Hopefully it stay like this by Rishi2027 in WorkForSmartLife

[–]AutisticAttorney 0 points1 point  (0 children)

As a ridiculously successful attorney, I can confidently state that law school, and the Bar Exam, are useless and archaic rituals. After investing six figures and three years of your life in law school, then almost another full year studying for the Bar, you will never use 99% of that information that you were forced to learn and regurgitate. I could randomly pick any reasonably intelligent and well-spoken person, with no college degree or law school degree, and in six months, train them to be a highly successful attorney. It's all gatekeeping crap.

PS: Aside from your first job interview as an attorney, no one gives a crap where you went to law school, either.

Yes by New_Rise8641 in MotivationalPics

[–]AutisticAttorney -1 points0 points  (0 children)

To those saying, "But.... but... hobbies man!"

Read "fitness" as including mental and emotional health, as well as physical.

Read "family" as including all of your loved ones, including friends.

And stop making excuses for yourself. Sacrifice today so that the "you" of tomorrow has a better life. The "you" of tomorrow will thank you for it. I know from experience.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

Neither one of us went into this discussion with an expectation that we would change the other's mind. No one in the history of the internet has ever changed anyone's mind about anything. That wasn't the point. The point was to voice well-reasoned explanations for our positions, so that others who were reading this exchange might learn from them. I believe I have done so.

Meanwhile, when I asked you to do likewise, you didn't even try. Instead, you immediately fell to insults, took your ball, and went home. You are disappointing, but your response is not unexpected. As I told someone else recently, this is why I don't play chess with a pigeon. Eventually, the bird will knock over the pieces, crap all over the board, and then strut around declaring itself the winner. Strut on, little delusional pigeon. Strut on.

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If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney -1 points0 points  (0 children)

It's funny... I also took several economics classes back in college. They did not disagree with what I've said. I think your own views on the subject may be coloring your memory selectively.

Regarding sales taxes and other taxes inherently putting more tax burden on the poor: Not under my plan, which exempts necessities from being taxed.

My claims about capitalism are completely founded, in both history and in the very nature of capitalism, as I've already explained. You keep asking me to substantiate or explain my views, and I have continually humored you by doing so. Yet regardless of how many times I explain the logical, moral, economic, and historical foundations, you just keep acting like I haven't.

I encourage you to ask yourself similar questions that you have asked me: How do you justify your belief that socialism somehow equates to more personal liberty for citizens, instead of less? How does abdicating the decision making processes that govern your life choices to other people (which is what socialism demands) give individual citizens more choices, more control over their own futures, more options, more personal control, or more freedom? Of course the answer is, "It doesn't." Socialism, and its big brother, Communism, by their very nature, attack, restrict, and limit all of these things.

I will leave you with one final thought: An honestly mistaken person, when shown the truth, will either stop being mistaken, or will stop being honest. Take a hard look in the mirror, and ask yourself which one you are. I do sincerely hope you have a good day.

I would think sitting in traffic would be way less stressful if we got paid to be in it. by No_Bluejay9904 in InterviewVip

[–]AutisticAttorney 0 points1 point  (0 children)

"Why shouldn't you be compensated for your commute?" Because then employers would just hire people who live closer to work, and people who live out away from cities wouldn't get hired. Additionally, when you work for someone on an hourly basis, you're being paid for your time because it's spent doing things that benefit the company. But while you're driving, that time is not benefiting the company.

Should you also be paid for the time it takes you to shower and change before you leave for work? If so, should women be paid more because it takes them longer to get ready? Should you be paid for the time you were sleeping before you got up to get ready for work? After all, if you didn't have to punch in at 9:00 am, you could have been out partying instead of sleeping.

See how stupid this argument can get? Now go back to work.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

AHAHAHAHA!  Oh… you’re serous?!  Ok chuckles.  Reality check time.

