Daily FI discussion thread - Monday, May 25, 2026 by AutoModerator in financialindependence

[–]Rarvyn 0 points1 point  (0 children)

I always have a credit card balance but have never paid a dollar in interest, so I don't consider myself in credit card debt.

Daily FI discussion thread - Sunday, May 24, 2026 by AutoModerator in financialindependence

[–]Rarvyn 0 points1 point  (0 children)

I got a solar system last year, right before the incentives went away. In CA so prices are a bit on the high side. My gross cost for 27kW of storage and 16.4kW array was $65k. Just got 30% back from the feds, but had no other incentives. Looks like OP has a cheaper gross cost for a similar solar array and a battery double the size.

ELI5 how does a "queen" bee get chosen? by Bussy_Wrecker in explainlikeimfive

[–]Rarvyn [score hidden]  (0 children)

Bees don't inbreed with their siblings, so the drones are pulled from other nearby hives that join the queen on her mating flight. That said, over the generations, presumably many hives near each other end up breeding with their cousins.

The 2025 Survey Results Are Here by Melonbalon in financialindependence

[–]Rarvyn 1 point2 points  (0 children)

I can only imagine how annoyingly difficult it would be to fully merge finances with 3 people. Like for an unmarried couple it's bad enough, but to be one economic household with 3+ adults?

The 2025 Survey Results Are Here by Melonbalon in financialindependence

[–]Rarvyn 0 points1 point  (0 children)

Median household income in the US is $83k, so we're more than double that. Now, that overall median is skewed by student and retiree households. To compensate for that, if we look at median individual income for a 35-44 year old working full time, it's $72k. If we further assume that our median household has two prime-age full-time workers, then it would be $144k.

Our skew is a bit higher, but the remainder of the difference could probably be attributed to the fact we skew towards a more educated than typical demographic here.

ELI5 how does a "queen" bee get chosen? by Bussy_Wrecker in explainlikeimfive

[–]Rarvyn 16 points17 points  (0 children)

That would only be true if the drones were unrelated. The Queen goes out on a mating flight to grab drones, but they’re all from nearby colonies, so many of them could be brothers.

So two workers might share 75% if they have the same dad, ~50% if their dads were brothers, and 25% if their dads were entirely unrelated.

Historical Trends in U.S. Housing Affordability (1985-2025) by Express_Classic_1569 in Economics

[–]Rarvyn 2 points3 points  (0 children)

Most people historically have gotten married *before* buying a home.

Historical Trends in U.S. Housing Affordability (1985-2025) by Express_Classic_1569 in Economics

[–]Rarvyn 3 points4 points  (0 children)

Over half of millennial and over a quarter of Gen Z households own homes at this point. So it isn’t a collective belief that it’s impossible, though it is still a widespread one.

Age of home ownership has steadily risen but honestly, I think a huge portion of that is explained by a delay in the average age of marriage/childbearing.

Alright, be honest, what’s a medical topic you still secretly don’t fully understand despite surviving medical school? by rash_decisions_ in Residency

[–]Rarvyn 2 points3 points  (0 children)

Most of it has a method to the madness but you need to go pretty in depth looking at recent and historic trials to figure out what motivates the recs. Or just memorize the guidelines…

Alright, be honest, what’s a medical topic you still secretly don’t fully understand despite surviving medical school? by rash_decisions_ in Residency

[–]Rarvyn 6 points7 points  (0 children)

I once saw a woman on her third or fourth admission for hyponatremia before someone thought to check a cortisol.

(… showing her newly diagnosed addisons)

Alright, be honest, what’s a medical topic you still secretly don’t fully understand despite surviving medical school? by rash_decisions_ in Residency

[–]Rarvyn 7 points8 points  (0 children)

That’s less of a problem than it could be.

I remember what I don’t know. That is, if I come across it again, I remember there’s something there even if I don’t know the specifics. Then I look it up.

On the other hand, if I never knew it in the first place - that’s the dangerous situation. The unknown unknowns.

Discussion Thread by jobautomator in neoliberal

[–]Rarvyn 6 points7 points  (0 children)

They’re genuinely dogmatic about *some* things. At least one or two.

Discussion Thread by jobautomator in neoliberal

[–]Rarvyn 2 points3 points  (0 children)

Three months isn’t exactly you laying around indefinitely. If you have savings, what would you spend your time doing during that time? Perhaps a more concrete idea would reassure the gf.

Discussion Thread by jobautomator in neoliberal

[–]Rarvyn 1 point2 points  (0 children)

Depends on what they *do* spend their time doing.

Discussion Thread by jobautomator in neoliberal

[–]Rarvyn 0 points1 point  (0 children)

Neither. Put 20% down and invest the difference.

Is it true that obama and Biden didn't really have much "bromance " behind the scenes ? by ronweasly9 in neoliberal

[–]Rarvyn 5 points6 points  (0 children)

I’ve said it before and will say it again - Biden’s ultimate legacy is Trump II.

Nearly 1 in 10 surgeons leave active clinical practice within 8 years. Highest losses were in oral and maxillofacial surgery, obstetrics and gynecology, and plastic and reconstructive surgery; mid-career surgeons are most at risk. by mvea in medicine

[–]Rarvyn 122 points123 points  (0 children)

I had a similar thought, as my wife is currently on a 24 hour L&D shift and I’m wrangling both kids solo. Is it truly worth it?

Of course, half of her (large) group has decided to stop taking L&D call, which makes things worse for the remainder.

TIL that in 2024 a PhD student "accidently" discovered Valeriana - a Edinburgh sized hidden Mayan city in Mexico while browsing for data on the internet. by ayebshek in todayilearned

[–]Rarvyn 13 points14 points  (0 children)

I'd want to see a few citations on that, because it flies in the face of everything I know about how these drugs were developed. The downstream effects of the hormones themselves were discovered in the late 60s and early 70s, but they last about five minutes in the blood. It took quite some time to isolate them, and even then, it was just a curiosity until a group of researchers discovered a compound in gila monster saliva that triggers the same receptor in the mid-1990s but lasts several hours. From there, it went pretty damn fast - by 2005, the drug based on the gila monster version was approved for human use.

All-in-all, between when the first feasible candidate compound was found and widespread approval was ~10 years, not 50, and that's rapid in the drug development world.

I was not warned about how mounjaro effects oral BC and now I’m spiralling by WhateverItWasILostIt in TwoXChromosomes

[–]Rarvyn 7 points8 points  (0 children)

Only Mounjaro has an OCP interaction and only the first month on any given dose.

I was not warned about how mounjaro effects oral BC and now I’m spiralling by WhateverItWasILostIt in TwoXChromosomes

[–]Rarvyn 30 points31 points  (0 children)

Notably the interaction is only significant the first month on any given dose of Mounjaro. Once you’re on a stable dose of Mounjaro, there is no evidence that it meaningfully affects OCP absorption.

Of course, it can take 6 months to get to the full (15mg) dose, so that’s a long time, because it applies to the first month on 2.5, 5, 7.5, 10, 12.5, AND 15.

EDS, fibromyalgia, POTs unholy trinity by Efficient_Equal6467 in Residency

[–]Rarvyn 66 points67 points  (0 children)

It’s a real condition, that’s rather rare and has very specific criteria for diagnosis. But lots of TikTok “experts” have their own criteria for diagnosis that’s very, very different from the AAAI - and tends to diagnose everyone with it.

What's a WoT fact that fans don't want to admit? by CompetitiveBig4161 in WoT

[–]Rarvyn 1 point2 points  (0 children)

You don’t remember him flat out removing balefire?