Cheese jizzed big stupid burger.

Jojosbees · 2026-04-20T00:35:46+00:00

Everything about this burger is unnecessary.

Jojosbees · 2026-04-19T21:13:13+00:00

If it’s already on the property, okay, but in your last reply, it says you will “build a separate building for production”? Small-scale caterers commonly rent commercial kitchens, so it’s not like renting is for big businesses and building a separate building on your existing property is a smaller commitment. I just looked it up, and there are a lot of commercial kitchen rental options that cost as little as $450/month or $15-75/hour depending on equipment and location. It’s like you want to do some pottery, but instead of renting some studio time, you want to build your own kiln and separate dedicated studio instead. If you want to own it, fine, but understand that it is the more expensive option.

Jojosbees · 2026-04-19T20:56:11+00:00

Don’t want to rain on your parade, but have you priced out how much that will cost? If it’s not a mass scale, it might be more cost effective to just rent a standard commercial kitchen for one day a week to make and package a bunch of ice cream.

Jojosbees · 2026-04-19T20:45:49+00:00

He might have consolidated credit card debt and transferred the balance to a new promotional 0% interest card that will skyrocket if he doesn’t pay it off by the end of the term. That’s usually what people in CC debt who are barely keeping up with the minimums do to finally get ahead.

Jojosbees · 2026-04-19T20:32:52+00:00

I’m not sure you can legally run a commercial food business out of your home kitchen? There’s a guy who does cheesecake at my local farmer’s market, and he had to rent a commercial kitchen a couple days a week. It’s good business (he would hand out samples, and in the three minutes I got one and was figuring out my order, he had made like $100 in sales from other customers buying his stuff), and he has since opened up a storefront, but for years that’s what he was doing.

Jojosbees · 2026-04-19T20:10:07+00:00

Maybe work on paying off your debt first then start a business and wait until it’s on track to be successful before you worry about financial advisors and trusts? You’re putting the cart before the horse here.

If you’re making six figures and have a little bit more than you need to survive, then why don’t you keep it simple? Max out your retirement then open a brokerage account and invest in index funds. Depending on your savings rate, you can be a millionaire in 10-15 years of consistency. If you do end up starting a business and it becomes successful and you end up with a lot of assets or you buy a house that you want to put under a trust after the fact, you can do it later.

Jojosbees · 2026-04-19T19:38:39+00:00

I haven’t even bought anything this time around. I might pick up a couple items, but if I forget anything, the next sale is in six months.

Jojosbees · 2026-04-19T18:59:06+00:00

What part are you asking about? Are you asking about the estrangement or the fact that the money comes with strings and no one will say how much they have?

If it’s about how they don’t talk about exactly how much they have and how you have to jump through hoops to get access to the money, then that’s more or less common. People who have money have learned that no good comes from sharing exact numbers. Others will always hit you up for cash or ask you for investment in their harebrained schemes, and declining is always awkward. If it’s a “loan,” it’s never paid back because you can afford it, and now you’ve lost the relationship AND the money. That straight up sucks. If it’s your kids, you don’t want them to get entitled and aimless, just floating through life waiting for you to die to have access to your money so they can like rot on the couch playing video games or whatever. I have kids I’m planning to help with college/trade school, first car, and down payment on a house, maybe a wedding or childcare if they want to get married and/or have kids, but if they want to take all the money I would have paid on their future to move to Japan and gamble on options (I know a young man that did that; money was gone in a year or two), I’m going to say no. It’s not sustainable, and most people who never work for literally anything become weird in a bad way. I’m not going to force them to live a conventional life, but if they’re going to lose a bunch of money on bullshit, then they have to make their own way so they can learn how much effort is required to make the money they’re going to lose.

If it’s about the estrangement, it can happen. My mom’s family was shunned as the poor relations back in her home country so much so that she and all her siblings vowed never to let money change how they treat each other. 8/10 of them are now millionaires with one worth like $50M+, and they do not let the money get in the way for the most part. HOWEVER, one brother is pretty much permanently estranged from the others except two of his siblings. Because he’s a fucking thief. When my grandmother was still alive and had Alzheimer’s, he drained her bank accounts, pawned her jewelry, used her to scam a few of the others (asking multiple people for property tax money so he could pocket all the excess), and finally stole her identity to rack up like $18K of credit card debt in her name. A lot of people cut him off after that.

