Idk, a tablespoon is the largest spoon-based unit

AI subscription?

Ideally, you set aside 3 to 6 months worth of your typical monthly spending to cover (some) emergencies and job loss, then invest everything else. 401(k) is still tax advantaged in the same way as an IRA, and you can typically do roth contributions to a 401(k) too. So there are benefits to going above your employer match.

But, you’re right that you don’t want to trap all of your money into a retirement account either. You’ll probably want to make large purchases like a car or house. In that case, you plan out a timeline and invest in less risky things depending on how far out you plan to purchase said thing.

The overall idea of “invest in index funds as much as possible” can be applied generally, but the amount that you contribute and in which types of accounts heavily depends on the individual.

I just wanted to point out that 401(k)s without employer matching are basically just IRAs with high yearly caps because it took me a few years to realize that, and I fancied myself financially literate. It can be a good idea to contribute more, so long as you don’t need the money elsewhere.

As best as you can, max out Roth IRA with an S&P 500 fund like VOO or a targeted date index fund. Also contribute to a 401(k) as much as possible.

The post is saying it’s difficult to discover lemmy without someone telling you about it. It’s not really about searching lemmy.

Lol, I’m not from Germany but I seriously doubt they’d fail you in a driving test because you put the car in neutral before you start it. That’s just ridiculous.

The headline focuses on the wrong thing. Making a bunch of crappy songs and uploading the to Spotify and other streaming services is perfectly legal, AI or not.

The illegal part is that he created lots and lots of fake accounts that constantly streamed his songs and masked them to look like authentic listens. So much so that he was making $110k per month. That is straight-up fraud, which is what he was arrested for.

It has nothing to do with AI, but that makes more people click on the article.

I’ve used Keepass + Syncthing for many years and this has worked flawlessly every time.

In that scenario, how do you get established borders in the first place?

To add to this, also research ETF and mutual fund fees! Sooooo many are more than willing to charge a “small” 1% fee that will cost you thousands of dollars or more. Others are bold and charge even more. Look for fees in the 0.01% - 0.03% range for your trusty index and targeted retirement funds. Some even have 0%, though those harder to come by.

Freeze your credit at all 3 major credit reporting agencies! Do it now, if you haven’t already. And don’t let them trick you into paying money to do it. It is 100% free everywhere.

It takes a few minutes and could save you lots and lots of time and money, since it makes opening new lines of credit in your name near impossible even if they know your SSN.

Groceries cost the same with or without a credit card. The store is paying the card every transaction, not the user. Annual fee cards need more scrutiny and are often not worth it unless you’re playing the travel points game (and what a game it is). No card in existence is worth it unless you pay it off in full every month.

They even have non-cashback/points perks that are worthwhile, like rental car/travel/phone insurance. My family has saved hundreds with free phone insurance from a card. My screen stopped working, and I got a new one for $30 from an authorized repair joint, which otherwise would have cost like $300.

So, yes, cards do give you free money so long as you don’t hold a balance.

That sounds amazing! Any suggestions on how to find local events like this? How was this marketed?

Might even consider getting a cheap Android phone and using it as an in-car navigation/music system. Then get a plan like https://tello.com that lets you pay $5/mo for just 1G of data. Idk how much it costs now adays, but I remember needing to pay for map updates on those dedicated GPS systems, so the cost may be comparable to keep a fully updated map, plus you get traffic and music with a phone.

This is an intriguing idea, but how do you navigate to new places? Surely not MapQuest?

Shapez 2 released (in early access) and it is 🔥🔥🔥

And for a free trial, no less! If this isn’t laughed out of the courtroom and dismissed with prejudice, we’re all screwed.

There are services that’ll sell you a brand-new modded oled switch for less than £500. It’s not exactly rare, any switch can be modded and a modchip is better than the OG joycon exploit since modchips are untethered.

Wow! I adopted an adult cat and she stayed in hiding for two or three weeks. Now she can’t get enough of us, but she’ll teleport behind furniture at the first sign of a guest coming over.

I like Feeder as a free Android option