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avguser

@ avguser @lemmy.world

Posts
4
Comments
55
Joined
2 yr. ago

  • 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

  • What's a handy terminal command you use often?

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  • Another ls alias I'm a fan of is ls -latr which I alias to lt. It gives you a time sorted directory listing with the most recent next to your cursor (helpful for large directories).

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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...)

  • what is your favorite community on Lemmy? (not .world exclusive)

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  • What did you have to learn the hard way?

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  • If she says you don't need to use protection, you need to use protection.

  • What did you have to learn the hard way?

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  • Never stick your dick in crazy. The sex is great but it's absolutely not worth the drama. That being said ... it was a fun lesson to learn!

  • On, my heart will go

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  • What's the most cringe shirt you can come up with that's okay to wear in public?

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  • Do you run the water while soaping up in the shower?

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  • Yes. I don't take wildly long showers, so the conservation isn't really worth the convenience of being able to step in/out of warm water at will.

  • What is a good second career?

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  • It's the Blended Retirement System and it is a blend of a pension and an employer-sponsored retirement account. In the BRS service members went from 2.5% per year of service to 2% and gained a 5% match to their Thrift Savings Plan. So a member retiring at 20 years in the BRS would receive 40% of their base pay as pension vs 50% under the traditional military retirement system.

  • Is this like the lemmy version of askreddit?

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  • Yes

  • Suggestion for Business Podcast?

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  • There's a real estate bias, but I'm a fan of the Bigger Pockets family of podcasts.

  • 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.

  • What animals do you dislike for unusual reasons and why?

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  • There's that one guy that HATES sunfish.