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"Necessary"
(lemmy.ml)
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this post was submitted on 30 Oct 2024
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Before Nixon, you could just save money for retirement.
You still can.
That said, before the 1920s or so, a lot of people just lived with family when they got old. That changed after WW2 when people started depending more on the company than their families for retirement expenses (partially due to Social Security being enacted, and partially due to wage controls forcing companies to provide benefits to attract talent).