this post was submitted on 30 Apr 2026

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314

Retirement plan (piefed.cdn.blahaj.zone)

submitted 4 days ago by LadyButterfly@piefed.blahaj.zone to c/politicalmemes@lemmy.world

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[–] EtAl@lemmy.dbzer0.com 19 points 3 days ago (2 children)

I'm Generation X and can we hurry up with this whole societal collapse thing? I would love to have a glimpse of the post scarcity utopia my children will inherit.

[–] Ariselas@piefed.ca 3 points 2 days ago

I'm not saying that complete societal collapse won't be a good time, but I'm not holding my breath for a post scarcity utopia.

[–] Sum27@thelemmy.club 4 points 3 days ago

Millenial parent here and I say this almost every day. I just kinda can't wait to see what comes AFTER all this, you know? I know it is going to get way worse before it gets better but I do have faith that the later generations WILL DO better than we have. I hope I get to see at least the start.

[–] ExplosiveLynx@lemmy.world 23 points 3 days ago (1 children)

I always tell people "my retirement plan is to die in the revolution"

[–] Dzheyk@sh.itjust.works 6 points 3 days ago

Comrade 🤠 tips hat

[–] Etterra@discuss.online 4 points 3 days ago (1 children)

I'm a Gen-X so my retirement plan is a deadly heart attack by 55.

[–] doingthestuff@lemy.lol 4 points 3 days ago

You're almost there, don't give up! You can do it!

I'm also Gen X, I have no retirement funds at all. I'm not counting on social security but if society collapses and I don't get anything out of it after paying in my whole life I might just become a terrorist.

If my parents died tomorrow I'd probably inherit close to $200k but they're already far healthier than I am, and if I do somehow outlive them there'll probably be nothing left after medical expenses and inflation.

[–] BarneyPiccolo@lemmy.today 3 points 3 days ago

Mine is life in prison, so don't fuck with me.

[–] RidderSport@feddit.org 3 points 3 days ago (1 children)

I am Gen Z (yeah fck that system) and I don't even need to save up for property as I won't be able to afford to buy anyway but societal collapse might help me there.

[–] Nalivai@lemmy.world 1 points 3 days ago

I also say to myself that I don't need to, but actually I just can't.

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

One of my coworkers said something similar. He said he was decreasing his 401k % because he thought the odds of the world ending before he retires in 40-ish years was fairly high.

[–] jordanlund@lemmy.world 6 points 3 days ago (1 children)

GenX: "Retirement plan? 🤣"

[–] somethingsnappy@lemmy.world 9 points 3 days ago (2 children)

I say this as genx. We have at least had a much better chance, comparatively.

[–] jordanlund@lemmy.world 4 points 3 days ago

I dunno, I've been watching the boomers like this since the 80s:

[–] Ariselas@piefed.ca 2 points 3 days ago

I just figured the GenX retirement plan was going to follow our musical heroes example and die early.

[–] Quexotic@infosec.pub 2 points 3 days ago

Yay! Early retirement!

[–] Proprietary_Blend@lemmy.world 2 points 3 days ago

And you're working so hard to get there

[–] flandish@lemmy.world 1 points 3 days ago

gen x here. same plan. or i thumb it only on roads going south since it’s warmer than new england.

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

I expect me to die

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

I'm not Mr Bond.

[+] Retail4068@lemmy.world -8 points 3 days ago* (last edited 3 days ago) (2 children)

55% of millinials own a home. This is down from about 59% of gen x.

Y'all need to touch grass. There is a downward trend, the bottom didn't fall out.

[–] turtlesareneat@piefed.ca 14 points 3 days ago

It took us longer to get here, and we're worse off. Everyone can feel that. People remember their childhoods with occasional vacations and things we might see as luxuries today.

More to the point, class of 2000 here, but they told us Social Security would be insolvent from the time we were teenagers, "don't expect to get anything." We know now that was actually political psyop designed to get us ready for them to kill social security. But it's coming to pass - 6 year from now benefits will be cut 40% if nothing changes.

A lot of folks my age, myself included, had to suffer multiple once-in-a-lifetime crises like 2001, 2008, plus medical events and other emergencies that liquidated retirement plans. So even those who were saving often lost it all, maybe repeatedly.

I am not eager to see my final vision fulfilled, which is a bunch of tatted up, screen addicted old people jammed into the worst elderly housing projects without serious medical care, just cubes for us to die in cheap, while we play N64 and get stoned together and try to live on a bag of potatoes for 2 weeks because climate change is wreaking havoc on the food supply.

But yes, touch grass.

[–] marxismtomorrow@lemmy.today 0 points 3 days ago (2 children)

No, 55% of millennials own a home or have a mortgage. These are not the same thing, though they are counted the same by most statistics, especially those that want to pretend the economy hasn't gotten progressively worse since 1968 which was around the peak of America's golden age economy.

If you have a mortgage, you do not own your home. It can and will be taken away from you the second you are disabled or otherwise out of work. Over a fifth of chronically homeless Americans were 'homeowners' at one point during their lives. Until you have a paid off home you have no possible financial security. You're infinitely better off than anyone renting, but you are not as good as a boomer who had their home paid off within five years of starting their mortgage.

[–] Retail4068@lemmy.world 1 points 3 days ago (1 children)

Less than 1% default. 🤷‍♂️

[–] marxismtomorrow@lemmy.today 0 points 3 days ago (1 children)

That's 2 million people a year btw.

[–] Retail4068@lemmy.world 1 points 2 days ago

And nowhere close to societal collapse.

[–] Rivalarrival@lemmy.today 0 points 3 days ago (1 children)

My disability insurance would pay off my house and my car. A HELOC would cover several thousand dollars worth of emergency expenses.

I haven't paid off my mortgage yet, but I own a very large percentage of my home.

You overgeneralized well beyond the point of absurdity.

[–] marxismtomorrow@lemmy.today 0 points 3 days ago (1 children)

No, you have an incredibly, ridiculously privileged rich-person life style that cannot apply to the vast majority of people. I don't know why you think medical bankruptcy is the number one form of bankruptcy in the country and why over half of homeless people are disabled, but it's not because most people can magically finance themselves out of the crippling reality of the economy.

[–] Rivalarrival@lemmy.today 0 points 2 days ago (1 children)

If you have a mortgage, you do not own your home. It can and will be taken away from you the second you are disabled or otherwise out of work.

This is a false statement. You predicated your argument on this false statement. The rest of what you said has a modicum of truth, but the core principal you used to prop up your argument is false.

Just go back and re-base your argument on something other than the idea that a house isn't owned until it is completely paid off. Drop that claim, and the rest of your point is perfectly valid. Keeping that claim undermines your credibility. You don't need that claim to be true to make your point; there is no sense in dying on this particular hill.