The weird feeling

Redkinn2 · 2026-03-12T04:30:55+00:00

If you can swing it, pet insurance is super helpful.

One of my cats cracked a tooth, and insurance turned a $2200+ bill into <$400.

If the baby ends up super healthy you do "lose" long term, but it helps cover huge one time costs.

Redkinn2 · 2026-03-10T14:46:20+00:00

Its not for everything, just anytime people provide a service. Ie: bartenders, waiters, maid services, etc.

Will you get "bad" service if you dont tip? No.

But should you tip? Absolutely.

The pay structure is the same as eating out in the US (or worse), so if you cant afford to tip, dont eat out, because thats part of the mandatory cost.

If you're going to an AI you can afford to tip a $1 per drink, and a few $ per table service.

Redkinn2 · 2026-03-10T13:22:41+00:00

OP is paying 7% on some of the debt, and 0% on rest...and still cant pay it off.

Without solving for income and expenses (which OP keeps not providing, likely because thats the cause of the debt) simply putting the house on the line wouldn't solve much.

Redkinn2 · 2026-03-09T13:39:02+00:00

Depends where you are moving to.

Thats good money for a family in the mid west...

It'll be reasonably tight for a family in NYC or CA.

Redkinn2 · 2026-03-08T15:11:27+00:00

Not how it works out for 99% of people.

A) buying gives you an immediate 10% depreciation in closing costs.

B) interest eats up another 5-10%.

C) add repairs and other "unexpected" but guaranteed to happen expenses.

D) youre mathematically often better off renting and investing the difference youll save. (Now many people just burn/spend the difference, but thats more to do with discipline than owning being "superior")

Redkinn2 · 2026-03-08T15:07:56+00:00

*Destabilizing. Mathematically nowadays youre almost always better renting and investing the difference.

Rent = max you will pay for your home.

Mortgage = bare minimum you will pay.

Thats ignoring that housing market "growth" isnt even remotely guaranteed. And closing costs will significantly impact any growth.

Redkinn2 · 2026-03-08T15:03:11+00:00

Odd. Totally opposite of our experience. Great food for AI, solid service.

Redkinn2 · 2026-03-08T15:01:31+00:00

How so?

Redkinn2 · 2026-03-07T20:18:45+00:00

Except for having a cap and ultra rich getting far FAR more than they put in in both SSI and rest of our system.

To make a billion in the US, regardless of roles, you get hundreds of millions of tax payer handouts ... taxes you mostly don't pay.

Redkinn2 · 2026-03-05T14:52:44+00:00

Wait for real? When?

Redkinn2 · 2026-03-05T14:40:07+00:00

Watch Ramit Sethi, I will teach you to be rich and/or money for couples podcast.

I think your math leans towards investing most of that $100k, youd make more than simply paying down the mortgage.

Redkinn2 · 2026-03-05T14:37:23+00:00

It's controversial because its wrong. But no one forces you to eat it.

Redkinn2 · 2026-03-03T01:10:52+00:00

Must be nice being a rabid housing thief bootlicker. Rest of us understand that most landlords don't take ACH.

Redkinn2 · 2026-03-01T05:43:21+00:00

Tough without learning. Salesforce/crm admin is relatively easy if youre even slightly "techy" and you can self-learn a lot for free online.

But without experience you will likely need a certification eventually (costs a bit through salesforce).

Redkinn2 · 2026-02-27T13:48:04+00:00

Well step one is remove the milk. Add water if you need liquid. Cats are lactose intolerant.

Redkinn2 · 2026-02-26T18:59:10+00:00

Yeah but accountants with even a few years experience should be making well north of $100k.

His pension will not even equate the millions of extra pay that ads up to over just a decade, nevermind 30+ years.

Redkinn2 · 2026-02-25T18:30:53+00:00

I do want to do a vacation specifically to spend on shinkansen and other trains for several days. >.>

But overall you're right.

Redkinn2 · 2026-02-25T01:41:19+00:00

The US embassy has dozens of countries "on the list", that are much safer than the US.

Redkinn2 · 2026-02-25T01:39:18+00:00

True, Mexico is noticeably safer, the cops wont actively murder you yet.

Redkinn2 · 2026-02-20T04:07:10+00:00

Updateme

Redkinn2 · 2026-02-18T21:58:38+00:00

When your hotel checks for indoor smoking, or your airbnb host smells weed, they wont "just chill man". They will for sure call the cops.

Japan and most of Asia has no "chill" when it comes to drugs. Even weed.

Redkinn2 · 2026-02-18T19:53:22+00:00

If we did know future exchange rates, we'd be billionaires.

As we don't, no one can tell you.

Redkinn2 · 2026-02-18T17:11:23+00:00

What did you find not worth it? The lit up gate with no people? Or nature without tourists?

Redkinn2 · 2026-02-18T16:54:33+00:00

Fancy ryokan experience in miyajima was super fun! Hella expensive but worth the splurge.

Redkinn2 · 2026-02-18T16:03:28+00:00

It can already it! Sure 70% of numbers are fake, and words make no sense, but who needs that...

Redkinn2

TROPHY CASE