this post was submitted on 20 Feb 2024
1864 points (99.0% liked)
Lemmy Shitpost
26920 readers
3476 users here now
Welcome to Lemmy Shitpost. Here you can shitpost to your hearts content.
Anything and everything goes. Memes, Jokes, Vents and Banter. Though we still have to comply with lemmy.world instance rules. So behave!
Rules:
1. Be Respectful
Refrain from using harmful language pertaining to a protected characteristic: e.g. race, gender, sexuality, disability or religion.
Refrain from being argumentative when responding or commenting to posts/replies. Personal attacks are not welcome here.
...
2. No Illegal Content
Content that violates the law. Any post/comment found to be in breach of common law will be removed and given to the authorities if required.
That means:
-No promoting violence/threats against any individuals
-No CSA content or Revenge Porn
-No sharing private/personal information (Doxxing)
...
3. No Spam
Posting the same post, no matter the intent is against the rules.
-If you have posted content, please refrain from re-posting said content within this community.
-Do not spam posts with intent to harass, annoy, bully, advertise, scam or harm this community.
-No posting Scams/Advertisements/Phishing Links/IP Grabbers
-No Bots, Bots will be banned from the community.
...
4. No Porn/Explicit
Content
-Do not post explicit content. Lemmy.World is not the instance for NSFW content.
-Do not post Gore or Shock Content.
...
5. No Enciting Harassment,
Brigading, Doxxing or Witch Hunts
-Do not Brigade other Communities
-No calls to action against other communities/users within Lemmy or outside of Lemmy.
-No Witch Hunts against users/communities.
-No content that harasses members within or outside of the community.
...
6. NSFW should be behind NSFW tags.
-Content that is NSFW should be behind NSFW tags.
-Content that might be distressing should be kept behind NSFW tags.
...
If you see content that is a breach of the rules, please flag and report the comment and a moderator will take action where they can.
Also check out:
Partnered Communities:
1.Memes
10.LinuxMemes (Linux themed memes)
Reach out to
All communities included on the sidebar are to be made in compliance with the instance rules. Striker
founded 1 year ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
Bring able to save a significant portion of your income more than the US poverty line for 30 years without some black swan life event happening to drain it also partly depends on being lucky or/and not having children. The median US household makes plenty to become millionaires for maintainkng a reasonable QoL if there aren't any such black swan events or children involved.
For my mom, it was a custody battle for children that initially wiped her life savings. She since has often worked 100 hours weeks at a job that pays above average for a blue collar job to make enough to back up to retire (plus happens to have worked at the same company long enough to get a pension, something they phased out for anyone less senior than her), but that's not something anyone should be expected to do be able to retire, so I'm not quick to judge people for not having accumulated money.
But a lot of people waste money on convenience in ways that definitely add up cumulatively over the decades. $5/day adds up to $150k after adjusting for inflation over 30 years. A $10/month subscription is $10k over 30 years. Reducing costs like that in a few places can cumulatively get you to at least theoretically being on track to be a millionaire.
The QoL aspect is extremely important though. If I can't have one $10/mo subscription... what's the point of being a millionaire in some hypothetical future if I spend my prime years depraved and depressed?
That's been a point of discussion in financial independence circles. You can rearrange your whole life so you're saving 60% of your income, and some people have. Are they happy? Often not, and some of them have backed off when they realized they shouldn't give up so much happiness now for the prospect of being happy later.
Sure, but at the median income in the US, you don't need to be depraved or depressed. At least not for monetary reasons. I'm not saying you need have to cut all subscriptions. A lot of people have much more than one reoccurring charges or spending habits that could either be reduced or cut completely with little to no effect on QoL.