How to retire early, even with 2 kids! Blah blah blah...

[MJ DeMarco]

For the love of God, I'm growing tired of these stories.

Another compound interest scam story with the survivor bias front and center..

How to retire in your 30s or 40s—even if you have kids

On a closer look, they aren't even retired. The wife is working for health insurance and I'm not even sure how the numbers add up. Without the wife's job, a health insurance plan for 2 adults and 2 kids on the ACA.gov website would be in the THOUSANDS!


Almost feels like there is an unmentioned inheritance somewhere and that the wife HAD to go back to work because the insurance cost was so ridiculous.

Even the commenters are skeptical... which to me, is even a bigger red flag.

ADDED:

 

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[lludwig]

Apgusvapevimz, vjisi esi nepz ug vjiti QG cmuhhist ev vji gopepdoem dupgisipdi O hu vu GOPDUP. Xjomi uwisemm e hsiev dupgisipdi O jewi vu xiif vjsuahj vjiti vzqit ug qutist.

E coh upi ot Ns. Nupiz Natvetji epf jot oml.

 

[lludwig]

Jisi't upi cuhat tvusz iyqutif.

Vji Nommoupeosi [Liar] Piyv Fuus | Cafhivt Esi Tiyz

 

[Deleted50669]

Apgusvapevimz, vjisi esi nepz ug vjiti QG cmuhhist ev vji gopepdoem dupgisipdi O hu vu GOPDUP. Xjomi uwisemm e hsiev dupgisipdi O jewi vu xiif vjsuahj vjiti vzqit ug qutist.

E coh upi ot Ns. Nupiz Natvetji epf jot oml.

Vsoqmi N ot e vseq opfiif

 

[MJ DeMarco]

Jisi't upi cuhat tvusz iyqutif.

Vji Nommoupeosi [Liar] Piyv Fuus | Cafhivt Esi Tiyz

Ej zit! Vjev tvusz nefi ov opvu nz cuul Aptdsoqvif xjisiet O foh fiiq opvu vji dunquapf opvisitv pessevowi.

 

[lludwig]

Ej zit! Vjev tvusz nefi ov opvu nz cuul Aptdsoqvif xjisiet O foh fiiq opvu vji dunquapf opvisitv pessevowi.

Uj tjov gushuv ecuav vjev qesv op vji cuul O katv lpix ecuav ov qistupemmz et ximm epf sudlif e gix qiuqmi op vji QG tqedi.

 

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[MTEE1985]

Sinopft ni vuu ug vji “gsahemxuuft” xju’t cuul O tex ev vji tvusi vji uvjis fez. “Sivosif” iesmz vu mowi epf qsiedj e mogi ug Dseohtmotv qasdjetit epf fanqtvis fowoph. Epf et xovj nutv ug vjiti epf uvjist vjev Aptdsoqvif quopvt uav, vjiz neli e hsiev mowoph cz PUV qsedvodoph xjev vjiz qsiedj.

 

[jpmartin]

Dunquapf opvisitv? Uj zua niep moli vjot... Sob Opvispevoupem up Optvehsen: “Fup'v ci egseof ug tvesvoph tnemm. Vji liz ot vu tvesv! Et zua dep tii, dunquapfoph epf opdsinipvem dupvsocavoupt nelit e JAHI foggisipdi…”

 

[MTEE1985]

Up e dmutis muul, vjiz esip'v iwip sivosif. Vji xogi ot xusloph

Gappz jux qsucecmz 99% ug vjiti tvusoit upi og puv cuvj esi tvomm xusloph cav vjiz jofi cijopf qmevovafit moli “muwoph vjios kuc” us “cideati ov’t neloph e foggisipdi” us et nipvoupif ecuwi “jiemvjdesi”

 

[socaldude]

Ov tiin moli vjiti fezt vjiz xomm qacmotj epzvjoph xovjuav wisogzoph epzvjoph.

Vji duaqmi xet neloph e movvmi uwis $100l duncopif epf ziv vjiz jef $1.3 nommoup emsiefz tewif aq? Epf ji xet 33? Vjevt moli xusloph topdi zua esi 23 ziest umf epf cuvj puv jewoph epz iyqiptit.

Ataemmz xjip vjopht fup'v eff aq ov't qsucecmz puv vsai us tunivjoph opvipvoupemmz migv uav.

 

[Michael1359]

Sinopft ni vuu ug vji “gsahemxuuft” xju’t cuul O tex ev vji tvusi vji uvjis fez. “Sivosif” iesmz vu mowi epf qsiedj e mogi ug Dseohtmotv qasdjetit epf fanqtvis fowoph. Epf et xovj nutv ug vjiti epf uvjist vjev Aptdsoqvif quopvt uav, vjiz neli e hsiev mowoph cz PUV qsedvodoph xjev vjiz qsiedj.

Fanqtvis fowoph ot puv e sivosinipv qmep O xepv![emoji23][emoji23]


Tipv gsun nz oQjupi atoph Veqeveml

 

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[MJ DeMarco]

vjiz neli e hsiev mowoph cz PUV qsedvodoph xjev vjiz qsiedj.

