Why pay 401K?

You can invest in stocks in a 401k you fucking retard.

Dollar for Dollar match plus tax-free is 120% guaranteed gains. If anything put it into a moneymarket and YOLO all the rest of your portfolio.

it’s not always gonna be 30% dipshit
you can pick what you want to invest in thru your 401k

Your young. Now is the time to be an agressive fag.

i get match dollar-for-dollar up to $6k a year

so each year it's like the easiest guaranteed 2x of your life

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Your an idiot to not take every penny you can from your employer. Just personally manage the fund instead of letting the firm your employer uses, then you don't pay them the maintenance fee.

I do both.

Investing your money into bitconnect would give you a better return than bonds.

Tax free, matched by company.
Free money.

Depends on the company. I made $150k at Publix last year. Motherfuckers only match up to $750 a year. And they paid me back like $5000 of what I contributed in 2017 because low income earners contributed too little compared to high income earners.

401Ks are the biggest scam ever...

Ask yourself this... why would you be penalized 50% for taking out early? That's your money afterall right? 401k are a Ponzi scheme scam.

Stock market is just as bad... completely inflated by criminally suppressed 0% interest rates and cheap money. Once the drugs wear off the market will collapse.

As anti Jew this board is it's literally amazing to me that people keep their money in the Jew rigged stock market. And even if the market goes up.... it won't outpace cost of living. See Venezuela where their hey have record stock market highs and formerly middle class are eating their pets

The only TRUE retirement package is buying gold and silver AKA real money. Going to be lots of starving people soon when the market collapses.

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All sheep contributing to a LOL 401K.

You dumbfucks are literally the definition of normies while coming on here and making fun of normies.

B-but Everton puts there money in 401K's durrrr so ebbberboddy is gonna be rich and have a nice retirement.

Stupid fucking idiots. Inflation is going to fuck you in the ass you think you are going to have a 401K in 30-40 years when we are 20 trillion in debt and andollar crisis ok the horizon?

The first thing the govt is going to do is seize your 401k's in a debt collapse/currency crisis

You need GOLD and SILVER

Where to buy gold and silver?

No it's not you stupid normie dumbfuck. There's no such thing as free money. They are baiting you into putting money into their Jew rigged stock market. It's all going to collapse. It's a fucking scam.

It's a bigger scam Than chemotherapy.

Hey goy gib us your monies... cuz it worked out brilliantly with SS, right goy?

You are all fucking normies. Deflationary collapse is coming... the dollar will be worth nothing. How did you dumbfucks get so brainwashed in public schools that you would willingly entrust govt sponsored 401k's with your retirement money.

Put it all in gold you dumbfucks

Binance

Local coin shop... just do it... don't even need much... 20 ounces of gold and you'll and 3-400 ounces of silver. Even less... and you'll be balling when the dollar collapses.

These fucking dumb niggers think the next 30 years are going to be like the last 30 when it comes to the market. Ask an actual nigger about the 20 trillion in debt... they don't care. Just like the brain dead normies on this board.

Fucking idiots. If not about being in the stock market... it's about knowing when to get the fuck out of the market.

You get free money if your company matches your investment

Pay up to the match level, invest the rest into whatever you think is best.

You are such an angry aspie. I like it!

No. You pick index funds and you gain 2-3% a year after inflation, on top of the match from your company.

The shemitah never happened. People got rich instead. I started making money when I stopped listening to Jow Forums conspiracies and switched to biz. If society collapses, I have my guns

Your stupid. China and Russia are letting the dollar go soon. Inflation is going to fucking ravage us. That's what happening when you don't have a gold standard and the Jews confiscate all your wealth through inflation.

You fucking idiots don't have a fucking clue what's coming.

20 trillion in debt dumbfuck. Use your brain

I respect Jow Forums but this. I have my beans bullets and bandages; I don't need much gold or silver because weapons, potable food and antibiotics will be much more valuable if we hit such a level of collapse. Index funds and crypto with an emergency cash fund at home is all I need. I'll buy property after the bubble bursts again.

20 trillion in debt numbnuts. Look to Venezuela as to what happens when you are bankrupt.

You think the chinks are producing at the rate that they do to provide goods to debt laden Americans until the end of time?

They are going to want to start consuming their own goods and raise their standard of living. And china has been stacking gold like there is no tomorrow to get out from under the dollars thumb.

