I seriously keep reading LLM as MLM

And with AI sinking its claws in… I can only imagine how rough the ride will be. There is still good content out there, there is just more trash to sift through to find it.

Hey, you made the choice that was best for you. There are pros and cons for each, and right now my only option is to rent. I am extremely fortunate to have a very below market rate and will take advantage of this time to save all I can.

Yeah, it is a pipe dream. I’m just sick of the unaffordability.

I use my towel in the opposite direction of what’s shown here. Although there shouldn’t be an issue if you’ve cleansed thoroughly (and I do), I personally cannot get past the thought of drying my ass and face with the same exact part of the towel. Luckily, I let my face air dry for skincare purposes.

One doesn’t always need to buy a home, but I don’t know your circumstances. Houses should be as affordable as cars, but I can’t even afford to pay on a 250K loan.

I wonder what would happen if everyone suddenly stopped being in debt. Really wish people would just stop feeding the beast.

I bought the latest of some devices earlier this year, but didn’t have cash to buy a completely new PC. I’ve decided if my older desktop breaks, I’ll just have to get a “cheap” laptop & install Linux. Hopefully things stabilize within the next few years as manufacturers shift production.

And it fucking sucks. I’ve been getting my resources from non USA government sites or my state health board (since that information is still reliable).

Yeah, we do a lot of inner fighting and it is difficult to get through it. I even find myself getting frustrated at people, who earn twice as much as me, complaining about how they live paycheck to paycheck. The cost of living is not high here (and I save a lot myself), and I think about the wealth I could build if I had their income; basically I think, “why are you complaining??” But we have to remember we are on the same team. We are all ultimately getting screwed over by the owner class.

A few months ago, I did a fresh install of Windows 11 with no access to any personal files, etc, all done on a separate drive. After seeing all of the changes, I am glad I haven’t used it since. Holy moly.

Gold & ETFs

I totally would love a tiny house. Hell, land is still affordable where I live and it’s still feasible to put a trailer on it and chill.

I wouldn’t mind permanent apartment living either if they built the buildings better. I don’t want to fall victim to a neighbor who doesn’t take care of their home; basically if they have rats or make noise, I don’t want the rats nor do I want to hear the neighbor. It’s just too much to deal with the older I get.

The reality is, anyone can gain that kind of wealth by their 40s/50s if they are financially literate at a young age. You can make a median income and still come out a millionaire if you invest even a small amount consistently from late teens/early 20s. Bernie is an old man, so anyone his age that did that could easily be a multimillionaire without trying too hard, even with a middle class income. Now, I’m not sure how he obtained his wealth, just saying that millionaires aren’t all evil or born rich, in fact most didn’t come from wealth.

The main issue with many Americans not getting that far is poor financial literacy. Most don’t figure it out until their 30s, so they end up behind. Obviously, I won’t include those who were born in poverty as that is a whole other issue and is very difficult to overcome.

Due to the current administration’s shenanigans, states are needing to step up anyway. States came together to get the COVID vaccine out to their people, and to help one another track illnesses. I can see more cooperation like that in the future if the BS keeps up (which it most likely will). My state is already trying to figure out alternatives so we don’t have to be so dependent on the federal government.

For those who do get paid very well, I wonder why so many can’t afford even one month; many experts suggest a 3-6 month emergency fund (I know the median paid American can’t really do that these days). Now, I understand everyone has a different situation, but I always find it strange when so many who are being paid very well for years don’t have even a month’s worth of expenses.

I think this non payment situation is inexcusable though and even well prepared individuals cannot do this forever. Something will have to give.

I feel like “having it easier” can be relative. I definitely have it easier than my grandmother who is a black woman born in the late 1930s who only has a high school education. I’ve even had an easier life than my parents in many ways, even if they did achieve the “American Dream”. I may not be able to afford a house right now, but everything else has been easier as a whole so far. I’m in the USA, so we’ll see how the rest of it goes.

ETA: spelling

Businesses, institutions, and even the government itself all **require** the use of VPNs to remain secure. VPNs are vital to functioning IT infrastructure everywhere.

This is the first thing I thought about. Bills like these always allow for vulnerabilities that would affect the entire nation, themselves included. It’s extremely short sided.

Hail messed up my paint and the insurance company wanted to total my car. It’s well maintained and still worth $11-13K. No way was I doing that. Found a place that would paint it for me at a cheaper price & paid out of pocket. I just need my car to take me to & from work.

It’s been playing great on mint for awhile now.