Posted by Mike (WA) on May 06, 2014 at 16:19:18 from (69.10.199.173):
In Reply to: OT TV commercial posted by gtractorfan on May 06, 2014 at 12:43:29:
Yeah, these guys say (while keeping a straight face) that you need 2 million bucks to retire. Really? How about the 50% of folks who have substantially less than $2 million- namely, NOTHING except Social Security? Are they just supposed to do the only decent thing and die?
You just do the best you can, with what you got. Many won't be wintering in the south of France, but wintering in the north of Dakota is nearly as much fun, "nearly" being a relative term.
And then there's the guys who write to the Sunday paper columnist, "Ask Dweezil about Retirement" with such cutting edge problems as: "I have $2 million in my 401K, and don't need to draw any of it. But when I turn 70 1/2, I have to start drawing it, and the required withdrawal amount will be so high that it will make all of my Social Security taxable. What can I do?" (actual letter in last Sunday's paper). My answer would be, "Maybe you could just shut up. Why don't you do the honorable thing and just never draw Social Security at all? If you don't draw it, its not taxable. You don't need it, and the country is going broke. And you're complaining because its taxed? You'd b!tch if you were hung with a new rope!"
I have a wealthy friend who did just that- never even applied. And noted billionaire Warren Buffet, when asked how much a month he got, just smiled and said something to the effect that millions of Americans need SS, but luckily, he didn't, and had never even looked into it, much less applied for it.
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