Please dont be that edgy it hurts, I have taken home a girl or two back in my going out days. The last one that I’ve bought a house and made kids with. While I had fun I’m glad I don’t need to deal with that anymore, particularly in this decade as it was abit more relaxed when I did it.

What you seem to be missing in your simplicity is that the whole post is about young males scared about making a move, mentioning plausible deniability, wishing women were more clear, and needing more than a hint to take a risk these days. The person I replied to made an asinine comment dismissing all these concerns, and you ran with it thinking it was smart, and triple down.

Pretty high, until someone from IDF finds them and shoots them

No they are just psychopaths.

So if she accepts, it means she understands and is 100% dtf to you? Boy I have bad news…

Does that express your intent and desires clearly though?

“How about we finish this drink and we go to my place to fuck?”

Works 100% of the times, everyone should try it and stop it with the immature waste of time that is flirting /s

This part made me think you were saying that was an investment, sorry I misunderstood

So my bank is giving me money each month for doing nothing really

Texanistan

ITT a breath of fresh air. I am not alone in having an interest in personal finance, and understanding the basics of it.

Most of my interactions on lemmy so far have been making me feel guilty (and downvoted) for saving some money like I was a dirty billionaire, and to invest in index funds, using capital to further oppress the masses.

Ah the person that complains they had to tap into their investments because you need to periodically get a new bed and redo your deck and can’t save money. Yes I got downvoted for providing basic personal finance recommendations there!

I think the problem is a combination of the things you mention, and the fact that society is just normalising stupid spending, waste of resources and spending everything you earn, if not more.

When on reddit, I was active on personal finance subs. The amount of people asking for suggestions on how to improve their budget that didn’t see anything wrong with 10-12 subscriptions for shows and music, on top of astronomic phone bills, eating out etc was crazy. At least they took the first step, wrote down their expenses, and were asking for help. The bed/deck guy was just pure madness.

How long is a piece of string?

Depends on how much you earn, what are your expenses, and how much you have saved already.

You are barely keeping up with inflation, don’t think that’s an investment. That said, you are doing the right thing, keep that money available if needed.

Everything on top of 6 months expenses, you should invest in something less liquid that on the long term yields decent returns.

You seem to be in a very unique situation. And to have a pretty good understanding of personal finance and of your risk appetite. What you say works for you and a few people that happen to have access to universal healthcare, what looks like four separate insurance policies, and that can manage not to fuck it up with credit cards.

6 months liquid emergency fund remains the best strategy for most people out there.

Would certainly suck if those six months worth of emergency fund had temporarily gone down to four months because of a downturn in the stock market though.

Accidentally there might also be some correlation with stock markets going down, and an emergency happening. Eg large company laying staff off.

That said you can do the math and see how much that money would return on average on etfs compared to a bank account, and decide if that’s worth the risk to you.

Experts say no, I agree with them but I see your point, and it’s definitely worth to challenge these suggestions.

You are right, but you are going against the narrative of to this post, hence all the downvotes from the angry mob.

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Really hard to play ball. Really is this the best defence for manicured lawns?

And the fucking noise from lawnmowers and whipper snippers all day long.

I’d like to relax and read a book outside, on my messy lawn but all my neighbours do is come outside, make noise for a couple of hours and once they have a ‘perfect’ lawn they fucking go back inside.

Get more native plants. Take rid of dogs. Get chickens.

Celsius.

And the other one is spelled wrong too I believe, though that one doesn’t really matter.