<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>falcolas</author><text>Counterpoint: Your chances of dying before &amp;quot;making it big&amp;quot; and retiring are somewhere in the 1-in-10 range. Investing works mostly because of the current trend of artificially propping up the stock market. Any failure in your investment strategy leave you in the same boat as the current boomer retirees who are trying to get back in the workforce.&lt;p&gt;Not to mention, your life is going to be pretty miserable if you&amp;#x27;re working two jobs and spending a lot of effort on living frugal. There&amp;#x27;s just something off-putting about the thought of spending decades living frugally and working yourself to the bone so you can retire and finally have fun.&lt;p&gt;The exemplar folks who advocate doing this, a&amp;#x27;la Mr. Money Mustache, are real pieces of work too. They tend to hide the fact that they went into the process with an inheritance to fund their their nest egg and are working nearly full time in their &amp;quot;retirement&amp;quot; as paid frugal advocates.</text><parent_chain><item><author>11thEarlOfMar</author><text>The highest probability for success for the &amp;#x27;everyday person&amp;#x27;:&lt;p&gt;- Earn as much as you can from your own work. Take a 2nd job, change to a higher paying job, ask for more responsibility and a raise at your current job, go back to school for a more lucrative degree, ...&lt;p&gt;- Spend much less than you  earn. Economize, share an apartment, buy an inexpensive car, shop at Trader Joe&amp;#x27;s and Costco, ....&lt;p&gt;- Learn how to invest. This is really important. The most deliberate and highest probability of ultimate success is likely mutual funds. Individual stocks can goose it, but should only a small portion of your wealth, as they start to bring a luck factor into the mix ...&lt;p&gt;- Protect your investments. Health insurance is really a must in the US, might be a must elsewhere. Work for a company that offers health insurance. Car insurance is a must. Other insurance is probably wise.&lt;p&gt;- Be patient. The compounding effect of investing takes a long time, but once it gets rolling, it&amp;#x27;s pretty much unstoppable.</text></item></parent_chain></comment><story><title>How to get rich without getting lucky</title><url>https://threadreaderapp.com/thread/1002103360646823936.html</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>nojvek</author><text>Health insurance is a must in US because the entire country systematically doesn’t give a shit about how inefficient it is. I guess some people make fat bucks at the expense of people’s lives.&lt;p&gt;My pay + company benefit == $650&amp;#x2F;month to Anthem.&lt;p&gt;I still end up paying $5000 for all pre-pregnancy costs out of pocket and the baby isn’t even here yet.&lt;p&gt;In Australia it would be 10% of that, purely because they got their shit together a long time ago.</text><parent_chain><item><author>11thEarlOfMar</author><text>The highest probability for success for the &amp;#x27;everyday person&amp;#x27;:&lt;p&gt;- Earn as much as you can from your own work. Take a 2nd job, change to a higher paying job, ask for more responsibility and a raise at your current job, go back to school for a more lucrative degree, ...&lt;p&gt;- Spend much less than you  earn. Economize, share an apartment, buy an inexpensive car, shop at Trader Joe&amp;#x27;s and Costco, ....&lt;p&gt;- Learn how to invest. This is really important. The most deliberate and highest probability of ultimate success is likely mutual funds. Individual stocks can goose it, but should only a small portion of your wealth, as they start to bring a luck factor into the mix ...&lt;p&gt;- Protect your investments. Health insurance is really a must in the US, might be a must elsewhere. Work for a company that offers health insurance. Car insurance is a must. Other insurance is probably wise.&lt;p&gt;- Be patient. The compounding effect of investing takes a long time, but once it gets rolling, it&amp;#x27;s pretty much unstoppable.</text></item></parent_chain></comment><story><title>How to get rich without getting lucky</title><url>https://threadreaderapp.com/thread/1002103360646823936.html</url></story>