You want to think it's conspiracy theories? Fine. But you are literally dumber than a nigger if you have any substantial wealth and don't have at LEAST 10 ounces of gold.

It's free money you fucking brainlett. Free money that won't be taxed if you go with ROTH contrbutions. What part of that is so hard for you to understand?

Gold? You mean the elemental Jew? Nice try, Eisenberg

im making slightly more than 70k, if my employer doesnt match, it it still worth it to put money in my 401k?

You dumbass. The Jews banker propaganda as throughly brainwashed you.

What are you going to do? Put your entire net worth in fucking bandaids? Literally every person who has ever lived the last 4000 years is rolling over in their grave at your comment... you don't "need gold and silver."

This is why I'm getting angry because it's you brainwashed normies who fucked it up for the rest of us.

Gold is money you dumbfuck. What? You think if society collapses we are going to live in some sort of closed loop barter system exchanging toilet paper for blowjobs until the end of time?

There will probably be a new currency and if you don't have real money to exchange for it you'll be living like a nigger on the south side of Chicago.

Russia and china stacking gold like crazy yet they are also embracing cryptos so it'll probably be a gold backed crypto standard. We aren't going to go back to living like cavemen you moron

Holy fuck.......there is no "real money". There's not some magical force called "value" Gold has that other metals don't. All markets are a ponzi. You hold Gold etc as a hedge, not because it's "real money". It's a meme like everything else.

Kek, right for all the wrong reasons. Holy fuck you Gold worshippers are terrible.

Would it be wise to focus only on gold and ignore silver?

Before JP Morgan died...

"Gold is money - everything else is credit." (1912)

Gold has been money for THOUSANDS of years you braindead nigger self important millenniaL. Life existed before your whore mother had you. You realie this right?

Did Nazi Germany need gold and silver to recoup? Nope, they issues debt-free money backed by work. Stop being a fucking brainlet, my pittance worth of gold and silver would be highly manipulated by the same people that own the overwhelming majority of it.

Depends on whether you value the safety of tax-free stock market growth. The opportunity cost of investing that capital elsewhere is high if you're young though. I'm in a similar situation - I'm young and make over $100k/yr but my employer has no matching plan. Hence, I invest what I would normally put into a 401k into crypto.
YMMV of course, but definitely invest money somewhere though. Horrible idea to not save for the future.

No. Silver is the most undervalued asset in the world.

Go to usdebtclock.org and go to the bottom right hand corner and look to see what silver and gold should be at.

The gold to silver ratio will revert back to 16 to 1 soon enough. Currently an outrageous 80 to 1. But still good to have gold anyway because gold is the monetary standard.

I think it will end up being a clean reset. Comex has been suppressing gold so the chinks can get it cheap. And I think in return the United States has been able to accumulate silver. JP Morgan had a big 500 million ounce stash.

So the chinks get the gold for cheap since we can't pay the debt. We stack silver....with the agreement that after the currency reset the gold tonsilver ratio reverts back to its mean of 16-1

Which is the ratio that gold and silver come out of the earths crust

How is gold and silver manipulated? A gold ounce 900 years ago is still a gold ounce today, right?

If the dollar crashed tomorrow and couldn't buy you anything. Guess what? My gold is completely unaffected.

This is why you are a brainlet and why most Americans are brainlets. You think gold derives its value from the USD existing.

Guess what? Gold didn't all of a sudden become valuable when America was born and the dollar was created, right?

The US government will raid 401ks eventually to pay for federal pensions and social security shortfalls.

The guise will be saying that they need to act as custodians for people's retirement and wealth. We tried it the privatized way and it isn't working because here are old people eating dog food because their 401ks got devastated by the coming financial crisis, like they were in 07-08.

And the jealous, poor masses will say "yeah! take his 401k! why should he have all that wealth!" and the democrats will say "did you know that only 13% of blacks have 401ks but 70% of whites do? racism!".

They will change the laws to make it less attractive for employers to match, for employees to contribute, and also tinker with tax rates to make it unattractive to withdraw from down the road, lessening the penalty for early withdrawal to make it more enticing to do, deadlines, etc. why think about the future goyim, in the long run we're all dead?

it is a giant pot of gold, and they want it.

