Latest / Doom Daily / THE DOOM DAILY SHOW WITH JESTER DOOMS S3-E7
Transcript
- Apocalypse Ventures: Morning, the following audio transmission will forever change your album society. You will no longer believe the narrative. You are about to wake up and see things for what they really are. News, facts, and opinions. This is the Doom Daily Show. Ladies and gentlemen, welcome to the Doom Daily Show. I am your host, Jester Dooms, the email Doom Daily Show at gmail dot com. Everywhere on social media at Jester Dooms, the website www dot gesturesvoice dot com. Make sure to like, share, and subscribe to the show. Good morning, everybody. On this ⁓ lovely Monday, September 14th, 2026. I hope everybody had a fantastic weekend, and I hope that you're having a lovely Monday morning. And it's hard to put those two words together in the same sentence. Lovely and Monday. Yes, very, very much so difficult. Anyway, moving on. Hope your weekend was good. I hope you got to do all the things. with your time off that you so wanted to do. I did not get to get much done over the weekend as I worked, you know. But what are you gonna do? You know, what are you gonna do? So we find ourselves kind of at a a crossroads, I think, in life with, you know, once you reach a certain age, you know, being stuck in your career, being stuck in the grind, no progression moving forward and only looking forward to retirement. Right. And I think retirement, the ⁓ just the essence of that word is both relieving and terrifying at the same time. Here's this great expectation to where you don't have to go to work anymore and you've earned your keep and you have an income coming in that you don't have to do anything more for anymore. And you get to live your life on your own terms and your own rules. And all that sounds fantastic. But hindsight. is twenty twenty and we don't know till we get there because we could be decrepit and not able to enjoy our time. We could be shit out of luck as far as the retirement income goes, keeping up with the cost of living, things like that. And maybe screwed. So I've you know, I've as growing up, I've listened to the old timers talk to me and, you know, listen to my parents say different things. And I've heard people say ⁓ that guy over there, he he can't go on this trip or he can't do this or he's limited because he's retired and he doesn't get the income he once did. You know, he's on a he's retired, he's on a fixed income, so he can't buy a new car this year, whatever the case may have been. But then I've also heard people flip the script. ⁓ yeah, they could do that. They could travel, they can go here, they could spend money however they want because they're retired. And these two things never jived with me growing up. It's like, okay, how are you telling me this dude can travel and do whatever he wants being retired? But this guy over here can't do anything because he's retired. Like that, that, those two things don't make sense. But as we get older, we start to learn about things like building 401ks and pension plans and social security retirement. Like we start learning what these different things are. And these things aren't really taught it in school growing up. Right. Like it's not a public school thing. Like when I was in high school, we didn't have a retirement class. We weren't taught the difference between a four ⁓ one K and a pension. We weren't taught these basic life basic things you need to know for like your end of days and retirement stuff like that. Right. You'd hear people say certain things. Well, if you go, if you do really good in school and you know, you you do good and you get into a good college, you know, you could retire early. Okay. What does that mean? When you're telling these things to a child, what does that mean? You know. Anyway, I know I went off on a tangent there and that's not what we usually do in the beginning of the show here, but you know, there there are things I want to talk about that are like burning. So anyway, ⁓ as far as today goes, my my epic plan of the day is to go get my buddy from the airport that's flying up to help me with some some homesteading projects. And you know, I know I've been coming up with a lot of excuses over the last few months of like why I can't do the show, why I can't record. Well, these things just keep on a coming. It's I live a very busy life. There's not there's not a lot of downtime for me. And I'll tell you, like I I, you know, I took a months long vacation that ended up not being very refreshing and had a great time, but not too refreshing and and came back to a new set of stress and worry and hell and headache. And, you know, now I'm just trying to get back in the daily swing of life. But the problem is. When you go from running around with a chicken with your head cut off to doing things back how they were, you know, years ago when you had calm and peace and focus and quiet, it it really it's it's hard to turn all the chaos off and get back to that normal playing field. It's it's really difficult to do that. All right. Now, the reality is is that I'm slowly trying to slip back into a rhythm. Like I'm trying to find a rhythm. I'm trying to give myself a regimented