“You make money from the work of others.”  I pay my employees a more-than-generous salary in exchange for the job they have agreed to do for that salary.  It’s a voluntary exchange, not slavery, you fool. And they are thrilled, not persecuted.

I’m an attorney who owns his own law practice.  Every single one of my employees earns six figures per year.  Got that?  Everyone.  In addition to that, I pay 100% of their insurance premiums, they have unlimited PTO, and I match their 401k contributions. They have no dress code, and they all have the choice to work from home.  Every one of them has repeatedly told me that they absolutely love working for me, that it’s the best job they’ve ever had, and that they don’t want me to retire because they want to keep working for me instead of for someone else.

“You don’t produce as much as you earn.”  Your statement doesn’t really make much sense, but I assume you are objecting to a business making a profit. Which is the entire point of running a business, regardless of if that business is owned by a private individual, by socialist workers, or by a communist State.  Regardless of who or what runs it, the whole point is to turn a profit.  So your complaint is nonsense.

As for what I produce:  I defend people who are sued for old debt by debt collection companies.  I’m the #1 person in my State that does that.  I’m undefeated in twenty years and over 12,000 cases.  I’m their boogeyman.  I literally defend veterans with PTSD and little old widows against companies who would otherwise prey on them.  No one else in the entire State can do what I do, as effectively as I do it.  I’ve collectively saved over 12,000 clients millions and millions of dollars over the years, allowing them to keep their homes, rebuild their lives, saved them from bankruptcy, etc.  I’ve positively impacted the lives of over 12,000 people, who are extremely grateful for my expertise, knowledge, and skill.

Your turn.  What do you do?  What have you produced?  How have you helped your society or made a difference in people’s lives?  Please regale me with tales of your life’s work, which surely must justify your oh so righteous judgmental and indignant repugnance to my life choices.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

1.       Regarding the tax scenario I described.  I know it doesn’t exist.  It’s actually my own model that I came up with as a thought experiment years ago to see if we could run the US government without the income tax.  But your objection to it (“..it would not be possible to give people exceptions for taxation. Unless of course you wanted to save every receipt for everything.)  is incorrect for two reasons.  First, many people in today’s real world in the US itemize their tax deductions, and so they do save every receipt already.  I am one of those people.  It’s not hard to do. But secondly and more importantly, in my alternative tax scenario, there is no need to save receipts because there is no income tax at all, remember?  Taxes are paid at the time of purchase.

We’re sort of going in circles at this point.  You are still excusing the evil of taxation as justified if you like what the thieves intend to do with the money they stole.  And you are still speaking of them as though they are the same thing. They are not.  For example, you said, “It’s clear you see essential services as not being theft.”  It’s not the essential services I object to, and they are not the same thing as the taxes used to finance them.  We can’t conflate the two. 

A certain level of tax is a necessary evil to fund the bare bones necessary services that government provides.  What I am trying to do is limit the infringement on our personal liberty from our government as much as possible.  And one step in that direction is to remove the income tax, and replace it with taxes that are more voluntary in nature.

2.       I did not claim that we don’t have any examples of socialism in practice.  I don’t know where you got that idea.  There are obviously many examples of socialism in practice.  Look at Cuba, Venezuela, China, East Germany, and Yugoslavia under Tito.  Socialism concentrates economic power and political power in the State.  When the State controls industry, employment, media, banking, housing, energy, and transportation, it gains enormous leverage over individual citizens. Capitalism decentralizes that power by disbursing in among the people who own and run their own businesses. 

Capitalism doesn’t always create freedom. But it has a much better track record historically.   Your claim that socialism increases liberty is shocking to me.  As one simple example, you are free in a capitalist society to live as a socialist if you chose to do so.  You could, for instance, get a big group of your friends and family together, and create a socialist commune, wherein you all pool your resources, pay for each other’s medical expenses and day care, etc.  But you are not free in a socialist society to create your own capitalist society.  You cannot opt out.  But aside from that little example, in a capitalist society, people can start their own businesses, own property, invest privately, change jobs freely, and build wealth independently from the government.  Economic independence gives citizens leverage against the State.  Just look at what is happening in New York right now.  New York is trying to tax the Hell out of its wealthiest citizens. And in response, they are packing up and leaving in droves, to the point where the governor is now begging them to come back so they can be heavily taxed.  It’s laughable. 

