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.

What the hell are you even talking about? What are the bands that you like that used to tour and only play festivals now?

Covid fucked everything up.

They might know some other younger people who they can connect you with. Maybe not though.

It’s cause they like free loans sucker.

Ok I got home pretty late so I’m not going to donit tonight but I’ll do it sometime tomorrow. I’ll mark this as unread so I remember.

I have a cookbook that has some, I can send you some pics when I get home. It’ll be a few hours so i might forget. If you’re interested remind me and I’ll be happy to.

Starting a new lift routine after I stopped for awhile after a non lifting related rib injury.

Lessons learned that I’m bringing into it this go around:

While I’ve professed and lived by the mantra of “start slow, build slow”, for any kind of exercise routine, I’ve never really considered the importance of staying slow. As soon as I start feeling the benefits of my slow, but steady and gainful progression, I’ll get excited and jump weights and do whatever else weird stuff. This time I’m just going to stay slow.

In conjunction one of the most challenging moments for me is the time right before/after and then beginning a new routine. The emotional buildup, relief, and then uncertainty that often comes in those moments leaves me vulnerable to getting out of my rhythm. I get so focused on completing my goal, that I don’t really know what I want to do next, so I can go from pure motivation/accomplishment to really aimlessness after.

So anyway to address that I’m committing to a longer routine, this one is set for 48 weeks, and I’m going to avoid setting medium goals like get to X weight, or beat my PR on this lift. I’ve used those in the past to motivate me to lift, but those aren’t my goals, my goal is to continue lifting for 48 weeks.

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

Loans are given out for 1 reason, to receive interest payments.

If he’s making the interest payments, then they’re going to keep loaning him money.

Lenders often make stupid decisions and risky loans but at its core, a loan is determined by two(three) things.

1. Does the lender believe the borrower has enough income to pay the minimum monthly payments?

2. Does the lender believe the borrower has enough assets, which if liquidated could pay off the remaining debt?

3. Is it worth the risk?

I’m no finance expert and there’s a lot of specifics between different types of loans that have different reasons. Like a personal loan, mortgage, car loan, business loan. Way more than that idk.

There’s also reasons banks will or will not loan money that are a little more vibe based, ie racism, classism.

But the lenders, either correctly or incorrectly, have determined he has the income streams and the assets(sounds like he owns lots of property), that risking 1.2 bil made financial sense. A lot of thst probably is tied to real estate.

Having said all that holy shit that’s a lot of money. Assuming he’s paying only the interest at 3% apr that’s $36,000,000 a year. Fuck.

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.

You can absolutely use positive reinforcement to bribe yourself into doing something.

If something feels abstract, it’s because you haven’t broken it down into small enough steps, and/or you haven’t identified properly what that concept actually means in practice.

Practice the Major System weekly/monthly until memorized. Ok what does that look like? What does that entail?

I’m not sure what that is but you have three memorization tasks. You don’t have to think about them all separately. You can think about it like this.

Ok I want to be a memorizer. I’ll do that by practicing weekly. Practicing weekly means practicing twice a week. Practicing twice a week means once on Monday and once on Thursday. I will practice those days after dinner After dinner means, as soon as I eat dinner, I will put away my dishes, and immediately start practicing. I will practice for 20 minutes each day.

Things to consider to set yourself up for success. Have a space where you always practice. Set up the things you need to practice before you eat dinner, or while it’s cooking. So that could look like: If I am cooking dinner, before its cooking I will identify a time before I start where I’ll have a few minutes to set up my space. Examples: While the water is boiling Right after the food goes in the oven Or whatever. If you can’t think of a time, do it between the prep work and before anything hot happens.

If youre just reheating something. While I wait for this to heat up, I will set up my practice space. If youre ordering food. Right after I order food I’ll set up my practice space.

You get the picture right? What does setting up the practice space entail? Idk. Clear it. Set out your book. Or go to the website idk, but you do.

Then once you memorize one thing you just adjust that routine to the next memorization task as needed.

I second atomic habits. It’s been the best book ive read at organizing, connecting and articulating a lot of the different ideas/lessons I’ve learned and picked up over the years.

I find his writing style pretty boring though XD

TIL the word malapropism. Thanks!

Reminds me of when I was like 21 and one of my friends would get super worked up and annoyed when our friend would mess up an idiom. I had to take him aside a couple times and tell him “look my guy, you need to relax. You obviously understood what she was trying to say, it literally does not matter, and this person is your friend stop being a jerk.”