schedule here. So I guess what I'm working on is when my when my buddy comes in town and he's getting here tonight, ⁓ you know, how I'm going to do the show moving forward. Because it's not it's not that much to devote that, you know, hour a day to, you know, recording and looking up topics and, you know, reading things and And getting the show out there, it doesn't take that much. It's literally the mental capacity, it and the mental draining is what really slows this down of being able to get these shows out. When you're mentally exhausted, you cannot do this show. And I've listened to other people's podcasts where you could tell they're mentally exhausted. And it becomes a very common thing. They trip over words, things they say don't make sense, or they're like, you know, using buzzwords and pause words. continuously because their brains are just fried. And typically when my friend's in town, my brain is fried. We run around going nonstop, like the mental process of things is just absolutely off the charts. It's ridiculous. And this just kind of keeps continuing. ⁓ and I don't get a break from that till he leaves, which is why I you know I still try to get out an episode like once or twice a week, but I think that I'm going to figure out a way to devote time in order to getting more done. in the realm of the show, along with getting stuff done in real life. Anyway, we'll be right back after these messages. Can't get enough of Jester Dooms? Check out his other show, It's Doomsday Podcast, available on all podcast platforms. That's It's Doomsday Podcast. Back to the show. Ladies and gentlemen, welcome back to the Doom Daily Show. I am your host, Jester Dooms. Like, share, and subscribe to the show. Also, ⁓ a new It's Doomsday podcast came out today. So go check out my other show, It's Doomsday Podcast, available on all podcast platforms. IT S D-O-O-M-S D-A-Y podcast. It's Doomsday Podcast. Available pretty much everywhere. All right. Now, I jumped the gun a little bit on today's show as far as This retirement mechanism, this revolving machine, if you will. I want to talk to you all today about the uncertainties of retirement. And by no means am I a financial expert, but again, everything through kid glasses on this show. Okay. One of the absolute best things you could have for retirement is a pension, but we're watching pensions slowly fall to the wayside. Jobs that used to come with pensions now no longer do. And retirement plans are not what they once were for your average income and your average job. And with the cost of living increasing, I think it has everybody on edge. If I were to retire today and say I'm never going back to work again, I'd be pretty fucking screwed. Okay. I would be I would be in a really bad way financially. So I'm sitting here thinking to myself, retirement is not all that far down the road in the grand scheme of things. Basically, the amount of time I guess that I have left, I mean, it's kind of like I I look at it like this. I gotta start putting away now. I have to start building an IRA now, which I I I have already started. But in the grand scheme of things, it's like I wish I would have started my IRA a few years back and let it just do its do its thing kind of. But now I find myself like tr playing catch up, trying to contribute the maximum yearly ⁓ allowance that I can. to try to get ahead of the game. ⁓ and it's not really working out too well in my favor. ⁓ so we might have to do like two IRAs, you know, something to that effect or a high yield savings, something to get ahead of the game here, to have something in the bank. Now the idea of counting on SSI retirement, you know, it's I don't know. I don't know what that's going to look like when I retire. I know my father gets it now and it's not a lot of money, even by today's standards. So what's it gonna be like when I'm retired? Could you live off it right now in today's society? Yeah, but you're going to fucking struggle. You're gonna be on the damn struggle bus. Like you're not paying rent on an apartment, all your bills, plus eat and maintain a vehicle like you're not. It's not fucking happening. And then I look to the idea of, you know, these these different financial groups you can get with and stuff like that. And I'm I'm just like, you know, a lot of these things very s ha seem very scamish, like you need to have so much money before you get into this. So I guess the conclusion I came to, all right, is there comes an age where, you know, a financial institution will look at you and say, You're we're not giving you a loan. It's too risky, right? Because, you know, they're they're not gonna give a seventy-five year old man a 30 year loan. You know, it's not it's not happening. Okay. But what I have noticed is there's a lot that could be said with actual tangible brick and mortar structure, actual tangible equity that you have that you can continuously borrow against and nobody gives a shit because the banks have collateral, right? And my wife and I, we've we've went back and forth over, you know, the years about as far as retirement goes and things like that. And I've I've been on this kick that I'm still on. Like I say we build these IRAs, you