You have to think they're not done moving the goalposts.

That's why I say, think about opting in early.

And for you young bucks out there.

Maybe it's time to start reconsidering how much you're paying in,

or the way that you're paying in, right?

A number of different things.

I'm spelling out your future for you because I'm at the precipice in my future.

In a couple years, I'll be signing up for my crumbs.

I would think at your age, you'd want to keep as much money in your pocket that you earn as possible.

They take enough.

And you're not going to get bang for your buck on the back end in 20, 30 years,

et cetera, 40 years.

So come up with a better mousetrap.

They've already robbed all of us.

The older generations don't seem to give a shit.

I certainly do.

If you just lay out the basic math that we just did, it's a fucking Ponzi scheme.

The only difference is you get a little bit back.

And guess who else gets a little bit back?

People who run Ponzi schemes and pyramid schemes, they always pay out a little you know you give them

two hundred thousand dollars of your retirement money or you know money you saved up and

they're like you know what we're going to give you a return to at least 20 percent on your

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