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Also, payroll taxes aren't exactly optional.
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True. I was thinking doing the equivalent match of post tax earnings. I wonder what the payroll tax was back in her prime years (70s to the 90s)
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your mom could have purchased gold or gold miners etf
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How? ETFs are relatively new. They came out in like the late 90s 2000s right?
Mutual funds were all the rage in the 80s and 90s
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she could have purchased these etf in her non prime years
p.s. most of warren buffett's net worth accrued after he turned 65
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Yeah true but she would really need to be in the know. I am willing to bet 70% of American women have no idea what an ETF is
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I tell my mom if she would have bought gold and not paid into social security she would be living it up in retirement hahah. But back then how would a working class American know to buy gold.