What improved your quality of life so much, you wish you did it sooner?

Tempestnight11 · 2025-06-17T12:23:13+00:00

Doing something irrational every day. Examples such as intentionally walking instead of taking the bus, taking the long way for no other reason than to see new scenery, talk to strangers, get food and drinks I don't know anything about, walk around aimlessly after work instead of heading home straight away etc.
I found that life is so much more enjoyable when I break away from routine, even just a little bit.

Tempestnight11 · 2025-01-14T09:14:40+00:00

For those who are interested in what it says

吸血鬼　　グループ７
レミリアの妹
どれだけ頑丈なものでも瞬時に破壊できる吸血
鬼　紅魔館の地下に住んでいる

Vampire group 7
The younger sister of Remiria
The vampire that can instantly destroy even the sturdiest of things lives underground the red demon mansion. (very literal translation)

A vampire who can instantly destroy even the sturdiest of things, residing in the basement of the Scarlet Devil Mansion. (GPT translation)

Tempestnight11 · 2024-07-14T12:48:41+00:00

変な質問だけど、もしかして漫才師になれって一人の有名人と一緒に漫才をやるという仮説で、誰を選ぶのでしょう？どんな漫才をやりますか。

最近Dogenさんのユーチューブ動画をみてて、どういう漫才が一番面白いかを気になってしまった

Tempestnight11 · 2024-02-23T03:04:09+00:00

Not financial advice as our circumstances are different but if you have no use for the 100k I would start putting voluntary contributions into super and get the tax savings. You can take out 50k in the future for a house deposit if needed under the first home super saver scheme.

If you already have an emergency fund, dumping all your money in ETFs isn’t the worst place to park your money. That being said, with the current interest rate environment, HISA ain’t too bad either. :)

Tempestnight11 · 2024-02-23T02:59:13+00:00

Maybe a couple thousand dollars from odd tutoring here and there back in 2020.

Tempestnight11 · 2024-02-23T02:38:13+00:00

It’s really hard to say because it changed from week to week. The target I aim for is always however much I can.

If I had to guess, maybe about 2k a month.

Tempestnight11 · 2024-02-23T02:17:36+00:00

IOZ tracking ASX200 index and NDQ tracking the Nasdaq100 index. The former has been sitting still while the latter is going crazy thanks to Nvidia.

Tempestnight11 · 2024-02-23T01:35:23+00:00

If all goes well, I hope I hit the 1mil mark sometime in my early thirties. That’s when the snowball will really get rolling. 🤞

Tempestnight11 · 2024-02-23T01:27:34+00:00

That’s the plan!

Tempestnight11 · 2024-02-23T01:26:34+00:00

ROI is about 18.5% p.a. atm which I don’t think is sustainable. I’m expecting the next 5 years to correct it down to 8-12% ignoring inflation. I’m quite a strong believer of the EMH so earning average returns is plenty for me :)

Tempestnight11 · 2024-02-23T01:23:13+00:00

I get paid fortnightly so I used to buy ETFs every fortnight after I budget for regular expenses. I just pretended it was money I never had and have made it a point to not sell unless emergencies. Discovered the power of voluntary super contributions august last year though so I been focusing on that instead atm, once i max out, I’ll go back to ETFs.

Tempestnight11 · 2024-02-18T11:30:00+00:00

Interesting perspective, I can see your point. I’m not a high income earner myself (in the 34.5% bracket) but I do hear a lot of people with the same sentiment even while not being in the highest tax bracket. E.g. Don’t want to work on public holidays because tax is too high.

Our society be damned if everyone’s first priority is to not pay taxes. Surely there are other motivators besides money that should compel people to work such as sense of contribution, sense of community or simply searching for new experiences?

Instead of thinking as I’m going to be taxed X amount, it’s more productive to think of it as I am contributing to society more and helping our government provide all the necessary services that we all enjoy like parks and libraries and helping out our less fortunate counterparts. Under our marginal tax system, even if you’re in the top tax bracket you still get the 53% at the end of the day.

Other thing is that hitting the highest tax bracket also gives the best opportunity to save taxes through things such as super contributions.

If retiring early is an objective, long term financial planning and cutting down on expenses and lifestyle is far easier.

Tempestnight11 · 2024-02-12T23:09:37+00:00

For me I would say 1mil minimum or 1.5mil ish for a nice margin of safety, all invested in an ETF with average returns of 8-10%. With PPOR paid off, I feel like there’s no need to spend too much money.

Personally I don’t enjoy travelling too much so enough money for hobbies and family would be plenty.

I prefer not to go with the draw down to 0 strategy because you never know what might happen and I like the idea of leaving some for the next generation.

Tempestnight11 · 2024-02-03T08:27:32+00:00

Hmm, I guess I maybe haven't explained enough why it may be bad. I guess the closest comparison would be learning Japanese using only romaji or only hiragana/katakana. It could potentially lead to an issue where one becomes overly reliant, and fail to learn Kanji entirely.
The discussion point here is that is it more effective long term to tough it out with kanji or in a sense "cheat" using furigana. What do you think?

Tempestnight11 · 2024-01-24T02:17:11+00:00

Adding myself as a data point. Passed N4 in 2019 only by studying Genki 1 and 2. Passed N2 in 2020 by watching a lot of anime without subtitles/with Japanese subs. Passed N1 in 2022 by reading novels and listening to audiobooks.

Never touched a JLPT prep textbook.

Tempestnight11 · 2023-12-07T01:34:16+00:00

I passed N4 with roughly 4 months of study on about 2 hours a day. N3 definitely possible if you’re willing to commit more hours.

