this post was submitted on 19 Jun 2025
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[–] camelbeard@lemmy.world 10 points 6 days ago (1 children)

The best advice I heard in my 20s don't spend your raise. If you can live of X and now you make Y, still live of X and put everything you don't spend in a few ETFs. Don't try to be smart en beat the market, don't buy stocks, etc.

Just 3 or 4 ETFs that cover the world. Or if you want to be smart read up on the permanent portfolio or all weather portfolio.

You don't need a more expensive car if your current car still works, you don't need a new phone every 2 years, etc. Buy what can't be fixed, don't pay for upgrades that are not really going to improve your life.

Also buy things that don't expire (toiletpaper, dishwasher soap, etc) in bulk when the offer it really good.

You don't have to live as a bum but you can still make sure you don't overspend.

[–] some_guy 1 points 6 days ago

Best advice I've encountered in a while.

[–] Marzanna@scribe.disroot.org 7 points 6 days ago

My retirement plan is to suicide bomb some government structure.

[–] ivanafterall@lemmy.world 2 points 6 days ago

Once we switch over to bottle caps as currency, I'll be both instantly rich and utterly distraught at the potential wealth I squandered over the years.

[–] ZkhqrD5o@lemmy.world 0 points 6 days ago

In all honesty, my retirement plan is to go out with a bang in an act of left-wing extremist terror. We have seen way too little left-wing extremist terror in the past few years.

[–] EfreetSK@lemmy.world 68 points 1 week ago

There're still older Civilizations I haven't played so I'm not worried

[–] volvoxvsmarla@lemm.ee 47 points 1 week ago (1 children)

In another screenshot I once read "my retirement plan is to die in the socialist revolution" and I think that's exactly what I hope for

[–] Agrivar@lemmy.world 18 points 1 week ago

That's been my plan for years, but now it's morphed into something more like, "my retirement plan is to die in the American underground fighting the local Nazis."

[–] Almacca@aussie.zone 43 points 1 week ago

I'm 55, and this is my retirement plan.

[–] DeusUmbra@lemmy.world 39 points 1 week ago

I plan to die fighting for the revolution.

[–] bieren@lemmy.zip 31 points 1 week ago

Don’t worry. They gonna raise the retirement age.

[–] trxxruraxvr@lemmy.world 21 points 1 week ago

I wouldn't say it's my plan, but it's an option I'm keeping in account

[–] BigDanishGuy@sh.itjust.works 19 points 1 week ago

65? 65?!? My expected retirement age is 7-goddamn-2 and considering that's in the 2050s shit could happen to that plan in the meantime....

[–] MangioneDontMiss@lemmy.ca 19 points 1 week ago (2 children)

Have fatal illness. 2 or so years left. Suckers!

[–] LadyButterfly@piefed.blahaj.zone 9 points 1 week ago (1 children)

I admire that you've got a sense of humour about it. How are you holding up?

[–] MangioneDontMiss@lemmy.ca 12 points 1 week ago

the drugs are still sort of working.

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[–] RandomVideos@programming.dev 19 points 1 week ago (1 children)

Civilization is resilient

It wont end just because of a couple problems that could kill billions of people

[–] ameancow@lemmy.world 12 points 1 week ago (3 children)

Honestly, true.

We are indeed going to face massive, catastrophic changes to society broadly.

But they will take place over such timespans that most people are just going to get used to things being shitty and the death-tolls from storms, flooding, starvation, forced-migration... it will just be more dull noise in the background for decades and decades.

The "nothing ever happens" shitheads are in the middle of things happening, but our attention-spans have been so thoroughly eroded that people don't think anything is real unless it literally shakes them out of their bed.

We are indeed going to face massive, catastrophic changes [...]

And they say "nothing ever changes" smh

[–] WoodScientist@sh.itjust.works 10 points 1 week ago

People also have this idea that collapse is this overnight thing, like a zombie apocalypse. But while that does sometimes happen historically, a gradual degradation is much more common and realistic. What that actually looks like on the ground is just a general decline in the standard of living all around. In an advanced capitalist economy, we rarely have actual shortages, where the supply of goods simply runs out. Rather, whenever the supply of anything gets tight, the price soars until demand drops.

As things degrade, everything's just going to become ever more expensive. People used to eating beef will have to switch to chicken. Then they'll switch to tofu. Eventually just rice and beans. And as prices rise, the world's poorest, a few million at a time, will find that they can't even afford rice and beans, and no one will be able to afford to give them food aid either.

