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Joined 1 year ago
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Cake day: July 9th, 2023

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  • I’m not a big fan of the idea of abortion

    Are you saying you’re not a big fan as in you don’t think it’s a great, fun thing to do? Like “I’m not a big fan of _____ sport”? Or against the idea itself?

    I’m assuming that by “the idea of abortion” what you really mean is that you’re not a fan of killing babies, which is not what abortions are doing.

    And if that’s not what you mean then I ask that you clarify what it is you do mean since, sure, you make decent points here but it’s important that everyone understands what an abortion is and what is being aborted, which is almost never a living baby.

    If I’m being honest, someone who says they don’t like the idea of abortion sounds like someone who doesn’t know much at all about what one is or what it’s removing. Or someone who thinks abortions are for sluts who go out fucking everyone and getting pregnant and just aborting 3rd trimester babies bc they’re sluts (I will clarify here that I also don’t see a problem with female promiscuity resulting in abortion either)






  • Congrats! Some unsolicited money advice I wish I had known earlier in my career:

    If you have a mortgage and the interest rate is less than 7ish percent and you’re wanting to pay it early, something to consider:

    You might put whatever extra you were planning into a Roth IRA until it’s maxed and also max out your 401k if your employment has that. Historical yield is 7ish% and compound interest will help you immensely 20-30 years down the line.

    Paying off the house early is nice feeling but you can possibly refinance for lower rates later if it’s currently similar to or higher than historical investment yields. You could also do a little bit of both but prioritizing retirement accounts is the smarter move imo. So if your mortgage rate is 5% and you want to pay that down, you’re leaving 2% on the table by not putting it into either an IRA or an index fund instead.

    This is assuming you’re not carrying other debts at higher rates like credit cards, those should be your priority. Next would be 3 months of all bills saved up, you can find some decent interest rates on savings accounts. I have Acorns and it’s at 5% so the 3 months reserves will stack interest for you too.