For Those Who'll Never Have $200K Saved For Retirement

It pisses me off every time I read an article telling me how I need hundreds of thousands of dollar in order to retire.
People earning $33,333 annually will only earn $1M in 30 years. So where were you suppose to get these hundreds of thousands from? That's #1

Considering inflation, 33,000 dollars earned 30 years ago equates to your 66,000 dollars you earn today. So millennials may earn more than I did but their dollars will buy less. My house cost $50,000 and theirs will cost $150,000 as an example. It took good money management skills to accomplish what I have and you'll need them even more today.

So those who know better continue supporting your flea markets because you're bargain hunters and know a good deal when you find one.

Today, I'm reading this headline:

"The average couple that retired last year will need $240,000 to cover future medical expenses in retirement"

So what are you saying here buddy? My 20% deductible is going to cost me $240,000 in the future, is that your point? Well, I think it's time for the MO insurance commission to examine charges, if that's the case. What kind of surgery is going to cost me a million dollars, since my insurance company already paid 80% which amounts to 800,000 dollars.

That's why I bought health insurance. The same logic I used to purchase car insurance and homeowner's insurance. I don't anticipate having to pay for the whole casualty and neither can I afford it. So, I purchase insurance to take up the slack.

While I'm at it, that's not the reason I saved for retirement.

My retirement savings is for me to enjoy that part of living

that I missed when I was reporting to a job 40 hours a week.

My retirement is for me to enjoy lunch with Red Hat friends and to support organizations like St. Louis Celebrity Seniors, Inc.

You see, I took care of the important matters like paying for my house so I would no longer have a mortgage and putting 2 children through college before I retired. So now, I can take an extended and expensive vacation without time or money constraints. My home has equity and if I should decide to liquidate and move into a senior citizen complex, it won't be on the high end costing me more than I bring home. But of course, that's how I've chosen to live my entire life - within my means.