You may not be able to properly let dollar cost averaging do its thing if you rely on your job to invest, since there's a high correlation between periods where people are out of work and periods where asset prices are lower.
Even in the worst part of the great depression 75% of the people had a job. Most years where much better.
Don't get me wrong, if you don't have a job things are bad. If you have a job but it isn't giving good raises, or it is a worse job than you are qualified for things are bad. However things are not hopeless for the majority of people even when things are really bad, and you can get through it.
I like to read human comments because I'd like to know what my fellow humans think. I'd prefer not to read low-effort, throw away comments, but other than that I want to know what people think about different topics.
I read HN both because I want to read what humans think, and because I want to read insightful discussion.
The tension is that as insightful discussion becomes easier/better with LLMs, there is less need to read HN. All I'm left with is provenance: reading because a human wrote it, not because it is uniquely insightful.
Some seem to think that math is somehow above plumbing, but modern society couldn't exist without both, and I'd argue that modern plumbing is more critical to our health and well being than modern math.
I'm absolutely going hunting for some nearby payphones this weekend!
In the recording on this one [1] the caller states that the payphone is on the caltrain station platform, but on the map it's about 1000 feet from there. Searching the address on google maps correctly shows it at the station, though.
As a man who's never wanted kids, and is now getting to an age where it probably wouldn't be a good idea, those weren't really the big factors for me.
Having a kid is just an unfathomably large commitment. If you bring a kid into the world, I believe you're responsible for creating the conditions where that kid can grow into a healthy, well adjusted adult, and that's seemed like an increasingly impossible commitment for the past few decades.
It's not that hard. Sorry you missed out on a wonderful thing.
You are not responsible for the world or its conditions. You just have to support the kid and be a good role model, that is 95% of the job.
You're definitely responsible for the environment you bring a kid into. It doesn't matter what is going on in the world. You're the parent and ultimately you're responsible for the environment where you raise your children. You're responsible for having the right resources to raise them trauma-free. Did you...not realize this when you made kids?
The 30 year fixed mortgage is an insanely good deal, and I say this as a guy who has one. The monthly cost can only stay the same (and decline due to inflation) or decline if interest rates fall and you refinance or adjust the loan. If interest rates go up, you're completely protected.
A mortgage may be more than rent for a similar place now, but I suspect it won't be that many years before the lines cross.
The shoppers at costco vary drastically by location. If you have more than one warehouse reasonably close by, it may be worth your while to try them all.
Dollar General and their ilk are behemoths compared to the shops that might have served these areas before they rolled in. It's possible they're the only game in town because they engaged in dumping or other dirty/illegal tactics to drive out established businesses.
I'm not an expert on the topic, but I don't think it's a reach to think that they might have engineered this situation.
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