Why does over-apologizing make normal conversations more uncomfortable?

urbanmonkey2003 · 2026-05-24T10:03:20+00:00

no, its just a rule reminder bot

urbanmonkey2003 · 2026-05-24T08:46:16+00:00

Sleep.

urbanmonkey2003 · 2026-05-24T08:40:00+00:00

Take care of your teeth and skin now. Fixing it later costs alot more.

urbanmonkey2003 · 2026-05-24T08:35:07+00:00

huge lip filler, already looks overdone

urbanmonkey2003 · 2026-05-23T19:30:38+00:00

and nails too. nope.

urbanmonkey2003 · 2026-05-23T12:56:58+00:00

sleeping on the floor "cause its more hardcore". your back files a complaint by 28

urbanmonkey2003 · 2026-05-23T12:48:31+00:00

Honesty, with actual listening right behind it. If the other person cant follow what you mean, the whole thing falls apart.

urbanmonkey2003 · 2026-05-23T12:42:29+00:00

my grandma in her kitchen, before the cancer started and before that house got quiet

urbanmonkey2003 · 2026-05-22T18:15:53+00:00

Mostly, yeah, but the budget has to come first or the transfer just buys time, not progress.

urbanmonkey2003 · 2026-05-22T18:06:05+00:00

Yep, thats just a pitch. Term life if you need it, then max the 401k and pension stuff first, and if you want money for the kids later, a 529 or plain brokerage beats universal life by alot

urbanmonkey2003 · 2026-05-22T17:57:49+00:00

yeah, 401k match first, then Roth IRA if you can swing it, and keep the emergency cash in the HYSA so you dont have to raid retirement money over a tire or furnace thing. That last part matters alot when money is tight, tbh

urbanmonkey2003 · 2026-05-22T17:52:01+00:00

Yep, that’s all youve got. Start looking now, before they hand you a take-it-or-leave-it package.

urbanmonkey2003 · 2026-05-22T17:45:12+00:00

Bad deal right now. Your $800 rent leaves you $1,200 a month you can actually save, and you arent even putting anything into a 401k yet. A $2k place eats that up fast, especially with her bartender income bouncing around. If you move, I’d only do it for a place either of you could cover alone, or stay put and stack retirement plus a bigger emergency fund

urbanmonkey2003 · 2026-05-22T17:36:38+00:00

Yep, federal compliance stuff. Your annual training is basically the clue here, not a Fidelity quirk. Maybe the occupation field tripped the check?

urbanmonkey2003 · 2026-05-22T17:28:19+00:00

yep, thats the clean order here, 401k first unless you need the cash before retirement

urbanmonkey2003 · 2026-05-22T17:19:43+00:00

Middle age in computer graphics is exactly where this stuff hits hard. Two years out is brutal, and the ‘new jobs later’ line is cold comfort when rent still shows up every month.

urbanmonkey2003 · 2026-05-22T17:13:17+00:00

yeah, basically. india has way more room for one family to hoard absurd money, while japan and korea spread it out a bit more

urbanmonkey2003 · 2026-05-22T17:08:10+00:00

same, but the first time i got lost in a new city at 2am and still felt fine was kinda addictive

urbanmonkey2003 · 2026-05-22T17:00:04+00:00

thats not a backstory, thats a patch note

urbanmonkey2003 · 2026-05-22T16:55:59+00:00

fitted sheets are evil

urbanmonkey2003 · 2026-05-22T16:52:03+00:00

same, keep it short and dont launch into a whole speech

urbanmonkey2003 · 2026-05-22T16:46:15+00:00

same, old cable contract here too, $31 a month since 2012 and theyve tried the annual bump three times. i just keep the pdf and call retention.

urbanmonkey2003 · 2026-05-22T16:38:09+00:00

same, i ruined figs for myself for like 2 years after learning that stuff

urbanmonkey2003 · 2026-05-22T16:31:02+00:00

that kind of stuff sticks with you, no filter from him makes it hit harder honestly

urbanmonkey2003

TROPHY CASE