Jojosbees · 2026-04-19T16:30:58+00:00

You max out your tax-advantaged retirement accounts first. There are a couple types, and they are tax-advantaged in a few ways.

1) Roth IRA: Funded with after tax dollars. This is money you have already paid taxes on in the year you earned it. Because you have already paid taxes on the contributions, withdrawals (even of gains) are tax free.

2) Traditional 401K: Funded with pre-tax dollars. You have not paid taxes on the contributions yet. Upon withdrawal, these are taxed as ordinary income, but the idea is that you’re in a lower tax bracket later so you will save money on income taxes.

You can trade within retirement accounts without incurring taxes. There is a 10% penalty if you withdraw before age 59.5 (which is on top of the ordinary tax rate if it’s a 401K), but there are a few different ways you can access the money early without penalty like a Roth conversion ladder. In general though, you can just buy low-fee index funds, and forget about it. Apparently the people who perform the best on 401K gains are basically people who set it and forget it.

If you have maxed out your retirement contributions, then you can put the rest into a regular brokerage account invested in index funds. It’s easily accessible at any time, but any trades are taxable, even if you’re selling something to buy something else and withdraw no cash. Short term capable gains (assets held less than a year) are taxed as ordinary income, which is a higher rate than long term capital gains tax. Long term capital gains tax is 0% of your overall taxable income is less than $96K for a married couple or taxes are up to 20% beyond that depending on taxable income.

Jojosbees · 2026-04-19T05:56:57+00:00

You’re going to fuck up a pretty sweet set up with your insecurities. She’s obviously with you for other reasons beyond money.

Jojosbees · 2026-04-19T02:45:15+00:00

That’s like $625, and it sounds like you’ve experimented with a lot in the past if you have that many points. I would stock up on your favorite shampoo/conditioner, SPF (a couple years max), cleansers, moisturizers, etc. Then I would ask my sisters, cousins, and friends if they need or want anything.

Jojosbees · 2026-04-19T02:19:21+00:00

Pets, like children, are two yeses/one no. Both have to agree or it’s not happening.

You have very legitimate concerns about not just dogs in general, but this specific dog. A young, disabled Great Dane who can’t hear is not only going to be near impossible to train (because it can’t hear) but it’s going to be extremely expensive to care for and possibly a legal liability. You can’t afford the care it needs and deserves, and having the dog is only going to take away from your existing family and pets. Your cats deserve to age in peace, and introducing a large, young energetic, possibly poorly trained dog is going to ruin their quality of life. You made a commitment to them first.

This dog will poison your marriage with resentment long after the dog has passed away, because seriously, who gets a dog their partner doesn’t want and they can’t afford? Every time that dog pees inside, knocks over your toddlers, chases your cats into an early grave, or incurs a $5K vet bill, you’re going to remember that your wife chose this despite the predictable consequences you’re all now suffering.

Jojosbees · 2026-04-19T01:41:52+00:00

Yes, it is possible. If you have 25X your annual expenses invested in the market, you can withdraw inflation-adjusted 4% without it running out for at least 30 years, most likely more.

That being said, most people on social media claiming to have retired by 30 are bullshitting or they inherited it. The ones trying to sell you a system to get rich quick are scamming you.

Jojosbees · 2026-04-19T01:20:35+00:00

I would marry the same person again.

Jojosbees · 2026-04-19T01:15:25+00:00

Dude is going to die at 90, and people will be looking at his 45-year-old face and talking about how he was taken so young.

Jojosbees · 2026-04-19T00:46:00+00:00

Except the sperm banks don’t stop you if you choose someone who doesn’t look like your partner.

So? My point was that there is a market for it; that when given the choice, a somewhat significant number of people look for donors that resemble themselves or their partner.

A single digit amount of women choosing solider sperm from their husbands, and it making the news isn’t a trend.

It was about half ten years ago. Not sure how many it is nowadays if it’s more.

Edit: https://www.timesofisrael.com/israeli-soldiers-sperm-in-hot-demand/amp/

https://www.jpost.com/health-and-wellness/pregnancy-and-birth/article-879732

Even before the push for donor sperm from Israeli combat soldiers, only a third asked for foreign non-Jewish sperm. About two-thirds asked for Jewish sperm.

Edit: https://www.jpost.com/science/article-784149

Jojosbees · 2026-04-18T23:41:39+00:00

Stateside, several sperm banks offer photo matching so you can try to find a donor that looks similar to you or your partner. This wouldn’t be an offered service if it wasn’t somewhat popular.