know, like let's build the IRAs, let's absorb social security retirement. ⁓ whenever we can file for that, let's file for that. And then at the same time, while we're building these four ⁓ one Ks and stuff, I think we need to grab up some properties and have some rental income. And then worst case scenario. If the kids don't want anything to do with anything one day, we could do reverse mortgages on this stuff. So between our IRAs, reverse mortgages and SSI retirement, we should be relatively okay financially. We shouldn't have to worry. If the car's falling apart, we should be able to go buy a new one. If the house needs a new roof, we should be able to have that and it be good, right? You know. Obviously, we're not going to go out and blow money like crazy people taking cruises all the time or doing this, that, or the other, but we should have enough to be comfortable in retirement and maybe help out the kids occasionally when they need it. And that to me is the goal. I don't want to be some rich retired prick that is going out for, you know, $300 dinners every night and traveling 24-7. I don't want to be that guy. I want to be the old man, you know, that's in the RV loss driving down the fucking road trying to find out where the next RV park is so I could finally see the Grand Canyon when I'm 80. Like that's the that's the retirement I want to have. I want I want cheap travel retirement lifestyle, like occasional cruise, occasional trip overseas to go visit family, ⁓ you know, holidays with the kids. And then have my own little nice little cabin tucked away in the woods somewhere where nobody's coming back to bother my old ass. That's what I want. A little garden out front for when I get bored, a 22 that I could shoot some squirrels with when I got nothing to do, and a rocking chair and a fucking water bong. That sounds fantastic. I don't need much more, I don't need much less. That would be my happy point of retirement. Okay? Now To some people, they might be like, that's a little outlandish, dude. Like, that's a lot of traveling. It's really not. Think about how much you drive for work every week, every month, all year long. And then tell me that, you know, one trip every six months that's 2,000 miles is a lot of traveling, because it's not. It's really not. Think about what you spend in gas every month to go back and forth to work and tell me a a five hundred dollar plane ticket to go see something's that bad. It's really not. People that like I I hear a lot of people tell me, you know, ⁓ man, I wish we could travel like you do. And it's like, well, you can, but you know, you have to know how to do it. You know, don't go buy that five dollar coffee every day. It's twenty-five bucks a week, man. It's a hundred bucks a month. That's you know, it's over twelve hundred dollars a year. Just that coffee you're buying every day is your fucking plane ticket overseas. And then think about like, I don't need the new iPhone. I don't need to do this. I don't need to do that. I don't need a movie ticket to go out this weekend. ⁓ look. Just those things right there, you've saved another thousand dollars this year. That's your food budget when you're on vacation. ⁓ what about lodging, Dooms? What about this? What about that? Do you really need the Netflix account when you have free things out there? Do you really need to pay for all the subscriptions? Do you need to pay for the online gaming? Do you need to have a car with a payment or can you go with having a paid off car? Because that's the rest of that shit right there. And you're good. You're good. Anyway, we'll be right back after these messages. Jester wants to thank you for listening to the Doom Daily Show. Don't forget to like, share, and subscribe. Hey Producer Scooter here. First off, thank you for downloading and participating in the wide world of Jester Doo. Please be sure to check out Justursvoice.com website. Everything you want to know is located on Jester'svoice.com. If you're looking for salacious details, it's on jestersvoice.com. Don't forget to share the show with your friends and even with all your enemies. And now, back to the musings of Jesterdo. Ladies and gentlemen, welcome back to the Doom Daily Show. I'm still your host. I'm still Jester Dooms. The email, doomdaily show at gmail.com, the website www.jestersvoice.com, everywhere on social media at Jester Dooms. Give me a follow. Come check me out on social media. All right. So to continue with this theme of retirement, I'm gonna talk about the unforeseen things in retirement. Okay, because these are the ones that you could plan for the best financial existence, and then these things will still get you. Okay. And the big most blatantly obvious thing is your health and the condition of your health, right? Some people retire and they're in great health for years and they never have a problem. Some people retire and they start going downhill immediately. Some of us are going downhill before we retire, and that's why we retire. My uncle ended up getting his pension early because he had heart problems and they let him take his pension a few years early. I mean only a few years. You're not talking ten years early, but he was