So advice later in life that I learned from my mother that I wish other people knew earlier in life.
Ok…
Family is who you choose. Relatives share DNA.
this post was submitted on 20 Jan 2024
30 points (89.5% liked)
Asklemmy
43945 readers
1043 users here now
A loosely moderated place to ask open-ended questions
If your post meets the following criteria, it's welcome here!
- Open-ended question
- Not offensive: at this point, we do not have the bandwidth to moderate overtly political discussions. Assume best intent and be excellent to each other.
- Not regarding using or support for Lemmy: context, see the list of support communities and tools for finding communities below
- Not ad nauseam inducing: please make sure it is a question that would be new to most members
- An actual topic of discussion
Looking for support?
Looking for a community?
- Lemmyverse: community search
- sub.rehab: maps old subreddits to fediverse options, marks official as such
- !lemmy411@lemmy.ca: a community for finding communities
~Icon~ ~by~ ~@Double_A@discuss.tchncs.de~
founded 5 years ago
MODERATORS
From the very moment you start working your first job, put 5 to 10% of every paycheck into a 401K and or IRA account. Start this as early as possible so that you might stand a chance of retiring one day. Do NOT depend on social security or anyone else to care for you when you are old. Sure wish my parents had engrained this idea into my head ....instead I'm starting late and will pay dearly for the missed years of contributions.
Why do you expect that the savings in a 401K will be worth something once you want to retire?
In Germany, about 20 years ago they pushed evwryone to additionally to the normal state funded retirement to have private insurance too (Riesterrente) over time all this money was stolen by shady insurance people who got super rich (Meschmeier or so his name) so that what is still left is not worth anything. But the state owned retirement is still working kind of OK.
(I'M NOT FROM THE uS, so I'm not sure if 401k is state owned or private)
401k (employer sponsored) and IRA (individual account) are managed by investment companies. They’re not a state operated asset. It seems unlikely that the government would move it away from these investment companies because they’re probably great a lobbying.
The law states that these retirement accounts should be completely untouched and recoverable if the company goes bankrupt.
Historically the market returns have been around 7% annually over the long long term but that fluctuates a lot and might not even be possible into the future but America is good at pumping those numbers up so idk.
Yes. “Put your money here, it will be there when you’re old—we promise.” Is a ridiculous plan.
You get to choose how your 401k is invested, though. The only difference is a tax advantage.
The advice is just: save money, let it grow using compound interest, use tax laws to your advantage.
There's no "trust the government" in that advice.
When I get too old, my plan is a bullet. Can’t spend that 401k when it will be stolen from me by the time I get there. Look at the world and the path it is on.
Find a way to work a small amount of exercise into your daily routine. Walk places instead of driving, do some jumping jacks in the morning or before bed, something simple that you can get yourself to do without much stress or planning. If you do it consistently, even 10-20 minutes of exercise a day can make a big difference in the long run.
If you're not happy with what you're doing or what you have, make at least a rough plan on the steps how you will change it so that you'll like your life more in the future.
By doing so you realize that there is a way out of the missery and it gets easier to get out of it.
Any ideas if one can't even quantity what it is they want?
You could start with a list of things you don't want and then you figure out how to avoid them.
Sometimes all the choices you have are negative choices.
Then there is still stoicism!
That your actions, if not harmful, shouldn't be based on societal approval.
Everyone can teach you something!
Become involved in your community. It’s hard to hate people that differ from you if you know them.
It's good learning from your own mistakes, but even better if you can learn from other peoples mistakes
Also, there's great benefit if confirming your assumptions are correct about things - so many times we build a poisoned narrative in our minds or decide based on faulty ideas
Learning from others' mistakes is real. I've learned a lot from my dad that way—I say that I've learned to so basically the opposite of what my dad does
Not cleaning your belly button can cause it to fall off
Fellow outie?
Glory to the outies! Mine is a hernia.
Not advices but these are somethings that I inferred from their behaviour.
- Treat people of every religion equally.
- Trans people are people just like us.
- Empathy over sympathy.
- If your sibling is selfish you be the better person and not be selfish.
Things I wish someone told me when I was a kid:
- Be kind to people and animals(I was a humongous jerk when I was a kid).
- Brush twice a day.
You won't believe how many people don't know enough to not consume large amounts of calcium if stones run in their family.
Getting older is like getting to know yourself.
That everyone is equal.
If you believe everyone is human equally:
If you had the same genetics and upbringing as that "bad hombre" , you'd make the same choices.