Cries in American

Twist: They’re alive. And they’re angry. Choose your weapon.

How do you get a full-year’s pay after getting fired?

Mango Mussolini

That’s fucking brilliant

I’m definitely migrating to Linux at some point before then

FedEx is amazingly bad

I think Tesla could also be a company driving positive change if he wasn’t cutting costs and pushing stupid products

I think association counts if the sounds associated with it are consistently repulsive. For example, the sound of flies swarming around a pile of crap.

It’s great as essentially a StackOverflow that I can talk to in real time. But as with SO, I’ve still got to figure out what pieces are legit and where they go.

An index that either tracks the top 500 companies or the total market. Look up a 3-fund portfolio if you want to go a little deeper.

Alternatively, max out an IRA if you haven’t already this year and are in a position where you won’t need that money until retirement.

Edit: I realized I’m assuming a lot about your situation. So instead, here’s a general list of priorities that applies to more or less any situation. You should only proceed with a step if all the steps above it are achieved. Also keep in mind, I’m not a financial advisor just a random stranger on the internet sharing my personal financial strategy.

1. Pay your future-self first. Establish regular contributions to your retirement account and HSA if you have one, totalling between 3-5% of your compensation or whatever your company’s matching policy is (That’s not free money, it’s part of your compensation package. Not claiming it is like waving a portion of your income).

2. Pay off all debt since interest is essentially paying a percentage-based monthly fee for owing money and we’re not privileged enough for our assets to cover that expense.

3. Build and maintain a liquid (cash) holding as an emergency fund. This isn’t for investing or expensive new toys, it’s insurance that will cover your expenses for 6-12 months. Put it in a high-yield savings account or money market since it will be a significant sum and inflation will otherwise reduce its value over time.

4. Max out your retirement accounts to the contribution limit, your 401(k), IRA, and HSA if you have one. These accounts have tax advantages that essentially mean you can put more money towards retirement than you could in an individual trading account. This doesn’t have to be one lump sum, you can divide it up into monthly contributions so long as you’re on track for maxing your contribution limits by the end of the year.

5. Open an individual trading account with a broker (Vanguard, Fidelity, etc.) and invest in index funds (3-fund portfolios are reliable and low-cost). If you anticipate a significant expense over the next 10 years, i.e. a down payment for a house you can budget between this and the funds going towards Step 4 but keep in mind the tax advantages of retirement accounts means you’re likely missing out on some retirement gains.

People have lost their lives and homes, and will continue to do so at increasing rates, precisely because of this “now is not the time for politics” sentiment when it comes to climate change. The longer we kick the can down the road, the more people are going to be killed or displaced because of it.

Obligatory fuck Nintendo!

TilTok likely got my car stolen (Hyundai vulnerability trended on TikTok)

We need more people like you! Thanks for helping us move forward.

I’m jealous! I’d love to do all those things to my house. Unfortunately, I’m priced out of homeownership in my area. So I rent and all the money I’d otherwise be spending on climate-friendly upgrades are instead financing my landlord’s wealth accumulation.

Lol, as a programmer who uses generative AI myself, I would genuinely love to see them try.

It’s without a doubt motivated by their own loss of revenue but a consumer friendly take is still commendable

Oh no! Anyway…

They also cause fires, severely injure and kill people, trigger people with PTSD, frighten animals and disrupt local wildlife.

It’s kinda wild to see things moving in the right direction for once…