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Joined 3 years ago
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Cake day: June 8th, 2023

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  • If you have 100k saved in liquid cash, you definitely need to be investing that in broad scale index funds. Keeping it liquid means inflation is going to be eating away at your money over time, which is really not good. The whole market is pretty out of balance due to AI, but it’s better to get in now rather than trying to wait and see. You have time to recover from market crashes, just don’t panic sell if the market crashes.

    If financial stuff isn’t your thing, you can also save for retirement in prefabbed vehicles called Target-Date Funds. These are kinda annoying as they have a decent amount of fees, but you basically set a retirement goal date, and they will automatically rebalance more and more conservatively over time. However, you are at a bit of a disadvantage if you start at 43. I’d recommend saving aggressively if you can afford to.

    Renting vs buying is always a thing, and it highly depends where you live. Having money for a down payment is good, but I’d consider what 100k invested right now would do for you until you are 80 vs what a house would do for you instead. 40 years of interest could be better than a significant debt load, even with several market crashes.

    Fwiw, if you don’t have a spouse or kids, I don’t really see much value in a house. Rent a cheap one bed and laugh all the way to the bank when a water pipe breaks and you don’t have to cover 75k in water damage.












  • I always vote, local, state, and federal. I would never vote for candidates who specifically are out to destroy things, or do austerity measures. I also don’t vote by party, but by values.

    Because few people vote in my area, my votes have enormous impacts on society at large, which feels uniquely powerful.

    I love the woods a lot, so I voted for a candidate that wanted to preserve them. My singular vote alone counted as 2% of the entire state, and the pro-Muir candidate won. And that was me alone, I also talked to friends and family about voting, which they did.