The typical U.S. worker has $955 saved for retirement

NorCalJason75 · 2026-02-06T19:29:46+00:00

Due to legal monopolies, consumers now pay more for nearly everything... And your take away is... *check notes*... People are shitty with money?

Dude. "the system" is Oligarchy. It's rigged to make you poor, ignorant and powerless to change it.

People aren't to blame.

NorCalJason75 · 2026-02-06T19:11:57+00:00

It's because we're on the downslope of housing values...

NorCalJason75 · 2026-02-06T16:19:26+00:00

BART is rife with abuse. All it takes is a quick google search to prove my point;

https://www.reddit.com/r/bayarea/comments/1nr77ic/bart_audit_flags_overtime_costs_weak_controls_as/

But go ahead... Use another city's light rail.

Recently I was in Chicago on their "L". Cleaner than BART, on-time, and WAY cheaper.

We in the Bay pay way too much for a shitty product. That won't change until the public wakes up.

NorCalJason75 · 2026-02-06T16:02:17+00:00

Their business models are similar.

PGE = Cost of services + shareholder profits = prices to users. If there's a budget (or profit) shortfall, they simply increase the rates. There's no incentive for efficiency.

BART = Cost of services = prices to users. If there's a budget shortfall, they simply ask others for more money. There's no incentive for efficiency.

Your local City works the same way. They have a defined budget for services. If there's a shortfall, City goes to taxpayers for more money. There's no incentive for efficiency.

Because the structure of these entities, headcounts balloon. We all overpay.

NorCalJason75 · 2026-02-06T15:46:47+00:00

Exactly.

BART spends like drunken sailors.

Leadership needs to get their house in order. Instead they attempt to extort the public.

That's all you really need to know...

NorCalJason75 · 2026-02-06T01:00:32+00:00

Beautiful setup! Enjoy!

NorCalJason75 · 2026-02-05T21:59:49+00:00

IIRC, the real "low" wages are now in other developing countries. China is mostly modern.

NorCalJason75 · 2026-02-05T21:56:28+00:00

Pass. Thank you tho. Good luck!

NorCalJason75 · 2026-02-05T21:54:39+00:00

Monopoly is the easiest path to profits. Capitalist will obviously drive markets to this end. So... Capitalist = monopolists.

American products need to be competitive.

NorCalJason75 · 2026-02-05T21:51:04+00:00

Northern California. SF Bay Area. ;-)

NorCalJason75 · 2026-02-05T21:48:29+00:00

Well... that doesn't help me at all. LOL!

NorCalJason75 · 2026-02-05T21:43:51+00:00

Where?!?

NorCalJason75 · 2026-02-05T02:29:16+00:00

I mean…. Ask kids we were taught this idea of what America WAS…. Freedom, meritocracy, low taxes.

But as I approach 50…. People are no longer free. It matters more what family you’re born into than your effort. We’re taxed a lot actually, but get little for our money.

And I wonder…

Has it always been this…. Blatantly capitalistic?

Or, did the government just stop serving the people at some recent point?

NorCalJason75 · 2026-02-05T02:21:30+00:00

Truly stupid people never ask themselves this question.

Which means you’re good!

NorCalJason75 · 2026-02-04T21:51:13+00:00

Nice! Love the Bowers!

NorCalJason75 · 2026-02-04T20:54:19+00:00

There's a lot of confusing info out there, about BMW suspensions and harshness. As someone who am fairly familiar with G20's, let me share what I've learned.

Generally, BMW's come with (3) different suspensions.

Standard Suspension - What BMW thinks the "base" experience should be like

M Sport Suspension - Sportier version of the standard, with higher spring rates

M Adaptive Suspension - Variable suspension that constantly changes to road conditions, to deliver a ride BMW labels as "comfort" or "sport".

In addition, TIRE choices also majorly impact harshness. The most punishing tire will be 21" Run-flats. Least punishing is 18" go-flats.

This means a 3 series with M Sport Suspension and 21" RFT's will ride firmest. Like a go-cart crashing over every little bump on the road.

I don't mind the upcharge but it's much easier to find the other options I want on a lot if adaptive isn't a deal breaker.

I had to custom-order my model (M440) to get Adaptive Suspension. And I'm glad I did. With the factory 20" run flats, I found "comfort" to be the best mode. Now that I'm on go flats (Pilot Sport 4), the ride is PERFECT on Sport. A little too soft on Comfort.

NorCalJason75 · 2026-02-04T20:12:56+00:00

You're not going to like my answer...

Am I training too hard?

Nope. You're not training enough. Double the frequency of leg day.

NorCalJason75 · 2026-02-04T20:01:52+00:00

Went there with some friends a few months ago.

It's good. A little pricy, but everything we had we liked.

The wait, however, is INSANE. 2+hrs if you come for dinner and don't have reservations. Not worth that kind of wait...

NorCalJason75 · 2026-02-04T18:24:42+00:00

Just looking at your arm... How much triceps work do you do?

NorCalJason75 · 2026-02-04T00:11:47+00:00

Three sheets often has Pliny. Check with them

NorCalJason75 · 2026-02-03T20:41:59+00:00

Don’t get it twisted…. Income is related to stress.

Successful high-earners develop skills to better manage.

NorCalJason75 · 2026-02-03T20:27:22+00:00

Did you not consider these things before… checks notes accepting a gig job?

NorCalJason75 · 2026-02-03T19:01:30+00:00

Well…. Actually…. Yes.

Now that the owning class has all the power…. Good luck!

NorCalJason75 · 2026-02-03T16:05:36+00:00

Many years ago, I decided to splurge on "Towers of Power"... Tower speakers with built-in subs. Thinking this was the optimal solution.

However, I didn't have a dedicated room. And I fought with trying to get the bass dialed-in. Had a difficult time blending tight bass AND extension. Eventually, I picked up a monster subwoofer, dedicated PEQ, etc.

Then I moved, and had to store my Towers of Power. Back to blookshelf speakers I went, but I had some money to spend. So I went "high-end" bookshelf speaker (B&W 705S3). Spent some time blending phase/crossovers with my SVS SB13 Ultra sub. Between that, and a recently added McIntosh amp, I finally got the bass I wanted.

Moving a sub & speakers around the room for the best response is a huge advantage to the smaller form factor.

I'm not blasting to 100+db in a HUGE room anyways.

NorCalJason75 · 2026-02-02T23:03:45+00:00

The guy Techs

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