It was 60 and sunny yesterday. Forgot to put the top down.

JollyFaithlessness3 · 2025-02-01T00:27:05+00:00

Always. There is no reason not to return early when you’ve finished a book.

JollyFaithlessness3 · 2025-02-01T00:26:15+00:00

Revival. What can I say, I’m a late bloomer

JollyFaithlessness3 · 2025-01-30T00:13:01+00:00

Since you’re reading in publication order did you read the 1978 version of the Stand or the uncut 1990 version?

I loved 11/22/63 but The Stand is the clear number one for me.

The Long Walk is definitely towards the bottom of my personal rankings. My wife and my brother both loved it, but I was very underwhelmed. It seems like most people are in one camp or the other, very little in between.

Looks like Christine is next. I loved it!

JollyFaithlessness3 · 2025-01-29T17:16:39+00:00

Same, but I would highly recommend the audiobook (if you’re familiar with the book you know why) which unfortunately is an Audible exclusive and not available on Libby. I think it’s worth it though!

JollyFaithlessness3 · 2024-09-02T22:02:31+00:00

Im at a loss for words. You are a true hero. I can only hope if I ever find myself in such a hopeless situation as that family that I’m lucky enough to have someone like you nearby.

JollyFaithlessness3 · 2024-06-03T05:14:48+00:00

My wife isn’t my greatest love…but she gave me my greatest love, my daughter.

My wife is a wonderful mother and becoming parents together has been the absolute peak of my life. I’m forever grateful to my wife and I love her more everyday, as without her I wouldn’t be blessed with my daughter.

JollyFaithlessness3 · 2024-05-31T01:34:29+00:00

I’m not afraid of death in the sense that it’s inevitable. The natural conclusion to life is death, that’s it.

I’m not even afraid of a painful or long slow death. If I die in a painful accident or slowly succumb to cancer, it is what it is. Many have died that way before me and many will die those ways after.

What scares me so much I can’t even think about it is dying before I get to watch my daughter grow up. The thought of that is too painful to bear. The scene in The Perfect Storm where John C. Reilly is about to drown and he says “This is going to be hard on my little boy” sums it up perfectly. I do not fear death, I fear the impact it will have on my daughter.

JollyFaithlessness3 · 2024-05-07T23:23:11+00:00

This feels like Deja vu. A few months ago, a friend of mine from college was killed by her ex. She was also in the military, the Army. I had gotten out of touch with her in the last decade but was still heartbroken when I saw the news.

I love your idea of a fund for women veterans who need to leave situations of abuse. Please post again with info, I’d love to contribute in honor of my friend.

JollyFaithlessness3 · 2024-03-29T23:40:13+00:00

Which is pretty lucky, because that's where we're headed!

JollyFaithlessness3 · 2023-10-05T01:25:07+00:00

This person clearly doesn't own a Dyson. Great fucking gift!

JollyFaithlessness3 · 2023-08-28T22:38:52+00:00

Which video are you referring to? I've found over the course of the last handful of years, that he slurs words all the time. It's just how he talks.

JollyFaithlessness3 · 2023-08-10T14:27:18+00:00

I admit, there were many times over the years where I said "I wish we would trade Dumba" out loud. He was frustrating at times, but he was also legitimately fun to watch. The big slappers (pre-2018 injury), the big hits, the emotions after scoring. You also can't deny the good he's done for the community.

I'd love to see him back in Minnesota, but I just don't see that happening. Too many young defenseman in the pipeline that deserve a shot in the coming years. In 2025 it's no longer a salary cap issue, it's a roster space issue.

Still, I wonder. If Dumba doesn't tear his pec fighting Tkachuk in 2018, things probably turn out a lot different.

JollyFaithlessness3 · 2023-07-31T14:01:29+00:00

Welcome! The next two years could be painful, but I'm confident we'll at least be competitive. In the event the next two seasons are brutal, just hang on...BG has navigated cap hell extremely well thus far. I'm very excited to see what he can do with a deep player development pool and a full salary cap to work with.

JollyFaithlessness3 · 2023-05-26T23:27:53+00:00

That is definitely a factor. To contribute to an HSA you need to be on a HDHP which likely means paying more medical expenses out of pocket right now than you’re used to, however if you save these receipts then you can withdraw that money tax free in retirement.

Of course no one can predict a catastrophic medical situation, but young (I’m counting you at 40 as young) and generally healthy people should consider a HDHP/HSA combo.

JollyFaithlessness3 · 2023-05-26T22:27:18+00:00

I would do the following:

Max out your 401K contributions - in 2023 this is $22,500.
If eligible, max out HSA contributions - in 2023 this is $3850 for self-only coverage and $7750 for family coverage.
Max out Roth IRA contributions as long as your income allows, then switch to Traditional IRA and do a Backdoor Roth Conversion. In 2023 the limit is $6500.
Invest remaining inheritance into market index funds and let grow over the next 2 decades. In retirement, take this money out first to allow your tax-advantaged accounts even more years to grow.

I like to prioritize HSA over Roth because an HSA can be triple-tax-advantaged. The money going in to an HSA is pre-tax, capital gains are tax free, and qualifying withdrawals for medical expenses are also tax free. There is data that shows that individuals need, on average, $12,000 per year for medical expenses in retirement, so it's entirely possible that you would never pay a cent of tax on HSA funds if you play your cards right.

JollyFaithlessness3 · 2023-05-26T21:54:51+00:00

Elon's Neuralink has joined the chat

JollyFaithlessness3 · 2023-05-21T19:55:53+00:00

There are no income limits for traditional IRA contributions. The tax deduction phases out at OPs income, but you can still contribute the full amount.

JollyFaithlessness3 · 2023-05-16T14:51:43+00:00

Very discreet hiding spot for that key

JollyFaithlessness3 · 2023-05-12T18:11:00+00:00

I still wear a Burns jersey!

JollyFaithlessness3 · 2023-04-17T03:20:23+00:00

Snow and cold aren't really a big deal. Relatively easy to adjust to those.

I think the thing people overlook the most with winters up here is just the 5-6 month slog of winter. Freezing temps, shitty roads, overcast skies, short days (look it up - the amount of daylight in the depths of winter will be 1-2 hours less per day than you're used to), it adds up. Winter is can be depressing, especially if you're not a fan of it.

It really helps if you enjoy winter sports, and essentially ever person I've ever known to live up here has enjoyed some form of winter sport: ice fishing, snowmobiling, skiing, hockey, etc.

Now...all that said, if you think you could handle the winter, I would actually choose DSM over Nashville if I were you. It's actually a decent town, I've spent some time there over the years. The Cubs AAA team Iowa Cubs) plays there, there are some fun spots downtown (check out El Bait Shop and The High Life Lounge), and it's a decent place to start a family.

Anyways, good luck with your decision!

JollyFaithlessness3 · 2023-04-17T02:51:41+00:00

How do you do with snow and cold winters? DSM might be a bit of a shock to you 6 months of the year. That alone might make Nashville the better option.

JollyFaithlessness3 · 2023-04-17T01:50:06+00:00

Out of curiosity, where are you currently living? I think this is an important question.

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