This

You people lack simple basic fundamental logic. If the dollar disappears tomorrow my gold is completely unaffecred. Only niggers can't figure this basic common sense out.

And read my response. Happy for your reply.

In Weimar Republic Germany hyperinflation a hotel bellcap had 25 ounces of gold saved up and bought a city block after hyperinflation.

What you fuckheads don't understand is that GOLD is SAVINGS.

Now what would you rather have? Your wealth and savings in a cheap money fueled stock market that will collapse soon? Or would you rather have your savings in gold? Which is real actual savings.

Beautiful. Brilliant. Someone who can critically think. The rest of you have the IQ of a pajeet

What is the best course of action in your view?

>In Weimar Republic Germany hyperinflation a hotel bellcap had 25 ounces of gold saved up and bought a city block after hyperinflation.
He could have done that with any commodity, not just gold

This fag is shilling fear porn. The best course of action though is to move to a white state that votes Republican

Haven't you been reading? I've only made 19 replies brainlet. You buy gold and silver which is real actual savings.

Fiat currencies are failing worldwide. Do you want fake digits ok a bank screen or do you want real tangible wealth... gold and silver. Which is liquid everywhere on planet earth.

The Chinese citizens collectively own 6k tons worth of gold. And tons of silver.

Meanwhile in America Americans think silver is a color and would rather have a free Hershey bar instead of a 10 ounce bar of silver if you watch any mark dice videos

m.youtube.com/watch?t=27s&v=bYhTFz_SGw0

Here is the video of multiple morons accepting a free Hershey bar over a 10 ounce bar of silver. Most of you 4channers in this thread would do this also

Your proposal works just fine with virtually any valuable commodity as I said. That bellhop could have done the same shit with anything that held its value against foreign currency. Hell, he could have literally held USD.

Gold isn't a commodity dumbass. Food is a commodity. You can't buy a fuckinf city block with gold you stupid ass Jew nigger.

Gold is money... not a commodity

Wtf would he have done? Bought 10 tons of Frosted Flakes and exchange that for a city block?

How fucking stupid are you people. You hate the Jews yet they have throughly brainwashed you and you don't even recognize it

Gold isn't a commodity brainlet. It doesn't erode or spoil or get destroyed.

Gold is money.

Wheat is not money

He would obviously have sold his commodity for currency and then exchanged it for real estate just as he did with the gold you stupid cunt

Calm down, Alex Jones. I see you post these schizo-retard rants on the daily. Have fun stockpiling your shiny metal you nigger.

>How is gold and silver manipulated?
>what are exchange traded notes
>what is hoarding it all so you control the economy

Regardless, your window of collapse that you're betting on is narrow, you assume the dollar will be obliterated but all the infrastructure of society will remain intact, thus trading in gold will be valuable. Well in that case then crypto is just as valuable because there is a finite amount and more cannot be created. In your scenario crypto AND metals would go up in value until a new dollar is made. On the flip side, in a collapse where infrastructure is gone, if you think you'll be wheeling and dealing gold blocks for some deer meat you're delusional. Bullets, water, food, shelter, fire and medicine will reign supreme in that scenario. I've hedged my bets.

That's funny because German stocks gave great returns during hyperinflation.

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If gold disappears tomorrow, my dollar is completely unaffected

Do you recommend buying gold bars could etc and keeping them in a safe deposit box?

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You’ll never get through to him, he can’t handle the fact that crypto has replaced gold as the new, true money

Yes! Sell it for currency! Gold is currency AND money!

Why are there dollars? Cuz it's easier to transact than transacting with gold and silver. But you still need money backing the currency otherwise we end up in a situation like now where the Jews print fake money and devalue our savings. Then the retards scream income inequality just like the Jews want them to do so then they can take even more money from the producers.

Gold doesn't get devalued tho right? 100 years ago a good weekly salary was 20$ and that equaled an ounce of gold. Had you put that 20 bucks in your pocket for 100 years it now barely buys you lunch at a bar. But that ounce of gold is worth $1350 which is still a good weekly salary. Just like 100 years ago when it was worth 20$

i buy gold and silver etfs thru my 401k

100 years ago the S&P 500 was $7. Now it's $2700. 6x the return on gold, not even including dividends. At 2% dividends per year, that's another 7x increase. If you put $20 in stocks in 1918 you would have almost $30,000 today.

