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Joined 2 years ago
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Cake day: June 21st, 2023

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  • Yes, and actually with low amounts of money to work with you can make your contributions very efficient. To best spend save for retirement, choose the first option from this list that applies to you (and if you are able to save more later, go down the list after exhausting each option):

    • 401k up to maximum company match
    • pay off high-interest (>4%) debt
    • IRA up to the contribution limit
    • investment-type HSA up to the limit
    • max out 401k contribution
    • personal investment account without tax advantage

    For most people, it’s recommended to use a traditional 401k and a Roth IRA, but it varies by situation. As for what to invest in, I would recommend a popular low cost ETF or index fund, like Vanguard or SPY. You can also look into ESGs if you want to do good with your money, but your expected earnings may be lower. I’m in ETHO and TICRX.

    You might check out fire@lemmy.ml or personalfinance@lemmy.ml if you have questions about getting started.


  • Exactly how I feel. It is certainly favoritism that undermines our justice system, but I think very few people would choose not to intervene to save a child they loved from great suffering, even if they knew their child had earned the punishment. It may be wrong, but it’s very understandable that in this case he prioritizes being a good father over being a good president.
















  • I felt the same way (spoilers for whoever hasn’t read it). The protagonist just kept encountering significant people where it seems like there’s going to be a struggle to overcome, leading to character development and newfound maturity, but no. He just moves on to another scene instead and they’re not seen again. It was just annoying.

    The teacher that feels he’s not living up to his potential? The private school friends that he hangs out with but often finds frustrating? The childhood friend who he shares unexplored romantic tension with? The nuns whose meals he pays for despite having dwindling funds? The prostitute he just wants to have a conversation with? Her pimp, who attacks him? The potentially rapist family friend? For pretty much all of them a relevant conflict is initiated just for him to leave it unresolved, probably after labeling them a phony.

    The only exception is his sister, who he sees like two or three times. And then the final conflict at the end is like: “Hey sorry for taking your birthday money so I could keep wandering around these past couple of days instead of talking to our rich parents.” “That’s ok, I forgive you. You’re my brother and I love you. But I worry about you sometimes.” “Yeah anyway, I’m bitter about the world so I kinda want to disappear into the wilderness.” “Please don’t do that.” “Ok I won’t.”