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.

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.

If you think Harris wouldn’t have been better you’re grossly ignorant, not that I even set out to answer your question because frankly I don’t care about you.

You didn’t even answer OPs question. You answered a different question they didn’t ask because you don’t have a good answer to their question.

If you want an echo chamber go back to scrolling hexbear on your main.

If people are defederated from or blocking hexbear people, it’s for a reason. You don’t need to regurgitate their talking points on your dbzer0 alt because people aren’t seeing the posts from your hexbear main.

Uh oh you triggered the hexbear tankies.

I thought they lost their domain. It was blissfully quiet when they were gone.

Is that the plan to turn the area into a golf course?

Eating, preparing, or inserting? The answer is yes.