"From homeless, destitute, penniless, no assets but the shirt on my back to made a difference because nobody else was going to do it for me."
Growing up, I heard that line again and again. My dad was the manager of an industrial canning manufacturer, which he left to become a realtor. The latter is self-employed.
He taught me how he had to put away money regularly, because nobody else was going to do it for him. It was excellent advice, especially for a kid who ended up making most of his money by being self-employed. At 29, I started saving. At 31, I became an aggressive saver. When I met the bride a decade later, I talked her into becoming an aggressive saver as well. When we paid off the house (13 yrs early), we doubled our twice-monthly savings.
Because of all that, she got to retire a little early, and I chose to work an extra 6 years, simply because I wanted to. That allowed us to take money out of taxable IRAs at a very low rate, and stuff it into our Roth IRAs. Now we'll bring in more money after taxes in retirement than we used to. take home when we both worked.
SAVING is the key. Starting young is the trick. Coverting to Roths when it's the cheapest is for the savviest.
" It is the dems who designed and passed it and all the problem lay at their feet. "
Nonsense.
The Dems designed O'Care with a required mandate to purchase. The Republicans "design" chopped off the mandate, hence the return to spiking costs.
You can't claim the Democrats designed what currently exists, after Republicans changed the central tenant.