Today is my birthday, I turned 45 years old. Depending on how you look at it, turning 45 is either not too bad, or it sucks.
Retirement – One thing that bothers me is I am nowhere near being ready for retirement. I partially blame myself, but I also blame every 401k management firm I have used. Since 1994 just about every 401k management firm has lost money, except for the one I am using now. How am I supposed to save for retirement when the people managing my 401k lose 20% of my money every year?
Something I worry about is if social security is going to be around when I retire? I know people who have never worked a day in their life and they are drawing social security disability. I work and pay into the system for some lazy bum to draw benefits?
Working Hard – When I was growing up, kids were told to “grow up, get a job and work hard.” Because we “worked hard” our efforts would be recognized and we would be rewarded. I know now that is a lie. Working hard is a wage slave mentality. No company is going to reward your efforts unless they have to.