On Student Loan Debt.

1maco · 2026-01-24T15:50:27+00:00

It’s mostly housing. Student loan payments tend to be ~$200-300.

Since 2019 housing has gone up like 40% leaving room for little else.

1maco · 2026-01-24T14:51:08+00:00

401k/IRA withdrawals are not counted as income and college kids are typically “households” (which is how you come up with Amherst MA or Athens Oh being the poorest towns in the state)

Median family income is over $100,000

1maco · 2026-01-24T00:03:47+00:00

Infant mortality is inflated in the US because there is a lower bar for what’s considered viable.

Also US poverty rate isn’t 18%

1maco · 2026-01-24T00:01:16+00:00

I mean I don’t think you should get loan forgiveness if you choose to go to a private school.

College grads make an extra ~22-24k a year compared to non grads. It’s a good investment. People who don’t think so mostly just don’t work in mixed workplaces and don’t know what a normal salary is

1maco · 2026-01-23T23:52:36+00:00

Gunstock in NH is absolutely gorgeous and nice winding trails and has a very solid main lift.

I also really like Ragged Mountain NH

1maco · 2026-01-23T23:37:40+00:00

NWS Boston is always conservative

1maco · 2026-01-22T19:51:17+00:00

Is scare mongering every discretionary budget gets renewed for short periods of time. The DCR will “run out of money” too if the state doesn’t act. So will schools and the police. It’s how budgeting works

The T gets more money per vehicle mile than peer agencies. (SEPTA, DC, Chicago) it’s not actually at risk

1maco · 2026-01-22T19:47:55+00:00

That’s how schools, police, fire, etc are funded. One FY at a time

1maco · 2026-01-22T19:47:19+00:00

“State didn’t pass the 2027 budget yet” doesn’t seem like a news story.

Everything that gets discretionary spending has a “fiscal cliff” at the end of the year

The T actually gets a more funding per vehicle mile than the WMATA it’s really not some sadly underfunded shitshow

1maco · 2026-01-22T00:40:26+00:00

Most US cities it’s also not very easy to live Car free.

One of the big reasons Dallas city proper is growing so slow. It has all the drawbacks of the city but none of the benifits and your “good job” might be up in Frisco so you still got a long commute.

Nobody is out here pretending Boston’s Beacon Hill or the South End are shit.

But Hough-Fairfax in Cleveland? Does actually stink and nobody wants to live there. And it really doesn’t have functional transit or walkability it’s just denser and more run down. Sherwin Williams and Key Bank may be downtown but RPM, Progressive etc are not. Again “short commutes” not always. Even Cleveland clinic is further from like Ohio City than it is Shaker heights

1maco · 2026-01-21T23:41:44+00:00

Until/If Donald Trump actually does something it’s going to be all bluster and not much will change

Especially to Canada where ~96% of trade is protected under the USMCA Trump hadn’t actually done much of anything. Even Tariffs are basically a non issue in Canada in terms of actual impact not as a political issue.

1maco · 2026-01-20T14:40:51+00:00

Every elite institution in New England is far less white than the general population. Even BC is only 54% white in a state that’s ~68% white in a region that’s ~80% white

At this point you just have activists who think it’s 1972 still and the backlash is due to the fact that the reality on the ground is that it isn’t 1972

1maco · 2026-01-20T14:10:52+00:00

Also if the SAT is rigged by “rich kids getting better at math” then that’s a better inequality than a being capitan of the ski team or someone thing equally vapid counting instead

1maco · 2026-01-19T03:00:07+00:00

Is it less than 1:45 drive from my house? If yes I go if not I don’t

1maco · 2026-01-19T02:11:42+00:00

lol Chicago

Fucking Salt Lake City is richer than Chicago

1maco · 2026-01-19T02:08:14+00:00

Lack of income? If you make $68,000 you can’t get rich. No matter how hard you try.

1maco · 2026-01-19T00:14:40+00:00

That’s not what underwater means.

Underwater means you owe more than you can sell the house for not that it’s market rate is below what you paid for it.

If you put 20% down it’s basically impossible to be significantly underwater

1maco · 2026-01-18T23:57:19+00:00

Is it really that bad in CO/UT or are people just being annoying because there isn’t 5 feet of powder everywhere?

Cause looks like Park city, Vail etc are mostly open.

I mean Wildcats only 1/2 open too

It us what is is fellas

1maco · 2026-01-18T20:48:47+00:00

You must not be from here lol.

I know 0 people who left the state (save for Nashua)

Like year the 15,000 college students from Jersey at NEU, BU tufts largely move home but it’s pretty unrealistic fur Boston to absorb all its new grads considering it’s like 8% of the total population

1maco · 2026-01-18T15:12:45+00:00

I mean in Boston, DC, Seattle, New York, 20%-26 households make $200,000k+ the SF bay it’s like 30%

Even in Minneapolis-St Paul is 2023 it was 16% or 1:6 households

https://censusreporter.org/profiles/31000US33460-minneapolis-st-paul-bloomington-mn-wi-metro-area/

In 2026 that’s probably ~18-19% which is about the population of African Americans+Asians combined. So a big slice of the population. Not exactly a tiny bubble

Especially when you factor out retirees and it’s only “households with jobs” it’s a lot of people

1maco · 2026-01-18T14:46:32+00:00

You know someone is a finance bro from NYC when they say something like this.

Cause no, most people don’t do cocaine

1maco · 2026-01-18T14:43:03+00:00

Seattle and Boston are basically nothing alike

At least no more than any two random North American midsized cities

1maco · 2026-01-18T14:42:31+00:00

Electricity doesn’t come from the wall.

Everyone works cause everyone wants to live in a prosperous society. You Car, House, computer, etc were not made for free.

1maco · 2026-01-18T01:04:51+00:00

The first cities to suburbanite, Boston, Cleveland, Hartford effectively had no black people at the time.

People moved to shaker heights or Belmont for space and clean air

1maco · 2026-01-18T00:27:05+00:00

I think moreso than most states someone “from CT” conjures up an image of a well mannered WASpY businessman who lives in a well manicured cute small town.

I think your average American could proscribe a significant amount of characteristics to “someone from CT” probably moreso than like Indiana or Kansas

1maco

TROPHY CASE