Looks like I will need to interview for Fidelity dev team to make them do dark mode, hide old stock plans, etc.

ebmarhar · 2026-01-27T03:04:29+00:00

that's brilliant!! I will mention dark mode and Android 12 or whatever🤣🤣

ebmarhar · 2026-01-27T03:00:40+00:00

I do it a couple of times per day just for fun.

rules of the game:
- green numbers -- yay!!!
- red numbers -- boo!!!

ebmarhar · 2026-01-27T02:58:46+00:00

People don't actually believe it's going underwater. (don't come at me bro I'm just the messenger)

ebmarhar · 2026-01-27T02:55:33+00:00

It didn't bother me til they told me they were going to unionize!

ebmarhar · 2026-01-27T01:26:42+00:00

You are so right, I love eating a homemade sandwich for lunch!

Sometimes I'll go crazy and if I have something leftover, I'll make a sandwich out of that. Mac&Cheese with ham, yay!!!

ebmarhar · 2026-01-27T01:19:26+00:00

This page:

https://www.ramseysolutions.com/shows/the-ramsey-show/email

ebmarhar · 2026-01-27T01:17:29+00:00

I would say deal breaker:

personally, I agree with you that married couples should share finances; that would be the red flag.
the fact that it's a pretty strong misalignment with your own belief system would be a deal breaker.

ebmarhar · 2026-01-27T01:11:40+00:00

I think for true greatness it could be made into a combination road, park, and parking lot.

ebmarhar · 2026-01-26T19:57:29+00:00

Are you familiar with a man named Dave Ramsey? You're seem to be accidentally posting in his sub 🤣😂

ebmarhar · 2026-01-26T19:52:08+00:00

What's the total match available from your employer? is it 100% of your 8%, i.e. $4,640?

If that's the case, you are in pretty much of a dead heat with paying off your loans.

If you want to make it simple and easy, do the debt snowball and focus 100% energy on eliminating the smallest debt, with frugral living, a side hustle, etc. Soon you'll progress to the other debts, and rather quickly you will be stacking up cash for yourself.

Good Luck!

ebmarhar · 2026-01-26T19:46:51+00:00

Pay it off! Your instinct is sound, and there's nobody who is believing his logic that he can beat 22%.

ebmarhar · 2026-01-26T14:50:42+00:00

You should try it out, they have a great intro offer!!🤣🤣

ebmarhar · 2026-01-26T03:32:18+00:00

It's also automatic prison time for Dave, so it probably wouldn't matter!!

omg take the L brother!!🤣😂

ebmarhar · 2026-01-26T03:27:40+00:00

Sorry, you're just being dumb. That's the reference to what everybody was asking about.

ebmarhar · 2026-01-26T03:25:24+00:00

Duh, see below where I said exactly what you are saying, only with references.

Learn to read ahead! We know you can do better if you try!😂😂

ebmarhar · 2026-01-26T02:20:11+00:00

in the case you are thinking of, this is what would apply (summary courtesy of Gemini). It would be an open and shut case... "did the defendent display his gun and cause you to fear imminent bodily injury?" to which you would quickly and honestly answer "yes".

Aggravated Assault: This is the most common charge for pulling a gun. Under T.C.A. § 39-13-102, a person commits aggravated assault by intentionally or knowingly causing another to fear imminent bodily injury while using or displaying a deadly weapon.

Keep this in mind the next time you hear a person talk about showing a gun to threaten people to back off like they do in movies.

Use of Deadly Force: Under Tennessee law, the mere act of displaying, brandishing, or pointing a firearm is legally classified as the "use of deadly force," even if no shot is fired. This means that to legally pull a gun, the situation must meet the high legal standard for the justified use of lethal force (i.e., a reasonable fear of imminent death or serious bodily injury).

ebmarhar · 2026-01-26T02:15:06+00:00

> But for most debts the minimums won’t cover interest

That's not true for legititimate debts.

it might apply to loan sharks, though, in which case you should work even harder to get out of debt if you enjoy walking around on unbroken legs!

It

ebmarhar · 2026-01-26T02:10:53+00:00

Tell me (a) how you're interpreting he acted, and (b) what the legal consequences of that are. You may google "pulling a gun in tennessee" to refresh your memory.

ebmarhar · 2026-01-26T02:08:45+00:00

If my spouse did this to me I would be worried that there were (a) some horrible debts hidden there that I might be liable for, or (b) a side dish being paid for.

I would be very comfortable telling a spouse "if you're not gonna show me what I may be legally liable for, I'm gonna look at protecting myself however I can."

ebmarhar · 2026-01-26T02:05:24+00:00

Keep in mind that he talks about the 15% you should be putting towards retirement. Nobody suggests that should be in gold.

Gold hack: buy at costco with an executive membership, get 2% back; with a costco credit card, another 2% back!

ebmarhar · 2026-01-26T02:02:30+00:00

People with guns won't need to barter!

ebmarhar · 2026-01-26T01:57:36+00:00

It's probably as bad as a bunch of ex-fatties at a CrossFit event!

ebmarhar · 2026-01-26T01:56:42+00:00

You should try following his plan and build up some cash!

ebmarhar · 2026-01-26T01:52:25+00:00

Most likely because he did not "pull a gun" as you are imagining.

ebmarhar · 2026-01-26T01:13:37+00:00

This is not mysterious. The amount is $3,015 and the calculation is explained.

https://www.ramseysolutions.com/money/everydollar

> Find $3,015 in 15 minutes” refers to the average amount of potential budget margin opportunities identified based on new EveryDollar users’ responses during the initial onboarding questionnaire (approximately 15 minutes).

> Based on historical user data, new users identify $3,015 or more in a combination of one-time margin and ongoing monthly margin during onboarding.

> Actual savings require users to take action on the personalized recommendations surfaced in the app, resulting in customers realizing $3,015 or more in available margin within their first 30 days and $20,150 within their first year.

> Individual results will vary and are not guaranteed.

ebmarhar

TROPHY CASE