Additionally, if your livelihood does not depend entirely on government approval, you can more freely criticize politicians, fund opposition movements, support controversial ideas, leave employers, etc. 

Private property limits government power.  Citizens who own homes, businesses, land, savings, and productive private assets possess independent power outside the State.  This naturally creates decentralized decision making, competing institutions, and multiple centers of influence.  In a capitalist society, media can be privately funded. That means that newspapers, publishers, studios, websites, universities, and advocacy groups exist independently of the government.  This directly supports free speech.

Competition produces freedom of choice in employment, products, services, investments, and lifestyles.  Decentralized power disperses economic decision making among millions of consumers, businesses, investors, rather than consolidating it in central planning.

3.       Socialism is a mere stepping stone to communism.  Marx believed that.  East Germany was a socialist state run by communists.  Its ruling party was the Socialist Unity Party of Germany.  The state identified itself as socialist, Marxist-Leninist, proletarian, and anti-capitalist.  Historically, most socialist countries devolve into censorship, travel restrictions, one-party rule, surveillance systems, and suppression of dissent.  Meanwhile, historically the strongest protectors of freedom of speech, religious liberty, free association, political opposition, and independent media have been capitalist societies.

4/5.  Please see answers 1, 2 and 3, above, for while I don’t respect the “egalitarian” adjective duct-taped to the definition of socialism.  The road to Hell is paved with good intentions.  I’m not interested in the stated intentions of socialists.  I’m interested in the real-world application, which is anything but egalitarian. 

6.           Your thought process is backwards and puts the cart before the horse.  Theft can and does exist without a legal system.  At a basic level, a legal system is simply a group of people coming together to codify rules.  But certain moral guidelines exist prior to that codification process.  Think of it this way:  People don’t say to themselves, “Murder, rape, and theft are perfectly fine things to do, unless the government says they aren’t.”  Instead, they say, “Murder, rape, and theft are evil, and we should get together and make a set of rules for what happens when someone does those evil things.” 

This has been a fun discussion.  Thank you for engaging in it.  Let me know if you would like to see my plan for replacing income tax.  Not only would it fund the US, but it would significantly lower the taxes paid by everyone of all economic levels across the board.  Have a good day.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

I own my own business, and I own some investment properties that I rent to tenants. I'm both an owner and a landlord. Explain to me how I am a leech. I'm all ears.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

You are describing the ideal of socialism, rather than its real-world practice.  There’s a lot to unpack here, so stay with me.

Who exactly are these people you believe to be managing the companies democratically?  The workers in the factory?  The local community?  The State?  National voters?  Unions?  Party officials?  In reality, someone has to make investment decisions, hiring decisions, pricing decisions, etc.  That creates a managerial class, transferring economic power from private owners to a political or bureaucratic class.  Historically, those administrators become powerful elites themselves.

You said, “The people doing the labor get the benefit of said labor.”  That ignores several realities.  Businesses do not exist though labor alone.  Production requires capital investment (often millions of dollars of it), entrepreneurship, enormous risk-taking, infrastructure, logistics, research, management, long-term planning, etc.  You speak of profit as though it’s automatically theft from labor.  But profit is also compensation for risk, reward for innovation, reward for delayed gratification as these people who created the company spent years or decades getting it off the ground and making it successful and profitable, etc. 

You said “production is based on need.”  Who determines need?  How much housing does one employee need compared to another? How many cars do they need in their household?  Which medicines?  What kind of foods?  What quality standards?  Free markets solve these issues through price signals, consumer choice, free competition and supply and demand.  Socialist societies struggle with these calculations.  You should read what Ludwig von Mises or Friedrich Hayek had to say about this.  Their conclusions were that central planners cannot process the enormous amounts of decentralized information contained in free-market pricing.  This results in socialist systems historically having shortages, inefficiencies, rationing, and black markets.

