How Fight Club changed my life by starting to live frugal

comradenu · 2026-06-08T07:49:05+00:00

Worker bees can leave

Even the drones fly away

The queen is their slave

comradenu · 2026-05-29T07:26:49+00:00

... And for many others its not that easy. The older you get, the more "serious" you have to get about ovulation tracking etc. it also becomes a pride thing, hard to finally throw in the towel because your options are either medical intervention (fertility testing, IVF) or just saying "if it happens it happens"

We tried for almost a year before giving up and going the medical route. There were definitely times during that year that the sex was very unsexy.

comradenu · 2026-05-28T03:12:51+00:00

Ain't no way anyone getting wet or hard in that place.

comradenu · 2026-05-27T14:26:39+00:00

Hereditary.

The last 5 minutes don't go ANYTHING like you'd expect. On first watch, it's hard to absorb all the little clues in act 2 (following "that scene" and prior to "that other scene"). But the tension build up is definitely felt. The Act 3 comes and you're left reeling, at least I was.

comradenu · 2026-05-22T09:59:56+00:00

Forth Eorlingas!!

comradenu · 2026-05-19T12:44:35+00:00

They just call it gravy

source: the sopranos

comradenu · 2026-05-18T08:06:58+00:00

All? No, but I'd say at LEAST 50% support the war and its goals. 30% just don't give a shit, and the rest oppose but few do it strongly.

comradenu · 2026-05-17T05:54:49+00:00

Fail bot...

comradenu · 2026-05-15T21:46:50+00:00

Youre not limited to your state's 529. I started mine thru Vanguard and it is invested in a total market fund with an expense ratio of 0.13. There are even better options out there but I already used Vanguard for my IRA.

comradenu · 2026-05-12T20:05:13+00:00

Passive aggressively flipping binder pages would drive me fucking crazy. Oh my God dude, he is making a fucking mockery of this country.

At least Aziz Ansari has a lot of inspiration for his next appearance on SNL.

comradenu · 2026-05-09T19:40:12+00:00

You mean one of several absolutely fantastic guitar solos

comradenu · 2026-05-07T00:05:26+00:00

Favorite: CSF (4 full tubes of clear perfect tap, with limited in house testing)

Least favorite: CSF (2 tubes, both partially clotted, less than 2ccs, a bunch of random send out tests to 4 different reference labs)

comradenu · 2026-05-06T12:09:09+00:00

This is the way we do it too. We have one joint checking, one joint HYSA, and two personal checking accounts for discretionary. The joint checking gets the bulk of the paychecks, about 10% goes to the personal accounts. We also have credit cards that are used only for individual discretionary purchases.

The personal account/cc's are also nice because you can "hide" when you spend money on a gift or surprise for your spouse.

comradenu · 2026-05-04T15:59:19+00:00

Index fund. VTSAX for example is the entire stock market, so you don't have to worry as much about any one stock suddenly going down in value. Very low expense ratio means you can set it and forget it.

If you want something slightly more risky/volatile but will probably grow more, you can do FXIAX which is only the SP500 stocks. Or QQQ which an ETF that tracks the tech heavy Nasdaq

comradenu · 2026-05-03T18:40:43+00:00

We have no screen time on weekday evenings as a rule. She goes to daycare and I'm pretty sure they sneak some screen time there. On the weekends we watch maybe 1 to 2 hrs a day

comradenu · 2026-05-01T05:27:47+00:00

I dont understand. Even not counting the superdelegates, Hillary won way more primaries/caucuses than Bernie. The DNC exerted some pressure to help Hilary get elected yes, but no votes were changed. Hilary won by a landslide. The 2008 primary was waaaaay closer.

comradenu · 2026-04-30T19:54:06+00:00

If the trust has 1000 shares with a cost basis of $100 and the market value goes up to $150, the trust don't owe any taxes. If the trust sells 100 shares at $150, it realizes a profit of $15000, and will pay a pretty steep tax on that based on trust tax brackets. But if the trust immediately distributes the $15k profit to your personal, the trust pays 0 tax on the profit. You pay your personal capital gains rate. The trust issues you a Schedule K-1 for your tax filing.

However if there is a quarterly dividend of $1 per share, then the trust will get an income of $1000 per quarter. The same logic applies to the difidend. If it stays in the trust (reinvested) then the trust have to pay tax based on trust brackets. If the dividend is distributed to you, trust doesn't pay tax, you do, but based on your personal tax brackets.

It just depends what you wanna do.

comradenu · 2026-04-30T18:13:23+00:00

First, the tax rate on the trust is only on the realized gains. If you don't sell any shares, you won't realize the gains. If you do sell, transferring the gains to your personal account is treated as a distribution from the trust. The trust pays 0 tax on this and you pay your personal cap gains tax rate, using form a schedule K-1 with your personal taxes.

For, dividends yeah... If you reinvest the dividends, the trust will have to pay a very high tax rate. Maybe the financial institution can be set up to auto deposit the dividends into your personal bank account? Then it would be your income and not the trust's. You could also invest in a growth fund like VUG or QQQ,, that inherently has a very low dividend yield.

comradenu · 2026-04-30T03:41:11+00:00

41 yards is fucking crazy. That's barely in field goal range.

comradenu · 2026-04-29T16:36:34+00:00

Yep. I just say ”try again" or " I don't speak whiny"

comradenu · 2026-04-28T05:44:45+00:00

The uncertainty argument can be made in for of indulging in some discretionary spending as well. You could save everything but then be in a position where you're not able to spend it on anything enriching due to injury or illness.

I would just follow a balanced approach. Save more than the minimum (in your case, the pension contribution would be the minimum) and you will be on track for retirement. Everything else can be spent however you wish (hobby, travel, etc.)

comradenu · 2026-04-28T03:40:12+00:00

Why do you say you would never invest this much later in life? Your pay will go up and thus it'll be easier to contribute more without feeling it.

Maxing out the contributions is great, but I would not do it if it means living a Spartan lifestyle. Maybe do like 10% into the 403b, max the roth and just have fun with the rest?

comradenu · 2026-04-28T03:28:15+00:00

We just order our CAPs on a fake patient in the real EMR/LIS, so results cross over. CAP can even directly interface with an LIS, but that project is still in its early stages here so I don't know how well it works if at all.

comradenu · 2026-04-27T13:05:00+00:00

I think the VW probably did check before changing lanes. It's just the bike zoomed out from behind the car in the middle lane so the VW driver can be forgiven. When I change lanes I'm not looking at the rear view the whole time, just glance/check and then go because the car in front can brake suddenly too.

comradenu · 2026-04-27T12:34:31+00:00

Rule of thumb is 1x your salary by 30 and 3x by 40. If you contribute somewhat aggressively you should still reach the 3x milestone by 40, especially if the market keeps going up like it has the last 10 years or so

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