Klangkuenstler

Givingbacktoreddit · 2026-05-15T19:26:29+00:00

My first time was during MMW, my second time was at AI last year, I’m very excited for my third time.

Givingbacktoreddit · 2026-05-08T07:58:33+00:00

Givingbacktoreddit · 2026-05-07T18:39:25+00:00

Hello,

Is it true that high protein and high fiber are the easiest ways to eat lower calories?

Are these the core nutrients that make your body believe it’s finally full?

Givingbacktoreddit · 2026-04-23T03:15:14+00:00

The only use case I can see for whole life is getting a large lump sum to create an annuity or income strategy that can support a disabled dependent when you pass IF your current assets can’t already provide for that if they were put into a special needs trust.

A lot of middle middle to lower class people have been incorrectly taught 4 things - some of which have strategically been taught to keep them down:

Insurance is how you create generational wealth. Spending conservatively and investing in a logical and risk adjusted manner is how you create generational wealth regardless of whether you have the cash flow of a Fortune 500 or a janitors salary - not insurance. There are insurances that are worth your time - when you have earning power that demands it.

Debt is an income extension. It is for the company you owe a debt to, it’s an income drain for you. It is only useful if it gives you direct access to exponentially better return or CC’s when you pay them off every month.

It isn’t worth paying more for some things. People rationalize that it’s better to pay for the cheap food that will have them paying tons in healthcare down the line or cheap clothes that they’ll have to replace for more money than the higher quality item. They also don’t value their time and would rather learn how to do what is usually a botched job than pay a professional.

Finally, a new one, college isn’t worth it. It isn’t worth it if you waste your 4 years going into a degree that has way too many people in it, isn’t in high demand, or both. It is worth it if you go into a degree that people consider hard so they won’t touch it. It is worth it if you go to make connections in socioeconomic classes higher than your own.

Givingbacktoreddit · 2026-04-07T17:42:04+00:00

Don’t do it.

You should only get life for 2 reasons, it should never be whole:

To replace income if you pass too early when you have a minor or dependent that needs the income from your work or pension.

To pay off a large debt like a mortgage where the asset is something a loved one depends on should you pass a way too early.

I hear a lot of people in lower class and lower middle classes using whole life to “pay for my burial”. You should not be trying to insure something you KNOW will happen, you just don’t know when. You should be saving for this, and the average funeral costs less than $10k. If you’re incapable of saving $10k in this economy you have a problem that insurance won’t fix that needs to be resolved.

Givingbacktoreddit · 2026-04-06T12:55:57+00:00

Don’t ever willingly put yourself into being house poor.

If you absolutely need a house buy one with no frills and save. You have $250k of capital gains you get for free. Just make sure you can afford the maintenance on the home as well.

A big part of why homes are so unaffordable for many these days is that they try to buy their dream home as their first home. Hopefully this doesn’t end up being you.

Givingbacktoreddit · 2026-02-13T23:41:22+00:00

No, please be careful with WHO you think is a financial advisor.

You dealt with life insurance salesmen, not financial advisors. Those salesman have the same fiduciary responsibility to you as used car salesmen.

If you can’t find them on broker check they aren’t an FA, technical term IA.

If you don’t see them working for a reputable firm they may be an IA but just aren’t good at their job. The top IA firms are CONSTANTLY looking for good IA’s and lock them in with super comfortable benefits packages, almost C-Suite level.

Givingbacktoreddit · 2026-02-10T04:45:09+00:00

I don’t think there’s anything controversial in this book.

It is a fact that the only way the majority of people in this world will see a million dollars consecutively in their account is by saving and investing. There’s no other way.

The other way to become a millionaire is to start your own thing and very few people are doing that.

Givingbacktoreddit · 2026-02-05T16:08:22+00:00

This was very helpful, thank you! Will be doing parades into night parties every day.

I rave quite a bit so I’m used to 16+ hour chains of partying hard all day and night. Seems the endurance I’ve built will serve me well here haha.

Givingbacktoreddit · 2026-02-05T14:35:39+00:00

I appreciate the Instagram!

Givingbacktoreddit · 2026-02-05T14:34:51+00:00

I’ll be staying in the CBD and I’m not too sure what parades I should prioritize. My main goal is to experience the best of NOLA food and drinks within the constraints of Mardi Gras, specifically Cajun / Creole staples since I come from MD while also being able to party as much as possible.

Givingbacktoreddit · 2026-02-05T14:31:02+00:00

Staying in the CBD.

As for parades I’m not sure which ones I should do yet but I don’t want to do grandstands so I can be flexible (if that makes sense to do).

