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Joined 2 年前
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Cake day: 2023年7月3日

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  • I’m 48. I’m going to expend many of you here are white men much younger than me.

    Some words if advice.

    1. Have kids young. You will never be ready. There is an old expression, “In for a penny. In for a pound.”. Either you like the idea of kids or not. If you do, don’t wait just do it.

    2. Romance. African women are 🥰. If they’re part of the Diaspora and like me you tend to be more if an introvert the juxtaposition can work amazing.

    3. Don’t forget the forest for the trees. Yes the world is on fire. Yes things are increasingly bleak and hopeless. Enjoy life. You have family and friends and they are still important and mean something. Cherish that.

    4. Everyone makes mistakes. What’s important is do you learn from them and how do you recover?

    5. Comparison is the thief of joy.

    6. Be different. Be contrary. Challenge. If everyone jumps turn around and look at the person telling you to jump but don’t do it blindly.




  • So the colea notes is in the old world DB was how it was setup. You paid company a set amt of money and they set you up with x dollars a month for the rest of your life.

    Fine when boomers are a massive cohort propping it up via sheer volume alone with people dying younger.

    We started living longer and surprise future cohorts are not massive like the boomers. That means the model of DB is not economically feasible. Around the world from left and right countries you are seeing this. Public pensions are being rewritten and people are rightly angry but you cannot sustain the model.

    This is why the collective move to DC specifically when it comes to newer employees. What you get is tied to what you put in.


  • Granted my parents are poor and have no pension but no, I don’t want their pension i didn’t earn it.

    If you meant having similar structure pensions as in defined benefit vs. defined contribution you’re damn right but they’re not fucking sustainable and that’s why we are in such a mess. To make our parents or grandparents pensions sustainable requires a hell of a lot more investment in them and/or shareholder greed to fuck off and companies re-prioritize their wealth accordingly.

    Both of those solutions are a big LOL.