Men 45+ on OLD: are they all broke?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:See men would totally be willing and want to pay for a girlfriend to go on vacation together.

And they shouldn't be ok with that, TBH. When I was dating my now exH, I was younger and still contributed to our vacations pro-rata our incomes. And I do think he married me in part due to seeing me as partner, not a bimbo. A lot of men in their 50s become incredibly cheap, and even if they make serious money (200k+), they are just staying back home, not traveling etc. I think it's part of a mental decline for that age group, not necessarily a sign of financial instability. I've met men who were making $500k but incredibly cheap relative their income. Generosity is a character train, and it's always related to ability to give in a relationship in many other ways. That cheap guy was also pretty a bad lover, and a multi-dater.

I never expect a man to pay for me. I have plenty and I am not for sale.
A man paying for a woman is the gentlemanly thing to do. Why is the girl a bimbo? Isn’t this whole thread about men who can’t afford to pay for himself let alone the woman???

DH earns a high income now but he also paid for me when he was a poor grad student. He has always given me his all.

You are not for sale. I have a daughter. I want the absolute best for her. She will be able to pay her way. She will have a trust fund. At absolute minimum, the type of man who is worthy of dating her should be able to treat her to dinner.

And I hope she marries someone wonderful and lives happily ever after and not trying to date as a 45 year old divorcee who can’t find a man to pay for his own vacation.

[Anonymous]

The best men are the ones who cheat. There's a reason they're able to cheat. They're successful and magnetic. People who don't cheat don't have good enough opportunities to do so.

Remember that when you're OLD and you see all these losers on there. The successful men aren't doing OLD. As a PP said, they're at the private athletic club and the private school fundraisers and preschool dropoff. So open your eyes and stop getting on a high horse about "cheating".

[Anonymous]

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Anonymous wrote:I'm cheap af, and also poor by DC standards (only $1 million in the bank and $200k income).

But the bigger problem is that I have no intention of dissipating my wealth on an over-the-hill woman.

What wealth?

At age 55 only one or two percent of the population have $1 million or more in retirement savings. Of that one or two percent, 95 percent are married.

For my $1 million, that's just what I've been able to create since a divorce 9 years ago. By the time I retire I hope it's 2-3 times larger.

90%ile of every age bracket above 45 has NW over $1M.

I don't think so. The median household net worth (and we were discussing retirement funds not net worth) at age 55 is around $110,000, no where close to $1 million. And much of that net worth is in the form of housing, which is not liquid and which can crash in value.

If you think people in this area or on this board represent the mean I don’t know what to tell you. Op is clearly not the mean and would match well with someone who is. The mean in this country is a pathetic standard.

This board is chock full of lies and delusions. If everyone here was $5 million in net worth, the owner of the site would be an idiot to not have a huge membership fee. Also, the targeted ads are pretty middle-class.

You are delusional. A pretty average home in NW DC or Bethesda is worth $1.5mm now. How much in NW do you think the women living there have ? Of course it’s well over $1mm. Read finance forum. People who started at WB/IMF/IFC before 1998 have 300k/year pensions. Feds have military pensions, current salaries and rentals. 300k combined income from all sources is pretty common for the area and nothing to brag about.
Signed $4.5mm NW mid 40s female. In addition to this current NW, I’m very frugal and save around $170k/year in my brokerage and pension combined.

People who are currently in their mid 40s did not start working at the WB/IMF/IFC before 1998. That's when we graduated high school or were in college.

We know some WB/IMF families who seem very well off. I just assume family money. I don’t doubt they have money. I just don’t think that wealth is all from their salaries.

No one is getting rich at WB. My post about my dad's WB pension being paltry got deleted. So that means I was right about the BS she is spouting.

She's just a poor schmuck wishing she had money.

Well, you are very wrong. Copying my older post about WB plans and salaries scale:

Your dad probably wasn't even a senior specialist at any of these, if his pension wasn't 2/3 of his salary. The WB Group pension plan was based on gross salary prior to April 15, 1998 and it was 2/3 of the highest annual compensation. They don't publish this information anymore in open access, and the present defined benefit net plan is a far cry from the old one. But those who joined prior to April 15, 1998 and retire now have insane pensions. You can look up the court case that references the old plans here: https://tribunal.worldbank.org/sites/default/...20IBRD%20-%20589.pdf
And the salaries scale is here: https://thedocs.worldbank.org/en/doc/64378161...l/HQSALARYSCALES.pdf

Lady, what is your deal? This is about broke guys online dating. I’m sure your dad is financially well off. Is your dad the one dating here?

