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Is there an ethical way to try and ensure that I will have food, shelter and medical care as I age? In the US we can’t depend on the government safety net. Everyone isn’t as able in their 60’s and 70’s as they were in their 30’s and 40’s, so assuming that I’ll be able to work and make a reasonable income the rest of my life is wildly optimistic. Anyone working at a job for 30+ years shouldn’t be stressed about survival but that’s not reality. Putting money in a savings account at a credit union is good but I don’t think that will move the needle. Any decent pension or retirement plan is gonna put money in the stock market. Even with passive investing in index funds, you’re on of the stock holders that fucks like that UHC CEO was trying to appease. Given the state of the economy in the US today, buying and renting a duplex, triplex or small apartment building might be less evil than owning random stocks.