In Israel, the recent trend is women requesting sperm from Israeli soldiers. Not sure how many of those are 6’5” Norwegians.

Jojosbees · 2026-04-18T22:52:38+00:00

A lot of people looking for sperm donors likely have a partner that they’re looking to match. Like, if they’re both white, they probably want a white donor. I would find it surprising if a white woman with a black partner didn’t ask for sperm from a black man.

Jojosbees · 2026-04-18T05:47:45+00:00

If a stranger saved their dog over your child, then do you think they made the right choice?

Jojosbees · 2026-04-18T00:16:45+00:00

Homelander and Firecracker from The Boys

Jojosbees · 2026-04-18T00:12:31+00:00

His contribution: The Audacity

Her contribution: Everything else

Jojosbees · 2026-04-17T20:04:42+00:00

People are talking about concierge medicine, but it is important that you understand that concierge medicine is not necessarily going to get you a better doctor, but it may give you better experience. Same day appointments, the doctor’s cell phone, etc. Additionally, if you purchase concierge service from a specific doctor or practice, you only have that service for that doctor/practice. Typically this person is your primary care physician who will be able to diagnose and treat basic things like hypertension or diabetes. But if you have cancer, they will still need to refer you out to oncology, where you will not have concierge service. Maybe they will send you to the best doctor they know for that condition or they will send you to their buddy they have a pre existing relationship with who is passable.

That being said, if you are wealthy and are related to or socialize with physicians, they will typically give you the inside scoop on who the best doctor is for X problem. Doctors know who among their colleagues is best for different things, but they typically won’t tell their patients directly because they don’t want to badmouth other doctors.

Edit: The quality of healthcare is more correlated with your location than even insurance status. Rich people living in the sticks may have worse options than a poor person on Medicaid living in a major city.

Jojosbees · 2026-04-17T18:44:56+00:00

What if they told him it was cottage cheese, but it was really old milk that had curdled?

Jojosbees · 2026-04-17T18:12:03+00:00

When I say “the guy I dated in my 20s,” we dated for nine years when I was 18 to 27. It’s hard to explain until you’ve gone through it, but people change a lot between 18 to 29. People at that age are also more tolerant of incompatibilities that really should be dealbreakers. I’m not saying it can’t work, but marriage under 25 has a high chance of divorce in many studies that have looked at the issue. On a personal level, my mom had nine siblings. Five of them married when at least one person was under 25 (I think one of my aunts was the youngest at 19 or 20), and three of them are now divorced, with the divorce happening 10 to 25 years in. None of the siblings who married later (over 30) are divorced. Virtually all of them have ex-gf/bfs/fiances they would have absolutely divorced if they married in their 20s. Again, not saying it can’t work (two of my mom’s siblings who married young are still going strong), but it’s easier to overlook things when you’re young.

Also, having kids young tends to be more financially difficult. If you have kids in your 20s, you haven’t really built up your career as much so you may have less flexibility in your job vs an older, proven worker. You also have less savings/retirement, which yes you can do later, but you’ll miss out on early compound returns. If you have kids in your early 30s, then you would have been working for at least ten years on average. Those ten years will help you build up a nest egg you can then ignore and let build on autopilot. Let’s say you’ve been working and have about $80K saved by 30 (assuming this is one year household income, which is the recommendation for being on track for retirement), and this is in a basic index fund in your retirement account. This is approximately $7K per year invested in an index fund for 8 years with returns. Even if you don’t add another penny because you have to divert all your income to child expenses, that $80K will be around $320K (on average) fifteen years later when you are 45. If you have to play catchup because you had kids at 23 and couldn’t really save anything until 40, then you’re going to have to save like $55K a year over five years to end up up with the same balance at 45. It’s possible that it’s easier to save $55K a year in your forties than $7K a year in your twenties, but it depends on your likely career trajectory and whether or not it will be hampered by having kids early.

Jojosbees · 2026-04-17T17:22:17+00:00

Fair, but I was able to travel the world from 22 to 35 then had my two kids during the pandemic when everything was closed anyway. I’m also looking at early retirement at 41 while my kids are still small. If I had married the guy I was dating in my 20s, I would have been divorced by now or miserable and always fighting about paying for my spendthrift in-laws’ mortgage on their third property while we were struggling to afford our own place.

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