Reeeee muh hyperinflation

Roth IRA if you're eligible. No tax benefits for contributions but you'll be able to pull out any and all contributions once the account is 5 years old. So if they try to change things and say that the distribution of the earnings are no longer 100% tax free (as they are now, after 59 and 1/2), then you're really no worse off than the 401kers who got kiked too ... but you got your contributions back. Since those are all post tax it would be nigh impossible for them to grab those.

So it is a hedge in case the system doesn't go crazy. You will still eat the opportunity cost of having tied up that money and having no earnings while inflation chips away at it (if uncle sam gobbles up the earnings) but alternative investments like gold and crypto may offset that.

you could also always take the money out before 59 1/2 and get hit with the penalty but then flee to a different country.

conceptually we're really fucked because there are no defined benefit pensions for people outside of the public sector anymore, and those public sector benefits will strangle the entire economy. you'll work til you're dead to pay for the teacher to retire after 25 years.

You are comparing apples to oranges. Stock market is investing... gold is money.

You compare gold to the dollar... which are both money. And gold destroys the dollar as far as a store of value you goes just by seeing my example.

Why should I work today and make 100 bucks and be forced to put that money into the Jew rig low interest rate scam stock market in hope that I beat inflation?

Why can't I just earn 100 bucks and have it by me the same basket of goods today as 30 years from now???

Why is the currency I earn losing value? You aren't concerenes with this at all????

Why am I forced to invest in the stock market? Why can't I just save my dollars without Jews stealing my wealth????

You're going to have a difficult life

And the sick thing is... you subconsciously understand what I just stated above... since you probably invest in cryptos right? Well why are you invested in cryptos? Because the dollar is dying.

they will hunt us down like dogs. moving to a white state that votes republican wont change what the democrats will do to the tax code via FEDERAL law. unless you're going to be part of dixie 2.0, the state you're in wont matter. they'll just freeze your accounts if it comes to that. your wealth is all just 0s and 1s on a computer somewhere.

im not even trying to fear monger. we dont get to own things anymore. we're just allowed to use things if we pay a tax.

Roth IRA doesn't protect you from a dollar implosion. You wrote such a beautiful post above... yet you still give advice for people to put their dollars into a govt sponsored scam.

You people are so throughly brainwashed you don't even recnognize you are 100% safe in the simplest thing ever that has been money since before Christ. Gold

You can't walk up to the checkout lane of a local grocery store and pay with gold. You can't buy stuff off Amazon from gold. Gold has low liquidity. It is not money. It's an investment subject to market whims just like stocks, except it performs particularly poorly.

100 years ago when Americans were educated....... "gold is money" every American understood gold was money and everyone going back thousands of years understood this.

Jew brainwashed Americans today "but I can't eat muh gold"

I'm not saying go back go transacting in gold. Gold is MONEY and can also be a currency is needed like for the past thousands of years.

You NEED money to BACK the currency otherwise Jews print fake money out of thin air and devalue our savings.

"If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered.... I believe that banking institutions are more dangerous to our liberties than standing armies.... The issuing power should be taken from the banks and restored to the people, to whom it properly belongs." -Thomas Jefferson

Gold is literally a shiny rock, a natural resource that autists consider money

Gold is not backed by anything. Anyone can mine more gold. The cost of mining new gold is lower than its current value. If newer technologies are developed that significantly lower the cost of gold, say goodbye to your "money".

nigga I said buy gold and crypto too. He's asking what he should do short of building a bunker and stockpiling 223.

We're not brainwashed, you're just a gold maximalist idiot.

Let me give a general break down for everyone young or in a position to do this.

Only put as much into your 401k as your company matches, see what options are available for index funds. Next personally invest in stocks of your choice as well as crypto as a hedge in case of stock market collapse. Have an emergency cash and gold/silver fund stuffed under your mattress at home for whatever life throws at you. As your last hedge, store long-term potable food and water, antibiotics, fuel and weapons and ammo for a real SHTF scenario. Congratulations, you're prepared for any situation; where the outcome will either make you well off, or very well prepared when everything goes sour, looking from both ends of the societal spectrum.

What do you mean? I'm trying to help. But you are clearly brainwashed and have zero rebuttal. So you go ad hominem.

