Engineerone

My whole argument is to help people. People like you tell people the system is rigged against them and they get discouraged and stop investing or pull money out early because why try if they’ll never get anywhere. I work a standard job with ok salary but I’ll be a multimillionaire when I retire. I took advice from others who had good info when I was younger. Everyone can do it if you start young enough. Also, people who try to insult random internet people by predicting their IQs are projecting. Insults typically mean you have nothing else.

@Rdubengineer @moejoeryzen72 @UziCryptoo Why do you keep assuming other people are stupid, or bad at investing, or that they think "people can't make it". You are just loaded with evidence-free talking points, and IQ=95 self-righteousness.

The latest 401k data was released Here is the median balance by age: 18-24: $2k 25-34: $16k 35-44: $40k 45-54: $68k 55-64: $96k Over 65: $95k Saddest thing you’ll see all day 😔

@moejoeryzen72 @Maxamatosis @UziCryptoo Are you suggesting 401ks don’t earn interest? Mine increased by 22% last year alone. If yours isn’t then you screwed up with how you have it invested. My opening premise is still sound. Keep telling people they can’t make it though. Super nice guy.

@Rdubengineer @Maxamatosis @UziCryptoo I’ve got plenty of money for my retirement in 8 years. And like this stat, at 55, I’ve only got 215k in my 401k. But when you add up all my old 401ks—funds that are now in an IRA earning interest, I’ve got 1.7 million. A prime demonstration of why ur opening premise is wrong.

@moejoeryzen72 @Maxamatosis @UziCryptoo Sure buddy. You’ll just be poor your whole life. Be mad about it

@Rdubengineer @Maxamatosis @UziCryptoo Sounds like babble cuz your dumb. ur treating a cross-sectional median by age band as if it tracks the same ppl thru time. It doesnt. So when u compare 45 yr olds to 65 yr olds and infer a cause, it’s not math. It’s a bad assumption. U can’t use math against a bad assumptions.

@moejoeryzen72 @Maxamatosis @UziCryptoo Everything you just said is babble. Everything I said is true and backed by real math. Be poor. It’s your fault. I don’t care.

@Rdubengineer @Maxamatosis @UziCryptoo That’s a nice sermon, but it has nothing to do with ur original claim. You said the data proved ppl were pulling money out. It doesnt. Once ur premise fell apart, u switched into an irrelevant ideological rant, instead of manning-up and admitting you were wrong. 🤡

You can make all the excuses you want. I don’t care. No accountability is why many people are in their situations. “It’s rich people’s fault” is the attitude that keeps people from trying as they believe the system is rigged and therefore pointless to change. Yes the system is rigged btw so you can either learn to live in it or just be a victim your whole life. I don’t care but think it’s good that people hear what’s good for them but some just want to blame. You do you though. Best to you.

@Rdubengineer @Maxamatosis @UziCryptoo A guy can have 300k in a 401k at 45 and 120k at 60 because he got divorced. Part of the retirement money was split by QDRO. No “dipping” required.

I literally just did math. No numbers were made up as I used numbers from the given data range. It’s not my fault you don’t get it. Not everything is everyone else’s fault. Sometimes people screwed themselves. When all you do is blame others for your plight, you do nothing to fix yourself as you are just wanting to be a victim and it’s a terrible thing to try and make others think that there is nothing they can do to not be part of that statistic. Anyways it’s pointless to keep arguing with you so good luck with life.

@Rdubengineer @UziCryptoo So making random shht up out of thin air is evidence? WTF are you talking about. Look at the original post. Look at the numbers. And tell us all WTF you are on about.

@moejoeryzen72 @Maxamatosis @UziCryptoo If you step back 95k from 20 years of growth you would start with 14k. The median balance was not 14k 20 years ago. My math is still sound. Not only that, it would require that people didn’t continue investing a single dime over the last 20 years.

@Rdubengineer @Maxamatosis @UziCryptoo Ur comparing different age-band medians as if they track the same ppl thru time. They don’t. They’re different ppl with different incomes, participation rates, match levels, job histories, rollover behavior, Roth conversions, IRA transfers, cash-out history, and market timing.

@moejoeryzen72 @UziCryptoo Math is hard for some

@Rdubengineer @UziCryptoo It doesn’t mean anything

@bbaspirinOD_ @esjesjesj The OP made it seem like nobody would ever just drive into something and I pointed out people do it all the time. And there is “no sense in speculating”… as in we don’t know what really happened…. Read thoroughly next time

@Rdubengineer @esjesjesj i literally told u how you speculated in the comment you replied to, you don’t have to wait.

