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Joined 1 year ago
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Cake day: June 8th, 2023

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  • My wife always gets mad when I point out that the dog sits around all day, demands the food off of her plate, and constantly interrupts her when he is bored or wants attention, but she spends hours doting over him and praising him. I, on the other hand, work all day to sustain our lifestyle, spend a lot of my “leisure” time doing chores around the house, and am mindful to be polite, but I barely get a hug and “I love you”.

    For anyone who is in doubt, I mean it in jest. I don’t need constant reassurance and reward to keep being a responsible adult. Also, though she will not admit it, she knows the dog is much cuter than me.




  • My wife and I enjoy shows like House Hunters occasionally. We like watching house tours plus they discussed the pros and cons of each home and how they would renovate or remodel the home. Plus, you get to see one of the houses redecorated (even if it was just staging).

    Sure, the buyers and agent might be actors, but the houses are almost certainly real (it seems much cheaper to just rent and stage a couple of houses to film in than to build multiple rooms just to get 10 minutes of footage).

    Also, reality shows have inspired some amazing progress in documentary editing. I don’t think shows like Last Chance U and Drive to Survive would have been half as good without it (even if they are not educational or totally accurate).


  • I have heard that some people like to have part of their income in a ROTH account as a mega purchase account. The reasoning goes: if you are planning to make a very large one time withdrawal (for example, to make a down payment on a second home), taking that money out of a traditional 401k will be taxed as income and may put you in a high tax bracket, while if you are paying with ROTH money, you already paid taxes, at whatever your tax rate was while working.


  • There is also a ROTH 401k. Same tax benefits, but with higher limits and all of the 401k benefits.

    In general, a 401k, 403b, or other employer sponsored retirement plan is going to be a better deal than an IRA. With a401k, your employer is paying for your account; with an IRA, you are paying for the plan out of your returns (via fees, lower interest, etc.). Also, it is common for employer sponsored plans to match part of the money you put in.

    You can also have both a 401k and IRA to double dip on investment limits, but only if you are in a particular income bracket (you cannot contribute to an IRA if you have a high income and you are not likely to be able to max out a 401k if you have a low income).



  • The average amount of food I buy should be, on average, the same as the amount of food I consume, but the amount of food purchased during a given shopping trip varies, especially in the amount spent on nonperishables. I am likely to buy a lot of a given item, store the extras for when I need them, and buy more when I run out.

    If I am wandering around the store, I may see an item (like a snack) that I am interested in trying and pick some up. In doing so, I am slightly delaying the next time I need to buy more, but it is an overall gain for the store since they are getting my money earlier and the future stock up trip may be from a different store.


  • On average, whether over a large enough population or a long enough time, people are living better and better.

    Literacy rates are improving and information is becoming easier to access.

    Medicine is always innovating. Medical care is becoming more and more available. Many deadly diseases are either wiped out or easily treatable.

    For much (most?) of the world, nutritious food, clean water, and sanitation is available (if not always affordable).

    Sure, some where in the world there is natural disaster, but we are constantly getting better at predicting them and buildings are being built to better handle them. There is still violence and unjust governments, but both are trending down.

    That is not to say that we cannot do much much better nor that there are not easy things that we could do to improve. It is likely that your current situation has gotten worse in some way or another. But we are averaging ten steps forward for every step back (no matter how big and unnecessary that step back is).