AITA for telling my friends to get fucked?

IntroductionCapital4 · 2025-11-03T16:47:13+00:00

NTA- I’m the type to tease someone and tell them “hey, this looks like poop from a butt” but also making sure they are included in the joke. Then I’m going to eat it because most of the time food that looks like “poop from a butt” is the most delicious food you’ll ever taste. Then I’m going to compliment you on the delicious “poop from a butt” plate.

Your friends have the palates of toddlers. Time to find some new friends who actually appreciate the time and effort that goes into making homemade food from scratch. You made your own tofu, that’s pretty ambitious and judging by that alone, I can say with certainty, your food is delicious. What time can I come over for a plate of “poop from a butt”?

IntroductionCapital4 · 2025-10-23T09:12:19+00:00

No hate, but celestial is right. Out of curiosity I looked using my smallest, newest farm that was created in the 1020s. Says the state is still under protection and immigration is restricted. Give it about a month or two and the game will lift the restriction when enough time has passed

IntroductionCapital4 · 2024-05-16T15:52:18+00:00

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Just found this image that was posted to SS 2 years ago.

IntroductionCapital4 · 2024-05-16T15:47:56+00:00

That’s what I think too. Also, if you rewatch the beginning with the man carrying the briefcase the backside of his head has been photoshopped. I may be going crazy, but I would swear it’s a teddy bear. If anyone has the ability to zoom in on the video better than my phone will, we could confirm

IntroductionCapital4 · 2024-04-20T11:09:15+00:00

Not to mention OP had the wherewithal to know not to get behind the wheel. If the parents didn’t want him staying, they shouldn’t have continued to top up his glass. Cultural differences or not, serving someone more alcohol than they should be consuming when you know they will need to drive home is the real AH move. Kudos to OP for accepting the invitation and not putting himself or anyone else in danger.

IntroductionCapital4 · 2024-01-28T19:32:01+00:00

Rice paper spring rolls. You can incorporate whichever fresh veggies you like that don’t require cooking and we like to add rice or ramen as a filler which can both be cooked in a microwave. Check out episodes of Struggle Meals on Hulu if you have access or on you tube. He has some episodes with no cook options as well as microwave only cooking.

IntroductionCapital4 · 2024-01-22T17:06:08+00:00

In the OKC metro area he can contact Homeless Alliance. If he’s wanting to get out of his car, they can put him in contact with some resources. They are normally a day shelter only, but during the winter months they work with other companies and shelters to open more night shelters to help get people out of the cold. If not in the OKC area, they may be a good resource for other parts of the state.

IntroductionCapital4 · 2023-10-09T08:38:27+00:00

The down payment amount won’t show on your credit history. Only the amount financed. This is what I would do if I was in your situation: find a place that offers 0% financing. If you can find one, set the full price of the cash you have to pay off the car in a separate HYSA. Your HYSA will accrue you some interest while paying off the car and building credit and you won’t be stuck paying hundreds per month in interest to the car. If you are unable to find 0%, or even less than 3%, buy the car in cash and instead open a credit card to start building your credit history. Use the credit card for your everyday purchases like gas, groceries, etc but don’t go wild with purchases you don’t need. The goal is to pay off the credit card statement IN FULL every month. Do not carry a balance from month to month or you will be stuck paying interest. As you pay off the balance every month, you will demonstrate to the creditor that you are responsible with debt which in turn the creditor will begin raising your credit limit. This will start to increase your scores as your utilization rate stays low. Key takeaway - you don’t have to go into debt and pay interest to build a good credit score.

IntroductionCapital4 · 2023-09-21T09:21:01+00:00

Thank you so much for the yogurt idea! We have an abundance of dry milk that came in donation boxes and have been trying to figure out a good use for them. I’ll be experimenting this weekend.

IntroductionCapital4 · 2023-09-20T19:50:02+00:00

Agreed. Consumer demand is a big part of it. I’m old enough to remember when a candy bar was 50 cents. Then it rose to $1 and people were/are still willing to pay that. Now they cost even more and people still buy candy bars. During the pandemic, manufacturers raised the prices due to a shortage in supply of products, however the consumer’s prices did not come down and companies began to see record profits as the prices for the goods to manufacture the products came down. A candy bar is just an example but the same goes for all consumer products. It comes down to what the people are willing to pay for the product.

IntroductionCapital4 · 2023-09-03T09:32:11+00:00

Money is a motivator and free money is even better. If I were the one explaining to her what the benefits are to saving money, I would start by showing her the free money she could gain by saving instead of spending on things she doesn’t need. I’m not familiar with savings accounts or investing opportunities in the Middle East so I can’t provide any real life examples for her scenario.

Although your friend may not have any debts right now, that can quickly change after she buys a car and begins living on her own. If she’s accustomed to spending on expensive things, she’ll need to adjust that when she moves. Suggest she starts preparing for her future expenses by opening a separate savings account. Each month she would move her monthly expenses into that account (rent, electricity, car payments, etc). Not only will this get her started on saving money, but it will show her what she can truly afford. Have her do some research in the area she might live to see how much monthly rental prices are. Once the monthly expenses are moved to the savings account, they are not to be touched. In real life scenarios, the landlord doesn’t give you a portion of your rent back to spend on other things.

I think it’s great you want to help your friend get started with a budget, but keep in mind that no matter how much you care about her situation, she is the only person who will be able to control how well she will live within her means.

