Inflation comes into play, and is one of the reasons i hate investments. Investments in today's forms are pure kikery. The kikes want you to give away 18% of your paycheck (oy vey, it gets matched lol), and then live with 18% less per year, the idea being you pay less taxes. Then they turn around and increase the federal income tax (Biden proposed this) anyways, and then put no caps on state or local income tax (Oy vey it gets tax deducted goy!). Once you cash out, you get taxed AGAIN on the funds(you have to pay your fair share, you rich man), at all levels, on top of the silent inflation(remember the war torn immigrants goyim!) tax which makes the purchase power of your retirement account completely unknown to you possibly 1 or 2 years before you retire anyways. And for no reason, Hitler rose to power, just nothing to see here. Nope just one day, germany decided to expel jews for absolutely no reason, just anti semitic you know?

I never see bills as trying to take my money. I happily pay bills. I chose the purchase because it was a good use of money. If a bill is more than I have then it's on me for planning poorly.