I can’t remember if he eventually chilled or I just moved away and forgot about it lol

Good post. I think there’s several different reasons. It’s a shortcut to identity, community. It gives people something to believe in. It can just simplify things. They have good feelings attached to X, so when X is thought of or spoke of or whatever it brings up good feelings.

For me I’d consider myself a fan of 3 different sports teams. I don’t watch the other teams playing, except if it’s something especially intriguing. Any info or news about other teams is always processed with a varying amount ok how does this relate to my team. Or how does this provide more context about what my team is doing. I like it. It’s fun. How much and how frequently I care is related to how good the team is, but I’ll always check in eventually even if they’re garbage lol.

I’d just call it a heuristic. Fandom is a heuristic that can simplify and/or strengthen someone’s ability to gaf about something.

No thank you for writing it all out.

There’s lots of info out there ofc, but the two places I get most of my info now are the stronger by science guys and Jeff Nippard. I really like their approaches. Strength training and technique mostly but general understanding of theory and approach. Big and strong. Mobility and calisthenics I like the saturno movement group. They have an impressive mix of strength, mobility and skill.

So when I say you should or it is, I’m not saying I’m correct or it’s facts but it’s what I’ve learned taking info from people who work really hard in understanding their craft and work hard on sharing it. Of course it’s also what I’ve been able to “confirm” in my own experiences. Ymmv though.

Don’t think of beginner, intermediate or advanced as how strong you are, or how much you’ve done it in the past. This is how I understand it.

Beginners: make quick and consistent progress

Intermediate: once you reach a plateau on your progress you’re approaching intermediate. Here you have to readjust. Maybe you’ll spend 2-4 weeks at a weight before you can progress.

Advanced: I’ve never reached this level so I’m not familiar with it from my own experience but my understanding its takes a lot of very targeted work and honing in on technique to raise their weight by even 5lbs/ 1 rep.

So unless you’ve ever been at the Advanced stage if you take too long off you’re going to start back at Beginner. It’s not a bad thing it just means you will be able to make progress quickly.

The stronger you already are, and the more experience you have, the higher your baseline, and the shorter your Beginner period usually is.

For me after an injury from doing something stupid outside the gym, lol, I start with a beginner routine. Each time I’m at the stage for less and less before I get back up to my working weight. Like last time it took me about 3 months, to get to a weight that took me 8 months before the injury.

Beginner routines to me are defined by their simplicity and their focus on progressive overload. If you’re at a place where you can do daily or weekly increases to weight or volume than you’re a beginner. It doesn’t mean your weak, it means you can improve faster than someone who’s been consistently at it for months/years.

So don’t think of it as a bad thing, its not.

You also need to pick a routine and stick with it. You’re motivated right now so its easy to do whatever, but having to think about what you’re going to do each time will not only take more discipline and energy, but it’ll be just way less effective because you’re doing random stuff. Not to mention you give yourself space to make compromises and excuses in the moment.

It’s just really chaotic. Good job in going, it’s better than paralysis analysis, but if you want to succeed from a results standpoint, any sort of beginner routine will be better than what you’re doing now. If you want to succeed from a still doing in a few months standpoint you need a build in a routine around the gym that removes as much ambiguity and choice as possible. One day, “maybe I’ll just go tomorrow” will eventually turn into “eh I’m not really feeling it this week” and the next thing you know you haven’t gone in weeks.

This is something ive experienced and had to work through, this is something most people go through. The people who don’t, have very good routines and/or have been going consistently for so long they can’t imagine actually not going to the gym.

Try to think about why you stopped going the last time. If it was an injury or something then think about why you didn’t start again when healed.

I’d be happy to help you brainstorm and choose a routine for in the gym and around it if you’d like. We can address your goals and what it might/would take to reach them.

I of course encourage you to do your own research. I’d point you to the people I mentioned above, but there’s lots of good stuff out there.

You’re always welcome to come back and ask me whatever questions you have. You don’t need to censure yourself with me, if I don’t want to read something or answer something I won’t.

Edit: the Jim thing was funny. If you do want to go more in depth I don’t mind doing it here, but if you’d rather do it somewhere else just dm me.

Well I wrote a bunch of stuff to try and answer your questions, which I’m still happy to post as a followup, but I think I’ll start with this instead.

Before I tell you what I think of those things, can you tell me more about what your current routine or plan is and if you have any specific or general goals?

I honestly have no idea from what you shared so far.