Quote:For many people, Social Security is the only fund into which they could afford to contribute. A lot of citizens have lived essentially from paycheck to paycheck for most of their adult lives. And, before you can say it's their fault, I know more than a few of them, it often wasn't. Even their meager success in life was a triumph of will and determination.

And for some, such as my husband, he put money away in his 401k for 20+ years thinking it was just going to be him living on his retirement. Then we get married 4 years ago and it's kind of a problem.


He has maybe 15 years to invest for retirement for two on one income until I finish school and hopefully get employed. With 2 surgeries in 14 months for me and the cost of those and rehab for the recent one even with insurance, plus replacing stuff on a 20+ year old home as it ages and normal living expenses, we're just getting by and he makes pretty decent money.


He works for local government which is a plus but when they say it's time to retire, you retire. And hopefully his state pension he also pays into will be there when it happens and doesn't get screwed out of it somehow.

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