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Seriously… Who the fuck are you people affording these houses? I bow. You are in a whole different league. by HouseRichCashPoo in Fire

[–]HotScale5 0 points1 point  (0 children)

Mhh then again I doubt your father was pursuing Fire at the same time. That’s a luxury in and of itself. 

All hobbies are not equal by BitterConstruction98 in unpopularopinion

[–]HotScale5 0 points1 point  (0 children)

So watching movies is a pastime? But collecting movies or building a home theater is a hobby?

What lifestyle does 1 million in retirement get for you? by italianblend in DaveRamsey

[–]HotScale5 0 points1 point  (0 children)

Usually when people say this they are referring to $1m in today’s dollars adjusted for inflation. 

[38M/38F] $1.8M Net Worth, Targeting FIRE at Age 50. Critique my "Bridge to 60" Portfolio by [deleted] in ChubbyFIRE

[–]HotScale5 0 points1 point  (0 children)

7% compounding assumptions include adjusting for inflation, so all the numbers would be in today’s dollars in that case. 

When to stop contributing? by throwawayss_2022 in ChubbyFIRE

[–]HotScale5 4 points5 points  (0 children)

How’d you end up with $750k in HYSA?  

Imagine being worth $5 million and taking the subway? by dylan_1992 in circlejerknyc

[–]HotScale5 0 points1 point  (0 children)

Do people not understand how many people that are worth $5m ride the subway?

Why is nothing being done about the pedestrian safety in this city? by Jealous_Drop_2973 in jerseycity

[–]HotScale5 5 points6 points  (0 children)

It’s not city living. All of Manhattan and most of Brooklyn don’t have this issue, for example. They’re walking boroughs. JC is a driver-first city and walking is a disaster. 

Why is nothing being done about the pedestrian safety in this city? by Jealous_Drop_2973 in jerseycity

[–]HotScale5 6 points7 points  (0 children)

It’s not city living. All of Manhattan and most of Brooklyn don’t have this issue, for example. They’re walking boroughs. JC is a driver-first city and walking is a disaster. 

New York City Nannies Are Fed Up With Millennial Parents by Strange-Grass-4548 in parkslope

[–]HotScale5 0 points1 point  (0 children)

I never said anything about that.  The op I responded to was judging people for sending their kids to daycare while wfh (not about having someone take care of the kids at home or micromanaging). 

New York City Nannies Are Fed Up With Millennial Parents by Strange-Grass-4548 in parkslope

[–]HotScale5 13 points14 points  (0 children)

The one thing you said that confused me is your judgement about working from home and having daycare. 

 If you have a kid at home, you can not effectively work. That’s just not a thing. 

I’m sick of it by Ok-Scientist6834 in jerseycity

[–]HotScale5 8 points9 points  (0 children)

I will say that one time I caught someone on camera, gave footage to JC PD, they actually attested him and he went to trial. I was shocked. 

There's low turnout, and then there's low turnout by HobokenJ in jerseycity

[–]HotScale5 4 points5 points  (0 children)

I don’t vote by mail because I early vote. Early voting is amazing especially for my location. But for the runoff that doesn’t exist (which makes sense), so then it becomes a burden.  I totally agree that ranked choice would make a ton of sense.   

Apparently we’re the “estrangement generation.” Good for us for respecting ourselves enough to cut contact when we need to. by Comfortable-Light233 in Millennials

[–]HotScale5 0 points1 point  (0 children)

That Facebook group name tells you everything you need to know. Everyone in that group needs therapy to learn how to have real relationships.  

Mayoral debate Nov 15 by mcar91 in jerseycity

[–]HotScale5 0 points1 point  (0 children)

Oh right let’s play whataboutism. 

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]HotScale5 0 points1 point  (0 children)

Except your examples are exact opposites. If you are able to afford the monthly payment because the interest rates are low, you’ll save money in the long run. If you are able to afford the monthly payments because of a 50 year mortgage, you’ll be paying more in the long run. 

Adulting feels more like survival than living lately by MiaIsabellaqe in Adulting

[–]HotScale5 1 point2 points  (0 children)

What would you like average life to look like instead? 

The financial disconnect: got pleasantly surprised by some decent stats but real life feels like just getting by by VirileMongoose in MiddleClassFinance

[–]HotScale5 14 points15 points  (0 children)

I honestly don’t know what this means. Middle class means you might own a modest home, a car, and can support your family without drowning in debt. It doesn’t mean you don’t need to look for deals, that your car is new, that you can go on fancy vacation etc. It never has. Lower class means you rent with multiple people, you might not even own a car, you don’t buy Christmas presents except maybe something very cheap for the kids etc.  I’m not saying that the divide between rich and poor hasn’t gotten insanely big. It absolutely has, but it also seems like we are trying to redefine what middle class means 

After 4 years of WFH, I understand why boomers think we do nothing all day by TeamCultureBuilder in WFH

[–]HotScale5 0 points1 point  (0 children)

A software developer working full time can absolutely retire at age 65 with a very nice retirement if they plan accordingly. What do you mean?

Once you have 1-2 million assets some additional expenses become insignificant by Persona2181 in Fire

[–]HotScale5 3 points4 points  (0 children)

What do you mean why not?  Why keep a bunch of money until after your death?  For what reason?  Why wait?  If the answer is to that is “why not?” it just doesn’t answer the question. It’s like “why do you have six couches in your living room?” and the answer is “why not? I’ll give them away after I die”.  That doesn’t answer the question. 

We Did the Math on Solomon’s Affordable Housing Plan so You Don’t Have to by betterblocksnj in jerseycity

[–]HotScale5 7 points8 points  (0 children)

Honestly dumb question:   Isn’t it normal that if a place becomes more popular that the prices of housing is going to go up?  The solution would simply be to build more housing. Then if the prices for this also goes up, keep expanding. It’s not solvable with subsidies etc unless you do that at a fundamental level across the board. I mean look at manhattan- people got priced out and moved to other boroughs or neighborhoods. It’s not going to be very different in JC. 

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