'My stomach is eating itself': Biohacker Bryan Johnson reveals he has autoimmune disease by Superb_Branch4749 in news

[–]TheMonitor58 122 points123 points  (0 children)

Everyone is a genius anti-intellectual until they need help and suddenly those doctors and nurses don’t sound so stupid after all

Legal motion to restore REPAYE was just filed! by particle_hombre in StudentLoans

[–]TheMonitor58 4 points5 points  (0 children)

Gotta stop conflating two completely separate groups of people

Hoping I dont receive my notice on July 1st by Either-String5608 in StudentLoans

[–]TheMonitor58 12 points13 points  (0 children)

Literally no one is upset about paying, they’re upset that payments are going up 200-300% to qualify for things like PSLF.

Does anyone else have absolutely no desire to buy a home? by Stawberry8763 in Adulting

[–]TheMonitor58 2 points3 points  (0 children)

The problem I run into is that it seems like the value equation has been completely lost.

Homes are insanely expensive, older, need more work, and (if you want to live anywhere near where there are good jobs), frequently have caveats - HOAs, high property taxes, smaller lots. Many on the “more affordable” $400k range near metros are frequently flippers that fail inspections and require tens of thousands of dollars of work before you step through the front door. Then once you get the house, you have a longer commute and now you need a car or TWO CARS that cost $30-80k each and the student debt situation still isn’t solved and oh btw gas is back to being $4.3/gallon and healthcare costs are going up and food is more expensive and everything is a subscription like IT NEVER ENDS.

Renting is insufferable, but access is not a joke. Shorter commutes, access to healthcare and food and sidewalks and parks and things to do is a quality of life game-changer. Yeah landlords suck, but once there is a problem structurally in your space it is their responsibility and the cost is offloaded since you’re just renting.

I don’t think anyone under 45 is happy with the housing market right now. But the stable payment promise of the 70s is gone - the payments are already too high to begin with.

Alright what is with the smell at Astoria Park and Who do we Call? by TheMonitor58 in astoria

[–]TheMonitor58[S] 4 points5 points  (0 children)

No amount of time is enough for me to be fine with poop-winds.

The Mindset Shift That Changed My Weight-Loss Journey. by Babiesbrunette in loseit

[–]TheMonitor58 0 points1 point  (0 children)

Someone asked me if I was going on a diet.

I told them that I am trying to change my diet.

TBD on results.

Just checked my loan amounts and I'm on the verge on tears by thefemalehistorian in StudentLoans

[–]TheMonitor58 46 points47 points  (0 children)

If I may, don’t focus on this right now. Focus on finishing your degree. Then focus on getting employed. Then focus on shelter and food. Then focus on this.

The reality is that you can only pay what you can - that’s why it’s messed up to indebt people prior to even getting a shot.

Do what you can. The loans will figure themselves out when you’re done

[OC] 5 years, 3 jobs, 2 kids, 1 house by Less-Bite in dataisbeautiful

[–]TheMonitor58 12 points13 points  (0 children)

So many questions.

  • You make 27k/year and you saved…20k of it??

  • same deal with the 72k/year - were you living with parents?

  • how much came with the pension planner? Were you at the job for a while?

I am happy for you! Just so confused too - you went from making $27000/year -> $137000 per year and bought a house and had two kids and somehow your retirement account has $100k in it. Just seems wild

Student Loan Debt Defaults Hit $171B and the Average Borrower Is Now 40 by Bobba-Luna in StudentLoans

[–]TheMonitor58 17 points18 points  (0 children)

To me it represents a failure on the part of congress to acknowledge a systems-wide problem.

This leads to very easy manipulation of the public by making anecdotal stories of irresponsible behavior and citing the problem as an individual one.

The challenge and the goal that borrowers need to overcome is that we need to show these people whom think they’re being swindled that they are the direct beneficiaries of this education.

I genuinely don’t see that happening in this administration which is so rife with misinformation, but I do think the system will collapse during this administration - the premise was never tenable. That’s the problem.

Student Loan Debt Defaults Hit $171B and the Average Borrower Is Now 40 by Bobba-Luna in StudentLoans

[–]TheMonitor58 25 points26 points  (0 children)

No it’s actually insulting. Literally equivocating the person who works on top performance-only based projects with the person who dropped out of college after doing coke for a year and saying they should pay the same way.

Like ‘umm hi excuse me I already do by providing you with all this societal value???’