People in their forties would not qualify for your 1998 pension. We were just graduating from high school and still in college.

That was just in response to PP saying that her dad from WB group was nowhere near that pension. Her dad must be in his 40s, then

You really are all over the place. Even if we took you at your word for the 2/3 salary calculation, one would need to be banking 900k at the WB to have a 300K pension. And would have had to have been there for either 26 years, or they would have to have been making the equivalent of 900K but back in .... 2012 or whatever.

It's bologna, and we all see it. Just give up already.

Your math is seriously math: in order to get 300k pension as 2/3rds of your former salary, the salary should be 400K. Which is what senior level staff makes there pre-retirement age. I didn't say 900K

DP here. Your math is still wrong. It would be 450k. Most people were not making 450 at WB. Maybe your dad was??? I don’t know what the highest paid person at WB was ten years ago.

An average WB worker is certainly not making 450k today at 45 and they don’t qualify for that 1998 pension anymore.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

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Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I'm cheap af, and also poor by DC standards (only $1 million in the bank and $200k income).

But the bigger problem is that I have no intention of dissipating my wealth on an over-the-hill woman.

What wealth?

At age 55 only one or two percent of the population have $1 million or more in retirement savings. Of that one or two percent, 95 percent are married.

For my $1 million, that's just what I've been able to create since a divorce 9 years ago. By the time I retire I hope it's 2-3 times larger.

90%ile of every age bracket above 45 has NW over $1M.

I don't think so. The median household net worth (and we were discussing retirement funds not net worth) at age 55 is around $110,000, no where close to $1 million. And much of that net worth is in the form of housing, which is not liquid and which can crash in value.

If you think people in this area or on this board represent the mean I don’t know what to tell you. Op is clearly not the mean and would match well with someone who is. The mean in this country is a pathetic standard.

This board is chock full of lies and delusions. If everyone here was $5 million in net worth, the owner of the site would be an idiot to not have a huge membership fee. Also, the targeted ads are pretty middle-class.

You are delusional. A pretty average home in NW DC or Bethesda is worth $1.5mm now. How much in NW do you think the women living there have ? Of course it’s well over $1mm. Read finance forum. People who started at WB/IMF/IFC before 1998 have 300k/year pensions. Feds have military pensions, current salaries and rentals. 300k combined income from all sources is pretty common for the area and nothing to brag about.
Signed $4.5mm NW mid 40s female. In addition to this current NW, I’m very frugal and save around $170k/year in my brokerage and pension combined.

People who are currently in their mid 40s did not start working at the WB/IMF/IFC before 1998. That's when we graduated high school or were in college.

We know some WB/IMF families who seem very well off. I just assume family money. I don’t doubt they have money. I just don’t think that wealth is all from their salaries.

No one is getting rich at WB. My post about my dad's WB pension being paltry got deleted. So that means I was right about the BS she is spouting.

She's just a poor schmuck wishing she had money.

Well, you are very wrong. Copying my older post about WB plans and salaries scale:

Your dad probably wasn't even a senior specialist at any of these, if his pension wasn't 2/3 of his salary. The WB Group pension plan was based on gross salary prior to April 15, 1998 and it was 2/3 of the highest annual compensation. They don't publish this information anymore in open access, and the present defined benefit net plan is a far cry from the old one. But those who joined prior to April 15, 1998 and retire now have insane pensions. You can look up the court case that references the old plans here: https://tribunal.worldbank.org/sites/default/...20IBRD%20-%20589.pdf
And the salaries scale is here: https://thedocs.worldbank.org/en/doc/64378161...l/HQSALARYSCALES.pdf

Lady, what is your deal? This is about broke guys online dating. I’m sure your dad is financially well off. Is your dad the one dating here?

People in their forties would not qualify for your 1998 pension. We were just graduating from high school and still in college.

That was just in response to PP saying that her dad from WB group was nowhere near that pension. Her dad must be in his 40s, then

You really are all over the place. Even if we took you at your word for the 2/3 salary calculation, one would need to be banking 900k at the WB to have a 300K pension. And would have had to have been there for either 26 years, or they would have to have been making the equivalent of 900K but back in .... 2012 or whatever.

It's bologna, and we all see it. Just give up already.

Your math is seriously math: in order to get 300k pension as 2/3rds of your former salary, the salary should be 400K. Which is what senior level staff makes there pre-retirement age. I didn't say 900K

I can't believe I'm still engaging but... 300k (your purported pension) is 33% of 900K so that is the 2/3 versus 1/3 calculation.