like I think he had like two and a half years left till retirement. He had to get triple bypass and then they were like, dude, just take your pension now. Like it's it's risky you coming back to work with any sort of heart conditions, so we'll just let you take your pension early. Now he's retired. Says he's busier now than he ever has been. And you know, with with what I do For work, I see a lot of I see a lot of elderly people. I see a lot of you know retired individuals. I see some that are living really good, and I see others that are living in squalor. Okay. And I'll and I'll tell you what, like money is not the answer at the end of the day here. I see, you know, wealthy old retired people in just as bad as health as, you know, all old poor retired people. Okay. So the pendulum swings both ways. Your health isn't is I mean, don't get me wrong, if you could afford better health care, you might have a better shot when it comes to getting ailments cured or getting surgeries you need or medications you need, things like that. And you might feel better, but the Grim Reaper doesn't care about what's in your bank account. Okay. Cancer doesn't care about what's in your bank account. Like they these things don't fucking matter. Your health is not based on the balance of your bank account. So with that said, as we retire and get older, you could be totally financially stable. And totally good and ready to rock on the next like twenty years after retirement and might only make it ten or might only make it five. And that's it. It's over. You know, you're done. So everything you've worked for, all this ass busting time that you put in, you got five, ten good years, then it's over. Five, ten years, man, fuck you blinking, that's gone now. And it and it really has you it really makes you think when you start putting things in the perspective like, you know, what do I want my retirement to be? How do I want that to look? Do I want, you know, the travel? Do I want the stationary life with the grandkids? Do I want to be left alone? Do I want to go into a nursing home? You know, that these are all things that I think we fear when it comes to growing older and retiring and not working anymore. It's what what is that life going to look like? Is it going to be good? Is it going to be bad? Am I going to have achieved the things I wanted to achieve in life? I mean, What does that look like? And then, you know, there's the idea, and I think this is the scariest thing, you know, what happens if you lose your spouse? You know, then what? And I I have this I have this thought all the time, you know, like who who should pass away first, myself or my wife? Like in the realm of being elderly and retired? Like, what's that look like? Am I gonna be You know, am I gonna be old and decrepit and a burden on my wife that's like still moving and going good and I'm holding her back? Is it better for me to go first? Or is the shoe gonna be on the other foot and it's better for her to pass away? Like, I don't wanna mourn her and I don't want her to mourn me. So you're really at this catch twenty two. And that's why people just don't really talk about, you know, the morbid side of retirement. That's that's why we don't bring it up. That's why we don't talk about it. It's a hard subject. You know, like it it pains me to think me passing away first and leaving my life my wife to mourn on her own and, you know, have to go through life by herself. And, you know, maybe the kids come to see her every once in a while, maybe they put her in a home. Like, you know, I don't even want to think about that. But then I go, you know, and I flip the script on the other way and I'm like, Well, I don't wanna lose my wife and mourn her. And I don't want to go through my old ass existence shitting my pants without her being there. You know, I don't want those things either. So one thing that I don't think we factor into the retirement plan, and this is by design by our government, by the powers to be. And I knew you knew if you listen to the show, if you've been listening to the show long enough, you knew this was coming. It's by design to take us out in retirement. That is the point. They don't want you to absorb that pension for 30 fucking years. They want you to retire and then die so that money could stay in the pension. They don't want you to be retired and have a paid-off house and sit on it forever. The bank wants that house back in the system so they could make interest off of it again. The only reason houses cost so fucking much and all this shit is through the goddamn roof it is, is so you have to take out a loan, so you have to pay the powers that be interest. That's why. Go back and look at what a house cost a hundred years ago versus the salary. What a car cost 50 years ago versus the salary. And look at how it has drastically changed. Back in the day, you could put away income for a couple years and buy a new car. Back in the day, you could put away your income for five years to 10 years and maybe get help from, you know, family and friends and put away extra, maybe make some smart investments and buy a house outright and never need a loan. There's been a drastic financial shift. And