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Joined 1 year ago
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Cake day: June 12th, 2023

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  • 50k and paying 15k, because that person is living within their means. They probably share a shitty apartment with roommates and have a crappy car, but they can sustain their lifestyle. Eventually they will retire with investments covering the exact same income that they have now.

    100k paying 50k is a hot shot, a flash in the pan. They have a higher quality of life right now, but they will likely crash and burn. They cannot live and invest enough money to sustain their lifestyle, and they won’t know what to do when they suddenly have to live on half of what they used to make.

    Making more money does not mean you have better finances, it usually just means you own more expensive stuff right now.

    Edit: the one exception is the 100k paying 50k and then living like the 50k paying 15k for literally everything else. They are not the norm, but those people will probably be ok. They’ll have to move when they retire though, or have like no paid fun ever.



  • 30% is widely considered to be the most you should pay for a living space in order to live a sustainable lifestyle and retire comfortably. It even says in the article that they consider anyone that has to pay more than that to be “cost burdened”.

    It usually breaks down somewhere around 30% on housing, 20% on necessary bills, 30% on wants / unnecessary bills, and 20% on retirement investments / savings.

    The fact that nearly half of renters cannot do that is the problem that they are trying to highlight, but it doesn’t offer much of a solution. These people will not be able to retire without public assistance (if they can at all), and will likely run into serious struggles long before then.



  • I mean… Yea. Yea it is. They want to:

    1. Fill the thing with ads
    2. Control the entire user experience
    3. Track everything you do in that experience
    4. Prevent users from accessing any low level system changes
    5. Fill the thing with ads

    They’re not even being subtle about it:

    “The Copilot is like the Start button,” Nadella explains. “It becomes the orchestrator of all your app experiences. So for example, I just go there and express my intent and it either navigates me to an application or it brings the application to the Copilot, so it helps me learn, query and create — and completely changes, I think, the user habits.”












  • That is… Not quite the same as I thought whenever I read that word. Around here, a co-op is a collective purchasing program or a store that participates in a similar program. They buy foods in bulk at wholesale prices. By bulk, I don’t mean the family size bags available at a membership club like Costco. I mean like a 100lb bag of flour meant for a restaurant or an entire pallet of something.

    A group of people get together and make note of what they want to buy, and if enough people want the same item it gets purchased. Then they all meet up on delivery day and split the item at the amounts they paid for.

    I’m assuming that is very different than what you are describing.




  • Donald trump was never elected by the people in the first place, and he abused a ridiculous system created to fluff up the power of states with comparatively few people living in them. When that didn’t work the second time around, he started a misinformation campaign and flat out attempted to undermine the democracy our nation is built upon in multiple ways.

    Including him in your comment destroys your otherwise excellent point, because the Donald is exactly the type of person that would abuse this system to censor information he didn’t like.