• 6 Posts
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Joined 16 days ago
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Cake day: June 11th, 2026

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  • Pay off all your debts, six months of needs liquid in a high yield savings account for your emergency fund. You can save for a house and put the rest in an index fund after matching whatever incentive your job gives for the 401k. Even the best investment firms really don’t beat the market in the long-run so I wouldn’t suggest getting fancy with your investment strategy. Watch out for dumping your money into a new car or other things that really don’t have a return but also make sure to set some money aside to enjoy life. The general rule is 50/30/20, don’t exceed 50% on needs, 30% on wants and put at least 20% into savings & investment. That said with your current situation you could build a good base for yourself and do 15/25/60. I’m not sure where you are but assuming the US housing market if you could put away 80K that would be helpful but not necessary.

    If you have student loans or really any debt might be a good time to clear it out completely if you want. It’s very freeing.

















  • I know it’s not an everyone and everywhere thing. Just a general statement about the overall society and its culture. With the US’s GDP the citizens could have a much higher quality of life than really anywhere else but they generally choose to have a very low quality of life dedicated to work. I’ve known people who haven’t taken a holiday in years or would complain that if they ever took more than two weeks they would be hurting their career. It’s depressing to watch the people who have the most cosplay living in a much poorer nation. Also yes I’m aware that the wealth is primarily in the hands of the unelected american royalty but I thought the second amendment was there to prevent that circumstance. Governments are meant to protect and serve their citizens and citizens must ensure the government is doing so.