ngdev

Not what out of pocket means, out of pocket means that you will be personally covering expenditures

e.g. "I broke the company monitor so I will be coming out of pocket to replace it"

Actually now that I think about it, your usage comes from the AAVE usage so it's valid. Whoops

It's just a massive time scale that it happens on, but yes that gives way to feeling like that. Read the first 2, put the last one down halfway through after it started shitting all over the first 2 books with a certain character's actions.

The second book has a really cool few pages that helped visualize what experiencing the 4th dimension could be like.

The series is more interesting for its concepts than it is for plot or any one character imo

/s

You sound like you have a lot of hate in your heart. I'll be praying for you 🙏

For all intents and purposes this comment triggered me

Loosing isn't the right word

Bad take, straight men can enjoy a good pegging. Also empathy is not a prerequisite for homosexuality. I wager empathy has nothing to do with sexuality nor is it any indicator of sexual preference.

This is just bullshit he's spewing to justify forcibly spawning more meat for the grinder, by hook or by crook. While I don't know if he's married to a woman, I highly doubt he'd think this would apply if his wife was raped and became pregnant as a result. Carrying a rape baby to term is for proles in the eyes of people like this

Absolutely! I grapple with that all the time. I love having fun and traveling and having cool stuff. It's fun having some money you're not afraid to spend.

You deserve it, you're the one who got yourself to where you're at. At the end of the day do what's right for you, just maybe spend a little bit less over the years and instead put it toward the end game.

As time goes on, sitting on ass collecting interest and being able to live off that interest comfortably will be awesome, and if you were able to live it up the whole time is priceless. Treat your now self and future self, but future self likely won't regret now self traveling etc. (so long as you're not doing illegal tax evasion and damaging your body long term lol)

Oh yeah and if you math it out over 30 years, 2% can be a difference in the hundreds of thousands

Yeah it's like 21.5k for 2024. They have yearly maximums on retirement accounts in the US, and that number is higher if you're past a certain age ("catch up"). IRAs are a lot less, like 7k this year

Congrats! Some unsolicited money advice I wish I had known earlier in my career:

If you have a mortgage and the interest rate is less than 7ish percent and you're wanting to pay it early, something to consider:

You might put whatever extra you were planning into a Roth IRA until it's maxed and also max out your 401k if your employment has that. Historical yield is 7ish% and compound interest will help you immensely 20-30 years down the line.

Paying off the house early is nice feeling but you can possibly refinance for lower rates later if it's currently similar to or higher than historical investment yields. You could also do a little bit of both but prioritizing retirement accounts is the smarter move imo. So if your mortgage rate is 5% and you want to pay that down, you're leaving 2% on the table by not putting it into either an IRA or an index fund instead.

This is assuming you're not carrying other debts at higher rates like credit cards, those should be your priority. Next would be 3 months of all bills saved up, you can find some decent interest rates on savings accounts. I have Acorns and it's at 5% so the 3 months reserves will stack interest for you too.

My friend's brother just died of heroin overdose a few weeks ago and I just couldn't help but feel for him. How many dark alleys did he have to go to to get his high? How many sketchy people were involved? Did he have access to clean needles? He overdosed alone, and likely felt subhuman due to being relegated to the fringes of society just to get his high.

Legalization would not have kept him from getting high, but it certainly would have enabled him access to clean drugs from a safe place, clean needles, and possibly made him viewed as someone who enjoyed getting high and not a piece of shit addict. He had a problem and it being illegal only made it worse for him.

Legalize it all. He was an adult, it's his body. He can do what he wants with it, it's nobody's place to tell anyone what you can or cannot consume. He loved getting high on heroin and I don't see a problem with that.