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one crisis at a time rule
(lemmy.world)
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this post was submitted on 15 Sep 2025
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Retirement? I don't have faith that it'll be an option for my generation.
If you don't start saving now, it probably won't be.
There you go turning a larger socioeconomic issue into a personal one. The current system is designed to prevent anyone from acquiring wealth unless they're both high class and lucky enough to not get wiped out by an injury or disaster. Unless there is major systemic change in the next couple of decades, retirement is only gonna become more exclusive. I shouldn't need to be lucky in life to not have to work until I die.
Do not use your retirement to pay for injuries and disasters. These funds are protected by bankruptcy.
Do not work against your own best interests out of principle. The world will fuck you, especially in America. Your principles will give you little comfort when you're too old to work.
I see this a lot but it's not really true. You're not going to be fuck you wealthy but you can have a respectable retirement without working till you drop. Ask yourself some honest questions about how much effort you've put into financial planning. You may be surprised. And don't hit me with unaffordable homes problem; they are unaffordable. Don't believe you need to own to have a good life.
Maybe if you live in a non fascist hellhole things are more hopeful, but I don't know if US social security will exist in 40 years. I don't think our busted medical system will not automatically bankrupt anyone who has a health crisis at any point in my future. I don't know for sure that I won't end up in a concentration camp in the next few years. And those are just US specific things.
Nationalism and militarism rises globally as the hegemonic great power loses its grip. We are entering a dangerous area with wars brewing on multiple fronts, any of which will cause economic stress that can cripple anywhere by pure chance. Climate disasters that could be mitigated or prevented will not be addressed properly in areas with chronic instability. Climate change already kills hundreds of thousands every year at a minimum, which will only get worse and worse for the rest of the century.
I don't know what generation you're from, but you're clearly tone deaf as to the challenges many young people face. The neoliberal economy has been replaced by fascist oligarchy, which is something few people on the left even understand the ramifications of. Things are fundamentally more dangerous and violent, closer to living in an ex Soviet state at the time of collapse in how our world will change. People will desperately crave the stability you imagine exists now, but it won't come back for a while, at least where I live.
All non-trivial issues, certainly. But ask yourself if your fear of the future is keeping you from planning your best shot right now. You don't need to answer anyone but yourself. If you haven't (or are avoiding) financial planning out of fear you're missing out on valuable time. You won't know what's possible if you don't even try.