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the thing about "it's just 1% of your lifetime income" is that the math isn't even right. 30 grand as a lump sum today is not comparable to 30 grand as a share of lifetime earnings when you retire in 20 years, because of the little-known economic concept of "interest"

it is, entirely and completely, just an attempt at riling people up. matt darling is just a troll who gets off on being pointlessly annoying and insensitive. there's no factual or rational basis to the things he says.

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