whatsoever. My disposable income (at the time, pretty low) didn't shrink rapidly, I didn't have to cancel trips to see family, and I wasn't forced to carpool for a couple of years, no-siree.

    Oh. Wait. Those things happened. And yet, somehow, I managed to save money by consistently living on less than I made.



    You don't need to be acclimated by nature to budget and live on less than you make. There is no genetic determinant for it. You simply have to build the habit, and build the discipline to stick to it.

    I teach people who have never budgeted before how to budget, people who have never saved before how to save, and people who have lived paycheck to paycheck to stop doing that, regardless of the paycheck. I've never once come across someone who was naturally incapable of doing so, except the child of one couple who was special needs and couldn't do the 3rd-5th grade math required. So that kid gets a pass. But everyone else?



    I'm sorry, but clearly you did not. After all, you have assured me that doing so was impossible, given stagflation, and the price of gas fluctuating.



    That's why you keep an emergency fund of 3-6 months of expenses. Think I've never had Life Happen? I had to pay for a PCS overseas out of pocket because the government lost the paperwork and it took months to get it back. I spent months unemployed after I left the military. I had unexpected children, unexpected medical emergencies, unexpected loss of vehicles, etc., so on, and so forth. We bought a house (a bit more house than really I should have bought, but Mrs CPWILL loved it, and I'm a sucker for her), and within three months lost plumbing and electricity in ways that - conveniently - weren't covered by warranties or insurance (damn little script), and had to replace both. I've never lost a child (thank God), or been through cancer, but I've had good and plenty use of that Emergency Fund, which is why it is always the first thing refilled.



    I thank God for the many blessings in my life, but No. I'm not content to leave others in servitude to the poor results of their own bad decisions, when I can help them improve their lives. Having done that for over a decade for hundreds of families, I can say that fewer things bring me greater joy. They seem fairly happy with it, too .
    3-6 months of funds when you get sick?
    Lost pluming/ electric????

    Honest, I am flabbergasted.

    God bless you.

    Your wife/boyfriend must go through hell with you.

    I know you, you need the last word, have at it.

    Ill be the adult.

  7. #257
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    Re: Retirement age

    Quote Originally Posted by cpwill View Post
    Ah. So more of a "Narrative" than a "Hypothesis supported by Data" kind of guy?




    I source my numbers, precisely so people can check them, and show my math, precisely so people can check it. So far you've not provided much (any, really) evidence to support your contention that what many people accomplished and are accomplishing is, in fact, impossible.
    I can't post what needs to be posted.

  8. #258
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    Re: Retirement age

    Quote Originally Posted by noonereal View Post
    3-6 months of funds when you get sick?
    Lost pluming/ electric????

    Honest, I am flabbergasted.

    God bless you.

    Your wife/boyfriend must go through hell with you.
    3-6 months is the generally recommended amount. I've never regretted having too much stashed away for an emergency.

    The wife has been through a lot How I got that one, I don't know, and suspect I never will (I try not to question too much, or out-loud, lest I risk accidentally convincing her she made a mistake )


    I can't post what needs to be posted.
    economic data over the past few decades isn't that hard to come by, what did you have in mind?

  9. #259
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    Re: Retirement age

    Quote Originally Posted by rickc View Post
    i hope the republicans do that. best way i can think of to finally get that party out of washington.

    stupid idea to boot. working class people in their 60's are just about broken down. Companies want.to get.rid of high paid experienced workers and replace them with cheaper young workers.

    why not just start euthanasia at 65 if the person is not financially ready for retirement. that should go over very well with the republican elite.
    Then I guess we should only raise it for rich people who have white collar jobs.

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