Or... are you wnating to now claim that the pension should be ... 600K?

[Anonymous]

I just looked up WB salaries and the highest salary is 365k. I don’t know where that loony lady things people have 300k pensions from ten years ago.

https://www.worldbank.org/en/about/unit/human-resources/HQ-AND-CO-COMPENSATION-SCALES

[Anonymous]

Anonymous wrote:The best men are the ones who cheat. There's a reason they're able to cheat. They're successful and magnetic. People who don't cheat don't have good enough opportunities to do so.

Remember that when you're OLD and you see all these losers on there. The successful men aren't doing OLD. As a PP said, they're at the private athletic club and the private school fundraisers and preschool dropoff. So open your eyes and stop getting on a high horse about "cheating".

Following this logics a successful magnetic man will always be in relationships with multiple women. F...k that I would rather date middle class or be alone.

[Anonymous]

Anonymous wrote:I just looked up WB salaries and the highest salary is 365k. I don’t know where that loony lady things people have 300k pensions from ten years ago.

https://www.worldbank.org/en/about/unit/human-resources/HQ-AND-CO-COMPENSATION-SCALES

You need to look by the regions. Here is the HQ salaries scale, it's $605,000 max salary, 325K would be the middle of the pack for someone senior (20+ years of service). So yes, if they joined prior to 1998, the pension would be close to 300, and it will be indexed just like regular salary annually

https://thedocs.worldbank.org/en/doc/643781616107534010-0220012021/original/HQSALARYSCALES.pdf

[Anonymous]

Anonymous wrote:The best men are the ones who cheat. There's a reason they're able to cheat. They're successful and magnetic. People who don't cheat don't have good enough opportunities to do so.

Remember that when you're OLD and you see all these losers on there. The successful men aren't doing OLD. As a PP said, they're at the private athletic club and the private school fundraisers and preschool dropoff. So open your eyes and stop getting on a high horse about "cheating".

The best in the eyes of who? The wife of the cheater or the children of the cheater who watches their dad cheat on their mom ?

That doesn’t sound like the best of anything. The cheater is only cheating his family.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I just looked up WB salaries and the highest salary is 365k. I don’t know where that loony lady things people have 300k pensions from ten years ago.

https://www.worldbank.org/en/about/unit/human-resources/HQ-AND-CO-COMPENSATION-SCALES

You need to look by the regions. Here is the HQ salaries scale, it's $605,000 max salary, 325K would be the middle of the pack for someone senior (20+ years of service). So yes, if they joined prior to 1998, the pension would be close to 300, and it will be indexed just like regular salary annually

https://thedocs.worldbank.org/en/doc/643781616107534010-0220012021/original/HQSALARYSCALES.pdf

How many people do you think make it to this 600k salary?

When I was in college, my dream was to work at WB and live around the world. I’m not putting it down. I ended up working in investment banking and earned more.

[Anonymous]

I think the problem is that these successful single women are spending too much on themselves. They make salaries high enough to be the sole provider for a family of five but instead of paying the huge expenses required to get children well educated from 0-21 they are living the high life. Then they don’t want to put up with a partner who isn’t comfortable spending like that.

So you are basically talking about women of a certain age who make top-1% salaries restricting their dating pool to men with top-1% salaries (who for some reason aren’t interested in younger women). No wonder they are experiencing tough sledding. Meanwhile, very few top-1%-earning single men are limiting their dating pool to top-1%-earning women.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I just looked up WB salaries and the highest salary is 365k. I don’t know where that loony lady things people have 300k pensions from ten years ago.

https://www.worldbank.org/en/about/unit/human-resources/HQ-AND-CO-COMPENSATION-SCALES

You need to look by the regions. Here is the HQ salaries scale, it's $605,000 max salary, 325K would be the middle of the pack for someone senior (20+ years of service). So yes, if they joined prior to 1998, the pension would be close to 300, and it will be indexed just like regular salary annually

https://thedocs.worldbank.org/en/doc/643781616107534010-0220012021/original/HQSALARYSCALES.pdf

How many people do you think make it to this 600k salary?

When I was in college, my dream was to work at WB and live around the world. I’m not putting it down. I ended up working in investment banking and earned more.

I don't work there either, but know many people who do. 600K would be very few, but 300-400K is middle of the pack for 20+ years of service. Its still below investment banking, of course, but not unusually high income by dmv standards

[Anonymous]

Anonymous wrote:

Anonymous wrote:The best men are the ones who cheat. There's a reason they're able to cheat. They're successful and magnetic. People who don't cheat don't have good enough opportunities to do so.

