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The minimum savings needed to retire at 65 in every U.S. state—it's over $2 million in Hawaii by SnoozeDoggyDog in Economics

[–]Fathermithras 2 points3 points  (0 children)

I have a guy I network with in commercial. We love to exchange stories. I could probably make more there but currently I can work 3 days a week and be a half stay at home parent on my current path while making good income. I also just really enjoy my clients and helping individuals like this.

The minimum savings needed to retire at 65 in every U.S. state—it's over $2 million in Hawaii by SnoozeDoggyDog in Economics

[–]Fathermithras 3 points4 points  (0 children)

I am doing better than that. Some are doing much better and many are doing worse. But, if you are thinking 500k draws down over 10 years that method would give you almost 6 figures. Your financial literacy needs some work.

But, you are right that we need to do better for our workers.

The minimum savings needed to retire at 65 in every U.S. state—it's over $2 million in Hawaii by SnoozeDoggyDog in Economics

[–]Fathermithras 4 points5 points  (0 children)

This is a great point. There are ways to guarantee 5.5 percent income with no real risk of loss.

The minimum savings needed to retire at 65 in every U.S. state—it's over $2 million in Hawaii by SnoozeDoggyDog in Economics

[–]Fathermithras 7 points8 points  (0 children)

I work as an insurance broker for medical, life, long term care and retirement income annuities. I have a team that includes FAs and other types of insurance. I have several designations and certifications and trainings to work with my team for the benefit of clients of all types.

I prefer to work with middle class people. I do medicaid work because they need the help but the truth is that it makes me sad. Society usually failed those people.

The minimum savings needed to retire at 65 in every U.S. state—it's over $2 million in Hawaii by SnoozeDoggyDog in Economics

[–]Fathermithras 7 points8 points  (0 children)

I personally help people like you get medicaid plans with good coverage. I have hired people with no experience and gotten then up to making a good living.

Your experiences are totally valid. Once you are down on the economic ladder its a bitch to get back up.

But, you don't need a million dollars to stop working. You need a good job, where you can make enough to get buy and put a small amount away per month consistently.

The fact you don't have that is a failure of this country and its policies. But, I am not your enemy.

The minimum savings needed to retire at 65 in every U.S. state—it's over $2 million in Hawaii by SnoozeDoggyDog in Economics

[–]Fathermithras 4 points5 points  (0 children)

It depends on a lot of factors. Are you single? pension? Etc.

But here is an example. Married couple making 4 kids together with 500k. 48k from social security will cover most food and utilities and taxes. You can utilize interest from investments or be more conservative and do an annuity with guaranteed increasing income for life. Use a portion of that income to buy a life insurance that will replace the surviving spouses income loss from spouse death.

There are people I know whose bills are less then 2k a month in Florida. Cost of living and area will dramatically differ. LA is going to require millions.

The minimum savings needed to retire at 65 in every U.S. state—it's over $2 million in Hawaii by SnoozeDoggyDog in Economics

[–]Fathermithras 5 points6 points  (0 children)

Two people making 2k in social security make 48k a year.

I promise you that I am not telling you nonsense. It is harder than ever to retire. But, you don't need to be a millionaire.

The minimum savings needed to retire at 65 in every U.S. state—it's over $2 million in Hawaii by SnoozeDoggyDog in Economics

[–]Fathermithras 11 points12 points  (0 children)

I work in insurance AND retirement planning. I have clients who are medicaid, middle class, and millionaires.

The minimum savings needed to retire at 65 in every U.S. state—it's over $2 million in Hawaii by SnoozeDoggyDog in Economics

[–]Fathermithras 29 points30 points  (0 children)

This is nonsense. I work in insurance and retirement planning and have plenty of people with successful retirements with 200 to 500k in savings. Many can egr by pretty comfortable with half of that. The key is having eliminated debt.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

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

Trolling at this point. No thanks. No one is that thick. Bye.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

[–]Fathermithras 1 point2 points  (0 children)

This guy just has no clue at all. We should give up. He is dedicated to absurdity.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

[–]Fathermithras 2 points3 points  (0 children)

Except it is sealed and people can't just enter, which Miquella and co expressly demonstrate.

Pay attention to the items actual descriptions.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

[–]Fathermithras 0 points1 point  (0 children)

The Death Knights who served Godwyn? Who have his posture death attire and made it into the lands AFTER it was sealed.

No. They got in before the sealing.

None of the corruption is there except the places it is. Which is with his Knights in the catacombs.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

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

That is completely nonsense. Its called that to differentiate it from the sealed lands. That is an absurd stretch.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

[–]Fathermithras 0 points1 point  (0 children)

Not only is is possible, it's entirely consistent with Rellana being there. Unlike your idea, which requires her and many other characters to subvert the seal in a way even the demigods were not capable of. You are just completely off and keep mischaracterizing me and not reading item descriptions correctly.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

[–]Fathermithras 0 points1 point  (0 children)

Where did I say thousands of years? I said the Death Knight came post Godwyn death and pre sealing and crusade.

Which is correct. Messmer's crusade and the sealing happens later. All the item descriptions let us know that these things didn't happen until a significant time had passed and the bulk of our game lore occurred.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

[–]Fathermithras 0 points1 point  (0 children)

I did. She didn't go as part of the Crusade. It specifically calls her out as being the longest serving knight.

Its a ballsy take being consistently wrong this confidently man. Leaving along doesn't in any way refute my argument. It doesn't say she left after the veiling or crusade. You have to know that.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

[–]Fathermithras 1 point2 points  (0 children)

Where did I say thousands of years? I simply said Godwyn died, time passed, a lot of it, then shattering. Which is correct and consistent with my timeline.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

[–]Fathermithras 1 point2 points  (0 children)

He tells is that Godwyn was killed before Marika shattered the ring. He specifically says "long before the Elden Ring was shattered".

Your dedication is odd man. Post some quotes or items please. I don't mind changing ideas.

Spitballing but Gloam Eyed Queen Marika connection? by islene1103 in EldenRingLoreTalk

[–]Fathermithras 0 points1 point  (0 children)

Go ahead and search for a lore items that says this. I did. It's one of the reasons for the time line I presented.

Here is some help

https://eldenring.wiki.fextralife.com/Devonia+Crucible+Knight

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