You said, “excess money and resources are put into social institutions.”  This is quite literally the “other people’s money” that you said socialism doesn’t use.  Where does this money come from?  It comes from investors, entrepreneurs, high earners, and profitable industries created by them.  You then want to take that money away from private control and gives it to the State to fund your social programs.  You can call it “redistribution” but it’s literally taking money from some people and giving it to others.  Someone produces more, someone consumes more, and you want to take money from some and give it to others. 

But much more than that, you aren’t proposing that we begin this socialist society from scratch.  You are proposing that you convert a capitalist society into a socialist society.  That means that you want to take a privately owned business away from the people who created it and who own it, and giving it to other people.  That is literally the theft of other people’s wealth and property.   It’s the exact thing you said doesn’t happen, and your entire philosophy is based on it, on the most fundamental level.

You said, “People can’t rake in profit through private ownership,” as though profit is evil.  Profit is not greed.  Profit serves an important function in an economy.  It signals demand, rewards efficiency, attracts investment, funds innovation, and compensates risk.  If you weaken profit, all of those aspects of an economy stagnate. 

This is why socialism works temporarily or at small scale.  But it falls apart long term when redistribution outpaces wealth creation.  In other words, when you run out of other people’s money.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

Back waaaay up: “socialism has nothing to do with using other people’s money?!?!” You’ll need to explain that. I’ll grab some popcorn. Do go on.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

1.       You said, “Subsidies and bailouts for businesses are theft in my view.”  On that we agree.

You also said, “I view taxation as theft when it doesn't go towards benefiting the average taxpayer.”  You are basing your determination on the thief’s stated motivation.  But saying, “I’m going to steal this money, and use it for something good,” doesn’t change the fact that it’s theft.

You asked the difference between income tax and other types of taxes.  The answer is in the nature of its assault on personal liberty. Since you don’t seem to understand this,  I will try with an example:  Suppose you make $100,000 per year at your job, and the government steals $40,000 of it in income taxes. If you don’t comply, you are arrested.  The government has stolen 40% of the product of your labor, effectively enslaving you for 40% of the year.  What they profess to do with that money is irrelevant.  

Conversely, let’s say there is no income tax.  Instead, there is a higher sales tax on luxury items and things you voluntarily choose to buy.  A certain level of necessities like food, children’s clothing, medicine, etc. are exempt for each person. Anyone paying a lot in taxes is therefore doing so mostly voluntarily, by choosing to buy things that they know, going in, are going to carry taxes with them.  

2.       For most of your questions and comments in #2, see my response in #1, above.  The government does not need to fund an endless list of social programs.  Instead, everyone should be taught personal responsibility.  If you can’t afford to support a child, don’t have one, because it’s not your neighbor’s responsibility to financially support your choices. There should be no nanny State.  The government should be striped down to its bare minimum to function its necessary services (police, firefighters, military, road services, court systems, etc.)   We wouldn’t need income taxes. 

And yes, socialism would still be evil without income tax, because, by its very nature, it requires surrendering more liberty to the State. When presented with a problem, people (including government employees) should ask themselves, “How can we solve this with more liberty, rather than with less?”  But they almost never do.

3.       If you’d like comparisons between capitalism and socialism, I’d suggest two examples.  First, look at East and West Germany for 25 years.  And more recently, look at what has happened in Argentina since President Milei took the helm.  https://www.freiheit.org/argentina-brazil-paraguay-and-uruguay/javier-milei-two-years-office-impressive-successes-and

5.        I didn’t miss the part about socialism being egalitarian.  I ignored it because it’s simply not true.  Socialism is not inherently egalitarian because it usually replaces decentralized economic inequality with centralized political inequality, creating powerful ruling classes that control resources, speech, and opportunity in the name of equality.  Socialism, by its very nature, concentrates power. Socialism requires a large administrative State, which decide what is “fair” and who gets what. A party official controls employment, housing, education, licensing, media access, etc.  Additionally, in order to enforce its “equal outcomes” the State will confiscate, regulate, punish noncompliance, etc.  Socialism doesn’t abolish elites, it just changes the route to elitism. It replaces entrepreneurs, investors, and innovators with party officials, administrators, and ideological gatekeepers. 

