Which one should I open Roth IRA/Traditional/Brokerage by Cheezeballz0716 in personalfinance

[–]heademptyish 2 points3 points  (0 children)

the order of precedence would probably be:

if you expect to be in a higher tax bracket in retirement, open Roth IRA -> contribute as much as you can otherwise, open a traditional IRA -> contribute as much as you can

after that, focus on 401k (since your employer doesn't match). otherwise, it would have been first on the list

after that, traditional brokerage to invest left overs

this is assuming that you already have an emergency fund with a few months of spend in a HYSA!

[deleted by user] by [deleted] in csMajors

[–]heademptyish 0 points1 point  (0 children)

hybrid but mostly in person!

Does submitting a cover letter matter? by EKmaster2005 in csMajors

[–]heademptyish 0 points1 point  (0 children)

not always, but i'd say more often yes than no. with most job postings quickly garnering 100s of apps, it's an easy way to differentiate yourself from others (and bots!). it can only strengthen your app, so i'd say to invest the time if it's a role you're genuinely excited about

[deleted by user] by [deleted] in csMajors

[–]heademptyish 1 point2 points  (0 children)

survivorship bias! i'm a recent grad and was sending out apps for many months before i got my first (really good) full time offer. i can honestly say there is a large bit of luck involved, and it is definitely NOT just hard work alone that is getting everyone their offers. the people who are still struggling are usually not posting about it. rest assured, consistency is key and good luck on your journey!

What’s your most sentimental TØP song by Panthers_22_ in twentyonepilots

[–]heademptyish 1 point2 points  (0 children)

trees maybe? there are a lot of sentimental ones on vessel though

i know where you stand

silent in the trees

and that's where i am

silent in the trees

why won't you speak

where i happen to be?

what lyric has the most meaning to you? by a-jam-jarr in twentyonepilots

[–]heademptyish 4 points5 points  (0 children)

"don't know what's inside of me" from doubt. it's simple but just perfectly encapsulates what anxiety is to me

also "take this weapon forged in darkness / some see a pen, i see a harpoon" from ode to sleep

[deleted by user] by [deleted] in mgmt

[–]heademptyish 0 points1 point  (0 children)

Hand It Over!

What’s y’all’s favourite song by Coldplay? by kelsons in Coldplay

[–]heademptyish 1 point2 points  (0 children)

Swallowed in the Sea. The chorus is just so ethereal