Ideally, you set aside 3 to 6 months worth of your typical monthly spending to cover (some) emergencies and job loss, then invest everything else. 401(k) is still tax advantaged in the same way as an IRA, and you can typically do roth contributions to a 401(k) too. So there are benefits to going above your employer match.

But, you’re right that you don’t want to trap all of your money into a retirement account either. You’ll probably want to make large purchases like a car or house. In that case, you plan out a timeline and invest in less risky things depending on how far out you plan to purchase said thing.

The overall idea of “invest in index funds as much as possible” can be applied generally, but the amount that you contribute and in which types of accounts heavily depends on the individual.

I just wanted to point out that 401(k)s without employer matching are basically just IRAs with high yearly caps because it took me a few years to realize that, and I fancied myself financially literate. It can be a good idea to contribute more, so long as you don’t need the money elsewhere.

As best as you can, max out Roth IRA with an S&P 500 fund like VOO or a targeted date index fund. Also contribute to a 401(k) as much as possible.

The post is saying it’s difficult to discover lemmy without someone telling you about it. It’s not really about searching lemmy.

Lol, I’m not from Germany but I seriously doubt they’d fail you in a driving test because you put the car in neutral before you start it. That’s just ridiculous.

In that scenario, how do you get established borders in the first place?

To add to this, also research ETF and mutual fund fees! Sooooo many are more than willing to charge a “small” 1% fee that will cost you thousands of dollars or more. Others are bold and charge even more. Look for fees in the 0.01% - 0.03% range for your trusty index and targeted retirement funds. Some even have 0%, though those harder to come by.

Freeze your credit at all 3 major credit reporting agencies! Do it now, if you haven’t already. And don’t let them trick you into paying money to do it. It is 100% free everywhere.

It takes a few minutes and could save you lots and lots of time and money, since it makes opening new lines of credit in your name near impossible even if they know your SSN.

Groceries cost the same with or without a credit card. The store is paying the card every transaction, not the user. Annual fee cards need more scrutiny and are often not worth it unless you’re playing the travel points game (and what a game it is). No card in existence is worth it unless you pay it off in full every month.

They even have non-cashback/points perks that are worthwhile, like rental car/travel/phone insurance. My family has saved hundreds with free phone insurance from a card. My screen stopped working, and I got a new one for $30 from an authorized repair joint, which otherwise would have cost like $300.

So, yes, cards do give you free money so long as you don’t hold a balance.

Chipotle failed to unionize and I bet short term profits are up.

Google decided that work-life balance was more important than winning

Yes. Work-life balance is quite literally the most important aspect of any job, arguably second only to pay. If an employer doesn’t agree, then they’re not my employer.

Sorry, you psychopathic oligarch fuck, but people have better things to do than work themselves to death to buy you a 54th yacht. Maybe try moving to an apartheid state if that’s what you want. It worked for the Musks.

There are services that’ll sell you a brand-new modded oled switch for less than £500. It’s not exactly rare, any switch can be modded and a modchip is better than the OG joycon exploit since modchips are untethered.

But… it’s cybersecurity. What is a “brief visual and non-intrusive room inspection” even looking for? Anonymous masks? Green terminals with scrolling text? People shouting “enhance” and/or “I’m in”?

I’ll stop speeding when the mfs around here stop building 6 lane roads with a 30mph speed limit.

Dems controlled the Senate with the slimmest majority possible. One fucker that owns a coal company was able to tank all meaningful climate bills and there was nothing Biden or anyone else could do about it. You can forget about any progressive policies in that environment, lol. Biden did well with the tools he was given.

TLDR: Mostly extortion via “protection” fees for various businesses. Also, illegal taps into fuel pipelines and then selling the fuel on the black market.

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If you’re worried about unauthorized access to the physical machine, you could always just do disk-level encryption instead or store the app’s data in something like a Veracrypt virtual disk. They’d still be able to access the data if they go through your OS/user, but wouldn’t pick anything up by accessing the drive directly.

Nothing short of E2EE can truly stop someone from accessing your data if they have physical access to the server, but disk encryption would require a targeted attack to break, and no host is wasting their time targeting your meme server. I seriously doubt they’d access it even if you had no encryption at all, since if they get caught doing that they’d get in a heap of legal trouble and lose a ton of business.