Ufot [he/him]

What are ethical ways people could/should invest their money into instead?

I’m not going to ever be a landlord, but I want to retire at the point.

Maybe you can enlighten me on more ethical ways to invest my money because at this point I think not putting money into a 401k is a terrible financial decision.

Tax deferred compounding interest is too good of a deal for the average person to pass up. Over 30 years you’ll be looking at anywhere from 100-150% return on investment.

$50 a paycheck for 30 years with 5% avg return turns your $39k total contributions into $100k in retirement savings. $100 turns $78k in total contributions into $200k savings.

For many people who find saving difficult, me included, being able to set it and forget it, plus the understanding it needs to be for retirement to get the full return, has allowed me to save money I would have spent/wasted otherwise.

Due to the compounding factor, the sooner a person starts the better the return, so to discourage young people to not put money into a 401k is IMO actively harmful.

IMO It’s like telling someone they shouldn’t have health insurance. Yeah it’s bullshit that society forces us to participate in a fucked up system but not having it puts future you at a terrible risk.

If I throw something at your head and it hits you in the face, was it because you did something irrational?

No. Maybe the throw was too hard. Maybe you weren’t paying attention. Maybe you can’t see, or maybe your arms don’t work the way other people’s do. Maybe you felt something coming and didn’t know what to do and panicked. Maybe you like getting hit in the face. Maybe I threw it really softly, and you were paying attention, but you’ve never practiced or tried to block/dodge a moving object and it hits you on the nose.

None of those situations are irrational. The only thing irrational that could occur is thinking it happened because of something that couldn’t be explained, or by maybe trying the same thing over and over again and expecting different results.

Hmm that’s pretty interesting. I don’t think it’s a good way to learn how to cook on its own, but if you can identify what most of the common herbs/spices smell and taste like, even being able to pick them out from a cooked dish, you’re going to understand the theory a lot easier and more deeply.

So I’m basically recommending you do the cook version of ear training lol. It’s probably the hardest way to learn how to play music(or cook), but if you already have a decent foundation in it, it’ll definitely help you understand wth is going on. Otherwise its just pure sniff ideology? I think that applies lol

All just depends on what your goals are. If you want to cook the best stuff with the least effort, just find a few recipes you really like and try to follow the recipe exactly. I’m happy to go into more detail on what I think has helped me get better at cooking. I’m no expert and never had any formal training but I’ve tried pretty hard to get better over the last fifteen or so years lol. lmk

Eyyy i’m removedioli pastaoling ova heaahh

Smell it. Give it a little taste. Slowly add it to something. Hell steep a little in hot water and take a sip.

If you want to get good with herbs/spices first use fewer at a time, and really get to know them.

I’d say whether I’ve done it part of a group or just randomly when I had extra food and offered it to someone theyve accepted way more than not.

I’ve been asked if I could buy some chips multiple times. I’ve bought and ate meals with people.

Maybe it’s different in the places I’ve lived.

Eh having said all that, I’ve also talked with some people who were able to get food okay but needed money for other basic necessities. You can find food in a dumpster but not a shower or a safe place to sleep.

Some people also need to be mobile and it’s a lot easier to haul cash than food.

Great. They’re faster than an oven and you can get a better result with less oil. For best results you’ll still need oil. Best part is they preheat faster and are heating a smaller space so you dont need to turn on a giant oven to cook a potato or whatever.

Someone recommended getting a multi use one. I used my roommates toaster oven/air fryer combo and loved it.