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We’ve all been there. You’re standing in the grocery store, comparing the price tags on two brands of peanut butter. One costs a dollar more, but you’re not sure if it’s worth it. You start to wonder if you’re being frugal or if you’re just being cheap. What’s the difference, anyway? And more importantly, how do you know when you’ve crossed the line from smart spending to penny-pinching?
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Hey guys the new model 3 is now at 1.99 APR for a 3 year loan and I really want one for the tech (not cause it’s an EV or any political/environmental reason) I am 27M.
My current financials situation is I make 90k a year, net worth is 160k, no student loans, no mortgage, no credit card debt, no car deb [paid off] worth around 18k. I know car is a horrible financial decision but I don’t spend on anything. I know I could not buy one and keep saving/investing too but idk
Yes, technically you can afford to get the Tesla, but let’s take a step back and look at this from a different perspective. You mentioned that you know a car is a horrible financial decision, and you’re absolutely right. Here’s why:
My wife and I have been married for about 10 years and have two small kids. We both work, but we have separate bank accounts (partly because she is bad at managing money), though we do split bills, etc. My job pays a bit more. Recently, some bad financial stuff has come to light.
About 6 months ago, my wife revealed to me that she had racked up about $10,000 in credit card debt, and the interest was getting away from her. At the time she told me, it all suddenly made sense why she had been asking me for money at the end of the month for several months running—it was because she was struggling to pay off the debt. After a tough conversation, we got a low(er)-interest bank loan to pay off the credit cards, and we worked out a monthly payment plan to get it paid off within 3 years.
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When it comes to managing money as a couple, there’s a lot of debate about whether you should keep your finances separate or combine them. But let’s cut the crap: combining finances with your partner is one of the most powerful moves you can make for your relationship and your financial future.
[Read more…] about The Case for Combining Finances in Your Marriage
21 Fascinating Photos Collected From History – Ned Hardy
If you are lifting heavy ass weights, strongly consider getting knee sleeves. They keep your knees warm between sets, and helps keep the tendons and ligaments compressed, helping with stability in the lift overall – Amazon
Drumsticks Don’t Melt Like Ice Cream Because They Aren’t – The Takeout
Think big SUVs are super safe? Think again – Quartz
National Park Too Crowded? Try These Stunning National Forests – Thrillist
What Is the Most Expensive Toy in the World? – Nerdable
Gene editing’s next big targets – Axios
This Is The Oldest Home On The Market In America. Take A Look Inside – Zillow
The Top 7 Ways to Win Your Woman Over – Linkiest
Why Haven’t Home Prices Dropped? – Of Dollars and Data
Model Gets A Reality Check After She Tries To Call Out Man She Claims Checked Her Out – Bored Panda
The Best Games of 2024 (So Far) – Den of Geek
The WNBA, capturing excitement around Caitlin Clark, boasts more viewers than ever – NPR
This book is a brutal and mesmerizing masterpiece that redefines the Western genre with its poetic prose and haunting depiction of violence and survival – Amazon
The Top New Features Coming to Apple’s iOS 18 and iPadOS 18 – Wired
Boeing’s Urgent Mission to Train Thousands of Rookies How to Build an Airplane – WSJ
6 Things to Know Before You Sleep With a Woman (She Won’t Tell You This) – Wing Girl Method
Increase Your Agency By Responding, Instead of Reacting – Mindful
“Mega Man 2” Bosses Ranked by How Much You Should Avoid Them in the Pit – The Hard Times
Our Mistaken Ideas About What Makes Us Happy – Zen Habits
Artificial intelligence stands as one of humanity’s greatest achievements. It’s a testament to our ingenuity, our relentless pursuit of progress, and our ability to transform the world in unimaginable ways. However, with great power comes great responsibility, and the rise of AI brings with it existential risks that we cannot afford to ignore. The possibility that AI could one day lead to human extinction is not just a topic for science fiction; it’s a real and pressing concern that demands our attention.
[Read more…] about The Potential of AI to Cause Human Extinction
I had cheated on the woman I was dating for about a year and half. Not going to make excuses it was a really stupid thing I did. I broke her heart and I felt so horrible when she found out. One of her friends told her since word got around. She broke up with me.
That was about six months ago. I haven’t been dating at all, despite it being my fault my heart still hurts. I truly fucked up such a good thing. Obviously I didn’t deserve her but I still miss her.
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1. Don’t think about how long its going to take to get there. Just consistently do a bunch of small steps and make the daily routine steps better than the last time you did them even if its just hanging a broom neatly vs just throwing it in a closet. It is that one degree of change until you’ve suddenly come full circle.
[Read more…] about 14 People Who Have Their Lives Together Reveal How They Do It
