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Barring accidents, injury, or bad luck (e.g. a car crash or something), you can absolutely save enough to retire as a plumber before your body starts to break down. Especially if you assume SS will still be around for a new plumber's retirement, which may or may not be the case. Even without, it's doable. I know two plumbers socially and both are in their late 40's. One owns a plumbing business so mainly does office/marketing tasks but one is just a standard plumber and does plenty well for himself and his family.



Which brings up another issue: manual jobs involve non-trivial amounts of physical risk. Not only does getting injured negativly affect your life you will always do better working than on disability. And I agree that it's possible for some people to own a business or or do office work, but not everyone who is a plumber today will be able to do that. There are fewer owners than workers.

I don't think we should discourage trades, but we can't sugar coat them either. I used to work as a mechanic and never met one that was 65 (the SS retirement age). The safety nets in place are optimized for people who work office jobs, not manual jobs.


Is that where insurance and/or trade cooperatives come in?


This ^^, you can do well as a plumber and retire after 2 or 3 decades of working if you play your cards right, leaving you with a fairly functional body and freedom from working 1 to 2 decades ahead of most people in the US.




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