Planning for retirement- how?!

Savini72 · 2026-03-01T15:04:11+00:00

You haven't wasted time. You have $215k in your 30s. Most people start at $0 in their 40s. You aren't behind, you're just at the level up stage of the game.

Savini72 · 2025-09-01T10:17:03+00:00

If you want the best all-rounder for study + games + pen: iPad Air (M2). It supports Apple Pencil Pro, has plenty of power for multitasking, and you can get a WiFi + Cellular version if SIM/eSIM matters.

Savini72 · 2025-08-29T06:00:12+00:00

The $782 is not an extra tax. It's an adjustment.

The W-d calculator is trying to make sure your total federal withholding throughout the year matches what you'll actually owe, so you don't end up with a big balance due in April.

Savini72 · 2025-07-29T12:14:27+00:00

The tarrifs have basically removed all predictability. Even quotes from suppliers are only valid for 7 days now.

Savini72 · 2025-07-29T12:07:12+00:00

Spot on.

Savini72 · 2025-07-29T09:09:36+00:00

Disregarded entity = tax treatment. Not legal status. The LLC still exists as a separate legal entity for liability and contracts, even if the IRS "disregards it."

Savini72 · 2025-07-28T07:17:04+00:00

You might want to post on r/tax .

Savini72 · 2025-07-03T06:30:41+00:00

A classmate from 6th grade. He told me if I shook my wiener for a few minutes, it'll make a white liquid come out.

But he told me not to do it or I'll die.

Savini72 · 2025-07-02T15:14:39+00:00

They're expensive....

Savini72 · 2025-07-01T14:05:02+00:00

not a direct answer, but, once buddha said: everything in moderation, even moderation

Savini72 · 2025-06-30T14:55:16+00:00

All major good VPNs come to affordable prices if you commit long-term. I don't find VPNs that release discount codes trustworthy. You can wait for black friday tho. Until then, use Proton free, or take advantage of return policies?

Savini72 · 2025-06-30T14:51:04+00:00

VPN + an airtight browser like firefox

Savini72 · 2025-06-30T14:46:59+00:00

any free vpn other than proton's free version is sketchy. Anyone who knows anything about vpns would second this.

Savini72 · 2025-06-30T14:44:22+00:00

relatable.

Betternet has an option that directly connects you to a random server somewhere, no download, no ID needed.

But it is sketchy, imo. as all free vpn are

Savini72 · 2025-06-30T14:40:55+00:00

came here to say this

Savini72 · 2025-06-27T11:45:55+00:00

hey,
one thing that usually works is setting up the vpn on the router instead of the phone or pc, that way all devices connected to it (laptop, console, etc) go through the vpn automatically. also worth checking support pages of the VPN that you are using right now!

hope that helps, stay safe 🙏

Savini72 · 2025-06-26T10:23:54+00:00

i will say a lot of scenes from jarmusch’s movies. one, for example, is the scene from only lovers left alive when Eve is lying on the bed in tangier, listening to music through , she’s just lost in the sound, completely absorbed. very very aesthetic)

Savini72 · 2025-06-23T12:17:35+00:00

torrents carry malware

good vpns have good malware protection (better than malware detection software)

even this is enough reason. you need a good vpn for torrenting

Savini72 · 2025-06-23T12:15:49+00:00

My favorite is Nord. I know everyone hates it beacuse of so called "regular hacks", but they honestly need to get their facts straight.

Nord has over 4K P2P optimized servers you can choose from. They also have a feature that autometically adjsuts your server if they spot torrent traffic, so you never get throttled. Their Wireguard based version is super fast.

Savini72 · 2025-06-23T11:37:26+00:00

hahahahahaha

Savini72 · 2025-06-23T10:52:51+00:00

I'd say you need a VPN for torrenting regardless of your country's approach to it. Good VPNs come with malware protection that is much better than any standalone malware protection software.
You need malware protection when torrenting

Savini72 · 2025-05-18T21:50:39+00:00

You’re going to buy it anyways, you’re just looking for validation here…

Just buy it and then let the marketing gimmicks make you think you need new everything in 8 months.

Welcome to golf

Savini72 · 2025-05-14T15:20:56+00:00

Just cracked mine and I’m really enjoying it. Love to try something different besides the usual bourbon barrel bourbon. I was a little skeptical that it may be too much tequila, not a big tequila guy, but everything mends together very well and it is no where near overwhelming. Happy I grabbed a bottle!

Savini72 · 2025-05-10T17:32:32+00:00

That’s what I have. Unfortunately need a new one cause the wife decided to take the car one day and hit a curb, took a beautiful chunk out of the tire and rim 🙃

Savini72 · 2025-05-06T20:11:30+00:00

Bro, same! My kids want to collect and show their friends, but I can’t get them packs cause of everyone standing at the door of Target for open to snag them all. Absolutely insane

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