Because we live in a world where everything is owned by someone and one must profit off of anything they possess or it’s considered a wasteful liability.
Because we live in a world where everything is owned by someone and one must profit off of anything they possess or it’s considered a wasteful liability.
Ah I see the confusion. I went back and edited my comment to hopefully make it more clear.
It is but it doesn’t stop a massive corporate industry from growing around it as the original comment implied would happen with cannabis.
Tobacco Industry: “Am I a joke to you?”
An index that either tracks the top 500 companies or the total market. Look up a 3-fund portfolio if you want to go a little deeper.
Alternatively, max out an IRA if you haven’t already this year and are in a position where you won’t need that money until retirement.
Edit: I realized I’m assuming a lot about your situation. So instead, here’s a general list of priorities that applies to more or less any situation. You should only proceed with a step if all the steps above it are achieved. Also keep in mind, I’m not a financial advisor just a random stranger on the internet sharing my personal financial strategy.
Pay your future-self first. Establish regular contributions to your retirement account and HSA if you have one, totalling between 3-5% of your compensation or whatever your company’s matching policy is (That’s not free money, it’s part of your compensation package. Not claiming it is like waving a portion of your income).
Pay off all debt since interest is essentially paying a percentage-based monthly fee for owing money and we’re not privileged enough for our assets to cover that expense.
Build and maintain a liquid (cash) holding as an emergency fund. This isn’t for investing or expensive new toys, it’s insurance that will cover your expenses for 6-12 months. Put it in a high-yield savings account or money market since it will be a significant sum and inflation will otherwise reduce its value over time.
Max out your retirement accounts to the contribution limit, your 401(k), IRA, and HSA if you have one. These accounts have tax advantages that essentially mean you can put more money towards retirement than you could in an individual trading account. This doesn’t have to be one lump sum, you can divide it up into monthly contributions so long as you’re on track for maxing your contribution limits by the end of the year.
Open an individual trading account with a broker (Vanguard, Fidelity, etc.) and invest in index funds (3-fund portfolios are reliable and low-cost). If you anticipate a significant expense over the next 10 years, i.e. a down payment for a house you can budget between this and the funds going towards Step 4 but keep in mind the tax advantages of retirement accounts means you’re likely missing out on some retirement gains.
People have lost their lives and homes, and will continue to do so at increasing rates, precisely because of this “now is not the time for politics” sentiment when it comes to climate change. The longer we kick the can down the road, the more people are going to be killed or displaced because of it.
The “pro life” party sure seems to get something out of killing people
Not to defend racists or imply this is acceptable in any way but everybody does stupid shit when they’re a teenager and something like this shouldn’t haunt them for the rest of their working lives provided they mature into well-adjusted adults.
The bigger problem is the poorly-adjusted adults in the communities that raise these kids and teach them to be hateful towards people with harmless differences.
TilTok likely got my car stolen (Hyundai vulnerability trended on TikTok)
At this point I feel more threatened by cops than I do by whatever they’re supposed to be “protecting us” from.
I wish apartments in major metropolitan areas had green space like this. If I could have just enough of a yard for my dog and a small vegetable garden I’d happily live in an apartment.
To be fair, it’s one of the more reasonable superstitions considering the potential of being hit by a heavy falling object.
For me it’s more about not subjecting a person to my own residual trauma and a society that’s accelerating towards self-annihilation
For how much he lies, why the fuck would he say this? Why draw the line here and not just say he does like he did before? Genuinely baffled by this one.
“Give us what we want or we’ll shit in the pool and ruin it for everybody.”
I knew this day would come but nonetheless I was not prepared for it…
Stickers put on products by manufacturers or retailers must either be on the product packaging or be made with the material that leaves no residue behind when peeled off.
The Beatles were also repetitive, dry, corny and cringe but I think you’d have a hard time making the argument that they suck because of that.
It’s great as essentially a StackOverflow that I can talk to in real time. But as with SO, I’ve still got to figure out what pieces are legit and where they go.