30% / 0% / 70%
30% / 0% / 70%
Ah, he recommends saving 1000$, then tackling your debt, then building to 3-6 months expenses. Which is… fine, I agree with the principle of it, but that number is definitely one of those things I’d consider being more flexible with. The amount I think you should save before tackling your debts depends on a lot of factors.
I also don’t necessarily agree with saving that amount in two blocks, we personally saved 1000$, paid the most pressing card off, and then saved another 1000$. I think it makes sense to adjust that minimum emergency fund number as your situation evolves.
Just another case where I find he works fine as a starting point, but where most people shouldn’t follow his advice to the letter.
I think I have an interesting perspective here, as someone who did kinda get their finances under control thanks to a Dave Ramsey course, and later had the unpleasant experience of discovering how much of a right-wing idiot he is during COVID.
Something I’ve noticed is that a lot of his advice seems targeted towards people who are crushingly bad at navigating debt. One of the most viral things they do is called “the debt free scream”, where people share their stories on his radio show after getting debt free, and just… do a victory scream, essentially. Kinda fun, not really a bad thing, but it shows how most of the people he deals with directly and the ones that make the best marketing are people with hundreds of thousands or millions of dollars of debt despite making very average money. Just absolutely no self-preservation instinct around available credit.
And for these people I think his advice makes sense. Absolutely no debt, debt is the enemy, it will crush you. And stuff like how he pushes you to chase paying debt with high intensity, get multiple jobs, etc. Because otherwise it’s impossible to even manage to put money on the principle of a debt that large.
For the average person though? His best advice is basic budgeting, focusing on paying your debts one by one so you can celebrate each victory quickly, and building an emergency fund so you don’t need to go backwards as soon as you have a car problem. Also, yeah, ditch the brand new truck, it’s burying you in debt you didn’t need.
But absolutely, I’d highly recommend modifying his recommendations for most people, and I don’t doubt someone out there is doing a better job of teaching this stuff than Ramsey is. My advised tweaks:
I’m inclined to agree! That’s awesome, adding that to my following immediately.
Ooh, this is very interesting. I’m a sucker for emulator progress reports, just a fascinating intersection of programming, graphics, and gaming. My personal RSS feeds right now (which I’d love to add lemmy discussion to) are:
https://dolphin-emu.org/blog/feeds/ https://pcsx2.net/blog/rss.xml https://www.libretro.com/index.php/feed/ https://blog.ryujinx.org/rss/ https://xenia.jp/feed.xml
From what I understand, the majority of the most ridiculous minecraft feats are just… writing code to write Minecraft world data for logic circuits, not actually placing the blocks by hand. At a certain scale writing some kind of monstrous compiler to place blocks for you based on a proper circuit plan or programming language becomes easier.
They did overhaul the controller mapping in this update, along with just about everything else, so it would be worth checking out. I really can’t emphasize enough how massive this update is, it’s like the emulator leaping from 2010 to 2024, they’ve been exceptionally active over the past 4 years.
Aren’t there emulators for newer platforms out there now?
And of course. I assume you’re referring to RPCS3 for PS3. PS4 is also in the early stages of being emulated, with simple games being playable.
Ugh, if only. Amazon has done everything in their power to bury and strip that number from the internet. Once upon a time that worked great.
Storytime! Earlier this year, I had an Amazon package stolen. We had reason to be suspicious, so we immediately contacted the landlord and within six hours we had video footage of a woman biking up to the building, taking our packages, and hurriedly leaving.
So of course, I go to Amazon and try to report my package as stolen… which traps me for a whole hour in a loop with Amazon’s “chat support” AI, repeatedly insisting that I wait 48 hours “in case my package shows up”. I cannot explain to this thing clearly enough that, no, it’s not showing up, I literally have video evidence of it being stolen that I’m willing to send you. It literally cuts off the conversation once it gives its final “solution” and I have to restart the convo over and over.
Takes me hours to wrench a damn phone number out of the thing, and a human being actually understands me and sends me a refund within 5 minutes.
Yeah, my first thought as well was that “pulling up” would be pulling the steering wheel back, which wouldn’t do anything. Certainly wouldn’t swerve the car all the way off the road, you wouldn’t want to jerk a plane left or right in that scenario either.
So… definitely made up. But still an amusing greentext.
I think it is a problem. Maybe not for people like us, that understand the concept and its limitations, but “formal reasoning” is exactly how this technology is being pitched to the masses. “Take a picture of your homework and OpenAI will solve it”, “have it reply to your emails”, “have it write code for you”. All reasoning-heavy tasks.
On top of that, Google/Bing have it answering user questions directly, it’s commonly pitched as a “tutor”, or an “assistant”, the OpenAI API is being shoved everywhere under the sun for anything you can imagine for all kinds of tasks, and nobody is attempting to clarify it’s weaknesses in their marketing.
As it becomes more and more common, more and more users who don’t understand it’s fundamentally incapable of reliably doing these things will crop up.