comment: >
  
  You're also really limited in how much you can contribute to a Roth per year.
context: This is a friendly reminder to read our rules.
  Remember, /r/Showerthoughts is for showerthoughts, not "thoughts had in the shower!"
  (For an explanation of what a "showerthought" is, please read this page.)
  Rule-breaking posts may result in bans. >
  
  Going to work is low key gambling youll still be alive when they pay you! >
  
  Ok but I get my paycheck every 2 weeks. You can't withdraw funds from a retirement account until you're 65 (in the USA). Come on now, it's not the same level of risk at all.
  Edit: You can withdraw before 65 but there is a penalty, so I consider that the price of the gamble. >
  
  Isn’t that the point of your post that some things are really low risk gambling and i found something even lower risk than yours but in the same vein? >
  
  Sure, but my point seems more practical than yours. By your logic, walking out the front door everyday is a gamble. That's technically true, but you'd literally not be able to go about life if you thought that way. Same with your counterpoint: work for income is practically necessary. Putting money into a retirement account technically isn't. >
  
  Yeah, technically everything you do is some micro level of a gamble with an expected outcome that may or may not come true.
  Sounds like you agree but for whatever reason you’re saying one example is more valid than another but i don’t think thats the case. >
  
  Yea my feelings are more in line with yours on this matter. >
  
  This is now the second time in my life when the gamble is not "will I be around" but rather "will there be an economy left to back the gamble" >
  
  The outcome is worse if you bet on dying before retirement and then you live on >
  
  Sounds like a lose/lose.... Can't spend money while your alive, but if you do spend the money your fucked later... Don't worry, corporations will make record profits whatever you do though. Long live the corporations! >
  
  My family tends to live long lives so it’s really a question of whether I can win enough to not die homeless. >
  
  How about life insurance?
  If you don't die within the term you lose everything! >
  
  That’s why anything but term life is a sucker’s bet. It’s insurance, not an investment. >
  
  (Not sure how it works) If it goes to next of kin if you die early, maybe you can just have a really lit funeral. >
  
  I consider that my accounts will transfer to my wife and kids to offset my lost income in the event of my passing before retirement which helps me with this fact. >
  
  You can withdraw it at any time before retirement, even though there is usually a penalty. >
  
  In a Roth, you can withdraw your contributions at any time* with no penalty for any reason even before retirement age. The only real "risk" is that your investments go down, then you have less you can withdraw
  *any time after 5 years