this post was submitted on 05 Mar 2024
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My retirement plan involves laying down in a ditch off a highway in Colorado with an amazing view of the Rockies during a freezing winter night and just falling asleep. Social Security will not exist when I reach retirement age. I have a pension through work, I contribute to a Thrift Savings Plan, none of it will be enough, and I refuse to contribute more to either (as my Boomer parents both (of course) suggest), because to me I am literally throwing that money away. I will never see that money, the markets will crash, I will be left with nothing anyway, there's no point.
This is.... An unhealthy mental stance to take. The markets have pretty consistently gone up for just about a century now, its about time in the market not timing it. Yeah it will go up and down, yeah we really might see a recession in the next few years, but 20-30 years from now, money you've invested will be worth considerably more and you'll likely feel quite different when the time rolls around.
I worry about you, grasshopper_mouse. If you really feel this way, please talk to someone.
"You don't understand! Right now is the worst times, and my specific suffering is the worst and most hopeless in history! This is the end!"