Please stop being doomer about your future. This is the most common and dumb cliche delusion that people get stuck in.

Every single on of you “I don’t plan on living that long” angst-turds out there are exactly the same as the evangelical christians who are planning for the rapture.

You will in fact live to 65 and you better fucking do something about it and make your plans now. Make realistic plans too, open a savings account with high yield, work on your education, get smarter, become social and emotionally intelligent, get therapy, fix your body and mind. These are your goals, not these fantasies I always see about either dying young or getting rich.

open a savings account

It’s one thing to have an account. It’s another thing to be able to put money in it. I’m lucky if I don’t have to take money out of my savings all month. About half my clothes have holes in them, and I keep thinking, “Maybe next paycheck I can go shopping.” But by the time next paycheck comes, it pretty much all goes to rent, food, fuel, or whatever else is more dire than new clothes.

But yeah, tell me more about how I’m not saving enough for a retirement that will probably never come.

I’m in the same boat but I still find ways to do it, way too late in life, because as I said above, you need to take your years-away future as seriously as what you’re going to eat tomorrow. It’s going to get harder and harder to keep the grind going and you will absolutely need some measure of savings in the future. As long as you’re making any money at all, even a few dollars here and there will help towards a better tomorrow.