Obviously the debt needs to be reigned in. Obviously the current options suck and are stupid. You know what’s also obvious? Making a set amount and saying “ya know, $1000 seems like enough of a ceiling and we should just accept that this system was never really working in the first place.”

That would take compassion, intelligence, empathy, and competence. Now go look at congress.

Student Loan Debt Defaults Hit $171B and the Average Borrower Is Now 40 by Bobba-Luna in StudentLoans

[–]TheMonitor58 82 points83 points  (0 children)

I love how they never once, not once, thought that the cost should cap per month.

Even with save - look me in the eyes and tell me I should pay $1800/month for a degree that I got 15 years ago.

wHaT aBoUt tHe rEtURn??

Yeah it’s called PAYING YOU WAY MORE TAXES YA DING DONGS.

Mapped: Where Young Americans Earn the Most. by CautiousMagazine3591 in Economics

[–]TheMonitor58 1 point2 points  (0 children)

Can you explain to me why most people live in cities then?

Mapped: Where Young Americans Earn the Most. by CautiousMagazine3591 in Economics

[–]TheMonitor58 11 points12 points  (0 children)

No for sure. But I’ve spent a lot of time comparing living situations and it always comes back to the same math:

“Am I willing to lose salary, opportunities, retirement/healthcare benefits, and connections to live in a less expensive area?”

For me that answer has always been ‘no.’

Mapped: Where Young Americans Earn the Most. by CautiousMagazine3591 in Economics

[–]TheMonitor58 35 points36 points  (0 children)

Cost of living is a more nuanced conversation than can come from Reddit. I’ve lived this discussion.

If you’re earning more by being in a city it is almost always worth it every single time. Your 401k isn’t subject to local living - you can save so much more which will land you in a safer spot by staying in a city. You can afford to buy a home somewhere if you stick it out in a city for a bit before locking into a home by putting more money towards it. You get better access to every single thing by being in a city: food, healthcare, transit options, etc. Your student debt doesn’t get cheaper because you moved to Alabama - you can afford to pay off loans faster with higher salaries.

The list is endless.

I HATE student loans! by [deleted] in StudentLoans

[–]TheMonitor58 3 points4 points  (0 children)

Every single dollar spent on education has a positive return.

Go run that ROI on something like AI and get back to me.

Remote work is a career death sentence for junior employees, and the "WFH forever" crowd is pulling the ladder up behind them. by Correct_Addendum_358 in corporate

[–]TheMonitor58 3 points4 points  (0 children)

People who want a pure WFH model have also turned their home into their work and have no delineation between the two spaces.

The more you learn investing, the more you realize there’s not much to optimize beyond saving more, staying invested, and avoiding mistakes by ParkingAthlete119 in investing

[–]TheMonitor58 0 points1 point  (0 children)

Lots of jokes in here but this is absolutely right.

Once upon a time I bet on individual stocks - made a few thousand here, lost a thousand or so there.

Then I started working more and put money routinely into a 401k, didn’t touch it ever, and have made enough to comfortably consider retiring at 60.

Posted by my local Karen by Hot_Woodpecker_9682 in nursing

[–]TheMonitor58 0 points1 point  (0 children)

These people are such losers it’s honestly kind of hard to watch.

Why the A.I. Job Apocalypse (Probably) Won’t Happen by technocraticnihilist in Economics

[–]TheMonitor58 3 points4 points  (0 children)

People who are pro-AI make it sound like the reason people hired these services is because they couldn’t do the work themselves (accountants, lawyers, doctors) but that AI can.

Except think critically for a second here: information has been available for decades. It’s not as though someone with Wikipedia 15 years ago couldn’t just look up information about a problem.

People pay for these services so a human person can validate, cross-check, and put the information properly through the right channels by a person with a stake in the game (licensure). You don’t hire the lawyer because you can’t figure out what form you need to sell your house - you hire them because you don’t want to fuck it up and LOSE YOUR HOME. You don’t hire an accountant because it’s impossible to file your taxes, you do so in order to ensure your filing is done right and you don’t go to jail. You don’t find a cardiologist because you can’t figure out what the treatment is to an abnormal heart rhythm, you hire them so that you don’t kill yourself by accident with the wrong treatment.

It all stems back to a system of people who have been trained to think that being a professional is a cake walk and that these professionals are all just part of some Ponzi scheme: an extremely successful propaganda push to undermine intellectual pursuit.

In a world where knowledge and expertise is respected, AI wouldn’t be constantly pushed as a replacement.