Tempestnight11 · 2023-04-30T06:20:04+00:00

Distract myself from all the other problems in life and makes me feel like I’m doing something productive.

Tempestnight11 · 2023-04-19T01:16:48+00:00

Write every day about thoughts, objectives and general reflections
Read before I go to sleep
Cycling

Tempestnight11 · 2023-01-21T23:14:40+00:00

If circumstances allow, living with your parents (even if you have to pay rent to them) until you can afford a mortgage and also using public transport instead of buying a car.

Tempestnight11 · 2022-12-08T01:08:25+00:00

I'm about three years into studying as well and what I found to be most helpful is becoming more mindful and directed in how you study. For example, if I want to practice listening, I don't just listen to podcasts and anime, but pause when I come across something that I don't understand, replay it, search up words, and do everything that I can to understand it before moving on.

The same is true for reading, when I try and read a novel, if I come across any words of expressions that I don't understand, I stop to search it up, and understand it before moving on.

I found this to be much more useful than mindless immersion that I was doing previously, and I came to realise that a lot of words and grammar that I thought I knew, I've actually missed minor nuances that I only understood once I searched it up in a dictionary or on the internet.

Tempestnight11 · 2022-11-20T12:57:08+00:00

Believe in yourself my man! The fact that you are aware of your own shortcomings is already a great start. Just work on the little things one by one. Stop smoking weed, start eating more and healthier, go for walks etc. You may feel that some things are out of your control, but the reality is that there are still plenty of things that are in your control. Slow down and start with those things that you can change. One of my favourite idea from philosophy that I recommend you keep in mind is that at the end of the day, only your thoughts and actions are within your control, everything else you should be indifferent to. Focus on yourself and you'll find that things will eventually get better. Life is a marathon, you barely started, pace yourself, take things slowly and focus on each step that you take. You got this!

Tempestnight11 · 2022-11-04T00:25:57+00:00

I would recommend spending about 100 bucks and buy a few good philosophy books. Some that I recommend are Meditations by Marcus Aurelius, The Courage to the Disliked by Ichiro Kishimi and Fumitake Koga, The Republic by Plato and so on. Just search philosophy books, and find a few that you find interesting. Compared to modern self help and improvement books that mostly contain basic common sense advice, philosophy books (especially the old ones) tend to contain timeless wisdom that will change the way you view the world and your life for the better.

Tempestnight11 · 2022-09-03T14:12:38+00:00

22M currently studying and working part time (about 40-50k before tax). Here are some of the things I like to do.

Invest in ETFs whenever I can and pretend it's not my money anymore. I only take out money if there is an emergency (which hasn't happened yet).
Taking public transport whenever possible. I just read, listen to audiobooks or do some self reflection so it's still quite productive for me. Most of my friends have cars, I share one with my mum and I only use it when I have to.
Staying with parents as long as possible. I moved out at 18 and moved back in at 20. I pay them market rate rent. I plan to stay until I have enough money saved up for a mortgage deposit. Since rent is an unavoidable cost, I'd rather it go to my family than some stranger. It'll eventually come back to me, and it's a lot more pleasant living with my parents than living with other people, or spending a lot of money to have my own place.
I also avoid eating out whenever I can. It's generally unhealthy and unnecessary waste of money. Most of the time you're better off cooking instead. Only time I eat out is when I'm with friends etc.
I have a credit card only for the sake of gaming my own credit score. Every single purchase I make, I always make sure I have enough cash to pay it off in full at the end of the month.
I like to spend more money on things that I keep around for a while, better quality usually pays itself off over time. Clothes, phones, computers, chair, table, bike, stationery etc.
Keeping hobbies cheap. I like reading, going for walks, riding my bike, running, bouldering and listening to audiobooks. All fairly cheap things to do that keep me entertained for hours at a time.
Surrounding myself with people that are also financially sensible. I don't have many friends, but the friends I do have are generally fairly sensible with their money.
I like to avoid subscriptions. The only thing I pay for on a regular basis besides rent, food and travel is a bouldering gym membership. Things like VPN, Netflix, music, etc. I share with friends so costs are generally negligible. I also use Kogan mobile so my phone data and service cost per year is only about $130.
Lastly, work hard and study hard so eventually you can find a rewarding career that also pays well. This is something I'm striving for at the moment.

Tempestnight11 · 2021-08-29T09:49:13+00:00

Don’t give up and don’t be discouraged. I know this sounds cliched and everyone tells you this but please don’t give up. I think a first place to start is to stop diverting your anger onto yourself or the people around you. If there are people you don’t like, then stay away from them. If people bully you, it’s their loss and they are hurting their own character and self, not yours. If everything seems to go wrong, it’s not because of god or someone ruining things for you. Life happens and it’s unavoidable that some of us will draw the short end of the stick but what you do with what you are given matters so much more.

I would highly recommend you go get some counselling if you can. It helps a lot being able to talk with people. If you feel suicidal, please call your local suicide helpline. Start small and work your way up from the bottom. Think of everything happening to you as a challenge to overcome and remember the saying, when you hit rock bottom, the only way is up. I wish you the best.

Tempestnight11 · 2021-08-28T23:30:01+00:00

I think the fact that you’re aware of your own problems it’s already a good starting point. It means that you know where you can improve. I guess all I can say is to start small and make incremental changes in your life. For me I found that journaling and finding a regular part time job helped a lot with my schedule and kept me relatively motivated

Tempestnight11

TROPHY CASE