Yep we’ve got a large utensil drawer

You gotta remember the time horizon, even with historically bad presidents in office, if you smooth the line of the stock market returns over 10, 20, or 30 years, it ends up looking like a really, really good as an investment opportunity. Especially if you’re into dollar cost averaging.

Basically, if Trump tanks the stock market by going way overboard with things like tariffs, that would (at least looking at historical trends, I’m no financial expert or anything) make for a killer time to buy into the stock market because you’re getting stocks at a “discount.” Then when a different president / legislature comes into office, and if they turn around the economy, your investment would rise faster than otherwise expected.

Again, you gotta do what’s right for you, this isn’t me saying you should absolutely invest or anything, especially if your basic needs aren’t met or your emergency savings aren’t at a good enough level to last 6–12 months unemployed. This is just how it has been for the last ~100 years.

I’m not certain why they have HSA after 401k and IRA, but some possible things I can think of:

• HSAs can be harder to take advantage of of the triple tax benefit if you’re retiring early (that is, still younger and healthier)
• HSAs probably have worse investment options than an IRA
• Allowing the user to optimize their Roth vs Traditional mix

Again, I don’t really know because you’re right about the HSA triple tax advantage making it seem better than IRA or 401k, but I’m sure there was a reason given if you care to trawl the subreddit.

As much as I hate to send you to Reddit, the r/personalfinance flowchart is hard to beat for most people. I’d recommend you start there to make sure you’re not overlooking something like your emergency fund.

There’s also hardly any reward (comparatively speaking). Yields are crazy high right now on savings accounts, but they’re going to continue to drop, vs investing in the stock market (over the long term) is much more likely to maintain a much higher rate of return. Even at 5%, you’re really only getting about 2% growth since inflation is stuck at 3% right now. That compares to a long term average in the stock market of 7-9% after inflation.

Not to say that OP should do that, necessarily. Especially if they haven’t built their emergency fund which is far more important than investing, until you have a safe amount.

It means seeing my grandma the one (maybe two) times a year that I see her. I probably don’t have too many more of them so I want to make them count. It’s also one of the few (getting fewer) times a year I see my parents who are also aging. I think it’s good for me to remember what’s important.

There may be something in your life that is important to you that you can try to hold on to at Christmas, like your health or your pets.

Holy shit what the fuck

To expand upon “walled gardens”, the customers are not just you and I, it includes the majority of the Internet since they’re all running on the cloud, a.k.a., AWS, MS Azure, and Google Cloud.

We all of us owe an enormous debt of gratitude to the sign painter; however, as he did not grant us co-authorship on his sign, we feel it would be presumptuous to give him co-authorship on our paper.

Big L for the sign painter

Scenario 5: put it all in one big long docker-compose.yml and cross your fingers that docker isolation does its job.

E: definitely not what I do, no siree

The guy with the nose hanging out of the mask is just chef’s kiss

Which is only possible because of this magic technology to let you see and talk in near real time to anyone, anywhere. Used to be that if your sibling / parent / other family member wasn’t in town, you couldn’t see them in real time at any time, usually just a single / couple times a year at holidays.

Sure calling was a thing, but it’s just different when you can see someone.

Airlines do in fact use excess cargo space to ship things for shipping companies / postal services. I’ve also heard before (I can’t verify though), that airlines are more than happy to leave your luggage behind if it means they can squeeze on one more piece of cargo since the cargo makes them much more money than they otherwise would have to pay you for delaying your luggage.

https://science.howstuffworks.com/transport/flight/modern/air-freight1.htm

Never. Go. To. A. Secondary. Location.

We have the best technology in the world, because of sue.

Illinois at least passed a law to limit the consent given when using a digital ID with a police officer such that they’re ONLY allowed to use it for ID and not snooping, but that’s the only state to do so.

https://www.eff.org/deeplinks/2024/10/should-i-use-my-states-digital-drivers-license

Dammit who forgot to stick the bubble gum back in the contraption this time? Don’t you know that’s what helps stick the duct tape?

Especially since this seems to be a big one what with the upgrade to python 3.13