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This came up in another one of the comments. Home finance/budgeting is not the same as investing for retirement. Not even close. While I do believe that our education system should be teaching personal finance principles (which is needed from almost all citizens to create an efficient capitalist economy) that is different than teaching people how to invest for decades and end up with enough to live for a similar number of decades from that investment.

Really? Because intercst summed it up in one sentence up thread:

Of course, you can solve this problem by purchasing a low fee index fund and not touching it for 30 years,


It really is THAT simple. You don't have to know jack squat about currency fluctuations or how the government regulates markets or stuff that bores people to tears. All they have to know is that compound growth works, free money is good (matching), low fees are good and leaving it alone for a LONG TIME is good. NOT HARD CONCEPTS!

"What about those who don't listen?" Hey, that's on them. Really. If you give someone all the tools they need to do something and they simply refuse to do it then you just walk away and don't waste your time on them anymore. They're not your responsibility. You are your responsibility. They are their responsibility. Tough love man. It works.
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