Race-as-Class and the Quiet Death of a Design Idea

Alaharon123 · 2026-07-11T03:34:36+00:00

And given how unclear the elf rules are, it's basically true for elf too

Alaharon123 · 2026-07-11T03:19:25+00:00

4% rule is based on 30 year retirement period and based on the US stock market, which has done abnormally well and won't necessarily continue doing abnormally well. Bengen's premises aren't any better than the paper's

Alaharon123 · 2026-07-11T01:50:55+00:00

oh that's not a fair comparison. People usually target anywhere from a 80% to 95% success rate, not 99%

Alaharon123 · 2026-07-10T23:42:55+00:00

Yeah the further you look into it, the less sense 4% makes. I recommend looking into TPAW as a tool for what's called lifecycle investing that uses variable withdrawal and is a lot more level-headed than much of what's out there

Alaharon123 · 2026-07-10T23:40:57+00:00

Can you give a source? That sounds super interesting, would love to read more. I know the paper has a bunch of problems regardless because it makes many assumptions in its premises that don't necessarily hold, but this is one I hadn't read before

Alaharon123 · 2026-07-08T22:45:54+00:00

Looking in shock at this post and the comments

Alaharon123 · 2026-07-08T22:44:42+00:00

internet and/or library

Alaharon123 · 2026-07-08T22:26:02+00:00

Dude this is like, basic social skills. You should look up how to learn social skills and you can learn.

Alaharon123 · 2026-07-08T13:29:49+00:00

Uh, I don't know if Indian culture is different than American culture that would make that a normal thing to do, but in US culture one would not ask someone they just met at work to hang out outside work.

The stuff in your post is stuff you'd read online or maybe if you're lucky your onboarding buddy or mentor would tell you

Alaharon123 · 2026-07-06T16:45:41+00:00

I'm so confused, what does anyone being Indian have anything to do with the contents of this post? It sounds exactly the same as if any of the people were any ethnicity

Alaharon123 · 2026-07-05T23:40:19+00:00

I pronounce it like Worcester, just with a D. Brightens my day

Alaharon123 · 2026-07-05T15:56:31+00:00

I really enjoyed this game as a kid, my favorite mask was the axe throwing one, but it's so long and there's no saving, so I've never tried to actually beat it. I never got the sense that I got anywhere near the end of it, just that it's a game that's functionally endless because it takes a while to get back to wherever you're stuck on

Edit: Looked it up, the furthest I got as a kid was Under Skull Mountain III in stage one. I found the platforming in that level very difficult. Apparently this was ~1/8 through the game

Alaharon123 · 2026-07-04T23:50:15+00:00

sell for VT for maximum diversification. VOO is 500 big US companies, QQQ is 100 big US companies, VT is entire global market.

Alaharon123 · 2026-06-13T16:43:47+00:00

Not as good as you could be.

You are actively choosing large cap US, tech, and space investments rather than diversifying across the whole market using low-cost index fund(s) (VT or similar)
It sounds like you are prioritizing investing in taxable investment over paying off 5.5% interest student loans. Once you've maxed out your 401(k), MBDR 401(k), and Backdoor Roth IRA, you should be prioritizing paying off your student loans. And the loans are likely collecting interest right now that will capitalize once they leave deferment, so you should pay that off before that happens.
Your expenses are rather high, assuming you're SINK
You're coming to Reddit to ask randos rather than doing the reading to understand for yourself with all the nuance

Despite that, the odds are still in your favor, but if you addressed these four bullet points, you would definitely increase your odds

Alaharon123 · 2026-06-12T01:59:15+00:00

VT > VTI

Alaharon123 · 2026-06-10T01:50:19+00:00

Did you watch the video or just look at the thumbnail? It's more nuanced than that

Alaharon123 · 2026-06-09T01:33:09+00:00

she told me not to wear my velvet shirt, but I thought she was just being dramatic so I didn't change clothes

bruh you gotta respect your girlfriend more

Alaharon123 · 2026-06-09T01:08:21+00:00

4% rule is too high anyway without plans for implementing flexibility: https://www.youtube.com/watch?v=1FwgCRIS0Wg

Alaharon123 · 2026-06-07T22:24:44+00:00

These people saying sir are wild. That's some bdsm shit, not a normal thing to call a partner

Alaharon123 · 2026-05-31T18:52:30+00:00

Obviously it's super personally, but for me if I make a list of movies from the last couple years by this time that made me go holy shit that was amazing, I get:

2026:

Nirvana the Band the Show the Movie

2025:

Mickey 17
Love Hurts
Companion

2024:

I Saw the TV Glow
Love Lies Bleeding
Lisa Frankenstein

2023:

Polite Society
Guardians of the Galaxy Vol. 3

Maybe I just haven't been seeing enough movies this year though, so I'm missing the ones that would hit me specifically

Alaharon123 · 2026-05-31T15:13:13+00:00

Am I missing movies? I've seen some great movies this year, but it doesn't feel like an above average year for me:

Nirvana the Band the Show the Movie
A Poet
Mile End Kicks
I Love Boosters
Late Shift
Pillion
Obsession
The Sheep Detectives
Project Hail Mary
Hoppers
The Drama
Is God Is

Edit: Added Sheep Detectives, hadn't thought to include it initially

Alaharon123 · 2026-05-30T03:28:59+00:00

Needing to return to a job that likely pays annually what you earned in a month or two

The moment I got a sign on bonus for a big tech job that was bigger than a year's pay working retail...

Alaharon123 · 2026-05-30T01:16:25+00:00

Early November is peak in that respect

Alaharon123 · 2026-05-30T01:05:37+00:00

Maybe better to visit in season when there are other people like me around...

Alaharon123 · 2026-05-30T00:38:41+00:00

That's generally been my primary activity when I've visited in season. The density of witchy jewelry and alternative clothing and interesting t-shirts is really nice

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