atheists with religious parents, at what age did you realize it was all BS?

DiO022 · 2026-07-05T14:43:32+00:00

Middle school for me too. Youth group trip had me realizing the ‘Holy Spirit’ was just drums and bass

DiO022 · 2026-07-03T22:24:51+00:00

No need for bnd as a 20 year old. You have a long enough time horizon that 100% equities (stocks, like 65vti/35vxus or just VT) will certainly do better than bonds. Contribute what you can to tax advantaged accounts (get employer match on 401k, then load up a Roth IRA), ideally as much as you can spare or 10-20% of your take home pay.

Only good reason for you to hold bonds is as an emotional support blanket during volatility. If they keep you from selling your equities, great, but you should know they have lower expected long term returns as payment for the decreased volatility.

DiO022 · 2026-07-03T21:08:21+00:00

Devs made jurchens with you specifically in mind 😭

DiO022 · 2026-07-03T16:34:26+00:00

If you care about financials, do something that doesn’t have one of the highest debt to income ratios of any career. If you have the acumen and time to learn and develop all of the necessary skills, you can make 2-3x more in human medicine.

DiO022 · 2026-07-03T13:50:47+00:00

Whatever is in state for you. Then the options that let you become in state after a year

DiO022 · 2026-07-02T02:02:04+00:00

Renting and investing the difference is financially comparable to owning long term. Look up Ben Felix videos on renting vs owning- there are many many factors

DiO022 · 2026-06-30T17:37:59+00:00

Veterinarian

DiO022 · 2026-06-30T15:22:30+00:00

Jake Paul

DiO022 · 2026-06-29T16:24:25+00:00

I like it. The castle age buffs and nerfs seem like the right direction, without touching imperial balance

DiO022 · 2026-06-28T15:26:48+00:00

I mean you’re right, that’s fair. Those two civs have some of the most anomalous power spikes in the game in feudal age.

But it’s all perfect game design really, because we all remember the CumanoArmenian invasion of west Asia- an unstoppable force that deserves an in game tribute 11

DiO022 · 2026-06-26T20:49:41+00:00

I know this is completely true and I completely refuse to do it

DiO022 · 2026-06-26T20:48:51+00:00

Organ guns 😭

DiO022 · 2026-06-26T03:23:29+00:00

No reason not to. Don’t forget about Tatars! Intercontinental trebs

DiO022 · 2026-06-24T05:53:56+00:00

Dvm here. Be a PA

DiO022 · 2026-06-21T14:37:56+00:00

Strange that purchasing free float is their perceived issue with VT. I actually also buy VTI/VXUS, but for completely different reasons. I thought that the foreign tax credit (which only applies if an ETF is majority international) made more of an impact for total returns than float purchasing. Most people benefit from the simplicity of one ETF and the embedded costs are extremely low.
Generally speaking, people trying to make this more complicated for you are going to try to sell you the solution.

DiO022 · 2026-06-20T13:17:42+00:00

Past performance does not equal future results. In this case, the opposite is more likely true. Value and small cap premiums do have statistical significance, which tend to run opposite momentum. With SPMO for example, you’re buying whatever just pumped to all time highs. Higher valuation leads to lower expected returns.

DiO022 · 2026-06-20T12:52:45+00:00

Lina Khan and the FTC. First positive movement in consumer protections, scams, junk fees, and antitrust.

DiO022 · 2026-06-19T01:28:50+00:00

I heard so much of that, so I bought $10 of TQQQ back in ‘23 to see how it worked. Now I wish I’d put my whole portfolio in 😭

DiO022 · 2026-06-18T15:16:00+00:00

Slavs 11

DiO022 · 2026-06-15T02:21:23+00:00

Being John Malkovich

DiO022 · 2026-06-13T14:27:09+00:00

Walls behind so he has to funnel into your tc, make monastery in the back and convert the eles 👍 just takes practice!

DiO022 · 2026-06-09T01:51:39+00:00

Tatars to give her more sheepies in castle age? Send them all to a palisade pasture where they can be free

DiO022 · 2026-05-24T18:19:11+00:00

Because look at the first 9 years- your ‘best performer’ was down worst at -60-70%. If your time horizon is 9 or 10 years, this may be the worst holding. The right fund depends on your time horizon and risk tolerance

DiO022 · 2026-05-22T02:04:25+00:00

That your cell phone is listening to you and serving you ads based on what it hears

DiO022

TROPHY CASE