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Sounds like a Ponzi scheme to me...

Mhm, that's another one. There's three; the ponzi one, the I won't live that long one, and the it'll be gone before I get there one.

3 against 1. I'm winning.

Sounds like some of that confirmation bias math to me... none of my dead friends have ever complained about their lack of retirement planning.

Neither did this alive one. Biased math for sure, everywhere we go.. more math. Language, currency, it all changes but the math in my accounts increases on the same day each month and I dont think I'm dead yet.

I've heard it all dude, seriously. And I have no idea how many checks I've cashed while preaching to deaf ears.