[xp84]

Okay, but we are reading this on HN. Anyone working for the past 10 years in tech should have that much saved up easily. If for the past 10 years you put just $400 a month into SPY and did nothing else, you'd have about $95,000. About 126k for QQQ. [0]

And I don't think most people can't afford to save $400 a month. Lots of people save that much.

[0]: https://dqydj.com/etf-return-calculator/

[johnny22]

Why would you assume people are talking about themselves just because it's on HN? I'm reading these comments much more broadly.

[xp84]

I didn't mean to assume anything about the whole world, but we are talking about ourselves here, so our situations matter to us. I read the article as a thought experiment that is available to me personally and many others, even if it isn't practical for literally every human being.