In US, you get punished by being prudent

https://www.marketwatch.com/story/people-who-saved-for-retirement-are-being-punished-by-social-security-taxes-2019-01-07

LOL...

Why doing it...

先享受了再说，不行在吃政府呗。

从这个角度看，三哥的观点及其错误啊。呵呵。联储会告诉你去买最贵的房子，去买最有风险的资产。你不干等崩溃，结果自己没享受到利润，最后还要被干的人占便宜。何苦呢？

最好是放个3%买最贵的房子，先享受了再说，不行申请破产扔给银行，让存钱的人替你付。哈哈。