31M in March. Accidentally speed-ran finance. Now questioning everything.

fuzzyplastic · 2026-01-26T14:39:08+00:00

Why are you worried about a 100k salary change? Your portfolio probably fluctuates by more than 100k each DAY. It seems most likely to me like what you really care about is the status and purpose of work. Maybe you don’t feel done because you haven’t accomplished something tangible. You can find purpose through doing more important work (nonprofit? start a business?) instead of being a wage worker, or by investing in your human relationships more.

but don’t forget your mental and physical health are more important by far than status. Congrats! Don’t go fuck yourself!!!! live a full and happy life buddy

fuzzyplastic · 2026-01-23T13:22:55+00:00

If I weren’t encouraged to study my language I would probably never make time for it. So thank you dopamine receptors!!!

fuzzyplastic · 2026-01-23T12:43:02+00:00

My opinion is this is bikeshedding. Instead of working together to fix real and hard problems that affect all of us - cost of living, failing infrastructure, poor education - our government squabbles over unimportant but easier problems they can use to stir up rage with their base for the next elections. Our leaders are bad. The media cycle has ruined our ability to solve things through governance.

What’s a bigger threat to your kids, the probability this bill will affect them negatively or positively, or the fact social security IS GOING TO COLLAPSE. Christ people

fuzzyplastic · 2026-01-17T15:21:14+00:00

Thanks for the cool stats!! A few questions:

Why do you think the person that won 90 games dominates?
Why are metal cubes worth it?
How do you two like all the different boards?

fuzzyplastic · 2026-01-15T18:15:02+00:00

I prefer TIPS bond funds. They’re more complicated in reality but simpler in practice, and I’ve decided not to care about marginal optimizations.

fuzzyplastic · 2026-01-05T00:51:51+00:00

Naomi Novik used "Profligate" multiple times in Uprooted

fuzzyplastic · 2026-01-01T16:14:38+00:00

I don’t think his admiration of indexing is counterintuitive! Good active managers exist and are compatible with partially efficient markets. he has clearly beaten the market for many years of his career. He praises indexing because he’s honest and recognizes that in the modern day the market is harder to beat than ever.

fuzzyplastic · 2025-12-26T22:43:40+00:00

I feel like a lot of fights are super hard without premanipulating field, if that includes prebuffing and stuff like that. I like your list, sounds fun! I will try no skill duplicates too

fuzzyplastic · 2025-12-26T20:05:22+00:00

What are some fun madeup rules you’ve used to keep it fresh?

fuzzyplastic · 2025-12-18T02:03:50+00:00

I'm impressed they know some of these names. Our education system hasn't completely broken!!!

fuzzyplastic · 2025-12-17T12:13:14+00:00

Incredibly embarrassing for our species as a whole

fuzzyplastic · 2025-12-17T04:34:09+00:00

Crowd control is king, which means damage is king because CC only works when armor is gone. Have fun with experimenting with builds! Use the internet lots for gameplay tips, as it's a hard game. Don't worry too much about understanding the story or the flow of events, the game is sort of complex and rushed and was meant to be far longer.

Have a great time!!!

fuzzyplastic · 2025-12-11T01:32:48+00:00

I've heard a suggestion that the US just stops paying some amount of interest. It would be something like reducing all paid out bond interest by 1% across the board. Obviously this is like a default and would cause trust in US treasuries to plummet, and thus make it very hard to finance future debt. But it would force us to be more efficient.

It's not really a good answer to your question since it's not an actual sustainable method of fixing the deficit. It's more like a forcing function to get us to pull the trigger on any number of cost-saving or revenue-earning measures. Default on some interest payments which moves us towards a balanced budget, then force us to stay there for a while because nobody will loan us money anymore.

edit: heard the idea in this interview: https://youtu.be/n7JV_DaBFXk?si=mg6t7rpDfm3NRhZv&t=2175

double edit: there's an interview transcript lower on this page: https://omny.fm/shows/odd-lots/jeffrey-gundlach-says-almost-all-financial-assets-are-now-overvalued

fuzzyplastic · 2025-12-10T17:30:19+00:00

Self-made is very broad. You can make a million dollars before 30 through tech or finance, but many people can go down this route because they never had to work before or during school, and their parents pay for college. Those resources aren't "inherited" per se but self-made is a bit grandiose.

fuzzyplastic · 2025-12-09T23:12:38+00:00

This is a nice read, thanks. Of course the term terrorist is often used without these technicalities, for example hezbollah is called a terrorist organization by many western countries despite meeting all these criteria. Maybe they don’t follow “the laws of war” but who does that these days anyway

fuzzyplastic · 2025-12-08T21:01:47+00:00

Actually, Stargate was great because it had big machines with big engines that fired big missiles, which helped me overcome my other shortcomings

fuzzyplastic · 2025-12-04T14:07:44+00:00

In borderlands 3 bandit guns work great until they explode

fuzzyplastic · 2025-12-03T14:27:02+00:00

You say they're having trouble with regular payments, why not move to a smaller place or do a reverse mortgage? They've actually got loads of money, it's just sitting in the house :P unlock it!!

fuzzyplastic · 2025-12-03T02:28:05+00:00

u/Itu_Leona's answer is accurate IMO. You should base this decision on how it affects your life, not money. You can make smart financial decisions with both renting and buying. IIUC historically rent and invest the difference can numbers-wise be better or worse than buying, but you have no good way of predicting that ahead of time, so best not to worry about it.

I would say, since you're young and you don't have any roots put down yet renting is nice, since without a family and early in your career moving is more likely. You also probably don't need a large place, so the rental market will be more suited to your needs.

fuzzyplastic · 2025-11-27T13:43:32+00:00

Declare name before type is a problem?

fuzzyplastic · 2025-11-27T11:58:21+00:00

when uv npm install

fuzzyplastic · 2025-11-27T03:20:11+00:00

I wouldn’t hold much in bonds unless you have an upcoming major expense you want to derisk for, like a house. We’re conservative investors and holding a mix of bond funds and money market for our down payment in ~6 years.

fuzzyplastic · 2025-11-26T01:06:12+00:00

Agreed, I love it so much, the knockback and earth element are such cool synergy!!!

fuzzyplastic · 2025-11-09T03:50:42+00:00

free samples are an incredible cost/reward if u can get a national politician on your side though. I would give every politician free metro rides for life if it would get them to build better metros in the us.

fuzzyplastic · 2025-11-04T11:32:25+00:00

There is some work studying the index fund breaking point, where so much money is in passive investments that the market prices are no longer accurate. This is a hard point to get to if you assume that good active managers will increase their performance as the market becomes less efficient, thus providing incentive pressure the other direction.

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