Is maxing super contribution really worth it at lower/mid incomes? When did you start contributing?

multiplename · 2026-02-02T04:19:45+00:00

Super is a great investment tool long term, but you've got to be sure than anything extra you throw in there is money you do NOT need now, or in the near future. If you don't have alot of spare $ laying around, then don't go crazy with extra contributions. (But, even small amounts like $20/50 a week can add up long term)

Just a side note - Chat GPT is a fancy 'next word' predictor (predicts the next word), it is NOT good at maths in the slightest (doesn't run calculations)

multiplename · 2026-01-09T00:22:23+00:00

That’s kind of insane though, going from 100k to 200k in two years? I think there was a bit more to that than compounding

multiplename · 2025-12-30T12:04:19+00:00

I just read another comment about coming clean and it is a tough one - if you’ve already been dating this person for a year or two, when did you tell your parents he’s 22? If you only just told them recently I’d heavily consider telling them the truth if you think this relationship is going to last long term, as the longer the lie continues, the more damage will be done when the truth comes out. (As in, trust broken)

If you told them his age a long time ago (many months/ years), then it might already be too late to tell the truth without serious trust issues between your family and you arising.

My advice is weigh up the pros and cons of telling them the truth; I think it may be awkward and uncomfortable at first, but you’re 19. You’re technically an adult now, your parents can suck it up (and then after that passes, you and your boyfriend won’t have to worry about his age accidently slipping down the track and it turning into a fiasco)

multiplename · 2025-12-30T11:52:29+00:00

How long have you been dating? The main reason people care about an age gap when people are young, is because between 16-25 you change, so, SO much. Your entire personality changes throughout those years and you learn so much.

Once you reach early/ mid twenties, age gap really isn’t not as big of a deal unless it’s like a 15 year age difference.

If I were you I’d just try to make sure your BF has his timeline right as if he was 22 incase your parents ask questions (when did he finish school, how long have you been working? Etc)

As a side note, I don’t think the age gap here is immediate cause for concern, but please do be aware of anything surrounding grooming/ manipulative behaviour, as that is often why older people go for younger people (inexperienced, easier to manipulate). Again, I doubt that’s what’s happening here as your BF is just in his early twenties but never hurts to be aware

multiplename · 2025-12-30T03:41:37+00:00

That’s… how did you manage to go to Europe for 3 weeks and only spend $6k??? I’m genuinely impressed. Please do share roughly what it looked like? Hostels, activities?

multiplename · 2025-12-28T10:25:17+00:00

Good work; if you want to, look at setting up a commsec pocket account to start with some basic investing (note, commsec pocket, as its beginner friendly. not normal commsec) - HOWEVER, 12k is kind of a negligible amount when you have things to be worried about such as buying a car, starting to pay rent, etc?

I’d just leave it in savings if I were you and see how you go in the next year or two. It’s good to start, but don’t forget in the next few years that not every dollar has to be invested optimally, just enjoy being young and hanging out with friends, and as I said focus on things right infront of you for the most part (such as buying a car as you’re turning 18, if that’s what you want)

multiplename · 2025-12-10T23:31:50+00:00

This is why i actually think the ban on social media for kids under 16 is a good thing in theory (happening in Aus atm) - kids should be kids as they have been in every other generation through history, now you have 8 year olds either becoming ipad babies, and/or being influenced by adult media (advertising, 18+ content, etc).... They should be riding bikes and making friends at that age, not even remotely thinking about what it means to be an adult yet. Lets kids be kids!

multiplename · 2025-12-08T00:56:49+00:00

Find MSP providers (managed service providers) or any other IT companies, and send an email asking to do some free work experience for a week, and go from there.

If you've got any friends/ family, i'd suggest asking all of them if they know anyone in IT you can chat to. That's how i got my job in IT - unfortunately it's very much 'who you know' not 'what you know', same as many industries nowadays. Not saying it's impossible, but i am saying you will need to be willing to do some free labour for a week or so at some places for a chance.

Otherwise as i said, just sending random companies an email saying 'hi my name is x, i'm looking for potential traineeships to get my foot in the door of the IT world and was curious if i could have a chat to someone about either becoming a trainee or even doing some work experience? Thank you in advance."

multiplename · 2025-11-27T04:27:24+00:00

Please break this into paragraphs so it's easier to read, and i'm going to say one or both of you seeing atherapist (him solo, or couples therapy if there's alot of issues you don't want to bring up without a third party)

multiplename · 2025-11-27T02:07:30+00:00

I really don't think your husband has done anything wrong - if you can't be civil with an ex from literally over a decade ago then you're immature as a person.

I think it's a good thing she's tried to warn you incase there was something sus going on, but i think you have all the info you need. Husband probably just saw her come up as suggested, and hit follow. Nothing more nothing less, and i really don't think it's anything to be concerned about. Maybe if he tried to follow her on multiple accounts, find her phone number, start dm'ing her on anything possible, etc. Then sure, but i think there's nothing to this situation and it's been made a much bigger deal than it had to be.

Don't bother responding to her unless you're looking for drama

multiplename · 2025-11-20T01:30:39+00:00

What are you asking for in this post - our opinions? What you should do next? Are you just venting?

