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Joined 1 year ago
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Cake day: June 20th, 2023

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  • There is not a hard and fast rule for how big your emergency fund should be but there are definitely a lot of folks in the personal finance community who have at least 6 months in some type of readily available account that’s not tied up in 401k or other investment funds which have early withdrawal penalties.

    How much you save comes down to the individuals ability to do so and how much risk they are at if they were to suddenly lose a source of steady income and how much debt they currently have. For people with a lot of ongoing expenses, it’d be smart to try and pad up some safety net so they don’t have their life completely fall apart if they somehow lost their job. This also might vary if you are single income or multiple streams for the household.

    6 months is probably on the higher side since there’s the opportunity cost of not investing surplus money somewhere that could have a higher rate of returns. Usually money that is in emergency funds have lower interest rates as a tradeoff. And if you have upwards of 4 months or more, you can use that time to draw from other accounts for more money if you see that the emergency fund isn’t enough.


  • It's poor UI but also I think it's a sign that the userbase has been coddled too much with things like this. Even Google adding the search bar widget to their homescreen of Android is kind of an illusion since it doesn't need to be shaped that way. But an entire generation has been programmed to type into a little empty field with a search button that they don't think of alternatives anymore.

    Windows 8 thru 11 are trying to add sleeker and more intuitive interface skins to be more usable for the masses but the underlying OS is still the same. Accessing additional options that a legacy Windows user uses all the time just takes you back to the old menus. It feels so lazy that each major windows iteration feels like a new skin on top of windows xp/2000 because not much really has changed since then other than the bloat and a few cute features that could've been done with a 3rd party app.

    Obviously being a little reductive here but with how windows 11 looks, I would've imagined it being actually different. But as soon as I right click something and view more options, it's clear it's still the same stuff once the old right click menu pops up from underneath.


  • It was pretty popular into the early 2000s as well as far as I’m concerned. Just not in media as much.

    Options for word choices have diminished and aren’t as edgy, but I still see men call each other cupcakes and removed in lieu of using more classical words.

    Edit: Guess there’s some pretty strong word filters here. It was the b-word in case anyone was wondering. Feel like I’m in elementary school…


  • This is just a personal opinion but I suspect the trend is not linear. There will be a surge in acceptance and then possibly a calm in popularity. Social pressures aside, I feel there may be some portion of the world that is bi/pan but not in numbers so large that it would be a huge shift in current status quos. We’re also at a time when mental health is seeing an identity crisis and we’re trying to label every quirk. Gender identity almost seems like part of a shotgun approach to try and fix other issues.

    I do not want to sound like I’m downplaying the importance of sexual orientation and gender identity, but there’s just so much going on socially with how fast we’re moving as a culture with the Internet that it’s hard to predict what is real and what is trendy.

    Of course I could be entirely wrong.