Most people could find it if they just once looked at their monthly budget and saw where their money was going.

Also, just a shot in the dark here, but let me guess, you were coordinating FPU classes, right?

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“When I walked in this morning, and saw the flag was at half mast, I thought 'alright another bureaucrat ate it.'" - Ron Swanson

That would require not dropping 50$ on grubhub sushi bc they are hungry, or buying Evan Williams over Jack.

The fucking horror.

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I know, it's so tough being a fucking adult and having to take responsibility for your financial health, even if that means saying no to something you really want.

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“When I walked in this morning, and saw the flag was at half mast, I thought 'alright another bureaucrat ate it.'" - Ron Swanson

What kind of savage drinks Evan Williams OR Jack?

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i did it through a program with Mass Mutual. quite frankly it might as well of been FPU but instead of it being self realized, we walked them through the program. it didn't have cool terms like "debt snowball" or anything but the principles were the same. the outfit i was with did not agree with dave on the whole life insurance crap.

lots of people walk out of FPU with frustration and no accountability to actually do that stuff. I like that program a lot though. People came to us because they were looking for financial help and the only way they could get it was if they agreed to go through our program AND actually hit some goals.

oh and for the record i agree with dave on the whole life insurance scam. it should only be used when you've exhausted all other tax shelters for your money.

Most of the people relying on government pensions don't receive social security. (ie - they get a pension instead)

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Mr. Trump is unfit for our nation’s highest office.- JD Vance
If you committed violence on that day, obviously, you shouldn’t be pardoned.- JD Vance on the J-6 insurrectionists

Annuities are almost always bad deals for the consumer. That's why banks offer them. You aren't being handed free money.

I was using 2% in my example, but your second part is how people in general would use a 401k. If you are taking 5% out, and investing in low risk options your money is going to go down every year. That's why there are constant articles about how $1 million is a bad threshold for thinking you have enough for retirement unless you just want to sit around all day watching the Price is Right. Not much room for travel, or other retirement activities.

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You do not talk to me like that! I work too hard to deal with this stuff! I work too hard! I'm an important member of the CSFMB! I drive a Dodge Stratus!

True, but they also didn’t have to contribute to it either (which is currently about 12% for the SS employee/employer contribution).

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they are only bad in that your money is no longer liquid. which is why its suggested to not put all your eggs in one basket. its safer than having to deal with market fluctuations.

my guy recommends 3 fold approach, annuity, traditional investment, and COH. 1 million dollars isn't what it was even 20 years ago, but in the end, if done right you still have close to your million dollars upon death to pass along. whereas with your pension its over. its the tradeoff. most pension guys i know leave their families property/vehicle assets. not saying that you owe anyone anything more but pensions aren't bullet proof either.

buddy is retired teamster had his pension cut 1/3. nothing he can do its gone.

This is the case with a lot of government pensions as well. Part of the reason Illinois is in this current mess is that they are forbidden from adjusting the pensions per the state constitution. As a result, they have to pay out unsustainable pensions at the expense of the current taxpayers.

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“When I walked in this morning, and saw the flag was at half mast, I thought 'alright another bureaucrat ate it.'" - Ron Swanson

Yes, I recently helped my parents out and this is similar advice. The annuity is a good deal, but you don't want it to be your entire egg.

Also, I will not pass my millions onto my kin. It will instead be donated to the Donald Trump Memorial Library.

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How many copies of Mein Kampf do they really need?

NOT ENOUGH

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Quitting drinking saves thousands and thousands of dollars every year and prevents aging. I stopped and it made me crazy, but I'm cool with that trade off.

So did I, and it made me a boring Republican. Whatever. Where is Scorehead?

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Cooper’s Hawk.

So is the long game here is when a majority stop paying dues the state can come in and easily slash pay?

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Ecclesiastes 5:8

One day the only public union left will be police and the libs are not going to be happy about it.

when you first began posting you were a "big time eff the man" guy.

now you're just a "ya gotta piss off the libs" even if it means bending down, grabbing my ankles and taking it as usual from the man

what changed

Stopped drinking. Went crazy.

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I've answered this a million times. You have the establishmemt media, corporate interests and politicians all telling you that Trump is bad. That police are bad. Whites are bad. Men are bad. They say those things are the establishment, except those feeding us this narrative are the actual establishment themselves.

I was wrong about who "the man" was. The path of true resistance is not to the left, but to the right. Trump is the outlet of those who truly want to resist what has happened to our culture and society.

Corporate interests against Trump?!

They love the guy. He nearly cut the tax rate in half and told pollution overseers stop caring. Shoot, regulators in general are being ordered to cut back left and right.

Something ain’t right with ya kid.

Name one publically traded, large corporation in the country that doesn't have a bloated HR department that obsesses itself with #MeToo and keeping itself artificially diverse. You're right, they tolerate Trump because he's made them money, but they are no less opposed to upsetting the liberal order than the political elites or the media.

One day, you are going to realize that Trump is the anti-establishment politician. That's not to say he doesn't have advisers who have done well from our system. Hell, it's not to even say that he hasn't. It's about the people who voted for Trump and who continue to be mocked and ignored. Trump is a big FU to every condescending media member, politician, or public figurehead who has ignored the working class and painted them as xenophobic monsters for too long.

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Great President or Greatest President?

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You do not talk to me like that! I work too hard to deal with this stuff! I work too hard! I'm an important member of the CSFMB! I drive a Dodge Stratus!

Put me down for greatest.

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Yes

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Many working class people I see on my FB feed fit this exactly. Not a scientific poll but it is what it is.

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Elections have consequences.