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.
Being comfortable doesn't garner attention or internet points. It also doesn't make for good discourse. Lemmy along with most social sites bias the discussion to how poor things are to make it seem like everyone is on the verge of homelessness. While it's not representative of the real proportions, it's still capturing the downward trend of CoL and income getting closer. Hopefully the squeaky wheel gets some reform, but the trend has been happening and identified for decades so that further compounds the doom and gloom.
Housing is in not great, but I hoesntly don't think we should be in a society where buying a full sized house on a starting salary is something everyone should be able to achieve. Not because I don't think people deserve housing, but because it's not a sustainable goal. There should be nicer affordable housing with higher density. I think part of the expectations or entitlement comes from consumerism making us feel like we should all have that house and car. If there was enough inventory of big houses with yards for everyone, I can only imagine the suburban hellscape we'd need to accommodate. Every city will have to look like suburban LA and the transit infrastructure will be a standstill.
FWIW, I'm in the boat where I'm doing okay SINK and targeting early retirement. But it did take discipline and working in a position with some upward mobility. I live in a town house with shared walls (not great). But I have peers who make 1/2 as much as me with budgets of spending 2-3 times the cost of my townhouse just so they can get their ideal vision of a home. They could pull it off, but they'd also be living on a razors edge and one step from financial ruin.
The best part about this is that the section near the tip is clearly more worn out than the rest.
Drinking in my 30s really meant that I won't get much of a buzz, but will feel bloated and get a headache later. Also, unless I do all my drinking early in the day, I won't get a good night's sleep because my heart will be racing.
So...only have 2-3 drinks max for the day and do it before the sun sets so I have the evening to process it. Or don't bother at all since the benefits don't really outweigh the cost. Staying hydrated throughout is important but doesn't really fix any of the aforementioned issues.
As someone who actually reads the NYTimes, this isn't really a traditional article publication format. The format of the website shows a headline for latest info for a news event and then you click on it and there is a live feed of info coming in the form of summaries and some quick posts from reporters as the situation develops along with the time of when the particular block of info was posted.
If people are complaining because they think they just write a single article, hit publish, and then only edit the headline as they feel like it, they're not familiar with how news is communicated now and likely don't read the news, just headlines, screenshots, and posts on social media.
It's poor UI but also I think it's a sign that the userbase has been coddled too much with things like this. Even Google adding the search bar widget to their homescreen of Android is kind of an illusion since it doesn't need to be shaped that way. But an entire generation has been programmed to type into a little empty field with a search button that they don't think of alternatives anymore.
Windows 8 thru 11 are trying to add sleeker and more intuitive interface skins to be more usable for the masses but the underlying OS is still the same. Accessing additional options that a legacy Windows user uses all the time just takes you back to the old menus. It feels so lazy that each major windows iteration feels like a new skin on top of windows xp/2000 because not much really has changed since then other than the bloat and a few cute features that could've been done with a 3rd party app.
Obviously being a little reductive here but with how windows 11 looks, I would've imagined it being actually different. But as soon as I right click something and view more options, it's clear it's still the same stuff once the old right click menu pops up from underneath.
The collision itself will generate heat. And a super continent with less water will also absorb more heat energy without having water near its center.
Mammals’ Time on Earth Is Half Over, Scientists Predict https://www.nytimes.com/2023/09/25/science/future-earth-warming-mammal-extinction.html?unlocked_article_code=i-Vz9jIKNFOAz9W461kSfuXdwSaNLqY1OA6-RZUjsXXCFqdC3ZYi5fzATecJES9S5U55iemPY0VVELjOxBte3G2-M5XW3LZ5x0wuvCGDe85590sumzR9EYMPibkT_EUEnWQ65UT0fgYejXoFiqiwwLPaO5VtNWlz187tW6MRjycS3Q4iSAbvCHj4Ga9QI6WR-xod26K-0yKDaHB_iqod3s9o3MBh722dNZmHIUBcVwG_iJ-ocfLFLQFJrSs2kS0JihLKWpETwiCd9EcgcbwCh58HVCY1sN0wg-wX1ThT0TbY5CZCdDXsKwQYsG-F6efLTTF0aSaRxIudb1g9WoWdhmRF4NBChEigjxDOJO2NM2Y2&smid=nytcore-android-share
When the tectonic plates collide again to form another supercontinent, it will create enough heat to kill off most, if not all, mammals. And it will happen before the sun destroys everything, probably in around 250 million years or so.
Fruit is a botanical term for things with seeds in it. Vegetable is a culinary term. They aren't mutually exclusive so when people say something is either a fruit OR a vegetable, it isn't an apples vs oranges comparison.
My dreams are having to look for and/or wait for a public stall. And then when you finally get to it, it's almost overflowing in piss and shit and the entire place is a mess. But you gotta do what you gotta do.
Recurring subconscious anxiety.
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...
Dave Shafer at 5' 5" and 150 lbs? How is that even remotely close?
"You didn't bring back the real Jesus. This is a false flag. Jesus was a Soros plant and not the same savior mentioned in the Bible." Is probably what people will say if you did the former.
Except they shed micro plastics everywhere including the water supply.
Except they shed micro plastics everywhere and into the water supply.
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.
I've been to Portland, ME a few times for vacation and one time a few of us decided to bike everywhere. Couldn't go car free since our hotel was a bit far away, but once we parked, it was bikes all day. There wasn't a ton about Portland that made it stand out in terms of places you can't find in other towns, but the ability to ride around to all those places made the difference between a vacation destination and just a thing to do for a weekend.
To have the same experience in terms of types of places to visit in a day my area would require driving 10-20 minutes between each spot which definitely takes the winds out of the sails for trying to enjoy yourself.