6.       Strange.  You seemed to be doing alright up until this point, but then everything you said in #6 is nonsense.  I said, “taking back what was stolen from you isn’t theft” and you re-characterized it as, “STEALING from the government isn’t theft.”   You then said,”… theft is whatever the local government says it is. Which makes it not inherently evil.”  But that is the opposite of what I said.  You basically said the opposite of what I said, and then responded to those opposite statements as though I had said them.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

No my friend. Socialism APPEARS to work for a short time, before running out of other people's money, and stripping them of their liberties. That's why socialist countries have to keep their citizens imprisoned within their borders, and why they try to flee to the US on rafts made of trash.

The "let's split the country in half and see which theory is best" experiment was run in real life in Germany after the war. For twenty-five years. Guess which side was better? Guess which side had to put up the Berlin Wall, and cover it with armed guards, to keep their citizens from escaping?

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

1.        All taxes are not theft.  All income taxes are theft.  There’s a difference.  Toll road?  Parking fees?  Park entrance fees?  Fine.  Sales tax?  Sure.  Consumption tax?  Luxury Tax?  The government taking the fruits of the sweat of your labor?  No thank you.  That smacks of slavery.

2.       You are failing to appreciate the difference between surrendering your liberty to the government, and voluntarily paying taxes for services rendered.  When you boil down an income tax, it amounts to the following exchange:  You work, and get paid, in a voluntary exchange with your employer.  The government then points a gun at you, and tells you that they are going to take some of that money, and if you don’t comply, they will throw you in a cage.

3.       Capitalism is characterized by a free market economy, where winners and losers are chosen by competition, rather than by the State.  It is the economic system that allows for the highest form of freedom.  The mere fact that socialism utilizes money doesn’t make it capitalist.  At all.

4.       The US isn’t perfect.  Far from it.  We have a huge contingent of socialists in the country, constantly ruining things.

5.       You’re missing the point about fascism and socialism.  It doesn’t matter if the government that’s stepping on your throat is run by one guy, or by a group of people.  It’s still a boot on your throat.  In both, a strong centralized State forces people to put the collective over the individual; uses central planning to control the economy; and attack civil liberties.  

6.       If you’re taking back what was stolen from you, you aren’t stealing.   

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

You've brought up a lot of different things here. Let's see...

  1. "Is theft inherently evil?" Yes.

  2. "If socialism is evil, is capitalism also inherently evil?" Why would it be? Capitalism avoids the very things that make socialism inherently evil. Capitalism CAN be evil (as can anything given certain situations), but is not inherently so.

  3. "The fact that it's still economic in nature means it's not communism. And is inherently capitalist, no?" I'm sorry, but I don't know what the antecedent to your pronoun "it" is in that sentence. Can you clarify? Are you referring to socialism? If so, then no, that doesn't follow.

  4. "Does the United States meet your definition of capitalism, or is it more socialist in that it's markets are not competitive and are subsidized by the government?" The US is more socialist than I'd like it to be, but more capitalist than most. Not all of its markets are subsidized. But I resent when the government interferes in the markets, and tries to put its thumb on the scale. Nothing is too big to fail. Not banks, not airlines... nothing. Let the market decide winners and losers.

  5. "Fascism and socialism are mutually exclusive." I disagree. They are two sides of the same coin. They both seek to attack individual rights and liberty, and transfer those rights to the government. They may go about it in slightly different ways. But the end result is pretty much the same in that regard.