it's the powers that be. And they work directly with the healthcare system. So, you know, you have a doctor, your doctor tells you, ⁓ you got to do this, you got to work on the A1C, you got to work on your BP, you know, how's this level? How's that level? How's this vital? How's that vital? And ⁓ you should do this or you should do that, or blah, blah, blah. But did you ever stop to think to yourself why there are not. Customized health plans that lead you into a longer existence for the sake of retirement. ⁓ you've got this wrong. We have to fix this, fix this, slap a band-aid on it, take this med. You'll be on it forever. Now your doctor could tell you all day long, eat right and exercise and come in for your yearly checkups, get your yearly blood work done, you know, do these things. You need to lose some weight, you're at risk of a heart attack. But a personalized plan that says dooms, you've got X amount of years left just for an even number to work with, like X amount of years, you got 10 years till retirement, right? How long are you trying to live after you retire? 20 years? Trying to get 20? All right. Well, this is what we need to do for you if you want this 20 years. I'm seeing this level is here. You weigh this much. I want you with this weight by December 31st. You're going into the new year with this weight. I need you to incorporate this food, this food, this food. I want you to go here to this gym. I want you to sign up for a membership. And I'm ordering your ass to get in there, you know, five days a week and get on that treadmill X amount of hours per week and lift this amount of weight. And I want you to do this, this, and this, because we are going to ensure that you live 20 years past retirement. We're going to work on this so you can have that side of your life enriched, right? ⁓ you've got some arthritis going on. You've got this going on. Well, yeah, yeah, there ain't much we could do for that. unless you want this artificial this or this that or keep taking these meds. You know, they're not doing the things like how much gelatin are you incorporating in your daily diet? Okay, none? All right. Well I want you to start doing that as a preventative measure to help your joints. Or have you had bone marrow lately? Have some of this. What's your sodium intake like? Your BP looks good, but how much sodium are you actually intaking? ⁓ you eat two pounds of deli lunch meat a week. Okay, no, no, no, no. We gotta get rid of that. I want you to have this instead of that. We got to swap this out. There's no integrated diet. The food pyramid was fucked. We're not working with people's blood types anymore. They want you to work your ass off, spend all your money, keep the economy going, take out every loan, be in debt. It's the American way. The people at the top want to make all the interest, they want to do all the things. You're retired, you're older. let's hope this dude has a heart attack soon so we can get his house back in the system for the interest. Let's get those cars of his back on the market so we can get loans out on those. Let's get, you know, that property up for sale ASAP. Make sure a family member doesn't get it. He had what in his pension? Okay, let's roll that back into the pension fund so nobody could take that. And ⁓ by the way, we don't have to give him Social Security anymore. And what did he have over here in his IRA? Is there family member taking it? Okay, let it be reabsorbed by the bank. Okay, cool. He worked his whole life for us. We won. He did not. He did not. But we did in every facet. Now, how I've talked to you guys on the show about this nine to five grind and all the shit being a big ass scam. Don't you really think you should be enjoying your life now before that time comes, before you have that limited income? Before all these things start to happen, your health declines, et cetera. Then ask yourself, why does this five-day work week make sense? Why don't we get more vacation time? Why, why, why, why, why, why, why? You could have be having all these great experiences your whole life with the money you're earning now. And you could be traveling, you could be doing, you could be having great experiences with your kid, taking hikes along the mountain ranges and countries you've never seen before, but you can't because you're limited on time off. You can't because you're financially limited. You can't because your hands are tied up. In this fucking monstrosity of an economy, in this monstrosity of a system that was designed for us to ultimately fail at. Now remember, ladies and gentlemen, it's only Monday. If you have any thoughts about what I just said, go to my website, www.gestersvoice.com, click on the leave a message button and tell me what you think. Or send me an email, doomdaily show at gmail.com. But make it something intelligent if you can. I hope I've given you a lot to think about and take with you throughout the week. ⁓ we will be back tomorrow for another exciting episode of the Doom Daily Show. Producer Scooter, if you would hit that button. Jester wants to thank you for listening to the Doom Daily Show. Don't forget to like, share, and subscribe. Facts and opinions. This is