Remember that when you're OLD and you see all these losers on there. The successful men aren't doing OLD. As a PP said, they're at the private athletic club and the private school fundraisers and preschool dropoff. So open your eyes and stop getting on a high horse about "cheating".

Following this logics a successful magnetic man will always be in relationships with multiple women. F...k that I would rather date middle class or be alone.

PP you're like the Division III basketball player rationalizing your failure to win a scholarship, that it was your "choice" to go Division III because the competition was more "pure".

Sure, it's "pure"....purely worthless in comparison to the billions generated by March Madness. So too it is with relationships. If you want the relationship with the successful magnetic man, the one everyone wants, you have to understand that you better be at the tippity-top of your game (e.g. Lauren Sanchez) or that you're going to have to live with his occasional dalliances on the side. Or you can be MacKenzie Scott and go Division III.

[Anonymous]

Anonymous wrote:I think the problem is that these successful single women are spending too much on themselves. They make salaries high enough to be the sole provider for a family of five but instead of paying the huge expenses required to get children well educated from 0-21 they are living the high life. Then they don’t want to put up with a partner who isn’t comfortable spending like that.

So you are basically talking about women of a certain age who make top-1% salaries restricting their dating pool to men with top-1% salaries (who for some reason aren’t interested in younger women). No wonder they are experiencing tough sledding. Meanwhile, very few top-1%-earning single men are limiting their dating pool to top-1%-earning women.

You are right. The top 1% earners who are the same age as OP is not looking for a high earner. He is not looking to split a vacation with OP and her kids. He is going on vacation with a hot younger woman or not going on vacation at all. The more likely scenario is that he is going on vacation with his wife and kids.

Men have so many more options than women unfortunately.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The best men are the ones who cheat. There's a reason they're able to cheat. They're successful and magnetic. People who don't cheat don't have good enough opportunities to do so.

Remember that when you're OLD and you see all these losers on there. The successful men aren't doing OLD. As a PP said, they're at the private athletic club and the private school fundraisers and preschool dropoff. So open your eyes and stop getting on a high horse about "cheating".

Following this logics a successful magnetic man will always be in relationships with multiple women. F...k that I would rather date middle class or be alone.

PP you're like the Division III basketball player rationalizing your failure to win a scholarship, that it was your "choice" to go Division III because the competition was more "pure".

Sure, it's "pure"....purely worthless in comparison to the billions generated by March Madness. So too it is with relationships. If you want the relationship with the successful magnetic man, the one everyone wants, you have to understand that you better be at the tippity-top of your game (e.g. Lauren Sanchez) or that you're going to have to live with his occasional dalliances on the side. Or you can be MacKenzie Scott and go Division III.

As in Patrick Mahomes will one day cheat on Brittany and she can choose to leave or accept infidelity??? Like Vanessa forgave Kobe??

[Anonymous]

Anonymous wrote:

Anonymous wrote:If a 45+ man divorces, he's going to be broke unless he plans it out very carefully. He can't get caught with OW and tip off the wife on what's coming.

I know a surgeon who dumped his wife for a hot nurse a couple of years out of school. But he hasn't told DW and won't until the accountant gives the all-clear. Fortunately for the surgeon the nurse knows to be discreet so that she doesn't create fault for him (it's Virginia).

It's lousy for the wife, sure, but he has way more market value now and his wife hasn't kept up. For a guy who settled for 5's and 6's all along, he's thrilled he's gotten a 9.5. Whether it's for him or his bank account, he doesn't care and says it feels great regardless.

I know a surgeon who had to pay his ex wife 26k per month in VA. Pretty sure it was a no fault divorce. The wife moved on faster so if anyone was cheating, it was the wife. I’m not sure what your surgeon friend plans to do to hide this money from his wife. Or if he is only a few years out, he probably doesn’t have much net worth built up yet.

Do they have kids?

I have heard of various scandals with surgeons cheating with nurses or reps. It doesn’t end with the surgeon marrying the affair partner. Divorce, yes. Surprised how many wives stick around.

No faint divorce is a reason many men won’t marry. Knew a guy who was married and building a home for his wife. He came home and found some guy balls deep .

He sold the house he was building and completed for pennies on the dollar so she wouldn’t get it. The people who bought it lucked out, but she still got half his stuff - most of which was his business he built from the ground up. He was a contractor and worked his ass off, to halve half of it gone and she cheated. This was in VA.

Don’t every get married guys…just don’t do it