I would add Leonardo Dicaprio.

Yer mom doesn't seem to mind.

I definitely agree with you on this! Me too.

Hello commentor! In order to encourage our users to participate constructively we have added a tiered system for participation!

If you want to use the letter "i" on this subreddit you need to first get 500 updoots on your comments here!

We are confident that this new change will ensure everyone makes comments that other people like and with this completely removing bad behaviour! Thank you, have a nice day and happy updoot chasing!

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

There's a lot wrong with this. But it sounds like your husband sees it and is trying to shut it down. Good for you!

Thank you :)

[removed]

I know. It was intended to be a lighthearted comment, even though I meant it.

As a kid, some bullies tied me to a tree in the woods, put kindling around my feet, and started throwing matches at the twigs. I really thought they were going to burn me to death.

I started screaming, my neighbor heard, and came out and scared them away and freed me. But I've never been more scared in my life.

You are doing well. You have way more of a handle than I did at your age. I just threw darts while trying to figure it out. Of course, the internet was just beginning

Do not worry about the layoffs. Layoffs go in a streak. In one or two years(tops), there will be no layoffs for another decade and it will only be hiring. 2009 to 2021, companies hired like mad, now it is time to pay the piper. By the start of 2024, I am willing to wager hiring begins again.

IMHO, when young you need to worry about surviving first.

Contributing anything to retirement is better than nothing. But contributing the max to retirement could mean living hand to mouth. I realize you are not contributing the max, but it is a good chunk. None of us know then the time clock ends. Life is meant to be lived.

I say cutback on the ROTH 401k contributions, maybe to 8%. If you like the 12%, then go for it.

For me, my goal was to always lessen my debt. Not sure what your rate is on student loans, but since I have seen some with 11.25%, ouch. As I recall, my student loans were at 8%. We paid our student loans in full. My loans were not in the 5 integers though.

I always figured if I lowered my debt, I could allocate the money to build wealth. I own mutual funds, dividend reinvestment plans, stocks, and iBONDS. Do not buy iBONDS.

Buy a ROTH IRA and put it into a mutual fund.

The RSUs are nice, but my advice is to keep 50% of them if you believe in the company and sell 50%. I speak from experience on losing out on a bundle of cash because my spouse told me I could no longer sell stuff because of the tax consequences. I was using the money for home improvements.

Fine. I sold none of it after that and watched it crash to -95% from the high when I cashed out. I lost $400,000 or so. After that I told my spouse I no longer accept advice from them.

The combination of walking out of subway and into a decent sandwich shop

[removed]

How can you hate the 15? You take that back.

There are decades where nothing happens; and there are weeks where decades happen

Lenin

Your life expectancy is not a precise number. You need to plan to be pretty old when you are waving your last dollar. You don’t want to save enough to get to 80 just to find you are good until 95.

The other factor to consider is the potential that the last few years of life can be insanely expensive. If you need help, it can easily cost $100k/yr today. There is no way to know if you need this care or for how long. Long term care insurance might offset this risk.

You also might not collect as much social security as you expect today. It is getting pretty likely that retirement age will be kicked further out. And Medicare may be a lot more expensive, as well. Both of these benefits are going to go under increased financial pressure.

My personal approach is to some day pay off my mortgage and use my home as a store of value to handle a major life change like assisted living.

In other words, you probably want to save enough to cover your expenses in retirement, maybe add a bit to give you flexibility for things like vacations, and have an extra pile to handle massive end of life expenses.

You are right

Also, the US has a large base or two in Jordan. They aren't talked about much but they are there.

The chapter where I overcame my fears and pursued my dreams.

At 1mg lsd and 90ish mg dmt, i would say the lsd was more pleasant, and I've never broke through with dmt but i did learn about myself, whereas with lsd i felt like i learned more about the world.

Xenophobic self-hating subhumans are ruining any chance of progress for humanity.

Out them, don't help them hide.

Yeah I wouldn't knock someone for wearing one that's for sure haha. My opinion is just for my personal fashion

We don't and likely we won't know.

Unless perhaps someone internal checks and leaks important missing details that later on...

But for now, it does seem robust enough to be reflective of what they have probably been using up to some recent - but that's still just speculation

[deleted]

As a BROKIE Instacart shopper I almost never get any of that trash for customers. That’s my DD.

Eh, IMO it's more than hand wavy conspiracy theory claims. People who work in certain sectors are presented with paths. And Google has chosen a path. We'll see what comes of it.