Behold the man who is a bean.

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Joined 1 year ago
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Cake day: June 21st, 2023

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  • I’ve never felt I’m not living for today. Admittedly, most of what I want to do is consume a variety of media within the comfort of my home. But we also travel abroad every other year or so, and that’s probably the biggest ‘entertainment’ expense in our lives. If we need a car to visit someone or somewhere outside the range of public transit or biking, we just rent one for the weekend (probably happens about once a year). We don’t have to hesitate before choosing to do that because we know we’re living well within our means the rest of the time.

    The thing is, once you’re in the habit of doing this stuff, it doesn’t feel like an imposition. It’s just the way your life works. It was actually a bit of a struggle to remember all of those points when I was writing up that list yesterday, because it’s all just natural to me now. There are probably a few more things we do along these lines that haven’t occurred to me.

    And at that point, the savings are just a natural choice for what to do with all the surplus money. It’s not even ‘living for tomorrow.’ It ceases to be an either/or situation. It’s living for today in such a way that you can continue to live for today throughout your entire life.

    Also, there are a huge number of non-financial benefits on offer here, too: walking and biking at times you’d otherwise be driving is excellent for your health; planning meals allows you to choose healthier options, cut down on red meat consumption, etc; meal planning, buying second-hand goods, and not driving reduces dependency on online mega-retailers, international sweatshop labor, and environmentally harmful practices; making use of the library system indirectly supports its continued existence for folks who have no other options; and on and on.

    Anyway, I wouldn’t recommend trying to do all of this at once if it’s all a change for you. I’d recommend slowly introducing each of these practices over time so you have time to get used to each in isolation.


    • Not having a car (always living/renting in walking or biking distance of my work)
    • Moving in with my partner straight out of college so we could split expenses
    • Moving (with partner) to a low-cost-of-living city for the first 5 years after college
    • Putting most of my medium-term and long-term savings into low-expense-ratio, passively managed index funds starting in my early 20s
    • Buying almost exclusively second-hand clothes, furniture, and cookery
    • Borrowing all desired books (and many desired movies and TV shows) from the library
    • Only buying games when they are bundled or otherwise on steep discount years after release
    • Pirating any other media in which I’m interested if its distributors make it even remotely difficult for me to buy it at a reasonable price
    • Planning all dinners in advance every week before grocery shopping (leads to almost never eating at restaurants or ordering takeout, and almost no food waste because grocery list is based on actual meals)

    Now, if I had to choose the best financial move out of that list? Probably the index funds. Though not having to pay for a car (or car insurance, or car registration, or car repair and maintenance, or parking, or fuel) is a close second.









  • I’ll be the one to say that: if miraculously they reversed course and undid all of the projected changes by the end of the month, yeah I’d keep using Reddit. I didn’t really leave on principle. I left because I heard my preferred format for accessing the site was going away, and I started looking into alternatives.

    As long as I had RIF on mobile and Old Reddit with RES on desktop, I would have stayed there because the population is there.

    But with all that being said, Old Reddit was slowly getting buggier and more and more users were cluttering discussions with asides about features that were completely absent on Old Reddit, so I was ready for a change. And with that being the case, in the extremely likely event that the third-party apps actually die at the end of the month, I’ll see that as a welcome sign to continue giving this place a chance instead.