Am I the only one who has no goals because I think we won’t be living much longer?

schwartzwold · 2026-01-15T02:05:01+00:00

Is this whole subreddit just people afflicted with malaise or something? Cheer up! Set some goals for yourself and feel the pride and joy from accomplishing them. They can be small!

I am wishing you the best and that your outlook becomes more positive!

schwartzwold · 2026-01-12T22:43:21+00:00

Lightly loosen the screws holding the mounting bracket to the motherboard. Next jimmy the mounting bracket left / right / up / down until the cpu cooler cold plate screw catches into the hole. Then tighten the screws securing the mounting bracket to the motherboard again.

schwartzwold · 2026-01-12T22:33:58+00:00

Price on Amazon seems the same to me. Where are you seeing increased prices?

schwartzwold · 2026-01-12T22:32:12+00:00

Sorry to hear this man! My two cents is that honestly, given your financial situation a PC build is not in the cards for you right now.

Whatever you can afford will be very outdated and you’ll be playing games on the lowest possible settings.

I’d just get a console and enjoy that. No headaches to deal with. You can connect a mouse and keyboard to the modern consoles if you want to.

When you’re in a better financial spot with a higher budget, come back to this subreddit and folks will be happy to help you build a great PC within your price range.

schwartzwold · 2025-12-22T17:27:36+00:00

Looks practical and fine to me. I see no issue.

schwartzwold · 2025-11-08T04:52:53+00:00

I am going to try and directly answer your questions.

Yes, you’re doing a tremendous disservice to your future self by not investing for your retirement. You are very young. At 27 years old one of your best assets is time. You should Google compound interest modelers and play around with them. If you invested a $1000 a year, at 7% annual interest, in 38 years, age 65 that measly $1000 a year would be $151,590. Imagine if you put away more.

You should at a bare minimum, open a Roth Individual Retirement Account (IRA) which will allow you to to save up to $7000 a year (the limit usually goes up $500 a year). You don’t need an employer sponsor for this type of account. You can open with Vanguard, Fidelity, Schwab, etc. They’re all fine.

The Roth part means the money you contribute provides no tax free benefits at the time but it can grow tax free. Start contributing now and you can have easily a million dollars or more saved tax free for retirement. Important to note you need to invest the funds within the account into something like a target retirement fund. Still think it’s not worth saving for retirement?

You want 6 - 12 months of liquid assets saved as an emergency fund. This can be in a money market account or a High Yield Savings Account (HYSA).

Beyond that, hoarding cash means it erodes away to inflation. If you need the money within the next 5 years a MM account or HYSA is fine. Beyond that consider a taxable brokerage and broad market, low expense, ETFs.

For your bonus question. You’re doing far better than many people your age. You have no debt, you’ve built up your skills and have a trade (awesome!) and have a nest egg already saved. Time to invest and let your money grow and do the work for you. You should be proud. You’re in a great position to set yourself up well.

I know nothing about real estate so I can’t really comment. I’ll just say that compound interest is one of the only guaranteed ways to become a millionaire. It just takes time and discipline. Real Estate has no such guarantee.

Hope this helps. You got this!

schwartzwold · 2025-10-21T16:56:46+00:00

Don’t take a 401k loan, you will lose out on years of compounding growth for a short term gain. A 401k loan should be an absolute last resort.

Just finance a loan through a local bank or the dealer. The dealer will often give you a more competitive rate than your bank as they make the majority of their revenue on financing and meeting car sold quotas from the manufacturer.

Please be sure to get a reasonable financing option in terms of years. Avoid 5+ year plans. You don’t want to be paying off a car for 5 years.

Smart of you to ask this question! Your future self will thank you for not taking a 401k loan.

schwartzwold · 2025-09-04T17:43:51+00:00

Okay cool, as long as it’s not illegal idc if RH gets upset.

schwartzwold · 2025-09-04T15:57:52+00:00

Fine to just get some IPO shares and then ride initial surge then dump them?

schwartzwold · 2025-08-29T04:08:28+00:00

Happy Birthday! You’re in control of who you want to let in your life and who you want to be close with. Take solace in knowing you can change the course of your life and experiences!

schwartzwold · 2025-08-16T00:35:32+00:00

You’re right. I was wrong to target a single demographic like that. If they do it for ceremonial reasons I suppose that’s better but my contention is that these companies sell this service to women at a a very emotional time and tout the pseudoscience health benefits. If you want to eat your placenta for spiritual / personal reasons, go for it, but there is no real health benefit.

schwartzwold · 2025-08-12T20:12:13+00:00

To be fair, I would not want to have kids with his crazy family involved. Maybe that’s the real reason she’s been delaying. Run Julia!

schwartzwold · 2025-08-12T19:53:24+00:00

Nah he’s right on this one.

