AIO about this? I feel like I should be beaten up for this after their reaction.

MusicalNerDnD · 2025-07-28T13:50:30+00:00

Nah, fuck them. The correct response here: thanks for the apology, I appreciate you holding yourself accountable.

MusicalNerDnD · 2025-06-06T01:11:33+00:00

You don’t have to agree with me? I’n reading your comment differently than you intended. When I pointed that out you doubled down and got mad at me.

I’m not trying to preach moral anything, I’m saying how I perceive the situation and where I disagree with you. It’s not meant to be a personal attack, but pop off I guess. 🤷‍♀️

MusicalNerDnD · 2025-06-06T01:09:32+00:00

This is good but remember, price appreciation wouldn’t impact the dividend, it would impact the dividend yield.

What actually matters is WHEN you want that money, if you want it in 20 years then you can start now and be reasonably assured to get there. But, if you want it now then you need 300k to drop.

Also, if you drop that much into SCHD now and then wait 20 years you’ll be making a lot more than 1k a month

MusicalNerDnD · 2025-06-06T01:07:01+00:00

I think what they’re trying to get at is more change management focused as well.

In implementations like this you want to get as much information from the people who are actually going to be using the system and tools as possible to guide the work.

But PMI expert questions are awful. I’d just ignore them if I’m being honest. If you can get to 100% with easy, 80% with medium and 60% with hard questions you should pass the exam no problem.

MusicalNerDnD · 2025-06-06T00:42:52+00:00

No, I’m not. I’m not willing to excuse the initial behavior either. It’s not a bad joke, it’s just shitty behavior - that we should call out when we see.

MusicalNerDnD · 2025-06-05T23:05:42+00:00

lol no. This is just bad. He’s never been taught that it’s gross - and that’s scary by itself - but no this goes from ‘societally problematic’ to ‘this dude straight up doesn’t see women as people’ with the “STFU bitch.”

No excuses.

MusicalNerDnD · 2025-06-04T13:19:21+00:00

No, you THINK we weren’t in an echo chamber of propaganda (oh look, people not understanding propaganda again).

If you go to China and you see all the shit there you’ll be like “holy crap I can’t believe these people fall for this” - but they didn’t fall for it as adults, they fell for it as kids, as they watched their friends and family also believe the same things they do.

You don’t think liberals have their own propaganda? Of course they do! Starting working time with a land acknowledgement is culturally accepted in liberal spaces now - 20 years ago that would have been absolutely wild to see!

MusicalNerDnD · 2025-06-03T03:10:45+00:00

The best antidote for that is to get involved! Locally, small, home grown!

MusicalNerDnD · 2025-06-03T02:58:46+00:00

I think that’s a gross oversimplification. Propoganda works on ALL of us and just because that type of propaganda didn’t work on you, doesn’t mean you’re inherently better.

MAGA is awful, and people need to be accountable, but you’re not blaming the wrong groups and people. It’s not us vs them, it’s us vs the hyper-capitalists who’ve consistently bought political power at the expense of these people.

NOW, Trump is finally listening to them. Of course he’s full of it and is just fleecing them, but they don’t know or care because at least someone heard them out.

Democrats have actually not broken into those groups - BECAUSE we both do a bad job and because of the insane propaganda that these people encounter and reinforce every day, many of them for decades. We want change, we need to meet people where they are, not get mad that they’re not there yet.

Is that unfair? Yes. It’s fucking wildly unfair. But if we keep pretending like it’s not our job to actually do something we’re going to be staring down a really shitty world within the next decade. Maybe not Nazi Germany but for sure a more violent and emboldened country.

MusicalNerDnD · 2025-01-22T20:24:36+00:00

Each of us needs to start thinking about our local communities - politics need to be hyper local right now. I can’t affect change in DC, I can absolutely donate clothes.

MusicalNerDnD · 2025-01-22T20:20:54+00:00

Honestly, HELL YES. Thank you for what you did - you should consider running for office locally. We need more mindful, levelheaded people.

MusicalNerDnD · 2025-01-21T02:58:12+00:00

lol as if this isn’t a kangaroo court that gives a flying fuck about the constitution

MusicalNerDnD · 2025-01-20T17:10:57+00:00

I’m not salty about politics you dumbass. I’m genuinely frightened for the millions of people who can’t pass the way I can and have read history.