Housing will gradually become ever-more expensive. We have a finite capacity to construct housing. And as natural disasters destroy more and more homes and infrastructure, we have to spend more and more of that finite capacity just rebuilding what we've lost, rather than constructing new homes. This drives the cost up ever-higher. People switch from owning their home, to renting an apartment, to living with roommates, to abandoning the nuclear family entirely and living in large extended households again.

This is what collapse actually looks like. Prices on everything slowly rise until we look around and realize that the global population has been cut in half by starvation and all but the riches survivors are living in penury.

[–] Nalivai@lemmy.world 9 points 1 week ago (1 children)

I had a conversation with an older dude this May. It was +30°C in Germany and Germany doesn't really do air conditioning. The older dude, while sweating bullets, was telling me that we don't need to do air conditioning because we rarely have high temperatures.
It was +30°C in May. It was +30°C in May for the last 10 years. I think that dude will die of heatsroke, and till his very end he will believe that nothing ever happens and things are exactly the same as they were when he was a child.

[–] PlexSheep@infosec.pub 3 points 6 days ago (1 children)

Well, we do air conditioning more and more nowadays...

[–] Nalivai@lemmy.world 2 points 6 days ago

Yet, buildings that are being built today don't have it, and you need to spend a small fortune if you want to have a split system.

[–] BluJay320@lemmy.blahaj.zone 18 points 1 week ago

Mine is more “I don’t plan to live that long anyway”

[–] slazer2au@lemmy.world 18 points 1 week ago (2 children)

Mine is more 'why bother when inflation will eat the value away'

[–] EldenLord@lemmy.world 11 points 1 week ago (1 children)

Have you heard of the stock market? /jk

[–] PlexSheep@infosec.pub 1 points 6 days ago (1 children)

Why JK though? There are many financial options to at least get more returns than inflation, working for people without fuck you money too. It takes some financial education that we likely have to learn ourselves, but there are options. And it's possible to reasonably lower risks and costs enough by selecting the right financial products.

Though obviously, if you just buy what the bank guy says, the bank will make the profits, not you.

[–] ZkhqrD5o@lemmy.world 3 points 6 days ago

While I agree with you, most people don't want to spend the time learning all of this. Furthermore, I had the luck of good financial education and I had to wade through a sea of rubbish just to get to the good bits. But as someone who's new, how do you learn? That's the problem. And even if they could learn, how are they going to start saving? Is the supermarket cashier just making ends meet by a hair's length really going to start saving up thousands and thousands of quid just to be able to see some real returns? Don't hate the player, hate the game. You have too little money to start making some real returns. And because you have no real returns, you need to work for menial tasks and menial money. And therefore, you cannot start saving up and make some real returns, the cycle is complete. What a nice system that we put our lives inside of.

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[–] Blackmist@feddit.uk 16 points 1 week ago (1 children)

Got plenty in my retirement pot, but I've been saving up bottle caps just in case.

[–] filcuk@lemmy.zip 7 points 1 week ago (1 children)

So it's people like you who's caps we'll mysteriously find inside of a pre-war safe??

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[–] explodicle@sh.itjust.works 14 points 1 week ago

Narrator: It didn't.

The retweeters went on to live in an even more dystopian future where money still exists, but with no savings to endure a strike.

[–] BananaOnionJuice@lemmy.dbzer0.com 12 points 1 week ago (1 children)

I'm putting my trust in my bottle cap collection.

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[–] RamenJunkie@midwest.social 11 points 1 week ago

My retirement plan is similar but it's more that Climate Crisis is going to cook us all alive before I need to retire.

[–] dumbass@quokk.au 9 points 1 week ago (1 children)

I've been hoping for that big EMP from the sun I keep getting told about.

[–] Almacca@aussie.zone 6 points 1 week ago (1 children)
[–] TheBat@lemmy.world 8 points 1 week ago (1 children)
[–] dumbass@quokk.au 6 points 1 week ago

Yeah, let Poland invade someone for once!

[–] Widdershins@lemmy.world 8 points 1 week ago (1 children)

I just want to live long enough to fuck an alien

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[–] edgemaster72@lemmy.world 6 points 1 week ago

Societal collapse or probable future health issues, either way (or both)

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