Don’t forget the all powerful proverb:
“Treat Yoself!”
- Tom & Donna
Like, right now with $200 worth of gummy bears?
Or like later, like retirement and a roth IRA?
Yes
If you think you’re IRA is going to be worth a shit in +30? years…
Well I’d rather try and find out it’s useless than never try and realize at 65 that I should have done it.
The “nothing will matter cause the world is going to end” crowd is usually wrong, regardless of what side their reasoning comes from.
Check out moneybags over here retiring at 65.
Jokes on you I’ll never be able to retire.
Probably shouldn’t live like that’s the case though, or I definitely won’t be able to.
Might wanna look up fees their going to charge you when you withdraw that money… Even after your past retirement age. You’re just making the rich richer but I’ll probably eat my words when we’re both 65. Atleast for humanity I hope I eat my words.
The smartest thing any person can do is make their best informed decision with the information they have now. Not with speculative catastrophizing of a future that will keep marching on with or without you.
Because it will, despite all the doomerism in the world lol. And take this from someone who thinks the stock market is just a money generation machine for the rich that plays with made up magic in order to subsidize workers retirements only possible through unsustainable growth based gdp. It’s what makes compound interest even work lol.
The peons don’t like the idea of being paid so little they can’t save up for retirement without magically generating money from hoarding scraps. Heads would be literally rolling daily and worker rights and pay would be enshrined in every first world.
There’s an old borscht belt joke about insurance - “What if something terrible happens, and you don’t die?”
My wife likes to joke when I’m in an anxiety spiral by saying “okay well on the off chance that society doesn’t crumble maybe you should plan for the future”. For some reason that always makes me laugh. If it does it does, but it’s probably best to have a plan still.
And reasonable budgeting can let you enjoy the now while also planning for the future
I’m 40.
In my late 20s where YOLO got popular, I knew people who followed that lifestyle.
Many of them are still in a hole, still working min wage jobs and chasing after whatever fad.
It’s very sad.
The whole YOLO thing never made any sense to me. If you believe in reincarnation or an afterlife, then you have every excuse to risk your life doing whatever you want. There’s usually some kinds of moralistic restrictions, but except in the most extreme religious fundamentalist societies, I suspect wingsuiting on weekends is fair game. If you’re going to live forever no matter what you do, why not?
On the other hand, if you only live once - if you’re one and done - that seems like a demotivation to risk your life before you’re actually done with it.
You only live once, so be safe.
I never knew soup told jokes!
I guess it’s a fluid interpretation.
impulse bought a 3D printer over the weekend then returned it today unopened
reSpOnSibUl
Why? 3d printing is so fulfilling.
fulfilling
Also infilling.
I can respect that. But also- set aside money on a regular basis (cash in an envelope for the physical reality or in a budgeting app) until you have enough to get one. And then splurge on that or something else you want more by then!
Oh no! Please get one soon. Making stuff is important.
Both alternating
When you are low on funds versus when you just get paid.
My general approach to this tends to be to identify what makes me happy in life, splurge on those, save on everything else. For example, I love computers, so I’d splurge on parts, but religiously meal prep to save on food.
A tab of LSD is just about 5 bucks and one of my best experiences and fondest memories.
That’s more like a try once or twice with people you trust than let’s do that shit every weekend sort of drug. Or am I wrong?
It depends on you. Some people get therapeutic benefit from regular psychedelic experiences, and never stop. Other people gain life-changing insights from one or several trips. Still others use/abuse it purely for fun, with a range of consequences resulting. A minority of people have adverse reactions where latent mental illnesses like schizophrenia can be triggered.
I’m in the second camp. A couple quotes that I relate to: “Once you get the message, hang up the phone” – Alan Watts. “Never point [psychedelics] at anything you don’t want perforated with new light”-- Terence McKenna.
I’m in the fourth camp 😭
latent mental illnesses like schizophrenia can be triggered.
I’m sorry that happened to you, and I hope you are doing well.
Thank you, the good news is I’ve never touched drugs at all, because I already know that it would send me into psychosis because I have predisposition to such problems, family history and delicate psychological condition.
So everything I do is intentionally extremely healthy and my life is very boring and I can’t do anything fun but that’s my life.
You’re wrong
Really good mushrooms can be equally cheap. They’re so much stronger than back in the day, 1g could be equal to 100mcg of LSD. Not to mention cultivating them is relatively easy as far as these sorts of things go.
I do ketamine infusion therapy as well. It’s a massive injection that is consistent and constant for about 90 minutes. It is one of the WILDEST experiences people can have, up there with DMT or DPT but instead of all of reality melting digitally disintegrating dripping all around you it’s much more like the classic description of a near death experience/OBE.
But it is very important to have a the prerequisite knowledge and the right intentions for first time psychedelic users. There’s a reason some of the greatest villains of history used these drugs to try to control human behavior and we don’t know the extent to which they were successful nor what they still do. I’m very suspicious of the predominant culture around psychedelic drugs, it’s just another example of colonial cultural appropriation and assimilation. The psychedelic experience is something that can be incredibly profound and powerful, but it can also fuck you up pretty good. These chemicals, the plants they come from, and the cultures that have been using them for hundreds to thousands of years demand a lot of respect. If you don’t respect them, you will quickly learn to.
but instead of all of reality melting digitally disintegrating dripping all around you it’s much more like the classic description of a near death experience/OBE.
That description doesn’t match my DMT experiences at all; at threshold doses I’m always somewhere else completely, the world doesn’t disintegrate around me, I go somewhere else entirely with no relation to my previous environment and I go there in seconds at most, it’s almost instantaneous. And what’s on the other side is indeed sometimes close to the classic description of NDEs.
Meh, LSD is for kids.
Try 3-HO-PCP & 5-MEO-DMT
I’ve been interested in psychedelics, but I’m scared I’ll open a Pandora’s box and then it’ll be everyone’s problem. What’s it like?
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Ya exactly. The idea that fun should come at the expense of giving yourself a safety net is hogwash. I spent the first 25 years of my life living in poverty. The difference between people who stay in poverty and the people who leave is knowing that a stable foundation is more important than anything else in life
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The way I do it I have a safety net but yolo on the credit card for vacations and fun stuff. Then have to budget later to fix it all haha
Here is an alternative Piped link(s):
https://piped.video/z5Otla5157c
Piped is a privacy-respecting open-source alternative frontend to YouTube.
I’m open-source; check me out at GitHub.
They should hold hands and talk about it.
Team red
My life writ large.
secret third option
Money=/=Life
lmao
Here’s my problem. The boat is an “only live once” purchase though.
Save 15-25% of your income for retirement and future expenses, then spend the rest on whatever you want.
Spend 60% of your income on rent, then spend the rest on various other necessities and have nothing left over to save.
Welcome to modern Western society.
Excuse me sir, where is the crippling debt from not being able to afford any slight inconvenience?
Unfortunately. I can’t hit it either, trying my best.
pay people enough to be able to first
Yes.
How do people not think of that, putting a quarter of your income away monthly, so obvious, I wonder why they don’t do it
Also a “retirement” implies a functioning biosphere in which to retire, fat chance.
I don’t think its easy, or reasonable. Part of my point is specifically that it’s unattainable for most.
Ah, fair enough.
if i saved that high of a percentage i would not be able to heat house and eat
Yep, I can’t make it myself either. I just shoot for it when I can.
gripping experiences such as: not being homeless, not starving
