The most important thing for you youngsters is to have some fun and enjoy your youth but more importantly it is to work hard and save for your retirement. It's easy when you're in your 30s to do that. When us Baby Boomers are done with Social Security there might not be much left for you guys and certainly nowhere near enough to retire on.
I worked hard all of my life and invested. Now I am looking at early retirement in 3 years at age 60 and I will live very comfortably. Hard work and financial planning is how to get there while you are young.
I can agree with that. I started investing when I was 21. It was probably the one and only time I thought of the future. Believe it or not, I started my 401k with Wal-Mart, because they offered and I said "Why not?" No more thought than that. I wasn't thinking about much back then. I mostly liked to do all of the dumb things people do when they're that age... not the most responsible choices but definitely the most fun... sometimes so much so it's still mostly illegal
I've carried that 401k everywhere since then and looking at it now and seeing how much I've actually accrued, I think it was the right choice. I'm looking at expanding to other avenues, just seeing how much you can do with really just a little cash flow and some time. I'm a boring mofo now... do nothing but work, save, and tinker with hobbies. Sometimes I leave the house in search of a mate, to exercise, or to see my friends/family. It's a simple life. Not much overhead, drama, or problems. I'd like to at some point be able to do basically this, minus working 8-12 hours a day most days. Maybe take the time spent not working and travel a bit. I think I can get there, but I would never entrust that to social security. I meet people NOW, all of the time, who are retired and still work to pad out the bills, living basically bare minimum if not for help from family or people close to them in their community. Retail is full of them. They work in basically every corporate-owned store I ever go to. I can't imagine being that age, when you should be enjoying the time you have left, putting up with the bullshit those places can put a person in front of. Some do it just to keep busy, but most don't seem too happy about it... have problems on their feet and all of the high-energy flim-flam you deal with, not to mention the stupid politics of those small people. That can't be me. No friggin way.
If I thought SS could afford me so much as a leisurely life in a 55+ trailer park, I might be content with that - I'm really just that easy, but I seriously doubt even that will be possible for us millennials 30 years from now. Or at least... I'm not playing wait-and-see on that one...
I have a new Skyrim meta. It's called "Is a mod doing that, or has the game just always been that way?" Sometimes it is legitimately hard to tell if I broke some minor thing, or if it was always that way and I never noticed/simply ignored it. Never ending supply of totally unique quests!
I'm going through Ysgramor's tomb right now and I just realized that Farkas really is just dumb as rocks. See he had a bad experience with spiders once, so he can't come with Ayla and I on our little journey to meet Ysgramor, the first true king of the nords, founder of the companions, semi-deity-level man... the guy who laid out the principles the man lives his life by. And mister super-strong werewolf dude won't go to meet his greatest role-model cuz spiders... one of the weakest enemies you can face in all of Tamriel. "Say hi to Ysgramor for me, okay?" Sure Farkas... definitely be sure to mention how you couldn't come because you valiantly stayed behind to eradicate some stupid spiders when we go party with the fuckin Bringer of Worlds. I'm sure the warrior of all warriors will understand.
Is he sure he wants to go to Sovngarde to meet him after that? May curry more favor with the daedra Hircine in his eternal hunting grounds... you can still hang with Aela and Skjor... but I dunno if he'd take a spider-shy werewolf either.
It just cracks me up, man. He has a chance to meet his idol before he dies, not knowing if he'll even go to Sovngarde to meet him in the afterlife, and his answer is "Well... I would, but spiders... you know what I mean? So sorry. Can you just like, tell him I said hi...?"
