this post was submitted on 31 Aug 2023
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Work Reform

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[–] [email protected] 79 points 1 year ago (2 children)

What the fuck is this? "How employers might help change that" Answer: they wont, they just might be forced to let employees give themselves a fee-free loan from their own retirement account, oh and here's a slightly different new emergency savings account. It's still all just your money...What the actual fuck?

What about the half of US workers that don't have a retirement account? I guess fuck them?

Isn't the answer simple? HIGHER WAGES.

Man, this made me incredibly angry.

[–] [email protected] 3 points 1 year ago (1 children)

Higher wages or lower costs, but lower costs would kill the stock market

[–] [email protected] 1 points 1 year ago (1 children)

And if you're in a HCOL city the municipality is probably thriving off the property taxes.

[–] [email protected] 4 points 1 year ago (1 children)

Property taxes actually need to be raised in most cities, especially for single-family homes.

Everyone in the suburbs should pay a property tax premium for that benefit, for instance, to address the externalities of having suburbs.

[–] [email protected] 1 points 1 year ago (1 children)

Maybe in the US but not in Canada.

[–] [email protected] 0 points 1 year ago

Canada also has spiking housing rates and thus would also benefit

[–] [email protected] 3 points 1 year ago (1 children)

Paying higher wages doesn't get people to start bank accounts, much less retirement accounts.

Many people on the poorer end of the spectrum literally hide money in their walls/mattresses rather than get bank accounts - I know many of these people firsthand.

[–] [email protected] 3 points 1 year ago (1 children)

A bank account isn't going to magically make you richer.

[–] [email protected] 2 points 1 year ago

Not having one does make you poorer, but this is neither here nor there.

My point is, someone hiding money in their mattress isn't going to put much value in 401(k)s and likely does not have one.