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A comment on America vs. Singapore: You Can't Save Your Way Out of Economic Shocks. Parent comment

Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by raw_anon_1111 on Thursday February 19, 2026 @12:56PM (#47076772)
https://dqydj.com/household-income-percentile-calculator/

So the top 10% is a household income of $250K and most of those couples didn’t reach that until their 40s. They aren’t making $225K as an L5 at 25 years old like a former intern/new grad I mentored when I was at BigTech

Most software developers won’t even see above $160K inflation adjusted during their career. Most work in second tier cities in the “enterprise”z.

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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by mathgladiator on Thursday February 19, 2026 @08:28PM (#47082500)
This guy did it: https://www.mrmoneymustache.com/ on like $65K IIRC

The problem is, at core, fear. Fear of taking responsibility for your life.

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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by raw_anon_1111 on Thursday February 19, 2026 @08:35PM (#47082563)
So exactly how do you “take care” of your insurance if the ACA goes kaput? “Thoughts and Prayers” until you are 65?
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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by mathgladiator on Thursday February 19, 2026 @08:47PM (#47082645)
I pay cash for everything right now since ACA plans are terrible... BUT, I am also one of those nut jobs that only eats meat and it is amazing. But, most people can't even begin to imagine giving up carbs as they are junkies.
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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by raw_anon_1111 on Thursday February 19, 2026 @10:06PM (#47083158)
Are you willing to bet that nothing catastrophic will happen to your health before you are 65?
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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by mathgladiator on Thursday February 19, 2026 @10:13PM (#47083206)
Yes. I will not let fear rule my life.
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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by raw_anon_1111 on Thursday February 19, 2026 @10:29PM (#47083307)
That’s monumentally not a good idea

https://www.cdc.gov/chronic-disease/about/index.html

90% of adults will have a chronic condition by the time they are 65.

https://www.aarp.org/health/conditions-treatments/most-commo...

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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by mathgladiator on Friday February 20, 2026 @08:40AM (#47087910)
That data alone invalidates any idea of insurance being sustainable, it's a sinking ship.

I, on the other hand, only eat beef, butter, bacon, and eggs and everything is getting better. BUT, I may be in a cult, but this cult has benefits.

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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by raw_anon_1111 on Friday February 20, 2026 @11:53AM (#47090481)
No insurance is viable because the risk pool includes people of all ages.
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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by mathgladiator on Friday February 20, 2026 @04:16PM (#47094084)
No, insurance is not viable until we fix metabolic health in the masses.

Again, I'm a nut job that has a HbA1C of 4.7 because I only eat beef, butter, bacon, and eggs.

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Re:America vs. Singapore: You Can't Save Your Way Out of Eco... by eru on Tuesday February 24, 2026 @05:36AM (#47135387)
Why even use pools? Ask your actuary about risks.
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