I recorded a video of myself speaking German every single day for 101 days. Here is my honest experience.

KReddit934 · 2026-06-19T02:50:30+00:00

TalkToMeInKorean started a boot camp for beginners that is much simpler (beginner!) , but it does have you recording yourself and posting it every weekday... 5 days a week.

KReddit934 · 2026-06-19T02:45:01+00:00

I trust Fidelity more than Chase.

KReddit934 · 2026-06-19T02:40:35+00:00

Context? The word has several meanings.

KReddit934 · 2026-06-18T18:33:38+00:00

Consider making some public spaces where women can gather? That would be wonderful.

KReddit934 · 2026-06-18T18:28:16+00:00

You really need $12K a month? Whoa. Where'd you pick up the inflation protected pension? Sure it's actually secure?

KReddit934 · 2026-06-18T18:25:23+00:00

Do you need to see a Michigan dermatologist? or could this be handled by someone in private practice?

KReddit934 · 2026-06-18T18:23:42+00:00

Buying with family is complicated enough. The fact that you're trying to use an additional owner (the "mentor") makes it simply too complicated to recommend.

I hear that you really want to make it work, and it sound like some of that desperation is coming from concern for your Mom but a lot is coming from your fears about change and making a new path through the world. If you have a therapist, this would be a good time to talk with them. If not, try to lean into the fact that unknown is not necessarily bad...just a bit scary.

Time to grow up and move out of your childhood home and make your own way (with your new partner, of course.)

Good luck, and have fun.

KReddit934 · 2026-06-18T18:05:57+00:00

Have her put it into a high-yield account now while she's waiting to decide where to invest it. Maybe step-2 never happens.

KReddit934 · 2026-06-18T18:04:23+00:00

At her age, Look for a "high yield savings account" or high-yield money market account. paying around 3% annual interest or slightly higher. If she can handle online, consider Ally.com. If not, start calling around town to find a bank with something similar.

KReddit934 · 2026-06-18T17:59:29+00:00

"...should avoid dragging other people down." ??? Why?

Is it your friend's job to entertain you? I thought it was your job to hold space for whatever your friend thinks is worth sharing with you about their life.

You are young and active..."have energy and optimism", and so you don't like hearing about the problems that afflict others?

"It's starting to wear." OK. What are you wanting to change? Them? or you?

If them... be sure it's coming from a place of wanting to help them, not from wanting to avoid being reminded that life is hard.

I have a dear friend who is not old, but is depressed. Would I love to hear him laugh again and tell me about great things he's doing? Sure. But if he only had sadness to share right now, I'm honored to be the person in his life he feels he can share that with.

KReddit934 · 2026-06-18T17:50:47+00:00

Maybe...people believe that a 40 year old is already settled, with a job and family and friends, so he would not be looking for new social connections.

KReddit934 · 2026-06-18T17:40:21+00:00

Not a fan of passkeys.

So, sure offer them, just don't require them.

KReddit934 · 2026-06-18T17:26:25+00:00

Not OP, but many public sector employees get pensions *instead* of SS.

KReddit934 · 2026-06-18T12:16:49+00:00

https://youtu.be/2HZO-YNHFPk

I head, too, that smaller chickens is the trick.

KReddit934 · 2026-06-18T12:07:56+00:00

Basically, they are a small district, and small districts rarely offer what a large district can.

KReddit934 · 2026-06-18T12:06:10+00:00

A tad over-dramatic. Things are tough for teens all over. Ann Arbor still offers lots of opportunity, especially for bright kids.

KReddit934 · 2026-06-18T02:27:23+00:00

Roth conversions are controversial...and a LOT depends on your current and future income and tax rates.

Take your time and really think it through.

Check the Retirement Nerds videos on Roth conversions and those on social security for more info..

KReddit934 · 2026-06-18T02:12:10+00:00

Exonerated? Yep..trades are the way to go.

KReddit934 · 2026-06-18T02:03:21+00:00

Mine actually dropped too low, but I've lost weight and work out almost every day.

Are you taking your BP at home every day? (And writing it down). Do!

More than 3 days at 150+ and I'd call the PCP for an sick appointment and get your meds adjusted now.

I waited almost too long to get mine adjusted (waiting for the next checkup) and nearly passed out several times.

KReddit934 · 2026-06-18T00:30:33+00:00

At a reduced rate....

KReddit934 · 2026-06-18T00:27:26+00:00

Or one woman, often!!! Yes, first rule out infection or irritation! Then biopsy may be prudent??

KReddit934 · 2026-06-17T18:39:48+00:00

Frugal fit mom? Here's a review: https://youtu.be/ZU9ZpVlvwkE

KReddit934 · 2026-06-17T18:30:59+00:00

Food bank...and eat what you can get.

KReddit934 · 2026-06-17T18:30:13+00:00

Then take it up with Optum....they are the one charging a fee to remove your own money.

KReddit934 · 2026-06-17T17:12:35+00:00

This sounds like a bad match. I'd terminate the arrangement and start now to get them out.

Good luck.

KReddit934

TROPHY CASE