I wish...while programs exist, they are far from foolproof, often underfunded, and complicated to apply to. Many who are on the streets DO have mental or drug issues, no doubt, I've seen that many times. But in other cases, it's not that clear cut. Single mothers with young children, teens who ran away, elderly people who should have social security but what they got could not cover both their house and their medicine...it gets ugly. And then you find these people in a thin tent in winter having frozen to death under a bridge they took shelter at when it rained. While if you do find yourself needing help, you shouldn't hesitate to look for it, there's also no guarantee it will come. That's why I said it's best to get and keep a job, even if you don't want to, simply because having someone who is supposed to take care of you only works for as long as they do. If something happens (supporting partner dies, program gets defunded, etc) everyone they supported is left without a safety line.
I'm sorry if I'm depressing anyone, it's not intentional. I've just seen a lot of crap in my life, and I don't want someone having to learn all this the hard way thinking that an investment firm has some secret to wealth when they're just as beholden to market forces as anyone and if they DID have such amazing insights, why are the employees there, who are in charge of generating all this wealth and can clearly see how it is done, are not themselves rich...?
Edit: One thing, you mentioned coasting till you can retire, but HOW to retire? If you don't save, retirement may not be a viable option. And if you wind up needing assisted living or the like (and don't think you won't ever have that happen, it only takes on slip on some ice...) you could find yourself without any options unless you have savings outside the usual programs, which fall FAR short of what is needed.
I'm sorry if I'm depressing anyone, it's not intentional. I've just seen a lot of crap in my life, and I don't want someone having to learn all this the hard way thinking that an investment firm has some secret to wealth when they're just as beholden to market forces as anyone and if they DID have such amazing insights, why are the employees there, who are in charge of generating all this wealth and can clearly see how it is done, are not themselves rich...?
Edit: One thing, you mentioned coasting till you can retire, but HOW to retire? If you don't save, retirement may not be a viable option. And if you wind up needing assisted living or the like (and don't think you won't ever have that happen, it only takes on slip on some ice...) you could find yourself without any options unless you have savings outside the usual programs, which fall FAR short of what is needed.
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