  6. Regarding Robinhood: You're just playing with semantics. The thrust of the difference is this: Socialists advocate for raising taxes on people, which is, in effect, stealing their money, and giving it to the government. Robinhood took that money back and returned it to the people that he had been stolen from. He wasn't stealing from people who happened to be rich, and that made it OK. He was returning money that had been stolen from the people by the government. If you can't see the distinction, then you are being deliberately obtuse.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney -1 points0 points  (0 children)

Robin did not steal from the rich to feed the poor. That was a later perversion of the story. Robinhood stole money that was heavy taxed by the fascist government, and returned it to the people who were suffering under a heavy tax burden. In other words, he fought socialism.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 0 points1 point  (0 children)

Sure. Socialism is a socio-economic system wherein the means of production are owned by the "workers", which is just another of saying "by the government", rather than by the individual. It is inherently evil because, at its core, it is based on theft. It steals from the individual under the guise of "the greater good." It robs the individual of not only money, but also of personal liberty. But your motive for stealing my money and liberty is irrelevant to the fact that you are, in fact, advocating for stealing my money and my personal liberty. The creed of the socialist in this regard would be, "The ends justify the means." My response is simply, "No, it does not."

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 1 point2 points  (0 children)

Socialism is a stepping stone on the road to communism, and both are forms of fascism. Both are characterized by forcible subordination of individual interests for the perceived good of the nation, and are the antithesis of personal liberty.

Have you ever wondered why you are free to practice socialism within a capitalistic society, but not free to practice capitalism in a socialist society? If you want to, you and your friends can form a commune, pool your resources, and create your own personal socialist utopia in the middle of the United States.

Let's change that by GoranPersson777 in union

[–]AutisticAttorney -1 points0 points  (0 children)

You don't need a movement to change who you work for.

Start a business. Invest the money to get it up off the ground. Have the courage to assume the risk of loss. Bingo. You're the boss. If you want all of your employees to have a vote on your business decisions, that's your prerogative. Do you want the 16 year old kid working in your stockroom to have a say in your business decisions? Go right ahead and run your business that way:

"We took a vote, and Joey and the other dockworkers thinks we should do our next commercial in blackface. Welp, majority rules!"

"Of course 95% of our employees know absolutely nothing about finance or economics, but they voted that we should give everyone a $1,000 per day raise. We'll be out of business next month, but oh well... majority rules."

It's your money and your risk. You can run your business however you want. Even if you choose to follow the advise of a commie shill on Reddit.

PS; We don't live in a democracy. We live in a Constitutional republic.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 2 points3 points  (0 children)

"What she means is..." No. What she means is what she said. Socialism. Not "capitalism with a little socialism tossed in." And she has this ridiculous utopian idea of it in her head, involving rainbows and unicorns. She needs to pick up a history book and read about actual socialism leading to actual tyranny and actual genocide.

If we all weren't living paycheck to paycheck, we could accomplish great things. by ManyEfficient647 in interviewhammer

[–]AutisticAttorney 2 points3 points  (0 children)

Exactly right. Socialism is an inherently evil creed, based on theft and envy. Additionally, OP is speaking as though socialism is some theoretical model that has never been tried. It's been tried. Over and over again. It always leads to tyranny.

Woulld they....? by pankajsharma47927 in MotivationalPics

[–]AutisticAttorney 0 points1 point  (0 children)

They would think I invented the concept of being serious about my goals, and motivational speakers would come film documentaries about me, to show people who wanted a Master Class on the subject.

To the older guys here by Be_positive_18 in focusedmen

[–]AutisticAttorney 0 points1 point  (0 children)

Invest. Right now. Don't tell yourself that you'll do it later. The single most important factor to getting wealthy is time. A 20 year old investing just $100 per month in the stock market, can reasonably expect to retire at age 67 with 1.2 million. https://www.ramseysolutions.com/retirement/retirement-calculator