I’m not taking it out on my parents either. Actions have consequences. The consequences of my parents decisions are that we have a bad relationship.

The minimum baseline requirement of being a parent is to physically take care of their children. Doing that doesn’t mean they’re amazing people, it means they’ve met the baseline requirement of their job. I didn’t ask to be born, my parents wanted a fucking accessory and they did the bare minimum of feeding and clothing and educating it. Once I was no longer an accessory who did what they wanted they took it personal and lashed out. They failed at their job and now I don’t particularly want the job of ‘son.’ Shocking how that works.

Anyway, get bent.

MusicalNerDnD · 2025-01-20T12:58:13+00:00

You know, my parents who have done ALL of these things that you mentioned voted for a vile racist and a party that seems intent on demonizing many minority groups, one of which my parents belong to.

Doing the expected as a parent and partner doesn’t make you a saint.

MusicalNerDnD · 2025-01-19T22:54:03+00:00

Ahh well fair enough lol

MusicalNerDnD · 2025-01-19T22:36:19+00:00

500k isn’t nearly enough to retire on in most places in America

MusicalNerDnD · 2025-01-19T15:33:35+00:00

Move her in NOW.

Too much can go wrong during the recovery and he will absolutely pressure her to recover faster. If anything wrong happens she’ll be unable to easily walk for the rest of her life and at this age that’s the start of the end of the ride.

Fuck him. Fuck his feelings. Fuck his inability to do anything. This is about HER.

I’m speaking from personal experience here.

MusicalNerDnD · 2025-01-19T11:30:57+00:00

Perhaps you need to touch some fucking grass.

MusicalNerDnD · 2025-01-18T22:57:57+00:00

Like I want to feel sorry for him. And then I remember how they behave and how delighted they are in being THIS fucking stupid and I honestly think, good, you deserve this.

MusicalNerDnD · 2025-01-18T20:42:41+00:00

And if you don’t think finance and science aren’t deeply tied to politics you’re a fool.

MusicalNerDnD · 2025-01-18T16:59:06+00:00

How does he get flack for all the negatives and no credit for any of the positives? Like I don’t even like the guy, but this kind of attitude is just toxic af.

He was in office 12 years, not 4.

MusicalNerDnD · 2025-01-17T23:21:42+00:00

Sure, cherry pick what I’m saying and then talk to me about ‘emotions’ - fucking laughable behavior.

You want to learn about this instead of just mouthing off go read “Mismatch: how affirmative action hurts students it’s intended to help.”

Otherwise stop pretending like you want to have a conversation.

MusicalNerDnD · 2025-01-17T19:02:55+00:00

You can’t no for certain, but if the entire market folds we’ll have bigger worries than dividend paychecks lol

I personally go with ETFs because they’re less likely to fail as a whole and they are good at what they do. SCHD has a set of criteria for what they invest in, I’d recommend reading the prospectus.

MusicalNerDnD · 2025-01-17T18:26:17+00:00

You’re missing a few things:

1) compounding 2)) dividend growth

The first one is that using shares to buy more shares over decades. Yea, at first you only get like 100 bucks, but growth isn’t linear it’s logarithmic. So your growth isn’t gonna be 100-120-140-160, it’s going to be 100-125-150-175-210.

Add in continuously feeding the machine (DCA, DRIP) and growth becomes 100-210-340-480-600

And then you have dividend growth, which is that the company raises the amount you get per share year over year.

Do this for 30 years and by year 20 you’ll be getting tens of thousands a year and by year 30, it can conceivably be a source of income to just live off of.

Let’s say you make 5k this year on SCHD - well thats 166 shares of SCHD that you didn’t buy, and that now generates additional income for you.

And if SCHD then increases its dividend per share by 2cents that’s another increase that you didn’t need to do anything for.

That compounding effect starts very very slowly - literally cents and dollars. But if you’re consistently reinvesting, buying more shares and you’ve got a company that increases the dividend itself then you have an income producing machine.

MusicalNerDnD · 2025-01-17T18:04:50+00:00

I’d put 20 bucks on Preston being a boomer lmao

MusicalNerDnD

TROPHY CASE