Notice how you don't have a substantive rebuttal... and instead of thinking about what I'm saying which is actually free advice... you go straight to ad hominems. That means you are brainwashed.

Is it harder to mind gold? Or is it harder to print a trillion dollars at the fed?

Why doesn't the fed just print gold or mine it faster than they can print dollars.

I'm trying to help dude. But you peoplenare so brainwashed you are incapable of thinking. Jews have control of your mind while you come on this board and shitpost about Jews.

It's actually brilliant. Gotta respect the Jews for getting people to hate them yet do exactly what they want and not realize it

Basically this.

Assume the world both will and won't go to shit.

Ok I apologize. Didn't see that you said buy gold too. My bad. But buying gold doesn't mean that you have to default go bunker style too.

>"If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered.... I believe that banking institutions are more dangerous to our liberties than standing armies.... The issuing power should be taken from the banks and restored to the people, to whom it properly belongs." -Thomas Jefferson
That quote doesn't have anything to do with gold, it's about not letting global bankers loan you a debt-based cotton bill that you have to pay them back on with interest (aka assets since there isn't anymore fiat to pay them back with unless they issue more, which creates the inflationary debt spiral in the first place).

Didn't see his post. But... if the world doesn't go to shit... there is still nothing wrong with 100% gold.

Because inflation is going to ravage us...whether we go mad max or not.

There is no way in hell that the market or some Jew mutual fund is going to outperform inflation. It's impossible going forward.

Why do you keep comparing gold to fiat money? Fiat money is not an investment, it's something you use to pay for goods.

The point I think you miss is that you can recognize that we have massive inflation and are in the midst of a huge bubble, etc. AND still take advantage of it.

If you (not you you) had money on 08, you'd dump money in stocks at the near bottom if you had a modicum of intelligence and funds EVEN if you knew that QE was going to make us fall from even greater heights down the road.

And if you had a modicum of intelligence too, you would take profits during this feeding frenzy and invest in alternatives like you suggested because this shit will pop eventually.

You can take advantage of a system even if you recognize it is flawed and doomed to fail.

This guy is right.

I needed to do hardship withdrawl from my 401K.
I have to pay like 52% Tax+Penalty.
401k is a Govt. scam.
It seems that you will get free money from the employer match and tax benefits at first but you will be penalized on your own money and taxed( at the rate of the time of withdrawal).

60+ Age retirement is a meme created in 1940s
It is not applicable in this modern age.

Take responsible of your own money and create your own retirement yourself. Dont let Government dictate what your retirement age should be.

You're literally going all-in on gold as your only safety net, diversify for any situation.

401k's... Save as much money as possible so you can retire at the age of 62 and live until you hit 65-70. Make your last years be the best years of your life! Because when you're old you can do all the stuff you can now while you're young.

You are literally retarded. Stocks have outperformed gold by 30x during the past 100 years. Even during the hyperinflation of Germany stocks STILL eventually outperformed gold.

Of course it has to do with gold and silver! Congress is suppose to coin money!

Our founders put us on a gold standard. Why do you think America became so great? It wasn't because we had a Jew central bank issuing debt notes not redeemable in gold.

Coins used to be in silver. What's more valuable? A 1942 silver dime or a dime made in 2010?

in one ear out the other.

20s but it's all for waste moron

Firearms enable free nations.
Invest in cased and primed lead.

If you bought gold in 08 and I bought into an index, who would be richer now?

And conversely if I hold stock for the next 10 years and you hold gold, who will be richer?

The answers will be different.

Use the system to make money to buy things that are safe from the system. That is literally what biz is about.

Wage cuck to buy crypto so you don't have to wage cuck. Trade stocks so you can sell the stocks to buy gold, and so on.

You don't need to hoard metals. Crypto is easier to store, carry and trade and fulfills the exact same purpose. I'm not saying do not buy any, but placing all your bets on gold and silver is asinine.

Your gold no longer has value if no one gave a shit about it, remember that. Inherent value is a meme.

In his defense, those are the old rules.

Look at what happened to GM stockholders.
Look at what they did to AIG.

We're in a post-legal economy in some respects in regards to investor rights during a crisis.

This is one of the ways the government controls your financial status retard. You and the company are incentived to pursue this option. When in reality they don’t want you going off and turning that money into anything larger with riskier/smarter invests.