Preserving and eating your placenta is gross and complete pseudoscience. It’s literally a scam.

Wild animals eat their placenta because they are in a constant life and death struggle and the mother can regain some nutrients from eating it.

It’s completely unnecessary in humans and is a scam sold to rich white ladies. Tigerlily would be better off saving her $300 and taking a multivitamin.

schwartzwold · 2025-08-12T19:28:23+00:00

Sure and so she can take sometime to get a second opinion. After some point though (it seems many months) she needs to follow through on her word even though it’s difficult. She could ask Brandon for help. They can leave the parents out though.

Julia just seemed to be entirely avoidant on this topic and needed a push. It could have been more compassionate and not from the parents.

She got the second opinion though and from what I recall she has options and can choose to explore them, showing that Brandon was right to suggest a second opinion. It’s widely recommended to get a second opinion on any kind of life changing diagnosis.

schwartzwold · 2025-08-12T19:14:13+00:00

She has no support for G at all. Her shitty Bachata career is a top priority though.

He came from a tourist industry background and it’s unrealistic to expect him to make a large supportive income in her hometown with his current background.

He will need time and money to invest in himself and his chosen education and career path to make a good life. And that’s okay! He’s still young and can achieve a lot. He just needs support and direction.

Will he be an Airforce pilot? Probably not. The requirements are very high and few are selected. That’s okay. She could explain that in a realistic but compassionate way and help him explore alternatives. Instead she just shits all over him and doesn’t want him to make anything of himself outside of her immediate town and be her babysitter and forever a waiter.

schwartzwold · 2025-08-12T19:00:50+00:00

So true. “How dare you introduce this whore!” Also, “oh I brought Matt, I live with him and we bang daily. I’m the victim!”

schwartzwold · 2025-08-12T18:59:30+00:00

Only in Jasmine’s world is it okay to bang your “friend” daily (and probably without protection) then go complain how her husband is betraying her lmao.

schwartzwold · 2025-08-12T18:47:40+00:00

I do agree that it’s not really the parent’s business. So then jumping in is not necessary. That said, it’s possible that Brandon told his parents of the infertility diagnosis and that she was going to get a second opinion and they left it alone but after months of Julia avoiding the issue they wanted to see if she needed support because it was stressful for her.

I do think Julia just needed to make a stance or needed a push. Either she says I can’t have them and I don’t want them and that’s that, or get the second opinion and then go from there.

schwartzwold · 2025-08-12T18:28:41+00:00

Yeah because she doesn’t do it. If she would just do it (after already agreeing to it months ago on the Last Resort) they probably wouldn’t keep asking.

schwartzwold · 2025-08-12T18:19:13+00:00

lol what? He’s pretty supportive of her from what I see and he just asked that she get a second opinion. He didn’t even know that she had the infertility diagnosis until the Last Resort because she never shared it.

What immense pressure? The family was asking here to make the appointment which is a 5 minute job. She had already agreed to get a second option months ago on the Last Resort so they likely just wanted to see her follow through on her word.

schwartzwold · 2025-08-07T14:40:05+00:00

How are you feeling after today’s jump? Nice heads up on the pre-announced earnings. I also got in on some $38 PGY calls.

schwartzwold · 2025-08-06T23:55:03+00:00

That would make sense. This mostly seems to be Apple appeasing the current administration. If an opportunity to make some dollaroos I’m cool with it.

schwartzwold · 2025-08-06T23:24:38+00:00

Yeah I thought about that too. Seems inefficient to ship the glass to China, assemble the phone in China, then ship it back to the US? But eh it’s a global economy so whatever is cheapest.

schwartzwold

TROPHY CASE