this post was submitted on 26 Jun 2025
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We deserve pensions and have really fucked up letting corporations rob us of them, along with all the other things they've slowly stolen from the working class.
That being said, a 401k absolutely can be more than enough to retire on, as long as you start investing young
How are you Americans defining a pension? As I read it, a 401k is a Defined Contribution plan invested in stocks/shares, with contributions from the employee and employer.
Which matches a normal UK definition of a DC pension plan, do you only class Defined Benefit schemes as a "pension"?
It's not guaranteed the employer will contribute. Half of them (including mine) do not. It's simply a tax deferred portfolio in that case.
Thanks for the insightful replies, I'm really sorry for you guys living in the "land of the free", at-will employment, union busting, shitty retirement options etc etc.
I hope either things improve (doubt) or you can leave. ❤️
Would that I could. If it were me alone I probably would have left the country years ago. But I have my husband and he is close to his family. They are already unhappy that we don't live in the same state as them. (My own family are pieces of Trumper Evangelical shit and I don't speak to them anyway)