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Joined 2 years ago
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Cake day: June 14th, 2023

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  • Ideally, everyone would be in a position to break into the lowest strata of the capital class by the time they reach retirement age and can no longer work. For most people, that translates into a, IRA or 401k built over decades of years working, assets like a house appreciating in value (so that you can borrow against that increased value), and perhaps a pension or some other form of investment that yields dividends.

    Even then. I’d argue that if you retire knowing that if you live within your means, your funds will last you for 20 years, you’re not actually in the capital class. It doesn’t matter for most people, because few people expect to be able to live for that long past retirement and they can always adjust their spending habits to push the number out a bit farther if it looks like they will outlive their retirement savings. But that’s just it, it’s more like a savings and not endlessly accumulating more and more wealth. For the true capital class, their money passively grows and generates more wealth faster than they can spend it.









  • Jesus fucking christ, that’s incredible. I don’t know what any of that software engineering stuff is, but based on your description of events, it just sounds like a waking nightmare.

    If it makes you feel better, companies like that where upper management are quick to throw people under the bus for their own fuck ups are usually not long for this world. They’ll continue to make bad decisions and the effects will be felt both downstream with low employee morale and retention rates, as well as commercial loss for the company. You are much better off being valued for your work elsewhere.


  • Call me crazy, but maybe I’m uncomfortable associating an entire ethnic group with words written in a book over two millenia ago. Times change, and society changes along with it.

    I don’t know a single person who follows the bible/torah/quran as an absolutist. Everyone from every religion and every sect likes to pick and choose what they like to follow.

    If someone is committing an act of genocide against another people, I can guarantee they were going to do it regardless of what their silly book says about it.


  • I have way too many of these and have lost count over time. Porn/porn games, old flash games/animations from Newgrounds, classic memes that only I seem to remember, stuff I saw for sale once upon a time that are sold out and can’t be found anywhere anymore, esoteric collectibles, comments I made on videos or posts literal decades ago, old websites long since defunct and so far lost that even wayback machine doesn’t have them on record, underground/indie music recordings that I definitely had at one point and then lost when switching hard drives out. The list definitely goes on but those are the ones off the top of my head.





  • Very true, however, 15k sitting in a bank account will be equally as worthless as a valueless security if the economy completely imploded.

    I’ve also noticed that the economy is pretty robust in it’s ability to weather storms that should theoretically cripple it. It would take an event so catastrophic that all sectors of business are heavily impacted. Barring all-out civil war, I can’t see that happening. Even a global pandemic saw certain businesses do better than ever - companies that made PPE, hand sanitizer and toilet paper mostly.


  • Coming from someone who wishes they invested earlier rather than shoving my savings away in a checking account - if you can’t think of something off the top of your head that you would need that money for in the next year or two, invest it in an index fund. It’s braindead easy, does not require you to manage it, and will steadily grow 6-10% each year which beats any high yield savings account by a fair bit. So you just set it and forget it and then maybe in 10 years you remember you invested 15k in VTI or VOO and now you have around 30k or more depending on how well the market did.

    There will be market booms and busts, and you might end up losing money in the short term, but as long as there is a functioning economy, the line will inevitably go up.

    I prefer index funds over bonds because you can always sell your position if you need a quick infusion of cash.

    Again, this is just if you don’t already have designs on how to spend the cash. If your bro gave it to you to enjoy it as you see fit, you shouldn’t feel obligated to save it. Do what you think is right for yourself.



  • I kind of wish that Chris Roberts would just take the hint and STFU about release dates for SQ42/SC. There were so many broken promises that any trust that they will hit targets is gone.

    I can at least say that, based purely off of what I’ve seen of their gameplay trailers, 2026 is a more realistic release date for Squadron 42 that any of the previous target dates were. The question isn’t if it’s going to be finished by then, it will be if they are going to release it in a playable state at that time.

    2027-2028 for Star Citizen is completely unrealistic. The game is nowhere near finished enough to consider that a date that will stick, even if you get all the people working on SQ42 to move over to SC after it eventually releases, the extra manpower can’t make up for the huge hole they’ve dug themselves into. They still have a years-long backlog of content to produce and show no sign of slowing down on offering new pledges. When they catch up with releasing all of the ships that people have paid money for and 10 years later still have nothing to show for it, then we can talk about release dates - ones that give enough time for proper bug fixing, polish, and gameplay balance. 2 or 3 years from now ain’t it.