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Joined 1 year ago
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Cake day: June 20th, 2023

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  • There is not a hard and fast rule for how big your emergency fund should be but there are definitely a lot of folks in the personal finance community who have at least 6 months in some type of readily available account that’s not tied up in 401k or other investment funds which have early withdrawal penalties.

    How much you save comes down to the individuals ability to do so and how much risk they are at if they were to suddenly lose a source of steady income and how much debt they currently have. For people with a lot of ongoing expenses, it’d be smart to try and pad up some safety net so they don’t have their life completely fall apart if they somehow lost their job. This also might vary if you are single income or multiple streams for the household.

    6 months is probably on the higher side since there’s the opportunity cost of not investing surplus money somewhere that could have a higher rate of returns. Usually money that is in emergency funds have lower interest rates as a tradeoff. And if you have upwards of 4 months or more, you can use that time to draw from other accounts for more money if you see that the emergency fund isn’t enough.


  • It was pretty popular into the early 2000s as well as far as I’m concerned. Just not in media as much.

    Options for word choices have diminished and aren’t as edgy, but I still see men call each other cupcakes and removed in lieu of using more classical words.

    Edit: Guess there’s some pretty strong word filters here. It was the b-word in case anyone was wondering. Feel like I’m in elementary school…






  • This is just a personal opinion but I suspect the trend is not linear. There will be a surge in acceptance and then possibly a calm in popularity. Social pressures aside, I feel there may be some portion of the world that is bi/pan but not in numbers so large that it would be a huge shift in current status quos. We’re also at a time when mental health is seeing an identity crisis and we’re trying to label every quirk. Gender identity almost seems like part of a shotgun approach to try and fix other issues.

    I do not want to sound like I’m downplaying the importance of sexual orientation and gender identity, but there’s just so much going on socially with how fast we’re moving as a culture with the Internet that it’s hard to predict what is real and what is trendy.

    Of course I could be entirely wrong.


  • If I actually wanted to make an event out of it and didn’t have plans for Sunday, then the classic Sunday meal prep strategy applies.

    But many times, I also feel lazy or have stuff going on so I try to find one day in the week where I can cook some type of larger effort item that takes more than a couple hours and do the rest on other days. Mind you, I live alone so YMMV. But for example, I could spend one day with the high effort portion of a main dish. This would classically be some type of protein but I don’t always want to limit myself to that mentality. Just anything that I’d be most excited to eat.

    If I don’t have the time to make any other sides, I won’t. I’ll have a partial meal that day and do other stuff while I put the rest in the fridge. Then the next day I’ll cook a different side or two. If I do it right, I’ll have a rotating menu of options in the fridge where I cook new dishes to replenish ones that are about to be gone.

    This way, I don’t need to dedicate a whole day to cooking, and I can still have fun with cooking in smaller portions and still have the evening to do other things. My meals can also be a mix of various sides which can stagger. This is not always the case as I do find myself just clearing things out frequently to start from a fresh palette of foods. But just a different take on the meal prep that I personally find is manageable.