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Joined 3 years ago
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Cake day: June 16th, 2023

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  • Investing is great for retirement funds, over the 30 years or so it’s great for returns. It’s terrible to invest principle you need in scope of months or 1-2 years even.

    If you have 20k and a 20k loan, putting that money in the stock market is stupid if you need that money to pay the loan. If you have 20k, a 20k loan, and income to cover loan payments in addition to living, it may be beneficial to invest that 20k, but it’s still relatively high risk.





  • The average cost of a car is wildly skewed by luxury models and the absurd prices of new cars. The market has gotten more expensive, so it is more difficult to find reliable cars in the sub 5k range, but under 10k is possible. It’s possible to save a few hundred bucks a month and get progressively better cars without financing them, because depreciation isn’t significant at the low end of the market.





  • Land use would be lower if we reduced livestock, but likely not massively. Lots of grazing land isn’t suitable for farming, letting it go wild would also require a massive effort to reintroduce natural grazing animals, which would likely need active management. There’s also the fact most of our crops would need to change to optimize for human consumption, and humans aren’t as efficient at consuming those calories as livestock. Even after transitioning crops there’s going to be a significant amount that isn’t processable by humans that would sustain some amount of livestock.