My mom (70) “retired” a few years ago despite not being nearly financially secure enough to do so. Cut to today and she currently has 6k remaining in her 401k with no other savings, and is just over 100k in debt (43k remaining on mortgage, 23k car debt across two cars, 25k credit card debt, 10k in other loans).
Monthly expenses including minimum payments on all loans is $4k ($1k housing, $520 utilities, $800 food/necessities, $675 car payments, $1k credit card/loan payments), and she gets $1.5k a month in social security benefits, so there is a $2.5k deficit that needs to be paid each month which she has been paying with a combination of credit cards and 401k withdrawals.
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Life Matters: ‘Are we a lost generation?’
Are we a lost generation?
I’ve heard millennials referred to as that, and I’m just curious what everyone else thinks. I wonder if that’s true, that everything going to pot in 2001 with the war, 2008 with the real estate market and the ensuing social/economic malaise that has followed would make us a lost generation.
I can’t help but look back and almost feel a sense of betrayal, but that seems almost too harsh of a way to describe it. The social and economic damage that my parents generation did absolutely derailed us from what I have gathered. I don’t blame them, but at the same time I just can’t believe a whole generation would be so careless to live as though there would never be a reason to worry about tomorrow.
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Re-wire Your Motivation with a Dopamine Detox
Struggling to find the drive to tackle your toughest goals? Feeling more drawn to video games and social media than studying or working on your side hustle? The culprit might be right between your ears—it’s called dopamine.
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How Porn is Rewiring Our Brains
Humans are hardwired to seek pleasure and avoid pain. It’s a primal drive that has helped our species survive and thrive. But in today’s hyper-stimulating digital world, could the pursuit of instant gratification through pornography be short-circuiting our natural reward systems?
Linkage
The Real-Time Deepfake Romance Scams Have Arrived – Wired
This is What It Would Look Like If Martin Scorsese Directed "Lord of the Rings" – Ned Hardy
How Scam Calls and Messages Took Over Our Everyday Lives – NY Times
Shortcut to getting bigger foreams and biceps fast – Amazon
The Complicated Reality of Doing What You Love – VOX
100 Greatest Drummers of All Time – Rolling Stone
How IKEA tricks your brain into buying more – The Next Web
The 50 Best Sandwiches We’ve Ever Made – Saveur
I’m a tax lawyer who helps wealthy people move to lower their taxes — and prepare for residency audits – Business Insider
Ryan Garcia Says He Made $10M Betting On Himself to Beat Devin Haney in Boxing Fight – Bleacher Report
Meta Releases Latest AI Model, Seeking to Build Out Rival to ChatGPT – WSJ
Art Uncovered: ‘The Raft of the Medusa’ by Théodore Géricault – Ned Hardy
This robot vacuum is widely considered the best performing robot vac in the mid-range price point – Amazon
A cheap drug may slow down aging. A study will determine if it works – NPR
The Highest Earning Athletes in Seven Professional Sports – Visual Capitalist
Is the Earth itself a giant living creature? – VOX
10 Plans Hitler Would Have Put In Motion If The Nazis Had Won – Listverse
5 Surefire Ways to Make Friends While Traveling – Outside
HOAs are the worst – Reddit
The Dumping Grounds
Confessions Of A Professional Bodybuilder And His Steroid Use
DISCLAIMER: The article in no way condone or encourage the use of Anabolic/Androgenic steroids. This article is intended for educational and entertainment purposes only
I understand you are currently on an off-cycle. How long do you stay on a cycle? Do you increase the dosages or taper off?
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15 Germans, Japanese And Italians Reveal What They Learned About WWII In School
1. German here, we learn as much as possible about it. The general atmosphere in Europe that led to the nazis rise to power, how they were able to take control of the government, the major battles and figures who are associated with the war and of course the holocaust.
Most schools include visits to at least one concentration camp during field excursions (I have been to Auschwitz, Buchenwald and Theresienstadt) and there is a very interesting art project called Stolperstein , which indicates where jews were persecuted in Germany.
In a nutshell, you know how Americans always say ‘Never forget’ when it comes to 9/11? Most Germans are like that with World War 2 and the holocaust.
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Relationship Matters: ‘She Wants a 70k Wedding, but We’re Drowning in Debt’
I (34M) married to my wife (33F) we have two kids together (age 5 and 6) and she’s currently eight months pregnant, we’re expecting in May.
My income has dropped significantly since 2022, I now make 6k monthly after taxes. I pay our rent $2,700, $150 monthly for gas, my phone bill $120, $750 on fun money, and I put everything else in my brokerage account and savings.
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Identity: The Key to Creating Lasting Change
Alright, folks, let’s talk about the power of identity when it comes to creating lasting change in our lives. James Clear, in his book Atomic Habits, hits the nail on the head when he says that our behaviors are a reflection of our identity. In other words, we act in accordance with who we believe we are.
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