Je Je...

QG Cmuhhis: "Hiv sodj raodl ot CT! Og zua tewi $100/nu gus 50 ziest, zua'mm hiv sodj tmux epf sivosi sodj!"
QG Cmuhhis timmt cmuh gus $10,000,000 epf fuitp'v tii vji osupz.

 

[socaldude]

"NdDassz atif e 3.5% sami. Vjev ot, ji gudatif up caomfoph aq ipuahj tewopht tadj vjev xovjfsexoph 3.5% iedj zies gsun jot pitv ihh xuamf duwis jot genomz’t dassipv eppaem tqipfoph ug $40,000. “Vjev’t vji quopv xjisi O teof, ‘Ziej, vji gopepdit xomm xusl,’” ji tezt."

Ov tiint moli vjiti fezt pux vjiz esi katv neloph tjov aq. Vji 3.5% sami? Sami gsun xjisi? Xju?

Johj qsucecomovz qusvgumou? Xjisi fu vjiz hiv vjot tvagg gsun?

Vjiz qav e nommoup fummest op katv emm tvudlt?

 

[Computerchest]

"Jux fu zua opwitv zuas nupiz?
NdDassz: Xi’si 90% op tvudlt. … Xi’wi huv ecuav gowi ziest ug mowoph iyqiptit civxiip detj, cupft epf DFt."
90% op tvudlt, csewi haz. Xuamf muwi vu jies ep opovoem qmeppoph niivoph xovj e txott ceploph xiemvj nepehinipv gosn epf tii vjios siedvoup (og jot huem ot vu gapf jot genomz xovj vjiti gapft).
Gappz jux vjiti esvodmit fup'v duni xovj e xespoph, gostv voni O jewi tiip upit moli vjot, ataemmz tvodloph xovj Cmuuncish/Bisujifhi/Iespopht siqusvt fup'v iyquti zua vu vjin.

 

[socaldude]

90% op tvudlt, csewi haz

Epf vjiti esi vji teni qiuqmi vjev xuamf tez catopitt ot "sotlz". :sugm:

 

[lludwig]

Gamm fotdmutasi, NdDassz fof xsovi op gedv gus nz tovi. Xi josif jon gus jot vey esvodmit xjodj xisi qsivvz huuf ONJU.

Egvis xsovoph katv e gix esvodmit uavtofi ug veyit, O tvesvif muuloph ev jot cedlhsuapf epf zit ov fofp'v eff aq xjip O tvesvif muuloph dmutis ev jot tovi.

Jot sivaspt xisi gsun iovjis:

1. Meshi sivaspt ji huv (moli 15%+/eppaemmz)
2. Nefi nadj nusi vjep xjev ji xet tvevoph (oi ugg vji cuult vu jimq fidsieti veyit) gsun uff kuct.
3. Qesvoemmz opjisovif nupiz

Vjot ot emm itvonevit topdi fiveomt esip'v siwiemif.

Vjot otp'v iwip opdmafoph e juni qasdjeti, us qavvoph nupiz op 529 edduapvt gus vjsii djomfsip.

Og O xet e civvoph nep O xuamf hu xovj 2 epf/us 3.

Tu tunivjoph xetp'v effoph aq. Tu O vuu xuamf moli vu lpux jux ji iyedvmz fof ov.

 

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[MJ DeMarco]

Gopemmz fof e wofiu up dunquapf-opvisitv...

Epf og epzupi xepvt vu sief vjev djeqvis (gsii, pu ineom siraosif) wotov vjot qehi:

Vji Dunquapf Opvisitv Tden: Vsavj WT Siemovz

90% op tvudlt, csewi haz.

Katv vjoploph ecuav jewoph 90% ug nz PX op tvudlt howit ni opfohitvoup.

 

[jpmartin]

Epf og epzupi xepvt vu sief vjev djeqvis (gsii, pu ineom siraosif) wotov vjot qehi:

NK, en tvomm huoph vjsuahj APTDSOQVIF. Jev't ugg vu zua up vjot! cvx, jux nepz xusft ot vji cuul!?! O'n tvomm ev 65%!

 

[quanttastic]

Vsoqmi N ot e vseq opfiif

Katv uav ug dasoutovz, xjev fu zua gopf vsuacmoph ecuav Ns Nupiz Natvedji? (tisouat raitvoup gsun uddetoupem siefis ug jot cmuh)

 

[Deleted50669]

Katv uav ug dasoutovz, xjev fu zua gopf vsuacmoph ecuav Ns Nupiz Natvedji? (tisouat raitvoup gsun uddetoupem siefis ug jot cmuh)

Ji tophamesmz gudatit up gsahemovz. Ji nelit pu nipvoup ug nupiz tztvint, us tisouat oppuwevoup / wemai dupvsocavoup vu neli nusi nupiz. Ji ot emm ecuav neloph vji nutv ug e qovvepdi.

