Congrats! I would say don’t sleep on the stock market, especially now since a dip/cliff is really the best time to invest to get a good return, but you shouldn’t touch it for at least a decade. Generally over a ten year period the market will give you a rate of return better than a HYSA but may be better or worse across short periods of time.

If there is some kind of economic collapse that happens, it’s going to affect a lot more than the stock market. Even regular bank accounts will be affected and if your bank doesn’t shut down your US currency may be worth nothing. Especially if they get rid of the FDIC like Trump and Musk want.

It’s good to have 3 months to a year of expenses saved in an HYSA to start with as a rainy day fund you can use in an emergency (i.e. lose your job/house, etc.). I think there are some studies that a huge portion of the population doesn’t have savings to cover even a surprise $1000 expense.

That’s more important than putting money in the stock market to start with but after you have that you can put your savings into an IRA or something preferably in a diversified fund. (Vanguard has a few tgat are specifically targeted for retirement at particular years).

That’s because the real term is gas-lamping, not gas-lighting. The term was invented around the Victorian period where the primary source of lighting were gas-lamps.

What if it’s “the perp is a 5’4” female heading west"?

Honestly, a handsome specimen of the Ferengi species. I hear he was even the Grand Nagus briefly. And look at those lobes.

It’s still basically most people’s only hope for retirement. And represents a large portion of the compensation they are literally working for day after day.

I mean, anyone with a 401K is in the stock market.

There’s not really a way to change that. Lemmy is built by tankies. Until someone maintains a viable fork there’s not much you can do. Arguing with them isn’t going to change anything.

Honestly don’t care as long as I don’t have to see their bs. They can scream into the void for all I care.

My cat is thankfully very chill during nail trimming. And she only has three legs so I only have 75% of the work.

Eat the rich.

I agree. But at least she knows she’s ignorant and isn’t Dunning Kruger-ing it like everyone else.

1. Get a passion that isn’t work.
2. I have the opposite problem. I for some reason refuse to use AI. I worry that I’m becoming one of those tech dinosaurs that refuses to learn something new because it isn’t what they’re used to (but I’m only 36). I am opposed to using AI for many reasons but I’m also slightly worried this will harm my job prospects in the future if I ever have to find a new job.

My wife is also a wooden mannequin.

I think a lot of men are just satisfied staying home playing their video game of choice while wanking it or using online apps for hookups.

Dating is a lot of work.

When your knowledge of the constitution is based on vibes.

Fine let’s provide that united front next time Democrats put out a candidate that doesn’t check all the boxes. Even if it’s Harris running again.

Because they are long, spammy, all say the same thing (poorly formulated nonsense), but mostly because they are long and I wouldn’t be able to capture a screencap of their brigading if I expanded them all.

Hexbear has communities specifically designed to organize brigading of threads. We create posts to mock them in private and don’t engage in brigading.

But also who fucking cares?

I think you’ll find most of us fucking care. Because many of us have our fucking rights at fucking risk because some idiots decided Harris didn’t pass their fucking purity test so now we’re stuck with the fucking orange fuhrer.

There are people in my community I’ve had to talk down from committing suicide just yesterday due to the state our country is in because of policies that wouldn’t be in place if Harris had won.

You’re an idiot if you think Harris would have been worse for Palestine than Trump. The only knowledge I need is that my democracy won’t be put at risk by fucking leftist tankies who don’t have two braincells to rub together to differentiate between comparative outcomes.

You think your “bOtH SiDeS bAd” takes are so enlightened but you’re the problem bub.

One thing I’m confused about is I’m pretty sure I have hexbear.net instance blocked. I would think this should block all comments from hexbear NPCs also. Not sure why it isn’t.