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Deciding When to Retire

Jaxbuck
heisman said:
$100 in 1980 purchasing power is the equivalent of about $400 today. So, a $3 hourly wage in 1980, would need to be $12 hourly today to have the same purchasing power. $17 > $12. :sneaky:
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:lol:

That might work if it wasn't for the pesky basket of goods you are trying to purchase increasing significantly faster.

$100 of medical care in 1980 = ~$800 today
$100 of tuition in 1980 = ~$1,280 today
~$64K house in 1980 = ~$400K today

Like I said in the post that started this, the math is working against people. If pay goes up 4x and the stuff you need to buy goes up 8-12x...you have a lot less room for error.

EDIT

This is just since 200 for a good quick visual. The mistake is to believe the fucking government about "core CPI" and think wages have done anything remotely close to keeping up.

So the real financial mistake people can make is not tattoos or pot. The mistake is getting sick, having kids, getting an education or trying to buy a house.

Electronics are depreciating though. So we've got that going for us. Which is nice.


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2026 scUM Shenanigans, Arguments, Arrogant Twatwaffles, Emasculated Cucks, Feckless Marmots, Dirty Cheaters "Mid"chigan

buckeyemania11
Bryce at this point seems like a classic case of a kid getting handed a bunch of money and everyone around him telling him how great he is (even when underperforming) then not actually putting any further work in because of that. scUM is the worst possible place for this kind of person considering the sunshine pumping factory up there
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2026 scUM Shenanigans, Arguments, Arrogant Twatwaffles, Emasculated Cucks, Feckless Marmots, Dirty Cheaters "Mid"chigan

buckeyemania11
pnuts34 said:
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We all saw it during the spring game. They can scream "you can't judge off a spring game" all they want but he looked like the exact same QB as last year mechanically. The foot work is still a disaster zero improvement there and he still throws every pass as hard as he can. At this point he's an over glorified temu version of Joe Milton
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2026 scUM Shenanigans, Arguments, Arrogant Twatwaffles, Emasculated Cucks, Feckless Marmots, Dirty Cheaters "Mid"chigan

Mike80
pnuts34 said:
He’s going to have figure it out fast too, because they’re trying to put talent around him, but idk if he’ll be good enough to make the right reads consistently and they will also need to lead in every game early. They won’t have the type of offense to strike fast if they get down like 2 or more tds early.

I just don’t see them losing 5Gms. This program finds the most ugly ways to win. I don’t see them winning against Oregon. But the rest of those games are toss ups to me. And I hate that they can rely on a defense to keep them in tight games.


Underwood couldn’t transfer, he makes too much and I’m sure that contract is ironclad too if Ellison has anything to do with it. Whittingham and his staff are probably the worst coaches this kid can have. they run an offense That is successful, but much more reliant on bigger, stronger as a primary runner than as a passer, but when called upon to pass will almost always move the chains.
I don’t see a snowballs chance he benches Underwood. He would have to be the worse QB in all P4, like multiple turnover games and double digit passing in multiple games type bad! His salary dictates that he starts and Whittingham is coming in knowing that. But he has a built in scapegoat if it doesn’t go well, “he wasn’t my guy, if I had my guy I would’ve been successful “. If they don’t make the CFP, or B1G championship he has that line locked and loaded. And even still, he’ll be stuck with Underwood for another season
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They got lucky to not lose 5 last year (including the bowl game) with a far easier schedule.

I think even the Pedsters have a shot at them this year.
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2026 scUM Shenanigans, Arguments, Arrogant Twatwaffles, Emasculated Cucks, Feckless Marmots, Dirty Cheaters "Mid"chigan

pnuts34
buckeyemania11 said:
The only system Underwood is really currently fit for is handing it off more often than not. You aren't gonna be successful airing it out with him either with his accuracy issues.

WRs are gonna be pissed anyway. Last year 3 of Utahs top 5 pass catchers were TEs or RBs and the #2. WR only had 15 catches. After the #1 WR the ball pretty much goes to TEs and RBs
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He’s going to have figure it out fast too, because they’re trying to put talent around him, but idk if he’ll be good enough to make the right reads consistently and they will also need to lead in every game early. They won’t have the type of offense to strike fast if they get down like 2 or more tds early.
Mike80 said:
Which is exactly why you'll see Patricia employ the 3rd "safety" more like a fast outside linebacker when they play in November...unless something significantly changes between now and then.

They aren't beating Oklahoma without being able to pass the ball either....or Oregon. Or Iowa. Or likely Indiana.

I think they are more likely to go 7-5 than 9-3...and the chances of them getting into the playoffs are around the same as me banging Sydney Sweeney....
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I just don’t see them losing 5Gms. This program finds the most ugly ways to win. I don’t see them winning against Oregon. But the rest of those games are toss ups to me. And I hate that they can rely on a defense to keep them in tight games.
buckeyemania11 said:
I don't see much changing. Whittingham and staff aren't exactly gurus when it comes to developing passers. If Underwood were serious about improving himself he woulda transfered but instead he's holding the bag at scUM to play in a offense that's probably less friendly in terms of getting a QB to the pros than the Sherrona Harbaugh offense.
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Mike80 said:
And the new staff isn't as beholden to his aura (if that's the right word)....it will be far easier for them to say "well, we tried, he sucks" and go to that other kid that seems to fit their scheme better.
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Underwood couldn’t transfer, he makes too much and I’m sure that contract is ironclad too if Ellison has anything to do with it. Whittingham and his staff are probably the worst coaches this kid can have. they run an offense That is successful, but much more reliant on bigger, stronger as a primary runner than as a passer, but when called upon to pass will almost always move the chains.
I don’t see a snowballs chance he benches Underwood. He would have to be the worse QB in all P4, like multiple turnover games and double digit passing in multiple games type bad! His salary dictates that he starts and Whittingham is coming in knowing that. But he has a built in scapegoat if it doesn’t go well, “he wasn’t my guy, if I had my guy I would’ve been successful “. If they don’t make the CFP, or B1G championship he has that line locked and loaded. And even still, he’ll be stuck with Underwood for another season
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Deciding When to Retire

shetuck
DubCoffman62 said:
It's funny, at work all of the old timers pack their lunch. All of the snot nose entry level kids order Ubereats for lunch. The get their nails did and their eyebrows plucked at the Vietnamese salon next door for a cool 80 bucks. Kids today have no chance because they can't manage their money. The thing is they're all living with their parents and aren't taking advantage of the opportunity to save. When I graduated high school I had nothing. I joined the service, lived in the barracks, ate at the mess hall and when I got out I worked remote Alaska for four years, free room and board. My only expense was my calling card. To be honest all though I've never been a super earner or a savvy investor as an adult I've never had money problems.
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Not upgrading your dinnerware for 50 years also helps... :wink2:
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Deciding When to Retire

DubCoffman62
heisman said:
100%. Values surrounding consumerism and debt have gone completely in the toilet.
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It's funny, at work all of the old timers pack their lunch. All of the snot nose entry level kids order Ubereats for lunch. The get their nails did and their eyebrows plucked at the Vietnamese salon next door for a cool 80 bucks. Kids today have no chance because they can't manage their money. The thing is they're all living with their parents and aren't taking advantage of the opportunity to save. When I graduated high school I had nothing. I joined the service, lived in the barracks, ate at the mess hall and when I got out I worked remote Alaska for four years, free room and board. My only expense was my calling card. To be honest all though I've never been a super earner or a savvy investor as an adult I've never had money problems.
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