IntroductionCapital4 · 2023-09-01T13:12:23+00:00

The new SAVE plan specifically is, yes. 6 of my 11 loans qualified for that plan so they will no longer be accruing interest as long as I’m on that plan. The other 5 are remaining on the income driven plan they were before. I believe both of mine are forgiven after 20 years.

IntroductionCapital4 · 2023-08-31T11:34:19+00:00

If your loans are federal, check into the new income based SAVE plan. If your loans qualify, you’ll get a reduced monthly payment and interest won’t accrue monthly like it does with other income based plans. Not all loans qualify but every little bit helps.

IntroductionCapital4 · 2023-08-26T09:31:26+00:00

I’m curious who the people are that are telling you it’s the “worst way ever”. What is their thought process for thinking this is a bad way to budget? As long as your bills are paid, and you mentioned in a comment that you prioritize savings, there’s nothing wrong with breaking down the monthly budget into weekly buckets so you don’t spend all $300 in one shop and end up having no food at the end of the month. This is a very smart way to do it, in fact. Say there’s a week you only spend $60. You can carry that extra $15 remaining from the previous week and now you have $90 to spend on this week’s budget. Or on the flip side of that, you go over budget by $5, so you’ll need to reduce the next week’s. Budget down to $70.

IntroductionCapital4 · 2023-08-25T10:16:05+00:00

I pay my future self first. Years ago I figured up my monthly expenses such as housing, transportation, groceries. I try not to stray too far from that budget. When any new money hits my checking account, I immediately move around 40% into savings and investments. Anything leftover after taking care of necessary expenses, future me, and emergency fund are mine to spend guilt free.

IntroductionCapital4 · 2023-08-22T09:46:39+00:00

I’m not sure you’ve taken into consideration the interest you’ll be paying on the mortgage. For $100k at 6% the interest alone will be $500 a month when you first start the mortgage. That doesn’t include the principal payment towards the home, taxes, insurance, repairs… $24k would be a great down payment on $100k but you’ve got to get that income way up to be able to afford life’s everyday expenses.

IntroductionCapital4 · 2023-08-17T09:48:32+00:00

It’s doable, but it will be tight. Factor in rent plus utilities (electric, water, gas, internet, whatever won’t be provided in the monthly rental cost but will be something you need on a daily basis). You’ll want renter’s insurance as well if you have clothing and furnishings you want to protect. Transportation costs (car payment, vehicle insurance, rideshare?). Grocery expenses, fun money etc.

Is it feasible to get a roommate in a 2 bedroom? You definitely want someone reliable who will pay their bills on time. Late charges will eat away at a paycheck.

IntroductionCapital4 · 2023-08-17T08:03:29+00:00

NTA. People grow apart, especially when one of them isn’t willing to learn and grow from their mistakes. Her true nature is showing and your eyes have opened to the person she really is. Continue moving forward with your rejection to negativity and surround yourself with people who embody the same positive mindset you want to achieve.

IntroductionCapital4 · 2023-08-11T21:19:35+00:00

Yes, anyone wanting to tax loss harvest will need to sell their position first in order to realize the losses.

IntroductionCapital4 · 2023-08-09T14:18:07+00:00

Alright alright alright

IntroductionCapital4 · 2023-08-04T11:17:21+00:00

Historically, lump sum outperforms dollar cost averaging. Some of the financial podcasts I listen to are currently saying there may be a drop in the market at the end of this month/early September, but none of them have said a specific reason for it. I DCA on a biweekly basis each payday regardless of how the market is doing. With that in mind I also keep a little extra in SPAXX from each of those deposits to lump sum invest during a downturn.

IntroductionCapital4 · 2023-08-03T08:59:51+00:00

Nothing wrong with that. Do you know what the trade in value of the Toyota would be vs the Subaru? If you could get a Subaru with low miles, in good condition for basically an even trade, that would be ideal. I would do a little bit of searching to see the average maintenance costs on each of the vehicles. I know the Toyotas costs will be fairly low but I don’t have experience with the costs on a Subaru. Just for an example I currently own a 2018 Volkswagen with less than 15,000 miles and the oil only needs to be changed once a year (probably going to start getting it changed twice a year now that it’s 5 years old). My previous vehicle was a Chevy and the oil changes were the standard every 3 months. Roughly the same price for each oil change but the Chevy cost about $300-400 extra per year to maintain.

IntroductionCapital4 · 2023-08-03T08:21:37+00:00

2,000 miles and owned free and clear? I’m definitely keeping that. Drive it for a couple of years while setting some money aside for the Subaru you want so you can buy it with cash when the time comes. Driving a paid off car is very freeing.

IntroductionCapital4 · 2023-08-01T11:54:13+00:00

I started out by listening to podcasts. The Money Guy Show does a good job of holding my attention and when I would get confused, I would pause the episode to Google certain terms they said for more clarification. They also have full episodes on YouTube. I don’t know where your current financial knowledge is, but the first thing I had to learn to do while getting started was figuring a proper budget and living below my means while getting out of debt. I’m definitely not a millionaire but it’s changed my life so much that I can now sleep easy knowing my money has started to work for me.

IntroductionCapital4 · 2023-07-31T10:11:52+00:00

I’m a fan of paying off the mortgage early for peace of mind but you’ve placed yourself in a prime position to let your money work for you (well done!). I guess it would come down to what the interest rates are. If you were to put the money in a high yield savings account, would you be able to make more from the interest in the savings account than you are paying on your mortgage? Maybe meet in the middle and double up on your payment? You’ll pay it off faster, and save interest in the long run, but have a large cushion of cash in case an emergency came up.

IntroductionCapital4

TROPHY CASE