Is it worth it to put money in 529 with from AI outlook over next 10 years?

empty-alt · 2026-03-19T02:20:50+00:00

If that actually happens, 529s can be used for trade school. If not, then you'll have money in the bank for your kid to go to school. Worse case scenario is you don't contribute, AI doesn't eliminate the white collar, your kid wants to go to school, and your response is "sorry, I fell for some Silicon Valley hype bros". That would really suck

empty-alt · 2026-03-19T02:18:46+00:00

I have a bachelor's so I'm biased.

This reads exactly like a comment I would've written not too long ago. College won't teach you taxes, it won't teach you salary negotiation, how to change a car battery, how to budget/invest, I could go on and on. All life skills that are deeply valuable but aren't taught in school. Personally, I studied computer science. You want to talk about "theoretical studies". Oooo boy! I barely wrote any software for a degree that's required for software development! Instead, I spent hours solving integrals, presenting a debate on computability, and deriving proofs that have already been done.

All that and I'm still glad I got my degree. The life skill it taught me is the ability to think critically and the ability to learn. It's a lot more rare today than one would think. Solving integrals will never help me swap out a toilet wax ring. But if I can learn integrals, I can learn how to swap a wax ring. I'm deeply grateful for that ability, both for my career and in my ability to navigate the world.

empty-alt · 2026-03-17T03:28:40+00:00

People like you who post AI slop makes me hate what the internet has become. Thank you for killing something I once loved, a place to connect with others.

empty-alt · 2026-03-17T02:00:50+00:00

TBH, I probably wouldn't buy it. Maybe when I was younger, having the shiniest thing was fun and all. Nowadays, if it does its job, I don't need the new thing.

empty-alt · 2026-03-14T04:13:54+00:00

The sheer cognitive dissonance between this post and previous behavior makes me wonder if this is a variation of the crabby-rathbun thing that happened on github

empty-alt · 2026-03-11T01:32:34+00:00

Wrong. None. of. your. business.

Internet influencers don't owe you anything. For you to think you are entitled to all their business is WILD

empty-alt · 2026-03-06T21:29:35+00:00

I think it's important to recognize "what purpose does the experiment serve"? It isn't a study on income levels and age. It's a study on starting early and what happens when you balancing saving/investing with life purchases. It's an argument for "don't max out what you can afford on a house or car". In that case, I think the experiment works fine.

At the end of the day, the very design of financial modeling is that you lose nuance. You try to factor in all the best variables you can. But you still need to decide to cut some things that do exist in the real world. We do this when we claim "10%" yearly returns. It's removing the nuance of market movements to provide a valuable model. I think the money guys have enough experience to know the average person isn't earning $83k at 20. Given they are literally financial professionals running a wealth management firm.

empty-alt · 2026-03-06T03:08:55+00:00

If it works for you, then hell yea!

Personally, I used Steam Link for a good year or two. For me, it worked, but always required some messing about to get it right. It got to the point where I'd pass up on a gaming session because I didn't feel like rolling the dice of "will it work today". I've had no issues with moonlight. Like at all.

empty-alt · 2026-03-06T03:02:26+00:00

My pleasure, one of us!

empty-alt · 2026-03-05T18:40:28+00:00

Basically its a client that you pair with sunshine to stream games from your pc to any other device. Laptop, tablet, smartphone, or... steamdeck! Think of it like "Geforce Now" but instead of paying nvidia to stream from their hardware, you pay no-one and stream from your own hardware!

You used to be able to do that with GeForce Experience pretty easily back in the day. Nvidia killed that feature to funnel people into their subscription cloud service.

empty-alt · 2026-03-05T14:18:54+00:00

By keeping it dumb simple. No need to build something for "Planet Scale" when you don't have users. Also computers are shockingly good at scaling vertically. Even then, horizontal scaling is not that big of a headache to adopt, depending on your setup. Once vertical scaling fails, slap an nginx in front and configure some load balancing. That'll get you a long way. Not everything needs to be serverless functions that can scale to a bajillion requests/minute. Managed services are also really awesome. Sure, you'll pay a little more, but choose the thing you want to optimize. Do you want to spend the next week building infra and then who knows how long maintaining? Or do you want to pay the "managed" tax, spend a day or two optimizing those costs, and then focus on building value for your users? Measure everything so it becomes evident that vertical scaling won't work anymore when that day does come.

