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Comment by lotsofpulp | Hacker News Reader

>You may not retire at 35 with some big exit or raise, but why is that the goal anyway?

Because then I can guarantee access to food/shelter/healthcare for my kids if me or their mom or one of them were to become incapacitated in some way.

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Shouldn't that be the purpose of insurances?

Also I am paying taxes for that and am glad of paying it for whoever has the need to instead of them or me having to setup a gofundme campaign.

I'd say voting for the right candidates is better than a system where a few of apparently lucky people can achieve that while in fact they are completely losing their mind in the process and leaving in constant stress (if my observation of founders and so called successful tech bros is correct)

There is zero chance the federal US government has the legislators needed to pass a sufficient safety net during the years my kids depend on me.

Eh. Human children are hardy and can figure their way out if shit really hits the fan.

You can't make it your life objective to guard against the 0.01% risk of your children becoming orphaned before 18. Just buy term insurance if anything.

My 4 year old with cancer is not figuring their “way out”, nor is my 7 year old. We are down to a 1 income household, which is fine because we earn high incomes and work from home, so we can still split up and take care of each kid while being able to pay for health insurance and out of pocket maximums.

Insuring against death and orphaned kids is cheap and easy. Insuring against long term disability is not.

If you are a high earner in the US, you can make it your objective and live a far less stressful life because saving a few million is possible.

Or we can prioritize single payer and ubi along with other social safety nets to try to ensure its there for anyone who needs it and not those lucky enough to win the capitalism lottery

I play the game with the rules that are, not how I wish them to be. I’m betting if and when the federal US legislature gets around to passing those safety nets, my kids will be grown up and independent.

Back in my day, we had enough taste not to try to turn a person’s child’s cancer diagnosis into a chance to make a political point. Be a better person - you’re talking to an actual human people; writing something this callous is totally fucked up

Have some basic human respect.

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