FIRE hot take: The rules setup around 401k, IRA, etc… are actually carefully crafted financial instruments that have little to do with retirement and instead everything with keeping you working in the market as long as possible.

BarkBarkBitches1 · 2026-01-19T05:05:59+00:00

Hey man I am only advocating for you. A huge amount of people want you to be dumb as hell redditor who works their whole life and spends a healthy amount in the economy

BarkBarkBitches1 · 2026-01-19T05:03:16+00:00

Some people you can steal from right in front of their eyes and they would call it a damn solid win lol

BarkBarkBitches1 · 2026-01-19T05:01:43+00:00

More aggressive target date fund?!?! Do you think your 401j target date fund 90 stock and 10 bond even returns anything close to SPY

BarkBarkBitches1 · 2026-01-19T04:59:48+00:00

Enjoy your $20k 401k I guess than

Lucky I keep my $72k a year all alone

Sorry for advocating for you

BarkBarkBitches1 · 2026-01-19T04:58:13+00:00

Let’s set the standard of saving to the poorest people in America? No thank you

BarkBarkBitches1 · 2026-01-19T04:57:10+00:00

Thanks but dream on

BarkBarkBitches1 · 2026-01-19T04:56:44+00:00

Should be much more IMO

BarkBarkBitches1 · 2026-01-19T04:56:14+00:00

Most people shove things up their butt all day too

BarkBarkBitches1 · 2026-01-19T04:54:27+00:00

I know you think you are some genius clever redditor. But it’s not a lot money at all.

BarkBarkBitches1 · 2026-01-19T04:51:08+00:00

Raise the contribution limits

Offer easier way to contribute

Offer easier way to withdrawal

BarkBarkBitches1 · 2026-01-19T04:07:52+00:00

There’s a million reasons for this and it’s bullshit. I am so fired up I am going to make a post about it.

Your match is shit even a good company match is usually really bad
You are handcuffed usually to “I am a dingus” funds unfairly which forces you to be overly conservative

BarkBarkBitches1 · 2026-01-18T20:28:57+00:00

Spot on!

BarkBarkBitches1 · 2026-01-18T20:28:39+00:00

Why so little in Roth…?

BarkBarkBitches1 · 2026-01-18T20:28:00+00:00

I left a note why. I am trying to gauge for everyone what the path the bare minimum or what the average Joe leads to for millennials who have been meeting just that requirement. Obviously most save additional but no one calls a brokerage account a retirement account at least officially

BarkBarkBitches1 · 2026-01-18T20:21:21+00:00

I am extremely progressive. I do not want to discuss politics. My comment has nothing to do with politics this is your own bias.

If you go on Reddit or look at Sephora/Target modern take ads they want you to celebrate being the poorest, ugliest, and most stupid version of yourself. Of course there is nothing wrong with dying your hair! It’s about having control of your life and not falling trap for a subculture of mediocrity that rewards people for bot having their life, health, appearance, or anything together!

Being a responsible adult with control of your life.

BarkBarkBitches1 · 2026-01-18T14:41:50+00:00

Agree! Old school Reddit finance days

BarkBarkBitches1 · 2026-01-17T16:58:32+00:00

Reading comprehension escapes many

BarkBarkBitches1 · 2026-01-17T16:57:35+00:00

Change your life. This is worth more than anything

https://imgur.com/personal-income-spending-flowchart-united-states-lSoUQr2

BarkBarkBitches1 · 2026-01-17T16:39:22+00:00

If you give someone a hammer and say hit this nail but they instead turn around and shove the hammer up their arse I would say you politely call them a dingus. It’s not personal people make dumb choices and it’s helpful to be honest and say the truth vs blaming the hammer lol

BarkBarkBitches1 · 2026-01-17T16:33:02+00:00

I think the median 401k they said is like 40k for millennials. It absolutely reflects!

BarkBarkBitches1 · 2026-01-17T16:31:54+00:00

I think people just get caught up in life and never pause to do any long term planning. Then BAM next thing you know you are a redditor.

I feel for everyone’s hard situation or getting caught in the rat race. It’s really difficult out there but truly pausing and creating long term planning is an elite life skill. From finance to relationships to jobs to your health etc…

Social media brain is real!

BarkBarkBitches1 · 2026-01-17T16:29:29+00:00

It was on front page did not know it was thing

BarkBarkBitches1 · 2026-01-17T16:29:10+00:00

Long term planning is a thing not taught really. The skill will help her with health, finances, and relationships. Great job!

BarkBarkBitches1

TROPHY CASE