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avguser

@ avguser @lemmy.world

Posts
4
Comments
30
Joined
3 yr. ago

  • Am i the only one who feels like it's the same handful of users posting and commenting on lemmy?

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  • From Wikipedia:

    "Neckbeard" is a pejorative term and stereotype for an adult man or teenage boy who exhibits characteristics such as social awkwardness, underachievement, or pretentiousness.

    And incels are described as:

    An online community of young men who consider themselves unable to attract women sexually, typically associated with views that are hostile toward women and men who are sexually active.

    Certainly not related communities but could conceivably overlap. Not surprising that a lot of Internet trolls fall into one of those categories.

  • People that were in Hurricane Milton, how was it and how are you doing?

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  • How are you doing financially?

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  • Since I left college and started out into the "adult world", I've always spent less than I made, the rest going to savings or investments toward retirement. I accomplish this by "paying myself first". If I have already saved the money as my first priority, I can't spend it on things like rent or groceries. So my financial choices are forced to be more conservative by design.

    Example: I forget what the max limit to IRAs were at the time (say $5k/yr) but for my first job I set up auto contributions each month and mentally took a $5k/yr salary "cut" for that job. Every time I got a raise, I made sure that at least a portion of that raise went to increasing my savings rate and attempted to avoid lifestyle creep.

    Thanks to my savings, I've been able to handle some emergencies in cash vs having to utilize debt to cover the expenses. It really is a snowball. I started out small, now my savings is significant compared to my income.

    I attribute a lot of my "pay yourself first" approach to reading The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich early on.

  • Thoughts on the debate?

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  • It was refreshing to have a civil debate without yelling and name calling. Compared to the previous debate it's night and day.

  • Do you pronounce "Data" as "Day-ta" or "Dah-ta"?

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  • Dih-toe

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  • Dave Ramsey got famous for teaching an educational series and books focused on getting financially illiterate folks out of debt and onto a path of relative financial security using his "baby steps." While not bad advice per se, he's not regarded as an expert if you are already able to self regulate your finances. It gives folks a decent starting point and some reasonable first principles, but he should not be considered to be the gospel of financial advice.

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  • I think the underlying sentiment of the finance gurus in this scenario is not "don't help your family" but rather "you need to put your own oxygen mask on first before attempting to help those around you."

    If your financial house isn't in order, helping someone out of their hole first only hurts your cause. (If you only look at finances in isolation and ignore significant relationships...)

  • click click click

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  • It's a taquito.

  • How many communities do you have blocked?

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  • My blocked community list got significantly shorter when they introduced instance blocking. Got pretty tired of playing furry porn community whackamole.