Is red lobster run by sovcits? Was the article written by sovcits? Where are the sovcits, Mr Bones?!

I have been to some nice places for seafood, but in my city there’s only red lobster if you need a crab fix. It does the job, but it’s getting pricey for what you get.

That definitely looks like a guy who would have ploopy open source headphones.

It’s just another source of information. Treating that source as absolute truth without understanding it yourself is ignorant.

And thinking your cursory understanding of a subject from a few sources you picked is just as good as someone who DID study it is equal parts naive, arrogant, and stupid.

Lol shut up I have two kids, a PhD and almost 20 years experience running a university research lab BEFORE my current job.

You don’t have to understand that low dose fluoride is good for your teeth for it to be true. You don’t have to understand that vaccines improve community health, or that getting enough movement throughout the day is good for heart health, or that eclipses don’t cause electromagnetic anomalies for those things to be true either.

Planning to trust yourself more then experts in a field is naive to the point of being delusional. Especially if you’re thinking you can go read a paper or two and “understand” it enough to be an intellectual peer of someone who actually invested years of time. No matter who you are, even if you’re Einstein reincarnated, you’re not that smart.

You don’t have to listen blindly to every person, but listening to the consensus of people who know more than you isn’t religion, it’s a heuristic for making better decisions.

No that is not how expertise works. You cannot be an expert at everything: there’s not enough time for one and not everyone is even capable for two. In fact, most people are decidedly NOT capable of being experts about MOST things. If someone spends their life working in an area (not watching YouTube videos about it), their perspective in that area is BETTER and is more worthy of consideration. A consensus among experts prevents any one individual from taking advantage of a situation and is even more worthy of consideration.

Have you ever been wrong? If so, there’s no reason to consider to your comment because your input is irrelevant.

It is possible to be a good source of information that has come to the wrong conclusion using the best information provided. As long as you update your conclusions as more information becomes available, no harm no foul.

Rockstar sea shanty

Better than the original. It totally slaps.

Doesn’t this defeat the point of taking your shoes off inside? If your concern is tracking in dirt or germs on your shoes, tracking them on your feet is arguably worse unless you’ve got foot wash stations at the doors.

My feet are kept warm by keeping my house at a temperature where I am comfortable.

I think I’d still just go barefoot personally. Socks aren’t bad, but shoes for carpet kinda misses the point of carpet IMO.

I don’t think OP is looking to rehabilitate the torture king…

And you can make exactly the same argument for windows or mac depending on career or hobby or performance/support.

You can just pay it all off unless you plan on making some I interest money from the second 100.

Every month on the same day I drive all the card balances to zero. 800+ credit score

Yeah no. Pay the entire statement balance every month, that’s the whole point. If you want to do debt stuff I guess you can get a mortgage or a car loan or a school loan, but these are not requirements for good credit. You use the card, you pay the card, you now have 100% on time payments and probably low credit utilization. Get a card early so average account age high if you can, and don’t get lots of hard credit checks in a row.

You can literally get free credit checks through most banks or directly from places like Experian and see what it is that affects your particular score.

Don’t pay 18 or 25% interest on anything, that’s nutty.

But you should do that one. Just don’t expect it to be windows with a different coat of paint and you will be fine.

Other older years aren’t garbage, you just realize the older you get the more the difficulty is turned up. More responsibilities, slower metabolism, less grace for making mistakes or general stupid behavior, and of course sleep injuries. The best thing about getting old is having kids, being exhausted, and sleeping in a weird way one night that causes pain for 7 to 10 days.

I miss when I could eat a box of donuts every day, bench press a cow, and try to flirt with like 10 different girls in the same day. I wouldn’t trade those days for days with my kids and my wife now, but they were objectively great.

Yeah I kinda figured that was the case but I didn’t want to sound like some rich prick that people here in the comments would like to eat lol. As I understand it, you’re just better off taking the interest off your bank accounts vs trying to swing a single rental. Flipping can work but it requires an amount of skill that not everybody has, especially if you have to hire contractors to do the work for you. But yeah if I were to do it, I would probably run straight to a management company.

It seems to me that the average “slightly above average Joe” could afford a second property; my parents are not wealthy (they are semi retired and generally gross less than 20k/year, but own all their stuff outright) but found a house to rent to my brother and I while we were in college and it was a huge boon for everyone involved. My family income is significantly higher, but we don’t have a pool full of money to swim in. From the outside it looks like real estate is an attractive, stable way to grow an investment as opposed to stock market dabbles.

As an aside, and this is all an incredibly “first world” kind of a situation, but I’m not sure how you address the bitterness of some circles (like maybe this thread?) toward the layer of people who got ROI on hard work: I’d also be a proponent of limiting legacy wealth and eating billionaires. I was in college for 15 years at a state school and worked 10 at a university before I made big boy money and got stuff on my own. Not everybody who has some extra money got it by lucky birth or by exploiting the masses and I’ve still got loans to pay, why not own some houses for people like past-me to rent and make a little extra for the effort? I guess it’s easier to see it this way from this side of the problem.

I appreciate a sane viewpoint.

Buy a second house, fix it up, then sell it OR rent it to help cover the debt and maybe generate enough income to retire early. It’s one of not very many ways regular(ish) people can reliably climb the financial ladder or not work until 75.

Nobody needs 40 properties, but I don’t see anything wrong with one or two. I’m not a landlord myself, but I’ve rented and owned and can see the appeal of a second property.