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I’ll let you know when I magically have spare money in the worst global economy since the great depression.
No one checks their 401k often. Most people don’t consider that investment given its a scam they likely won’t ever cash in.
USA people don’t have a state pension?
Depends on the job. Some state employees get pensions, yes. Private employers usually do not provide pensions. The majority of people are going to get Social Security after they reach a certain age, but only if they’ve worked for a certain number of years. And Social Security can be as little as $1200/month. (It was never intended to be someone’s sole income in retirement, just a supplement.)
You get social security if that’s what you mean, but chances are the boomers will drain it all before my generation gets a whiff at it. And it’s ass anyway.