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Joined 1 year ago
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Cake day: July 2nd, 2023

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  • Yep. My wife and I are in our thirties and have good whole life insurance policies that will supplement our retirement accounts nicely in our old age. I’ve been paying into mine for almost two decades (maybe longer, my parents started it for me and locked in good rates when I was young), my wife’s is newer. We also both have matching retirement accounts and are making sure we hit our matching totals each paycheck to draw as much from our employers as we can.

    It’s not ideal, but with good planning (and stable income) you can still do well. Now, stable income is the important part. I’m a software developer, my wife works for a non-profit, so my income is generally a bit more stable than hers.

    I recommend finding a financial advisor. Our life insurance guy is great and because he gets commission on the life insurance plans he doesn’t charge us for advisory services (and also doesn’t try to sell us on other stuff, he actually recommended we NOT move our old 401ks from other jobs over to him because we’d end up paying him more than we’d make, he recommended we roll them into our current employer plans).







  • It is but no educated person qualifies themselves by that name as it means nothing.

    People seek to label themselves in the most accurate category not the broadest one.

    I’m not sure that’s true. If you ask someone what they do for a living and they say, “I’m a doctor,” you don’t say, “I doubt it. A real doctor would say, ‘I’m a cardiovascular surgeon,’ or ‘I’m a pediatrician.’” We adjust our labels for our audience.

    I wouldn’t be surprised to find a biologist or a climatologist who might just say, “I’m a scientist” to a broad audience. Not that they couldn’t use the more accurate label, just that they don’t necessarily have to.



  • The way I handle this is to parse them differently. They mean the same thing, but “I couldn’t care less” is sincere and “I could care less” is sarcastic.

    Sort of like, “I suppose it’s possible that I could care less about that” reduced to the phrase.

    Because both phrases obviously communicate the same meaning, a lack of care, the issue for me isn’t in the understanding but in the parsing. So I had to come up with a way to parse it as sarcasm so it doesn’t bother me.

    Like when someone says, “I’ll try and be there” my brain, mildly traumatized by really good English teachers in my youth, screams, “YOU’LL TRY TO BE THERE.” But lately I’ve been making an effort to interpret the “and <verb>” following “try” as an alternate form of the infinitive, since it’s so readily accepted and common in spoken English. We already construct other verbs that way anyway (eg. “I’ll go and do that”).

    I…might have a touch of the ‘tism. It wouldn’t surprise me. 😅






  • On the other hand, road bikers are fucking annoying, stay in your goddamn lane and stop slowing down traffic. I’m not reading your dumb hand signals, either!

    I sometimes road bike. If there’s a bike lane I’ll stay in it. But I am entitled to a lane if there isn’t a bike lane, so on a four-lane road with no bike lane I will not go to the shoulder, I will ride in the center of the right lane to maximize my visibility. It’s infuriating how many dickhole drivers give me like a quarter of the lane when they pass me unless I take the center of the lane.

    (It is legal for me to ride on the sidewalk in my county, but I cannot maintain my preferred 40kph (25mph) on a sidewalk. Too bumpy, and too many pedestrians. It is also legal for me to ride on the road.)

    Hand signals aren’t hard. There are, as far as I know, three important ones. Arm straight out means I’m turning that direction. Arm bent up means I’m turning the opposite direction. Arm bent down means I’m stopping, though my bike has brake lights so I don’t usually use this one.