279
Is there any way the average American can insulate themselves from the AI bubble bursting?
(piefed.blahaj.zone)
this post was submitted on 21 Oct 2025
279 points (98.6% liked)
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What did you do in 2020, when everything shut for COVID?
What did you do in 2008, when the arse fell out of the housing market?
What did you do in 2000, when the dotcom bubble popped?
Chances are the answer was "just shuffle on as normal, carry on living paycheck to paycheck, possibly get a new job if you work for somebody badly affected". Odds are your pension pot will recover by the time you need it.
What do rich people do? They gamble. Watch The Big Short. You could try that, but chances are you'll lose money. "The markets can remain irrational longer than you can remain solvent", as the old saying goes.
I haven't seen a job with a pension in the last 18 years being in the workforce.
Gov jobs still have them
Sort of. I'm a gov worker (non fed) and mine is a joke. 1% of salary per year of service. Not very significant. The old scheme was 2.5, I think, and before that it was 30 years to full salary. I still work with people on that old one, and they're about at the full 30. In a generation it's gone from a nice retirement to being more like a supplement. We do pay into SS now though so I guess that's meant to replace it.
Been to 3 jobs that offer pensions and they all tell the same story you're giving.
It's right in the handbook. Hired before X date and you get 25 years to full salary retirement. Before Y date and 30. Hired after 2008 and it's all the same. 33 Years gets you 33% of your salary. Which ain't gonna be worth much thanks to inflation.
I worked next to people who at 60 had a full pension coming in, and then collected a full second salary because they're allowed to DROP - which means work and collect the pension. One mfer was working on retiring twice to collect 3 paychecks. That is no longer an option for my generation either.
alot of people are also working after retiring otherwise. pension aint enough anyways,.