I will tell you one thing....if I ever have to temporarily recieve money from the government because my husband and I find ourselves in need....I will not feel guilty for one nano second.
Our GROSS income now, is less than what we paid in taxes each year when we both were working....the government has gotten more in taxes from us than we have in total savings/retirement now....that's pretty frightening... I didn't give two hoots about paying high taxes when we were "in the money", not one iota, because I felt that I was blessed making the dough we did and thought others might need help and I thought my country, who had allowed my opportunities to get me to where we were, needed the money for our infrastructure to keep it going....more than we did....
(now granted, i was in my late twenties and 30's, didnt think about ever dying or even ever not working or retirement, because I loved my career from head to toe.....
and was pretty dumb about my own finances...
but if you were in the Retail business and wanted someone to make you a few million in extra/additional profit.. in a year or two. I could do it in a heartbeat...
seriously, this was the case...i didn't care about our money, or even know enough to invest in the stock market with any confidence...just didn't have the time for ME, it was too much fun making others, my employers the dough....and getting my pat on the backs and promotions and raises and measly bonus checks compared to what i made them, but all GOOD ENOUGH for me and matt...
Talk about immaturity on my and matt's part!.... sheeeesh!!!)
Anyway, times change, circumstances changed and here we are, just making it...yet make too much to qualify for any gvt help....with 401k's that lost 40-50%, and our one prize possession in which we paid cash for, our home, dropping in value every minute that ticks on the clock...
primarily because of the lack of prudent, government oversite...
sure the civilians were the greedy ones, from people buying homes that were way over their head, and from the stupid, stupid, stupid new, unfettered, poor business practices, of Wall Street.
Anyway, i primarily am telling this story for those of you that are young and climbing the ladder of their own careers or even in a career for the sake of putting food in your mouth...
ALWAYS PREPARE for the future, as though the future will change on you....prepare for the worst, be happy with the best.
START SAVING YOUR MONEY, when you are young... live on a one person salary, even if the other spouce is working and do NOT believe that things will always be good for you...or that you will live, healthy, forever.
So, if matt and I ever get to the stage that we needed gvt help for something, there would be no guilt there, what so ever....they have had several hundred thousand dollars of our money for decades, in all the different taxes we have paid.
care