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this post was submitted on 26 Apr 2024
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I won't be retiring. Not particularly good with money, plus a divorce, I'm 60, and have about 200K in retirement. It's my own fault, I could have been far smarter. Now was always far more important than then.
No. No it isn't. It's the country's fault for not giving you enough to retire on even though you didn't make the best financial decisions over the years. People should not be punished in their old age because they didn't follow all the right rules of capitalism (which keep changing anyway).
It might be your fault that you're not as comfortable or as well-off as you would like to be, but it is not your fault that you can't retire.
Remember that time they moved retirement to 67 in 2015?
I don't because I was too busy working 50 hrs a week @$14-19$/hr paycheck to paycheck.
And now I have fibromyalgia at 38 and hope I die at 50.
Thanks America.
The law that changed full retirement age to 67 was passed in 1983 (during the Reagan era, no surprise there!) https://bipartisanpolicy.org/explainer/full-retirement-age/ :
What I always thought was unfair is that those who make the least amount of money get the least amount of Soc Sec, when they are the ones who need it the most. Those who make the most money get the max amount even though they need it the least. Seems backwards.
But I guess it's at least better than how things were before Social Security when you either had to make enough money to save enough for retirement and/or get a pension from your employer, or else work until you died, not to mention no Soc Sec if you became disabled. It was originally designed as part of the New Deal to help widows and seniors (poverty rate for seniors was over 50%).