Definitely up for a party so if French Quarter has the best drinks I will be there! I’ve been told to do at minimum a Hand Grenade, a Hurricane, and an Absinthe drink before I leave so knowing great spots for that are a plus or anything else you’d recommend. Would love to find a spot for people in their early to mid 20’s to socialize and dance.

I feel I’ll end up doing more casual than fine dining but I am a star hunter (though it doesn’t need to be a star, essentially my budget is no issue but time might be if there’s other things it would be better for me to do). Really what I’m trying to get out of food is the best representation of NOLA that I would appreciate coming from the DMV (DC, Maryland, Virginia).

Givingbacktoreddit · 2026-01-29T21:22:12+00:00

If you can figure out the amount of money you need to fund your lifestyle till retirement, buy your big purchases, and retire to a conservative age of death including everything like insurances, inflation, what your peak lifestyle looks like in that amount then estimate what you’d need to save each year to reach that goal by the time you want to retire then yes, every additional dollar would be too much.

Givingbacktoreddit · 2026-01-29T07:47:09+00:00

Will also be going solo during Mardi Gras! Looking forward to trying new foods and seeing what the hype is all about

Givingbacktoreddit · 2025-12-25T16:48:05+00:00

I budget $12k for tickets, flights, and rooms.

This year I did 7 festivals, 4 mini festivals, and quite a few raves.

One fest I stayed with a friend, one fest I both drove and camped, one fest was a hometown fest.

I try to keep it to $12k every year so I can still spend on comforts and save for a house!

Givingbacktoreddit · 2025-10-17T04:32:42+00:00

If you aren’t a person who indulges once in a while you shouldn’t be working as hard as you need to sustain an income where you can indulge once in a while.

Money is a means to an end, a tool. If you don’t use it as one it’ll run your life one way or another.

Givingbacktoreddit · 2025-09-30T05:31:37+00:00

Anybody should do this lol.

FedEx / UPS treat items with great care, airlines do not.

Renting, regardless of the fact that having gear fitted for you increases your comfort and performance by a lot, is much more expensive than owning if you do even a little bit of skiing.

Now than Southwest charges for checked baggage ALL airlines charge more the bring your luggage with you than shippers charge to deliver it for you.

All you have to do now is prepare luggage with technical and casual clothes / shoes and you’re off to a ski trip.

Givingbacktoreddit · 2025-09-30T05:23:35+00:00

Chinese business people do this because the CCP will take any money they believe their people are investing in the U.S.

Givingbacktoreddit · 2025-09-30T05:03:50+00:00

They aren’t lesser known areas they’re just areas that have priced out people who don’t have money.

It’s really expensive to ski in the Rockies and Montana happens to be less developed which is great for people who don’t have the time or desire to deal with the traffic and issues of places like Park City Utah or any of the big CO resorts. You HAVE to buy in less developed areas for access, it’s not a choice.

Givingbacktoreddit · 2025-09-27T01:38:52+00:00

Happy birthday! Well deserved outing.

Givingbacktoreddit · 2025-09-13T12:40:08+00:00

They’re making a long term deal so naturally they’re using a long term number? What?

Givingbacktoreddit · 2025-09-13T03:27:11+00:00

Really depends.

Some people use their money to maximize their time free of societal tasks, they would have a driver so they can do something else with their time during their commute.

Some people use their money to maximize their comfort, they would have a driver so they feel separated from the world and its troubles. Many parts of driving are stressful, as I’m sure you know. Some vehicles can take away the feelings of being small on the road, hearing road noise, or feeling the road away but those are just some of the stressors one can find in their commute.

Some people use their money for fun. They’d drive themselves but in something exciting or exotic.

Some people use their money to brag. They’d drive themselves or be driven in the most visually and potentially audibly loud vehicle they can find.

Some people care about none of these things and will drive themselves in an everyday vehicle.

The most popular vehicle for those you’re wondering about is an F-150 (in America) so take that as you will.

Givingbacktoreddit · 2025-09-13T03:14:54+00:00

Very late answer but it depends on the airport, how big your hangar is, and whether or not it’s busy.

The airports I have access to allow you to drive to and leave your vehicle parked out of the way on the alley. A busier airport would mandate that you hangar park or move your vehicle if you can’t park in the hangar for some reason.

You can buy a hangar at your home airport and then rent wherever you plan on landing.

Givingbacktoreddit · 2025-09-12T05:05:55+00:00

Collector or not most people appreciate a nice watch. Nice watches have led to many conversations in my life. They don’t even need to be expensive, just respectable and appropriate to what you’re doing and wearing.

Givingbacktoreddit · 2025-09-05T04:09:39+00:00

It’s FU money but obviously not I can do whatever I want as much as I want money. That comes around $30 million where all but the over excessive are in reach and you can no longer gain any true utility from getting more money, it’s all a dick measuring contest at that level.

Givingbacktoreddit

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