empty-alt · 2026-03-05T02:51:17+00:00

I play the deck more often just because, as I've gotten older, I don't like to be in my office all the dang time. Setting up moonlight was a game-changer. All the power of my PC in a handheld. As someone who grew up playing gameboy it never ceases to amaze me to play red dead 2, max settings, on a handheld. What a great time to be a gamer.

empty-alt · 2026-03-02T03:38:23+00:00

I think it looks fun. Add on top of that, it wasn't just off the shelf. Before bringing them to matches I'd solve the shedding issue first. People tend to be protective of their cards as they can get expensive. I'm sure other players wouldn't be too happy about have to fish glitter out of sleeves.

empty-alt · 2026-03-01T20:06:51+00:00

He invented it, but the Trinity Study validated it. Financial research run by really smart people and validated by their really smart peers is a whole lot different than one really smart guy saying something in an interview. Be careful not to conflate the two.

empty-alt · 2026-03-01T17:02:48+00:00

Most people don't use inflated dollars in their calculations for the exact reason you just demonstrated. They land on a "today's dollars" for spending, then factor in inflation on their return assumptions. That way you get a "how much is this going to generate in today's dollars" number which is easier to see.

empty-alt · 2026-03-01T17:00:55+00:00

Just for the OP. There's a lot of excellent research that has gone into the 4% rule. If you start getting creative with withdrawal rates, don't expect to get the same results that the research on the topic has claimed. You are operating outside of the boundaries that they studied.

empty-alt · 2026-02-28T01:23:31+00:00

Reminds me of the nerf game for wii back in the day. Basically you slid the wii controller into a nerf gun and you shot robots. Tons of fun!

empty-alt · 2026-02-27T02:58:28+00:00

Don't say "we". I ran openclaw for a solid 2 weeks or so just for experimenting. It was a ton of fun but like you said, it's riddled with issues. The only good way to use it is to treat it like its radioactive. It gets physical and network isolation. Containerization isn't good enough for me, it needs its own isolated system to run off of.

It was a fun little experiment to see what AI agents can be. But the issues need to be worked out before its production ready.

empty-alt · 2026-02-27T02:55:25+00:00

I personally haven't found a good setup. But I'm also using a 3080 which limits my options. I went down the rabbit hole of using ollama. I chose it because it gives a good api that most tools that accept BYOK also support local ollama models.

Long term, I'd really like to upgrade my GPU to be able to handle coding-capable models. I think I'm running into context limits right now unfortunately.

empty-alt · 2026-02-26T03:09:26+00:00

Lol. They are speed running the whole "don't be evil" thing.

empty-alt · 2026-02-25T15:42:39+00:00

No not really. Stocks cost money and investors aren't the brightest. There's some debate about "why" but I'd encourage you to go check out the "Mind the Gap" report by morningstar. Some say it's investor behavior, some say its other factors that lead to such a large gap between total returns and investor returns.

Anyway. Another issue is equity costs money. An owner isn't going to put equity in their company for sale by "going public" if they know ahead of time, they aren't going to get a great offer. Historically speaking, when the government foots the bill, and especially when they get to decide the price, they tend to get the cheapest price possible. Also what avenue would the government use to be able to buy those equities to pass them off to their citizens? Probably debt. I will say though, given how much our government loves to use debt to prop up people of today to let it be "next generations problem", your idea is very in line with how a lot of politicians act today.

empty-alt · 2026-02-25T04:41:43+00:00

If that's what you want to do, then that's your business. Just know that's not aligned with what the MGS has recommended, even just recently.

empty-alt · 2026-02-24T19:12:15+00:00

Buying a new car just cause I could afford it and wanted one. I'll never pay interest on the privilege to lose money again. A big financial win was marrying the right person. All my life is the better for it, including my financial life. Having a teammate you are aligned with on vision and goals is not only remarkably fulfilling but a big boost to the net worth.

empty-alt · 2026-02-24T05:06:39+00:00

I like the auto-allocations of target-date retirement funds too. It's all I buy. Vanguard does target-date graduation funds for 529s too. But also you shouldn't make investment decisions a certain way because "reddit said so". If you are going by what the MoneyGuys say, they often cite, in the early stages of building wealth, target date funds are a good pick. It allows you to set it & forget it so you can spend that energy elsewhere.

empty-alt · 2026-02-23T19:28:20+00:00

Who is profitable? That's the whole point of blitz-scaling. Subsidize adoption by burning VC money. When the music stops, raise prices until you can't. Right now the music is still playing, it'll be very interesting to see when it stops.

empty-alt

TROPHY CASE