• 0 Posts
  • 76 Comments
Joined 1 year ago
cake
Cake day: June 12th, 2023

help-circle

  • 50k and paying 15k, because that person is living within their means. They probably share a shitty apartment with roommates and have a crappy car, but they can sustain their lifestyle. Eventually they will retire with investments covering the exact same income that they have now.

    100k paying 50k is a hot shot, a flash in the pan. They have a higher quality of life right now, but they will likely crash and burn. They cannot live and invest enough money to sustain their lifestyle, and they won’t know what to do when they suddenly have to live on half of what they used to make.

    Making more money does not mean you have better finances, it usually just means you own more expensive stuff right now.

    Edit: the one exception is the 100k paying 50k and then living like the 50k paying 15k for literally everything else. They are not the norm, but those people will probably be ok. They’ll have to move when they retire though, or have like no paid fun ever.



  • 30% is widely considered to be the most you should pay for a living space in order to live a sustainable lifestyle and retire comfortably. It even says in the article that they consider anyone that has to pay more than that to be “cost burdened”.

    It usually breaks down somewhere around 30% on housing, 20% on necessary bills, 30% on wants / unnecessary bills, and 20% on retirement investments / savings.

    The fact that nearly half of renters cannot do that is the problem that they are trying to highlight, but it doesn’t offer much of a solution. These people will not be able to retire without public assistance (if they can at all), and will likely run into serious struggles long before then.













  • Mine too lol. I know that isn’t technically enough, but we aren’t talking instantaneous damage like a laser here. You need to be much more careful around stuff like that.

    Regular UV radiation is a gradient, like going outside without sunblock. You’re gonna burn if you are an idiot about it. Don’t stare at the thing for 60 minutes straight. We looked, we saw, and then we stopped looking.




  • They want you to use the search instead of a functional interface. That’s why they keep making the interface worse.

    It lets them spy on you through bing, allows them to fill the results with ads, and lets them hide system applications unless you know exactly how to find them.

    It’s also them gearing up towards funneling the entire UX through copilot for largely the same reasons.

    The entire goal is to flip the operating system from the slave of the user to the master of the content.