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this post was submitted on 14 Apr 2024
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I promise you, if you put that $30/month into your own IRA, you'll make her a lot happier when she doesn't have to support you when she's grown up.
The problem isn't spending a little to make you or your family happy, it's spending for consumable things today, that's going to put you at a huge disadvantage later.
I get it, I have two kids, it's fucking expensive. But you know what's even more expensive? Taking care of old people.
Unfortunately, with all of the price-gouging that's been happening, $30/mo is nothing. It probably is now productive being spent. Even with compounding interest, that is going to result in enough funds to retire as an expat in a developing nation with an exceptional exchange rate and likely next to no end of life care, supposing that the investment firm that is profiting off of pensions being extinct does exceedingly well.
I also like to suggest saving anything that one can but noone is going to be able to realistically be able survive on that, unless there are significant socio-economic changes. It's a "pie in the sky when you die" situation.
"I know you want that doll, honey, but I've put the money for it into an IRA and it will make you a lot happier when you don't have to support me when you're grown up." You do you with your kids, I'm going to get mine things that will make her happy.
And she already knows she has no obligation to support me. I've made that clear to her.
Do you really think she's just going to let you starve and live on the street?
And yes, that's exactly what you say. Funny how it's not things that make kids happy, it's spending time with them. Reading to my daughter her favorite book for the 1000th time is much more enjoyable than just buying her a new doll.
It's also a great lesson in short term happiness vs long term happiness.
You bought her a book? When you could have put that money in a Roth IRA?
You're clearly an abusive parent!
Stop being obtuse. You know what he means.
Also, libraries are great for kids to choose their own books. You just assumed he spent money on a book instead of time taking his kid to the library. It's true, kids don't care about money. They care about time you spend with them.
True, I did assume that someone who claims to have read the same book to their child 1000 times did not get it from the library.
You're saying you only have enough extra money each month for either a children's book, OR that book's value in retirement savings?
And assuming that's their life situation as well?
I'm the one being told that it's either buy a child a toy or invest in retirement.
Not by anyone in this thread.
Me:
You:
Me:
You:
So yeah, you did say either buy a child a toy or invest in retirement.
No I didnt.
Okay, well, you can do the whole "what are you going to believe, me or your own eyes?" thing, but I still quoted what you said.
No you didn't.
Really? This is what you're going with? That I didn't actually copy and paste directly from what you said when anyone can just scroll up and see that I did?
Dude, there are more than just you and me here :)
I didn't say any of those things. That was someone else.
However, in that case, the starting premise appears to have been you saying that there is only $30-40...no, nevermind. This is why I replied with short replies before. I really don't care enough about arguing on the Internet about this. Whatever it was, you're right. I said those things and everyone thinks whatever it was.
You never heard of libraries?