Why would she turn off autopilot just to immediately crash into a wall.

@bbaspirinOD_ @esjesjesj I literally said not to speculate… my lord… lmao

Nope. Please show me where I speculated on the cause. I’ll wait. Her testimony vs Tesla’s data. Until we hear further analysis on who is actually telling the truth and what exactly happened it’s all speculation. You do know people lie all the time for who’s at fault in accidents right? Not saying she is but her testimony is contrary to recorded logs of the car. Maybe the logs are wrong. That’s what investigations are for.

@Rdubengineer @esjesjesj are you not the one speculating? her testimony is that it was autopilot, which you are speculating as being possibly untrue emphasized by elon’s corroborating claim. but until elon shows any proof it is all speculation besides what she claims happened as she is the only witness.

Math is my evidence… why are you upset? Get out a calculator and check. If someone had 50k at 45, and then only had 90k at 60, the only way that could be true is if they were pulling money out along the way. 15 years worth of the average annual growth on 50k, and you should have a balance of 208,000.

@Rdubengineer @UziCryptoo Again. Where is your evidence that ANYBODY is dipping before? Why did you jump to that evidence free conclusion? I so enjoy being lectured by IQ=100 people regurgitating the Morgan Stanley talking points that every idiot knows.

After you retire…. Not before… That age is different for everyone and it’s a pretty important decision. There is an additional 10% tax penalty for taking anything out before you are 59 and a half. Plus the normal taxes you have to pay. Not to mention you rob yourself of that growth when you withdraw early. So just because you can withdraw at 59.5 penalty free, doesn’t mean you should especially if your balance is behind.

@Rdubengineer @UziCryptoo What means that? The only dip is for 65 and older. They are MEANT to be dipping into their 401ks.

@TmthyPatrick @esjesjesj So you just ignored everything in the law. I only pasted part of it. you are hopelessly captured. Fraud is clear and you’ll protect it to protect democrats. It’s pointless to continue any further discussion and I wont respond any further. Good day.

@Rdubengineer @esjesjesj HIPAA does not prohibit medical office clerks or billing specialists from working at home Working at home does not mean records are not properly secured The requirements to have an office doesn’t mean you can’t have employees working from home

Do you think the patients go to the offices for hospice care you fucking idiot?

You are incorrect sir. Not only is that a HIPAA violation it’s expressly illegal to run a hospice care out of a residence in California. You clearly are only defending it because the fraud is rampant under democrat control and it makes democrats look terrible. Below is the language directly out of California law. California Department of Public Health (CDPH) regulations governing hospice agency licensure: (a) A hospice must have office space that is an established place of business and must: (1) Be an unshared space where the licensee has exclusive possession. (2) Located in a commercial building that is either owned by the licensee or leased or subleased exclusively by the licensee for a minimum of 12 consecutive months. (b) A hospice’s office space must include, but is not limited to: (1) Permanently attached signage that identifies the name of the hospice as indicated on the license issued by the Department. Signage must be visible to the public, and must be posted on the exterior and in the interior of the office space. (2) Posted business hours visible to the public. … (7) Secure storage for patient medical records pursuant to section 74896.

@Rdubengineer @esjesjesj Yes, I think people can work securely from home Many medical companies outsource clerical work to home workers Hospice is often provided at the patient’s residence These companies may be fraudulent, but showing no workers in the office is not evidence of fraud

You honestly believe a hospice care company would be running out of someone’s back bedroom or garage? Medical records of all their patients kept on a computer in someone’s basement? Yeah sure…. Would you hire that company to care for your Mom? Why are you so desperate to defend and ignore obvious fraud?

@Rdubengineer @esjesjesj Can that clerical work be done from home?

@DoofisMannfred @TheSaurus831 That was lame. You can do better

@Rdubengineer @TheSaurus831 Oh, great. Now you don't know the definition of the word information. 🤪

Rogan is one of the most dangerously stupid dipshits in American history. 4 foot Neanderthal with the cognitive function of playdoh

@DoofisMannfred @TheSaurus831 A repost of a repost of a nothing burger. Do it again and it’ll still be nothing profound or intelligent.

@Rdubengineer @TheSaurus831 x.com/i/status/20344…