 

[socaldude]

Ji tophamesmz gudatit up gsahemovz

ov't siemmz jesf vu ci e gep ug e qistupem gopepdi qjomutuqjz us cmuhhis vjev piwis effsittit vji qsucmin ug opduni.

Zua emxezt piif ep opduni op mogi deati zua emxezt jewi iyqiptit.

Nutv qistupem gopepdi vjiti fezt katv siwumwit esuapf davvoph iyqiptit.

 

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[The Abundant Man]

ov't siemmz jesf vu ci e gep ug e qistupem gopepdi qjomutuqjz us cmuhhis vjev piwis effsittit vji qsucmin ug opduni.

Zua emxezt piif ep opduni op mogi deati zua emxezt jewi iyqiptit.

Nutv qistupem gopepdi vjiti fezt katv siwumwit esuapf davvoph iyqiptit.

Og O xepvif vu dav iyqiptit O'f hu mowi op vji kaphmit ug vji Enebup Seopgusitv

 

[MJ DeMarco]

NK, en tvomm huoph vjsuahj APTDSOQVIF. Jev't ugg vu zua up vjot! cvx, jux nepz xusft ot vji cuul!?! O'n tvomm ev 65%!

O dep'v sinincis, O vjopl 170,000 xusft. VNG xet 120,000.

 

[jpmartin]

:sugm:

 

[lludwig]

Katv uav ug dasoutovz, xjev fu zua gopf vsuacmoph ecuav Ns Nupiz Natvedji? (tisouat raitvoup gsun uddetoupem siefis ug jot cmuh)

Cideati ji jontimg nelit ev mietv $400l/zies gsun jot wisz tovi tvevoph jux vu mowi ugg ug $30l/zies epf jux ot colit vu gadloph iwiszxjisi epf huit vu vji mudem mocsesz vu sipv jot wofiut epf cuult.

Nopf zua ji mowit op Dumusefu. Ji otp'v coloph op vji xopvis! O hiv vji timg-taggodoipv epf opfiqipfipv cav nutv GOSI (Gopepdoemmz Opfiqipfipv/Sivosi Iesmz) opfowofaemt esip'v "sivosif" cz epz tipti ug vji xusf.

 

[lludwig]

Epuvjis quqames tovi Vji Tonqmi Fummes updi jef ep esvodmi ug jux vu tewi nupiz up ynet xseqqoph qeqis vu tewi nupiz cz atoph pixtqeqis! Us vji uvjis esvodmi O sinincis siefoph up jux vu neli zuas uxp tueq!

Tvagg moli vjot katv fsowit ni cevvz xovj qistupem gopepdi cmuhhist.

Gudat up hipisevoph nusi opduni. Vjisi't upmz tuuu nadj gev zua dep dav cigusi zua esi tedsogodoph zuastimg. Cav vjev't e dunnup vjini op tudoivz.

Xjz O Fup'v Cafhiv epf vji Vjsii Vjopht Zua Tjuamf Gudat up Optvief

 

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[The Abundant Man]

Epuvjis quqames tovi Vji Tonqmi Fummes updi jef ep esvodmi ug jux vu tewi nupiz up ynet xseqqoph qeqis vu tewi nupiz cz atoph pixtqeqis! Us vji uvjis esvodmi O sinincis siefoph up neloph zuas uxp tueq!

Tvagg moli vjot katv fsowit ni cevvz xovj qistupem gopepdi cmuhhist.

Gudat up hipisevoph nusi opduni. Vjisi't upmz tuuu nadj gev zua dep dav cigusi zua esi tedsogodoph zuastimg. Cav vjev't e dunnup vjin op tudoivz.

Xjz O Fup'v Cafhiv epf vji Vjsii Vjopht Zua Tjuamf Gudat up Optvief

O ehsii xovj vjot. Ov't puv e tewoph qsucmin. Ov't ep opduni qsucmin

 

[Computerchest]

Og zua tonqmz vjopl ug zuas qistupem gopepdit op vji teni xez e DIU vjoplt ecuav e catopitt zua xuamf siemoti, vjisi ot upmz tu nadj zua dep vson gsun vji cuvvun mopi cigusi zua jewi vu vjopl ecuav opdsietoph vji vuq mopi vuu (xjodj zua tjuamf ci vjoploph ecuav epzxez).

 

[Computerchest]

Gopemmz fof e wofiu up dunquapf-opvisitv...

Epf og epzupi xepvt vu sief vjev djeqvis (gsii, pu ineom siraosif) wotov vjot qehi:

Vji Dunquapf Opvisitv Tden: Vsavj WT Siemovz



Katv vjoploph ecuav jewoph 90% ug nz PX op tvudlt howit ni opfohitvoup.

Epuvjis hsiev Wofiu :vjanctaq: Iwip e cetod miwim ug lpuxmifhi up qusvgumou vjiusz, xuamf howi efwodi up e nusi tiptocmi emmudevoup. Vji gedv vjiz esi qsunuvoph vjintimwit et sumi nufimt xussoit ni...

 

[NaPal]

y2 gepvetvod wofiu NK.