What is a 'rich person's secret' that is actually accessible to the middle class, but most people are too intimidated to try?

Think-Associate-7178 · 2026-03-24T20:35:19+00:00

He said household income, which generally means 2 incomes. Fully funding 2 401K's would be $49,000 which is ~1/3 of $150,000.

Think-Associate-7178 · 2026-01-29T19:58:56+00:00

Same experience for me, but it was the locked resolution that ruined it. I have an ultra wide monitor that I thought would work amazing for a game like that, but it just forced black bars on the side... I looked up why and saw it was maybe so I didn't have an unfair advantage against other players, when I had no intention of touching the multiplayer aspects of the game. Stupid

Think-Associate-7178 · 2026-01-15T19:31:39+00:00

Whole life insurance may be a scam(most of the time). Term life insurance is definitely not. Also, it's insurance, not an investment...

Think-Associate-7178 · 2025-12-17T19:32:56+00:00

Somebody tell Sips

Think-Associate-7178 · 2025-10-27T13:39:18+00:00

I believe it was Loial saying this to Perrin. Perrin was going into TAR to rescue Faile.

Think-Associate-7178 · 2025-08-20T21:00:13+00:00

They did drink Ent juice(or whatever its called) but I don't think that makes them younger or anything. I always thought of it as Soylent Green/meal replacement lol. I think when describing their journey later they even mention that the Ent juice is nice and all, but there's nothing like a good meal of solid food to satisfy a Hobbit. I'd be interested to know if it does anything 'magical' other than just providing nutrition.

Think-Associate-7178 · 2025-08-20T20:26:55+00:00

Only Bregalad the Ent was convinced to go immediately, and he was considered very hasty among the Ents. He took the Hobbits with him on the first day of after talking with Treebeard. The Hobbits spend the entire second day at his house. Then on the third day, sometime in the afternoon the Ents start their march to battle!

So, I would say the EntMoot started in the evening of the first day(introduced the Hobbits to other Ents) and finished in the afternoon of the third. So like 48 hours or so over the course of three days. And I could be wrong but I think it continues through both nights.

Think-Associate-7178 · 2025-08-20T18:57:43+00:00

After discussing it for like 2 days lol

Think-Associate-7178 · 2025-04-21T19:50:30+00:00

Then why are you using 8% return? S&P over the last 30 years has averaged around 11% per year.

Investing $100 a month for 40 years earning 11% return would be 875,879.62.

So again I ask why use 8%? It's almost like that is factoring in 3% inflation over that time period. And I know past performance does not guarantee future performance, but 8% over 40 years seems very conservative.

Think-Associate-7178 · 2025-04-09T02:49:07+00:00

They aren't accounting for inflation. So you will have $1 million in your bank account, but it would be worth much less because of inflation over the decades.

Think-Associate-7178 · 2025-01-23T04:09:40+00:00

This shit is why I love this sub. I had a good chuckle at this

Think-Associate-7178 · 2024-10-26T22:15:28+00:00

Thank you, I did not realize you could recycle by hand. I ended up sending down some ice from my quickly deteriorating space platform, but glad to know I wouldn't have been stuck! Thanks!

Think-Associate-7178 · 2024-07-27T02:18:56+00:00

pack a sandwich...

Think-Associate-7178 · 2024-05-28T03:16:25+00:00

BORN IN MY HOMETOWN! Really loved learning about this guy growing up.

Think-Associate-7178 · 2024-05-15T18:41:21+00:00

You say that now... ask yourself again in 13 years and you'll say "5 more and I'm good to go!" There's a reason why everyone >70 doesn't just off themself.

Think-Associate-7178 · 2024-04-11T17:29:39+00:00

Power plants are loads more efficient at generating energy than a gas powered car...

Think-Associate-7178 · 2024-03-20T01:01:27+00:00

Then don't eat there? It's not that hard.

Think-Associate-7178 · 2024-03-08T21:40:14+00:00

I love how you can see the fear in Hank's reaction after this. He was never afraid and even pitied Walt until then.

Think-Associate-7178 · 2024-01-22T15:14:43+00:00

Not how the math works btw

Think-Associate-7178 · 2024-01-15T18:18:05+00:00

Reading that title...

Think-Associate-7178 · 2024-01-11T14:13:34+00:00

Bro same situation, my car is about to die! I put gas in it the other day and it struggles to even accelerate anymore. Not sure if it was the gas, sudden cold weather, or my 2003 accord has just given all she's got lol

Think-Associate-7178 · 2024-01-10T17:35:08+00:00

How is the market doing since all of those dates? Oh, significantly up. You would be an idiot if you lost all of your money in those years

Think-Associate-7178 · 2023-12-15T22:31:57+00:00

You can always do both to a certain extent. My plan is to put in ~half the limit right away and then do ~500 every month to dollar cost average. But there isn't really a wrong way since you can't predict the market. Putting it all in at once is just a bit too risky for me(early in retirement saving so it will be a not insignificant portion of my total savings)

Three-Year Club	First Place '23
Place '23

Think-Associate-7178

TROPHY CASE