Comments by "Colorme Dubious" (@colormedubious4747) on "How DOGE Will Save America" video.

  1. Yes, people "should" invest in their own retirement. The problem is that they WON'T. I've been telling the same clients EVERY year for decades to sign up for their employers' 401(k) plans and get that sweet, sweet employer match loot. Inexplicably, they DON'T. Waiting until you have to choose between the canned dog food and the dry dog food for dinner is piss-poor planning. Let me know if Alpo tastes better than Kibbles & Bits.
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  2.  @pastorjerrykliner3162  Maybe you shouldn't use your lawn care guy as a financial advisor.
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  3.  @pastorjerrykliner3162  Okay, then, let's dissect your claims. 1) If you're a real pastor, there's a better than even chance that you elected to OPT OUT of Social Security using Form 4361 to claim the so-called "ministry services exemption." If so, you'd have NEVER PAID IN A CENT on your ministry earnings and, therefore, are not even entitled to Social Security benefits based on those earnings. You can't "lose" what you never earned in the first place! 2) Retirement planners, CFPs, and Ch. FPs ALWAYS consider Social Security benefits in their retirement planning strategies. Most will correctly advise you to not rely SOLELY on Social Security, but to invest in other retirement vehicles and view Social Security benefits as "bonus money" or a "fun fund" or whatever floats your boat, flies your plane, or wrecks your age-inappropriate sports car. 3) No LEGITIMATE financial planner would EVER say what you claimed yours said unless, most likely, they were trying to scare you into investing in a product that grants them a commission. That would border on an ethical violation that might cost them their certification. Ergo, you are not quoting a properly certified specialist. 4) You called me a "lib" as an insult and then accused me of "resorting to an ad hominem." Not only are you irony-impaired, but you're a hypocrite and your name should be Ron, because you're definitely "more Ron" than most. Was that better? You're welcome.
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  4.  @pastorjerrykliner3162  You call me a "lib" as an insult in the same sentence that you accuse me of employing an ad hominem argument. You are critically irony-impaired. Okay, then. Here's my argument: 1) If you're actually a pastor, then there's a better than even chance that you've opted OUT of Social Security using the so-called "ministry exemption." Therefore, you've NEVER PAID any Social Security tax on your ministry earnings, which means you CAN'T receive any benefits based on those earnings anyway, so your story is BUNK. 2) CFPs, Ch. FPs, retirement advisors, and registered representatives ALWAYS account for Social Security benefits in their planning. REAL experts would NEVER say what you claimed, so your story is BUNK. 3) However, a sketchy faker certainly would in order to scare you into buying some lame financial product on which they'd receive a commission. A legitimate planner would never risk their professional certification by saying and doing such a thing, so your story is BUNK.
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