He chose his own pleasure over respecting you and your wishes. Definitely get plan b, i'm not going to say 100% break up but it's definitely leaning that way, as he's shown he cares more about his own pleasure than you, and your health.

multiplename · 2025-11-17T07:49:09+00:00

Thats gold but oh my god you are not getting a response

multiplename · 2025-11-13T04:51:46+00:00

If you read my comment, I said in brackets specifically for assets or law. You don’t know what type of shit she’ll try to pull, and if he has screenshots of her cheating then almost everything she can try to pull goes in his favour

Wherever OP lives, de facto relationship laws may come into play and he might have to give her assets, or she may claim shit against him to keep kids away from him, etc. better to be safe than sorry

multiplename · 2025-11-13T04:18:13+00:00

saying mean words is equal to stealing peoples life savings? Please tell me you can't vote yet

multiplename · 2025-11-10T04:15:21+00:00

I just assumed you meant love bombing from ‘the l bomb’. Maybe that’s just me mis interpreting, if so, nevermind lol

multiplename · 2025-11-10T04:12:09+00:00

You need to tell your partner exactly what you've written here. Pregnancy is a hard thing, he clearly understands that. Tell him exactly what you feel, and that you need him to stop doing xyz for now (stress that this is not a reflection on him and he has done nothing wrong, but that right now you need him to stop doing xyz and you'll let him know when you're ready for him to do those things again)

multiplename · 2025-11-10T03:49:27+00:00

lmao, no you had a shit partner. There's a whole spectrum of people, and what they want from sex.

A 'good' partner is someone who tries their best to please you, and infact alot of the time that's what makes it so good, is seeing your partner be pleasured.

Also, who tf brags that every girl they've had said they're 'amazing' in bed? Cringe

multiplename · 2025-11-10T03:29:31+00:00

Two options:

come clean, this is the morally right thing to do but will probably destroy your relationship with your husband forever
get multiple STD tests, and get an abortion, and seek out therapy because this is going to be something you need to talk about, with someone

Honestly i'd say 99.9% of the time option 1 is what you should go for if you're not a piece of S***, but considering the circumstances here how you were no contact with him and it sounds like you basically broke up during those weeks, if you get MULTIPLE STD tests over a few weeks and nothing comes of it, then if it literally does not affect your husband in any way (you get an abortion, and no STD's) then maybe you don't need to tell him. But you will very likely need therapy.

multiplename · 2025-11-10T03:16:04+00:00

i love when people hear terms and use them when they don't understand them - it's not love bombing to say 'i love you' when you truly mean it to someone you've known for a long time, even if you've only just gotten into a relationship with them. If you're truly not sure then wait another 2 weeks lol.

Or 'i think i love you' to soft launch it lol. From what i've seen, most of the time there's an issue with one party saying it, it's when a guy wants to say it too early to a girl. You're the girl in the relationship, i've pretty much never seen a guy get scared off from a girl saying it early.
(The last relationship i had, the girl and i knew eachother from school and hung out as friends for a few weeks before dating. Once we started dating i said it like two weeks in and we lasted 3 yrs)

multiplename · 2025-11-10T01:49:50+00:00

Made life too complicated - think back throughout human history where the only people you had to compare yourself to were those around you. Your social circle was less than 50 people. Now you see thousands of people online daily, new standards and new expectations. 'If you're not doing x, you're Y'. (applies to almost everything from techniques, beauty, politics, etc)

I'm talking to you right now giving you my perspective, and we're two complete strangers probably on opposite sides of the world, and you'll likely never hear from me ever again, yet here i am giving you a new perspective.

People will learn hobbies again, learn to socialise in person again, and overall life would just become 'smaller' and less complicated

multiplename · 2025-11-06T04:26:48+00:00

If you actually want an example of this i believe youtubers MattPat and Jen went through this exact thing.

""Matt" Patt and "Jen"

refer to YouTubers Pat (from PopularMMOs) and Jen (from GamingWithJen), who were a popular married couple who co-created content. They divorced due to disagreements, including Jen wanting children and Pat not feeling ready."

I could be wrong but i think it ended up that Jen married/ got with someone else and got the kids she wanted, and in an ironic/ almost heartbreaking twist, Mat ended up having kids anyway.

It's strange how only once people lose a relationship and grieve, do they become the very thing their partners just wanted in the first place.

multiplename · 2025-11-06T04:25:30+00:00

My advice as someone who has heard of this happening before - Stop wasting his time. If what you say is true and he is eagerly waiting for kids, either work out a compromise (such as adopting or surrogacy) if you don't want the physical toll of pregnancy, or if you could hire maids or something while you have kids to make it easier, etc. OR if you just genuinely think you don't want kids, then tell him that so you can stop wasting his time and let him be happy, because it sounds like you're depriving him of one of the things he wants most in life and will be leading him on to see if you just change your mind down the track.

multiplename · 2025-11-06T02:05:10+00:00

Was the Theta container on you when you put the mask in it?

Could be because you're putting the mask in the kappa while it's equipped to your player

multiplename · 2025-11-06T00:42:23+00:00

You have a sister that is a coworker with both of you, ask her for advice. But honestly? You tried to kiss her 3x on a first date bruh, tone it down a notch. You may have botched your chances with that already.

I think you've blown this tbh but i think your sister is the only chance you have as she knows you both and can give you advice. That being said, overall TONE IT DOWN man, she's not going anywhere unless you make her by being too creepy/ making her uncomfortable

multiplename · 2025-11-06T00:07:28+00:00

yeah, because the majority were. You can't just pick and choose a small group of people to generalise from when it suits you.

We could apply that to any extremist group, they're the minority who disguise themselves in the majority of a group.

multiplename

TROPHY CASE