There’s no (good) excuse to be lonely. I live by myself. I am a bachelor. I would say a confirmed bachelor, but I know the connotation associated with that term and it’s nothing like that. Sometimes people will ask “don’t you get lonely?”, well, actually no. I’m not housebound, nor am I Agoraphobic. I get out and do…

My club, Misanthropes United, would beg to differ with the conclusions in this article. You can hear all about our perspectives at our next meeting, which will be taking place never.

We now go live to Claire in the kitchen who is struggling to identify a utensil, which may or may not be a jam server!

Claire? How would you describe something like that and can you offer any explanation as to how it got into your home?

Uh... how about the same issue I’ve had with every update... No way to clear my cached app data that takes up 50% of my storage. The only option is to delete the app then reinstall. That is dumb.

For me, it’s the fact that the menu you can pull up from the bottom (the control center?) keeps popping up when I hit the space bar while typing something. It is driving me nuts. [1 minute later] Okay, I found out how to turn it off while using apps:

Absolutely lock screen! Also the redesigned music player is shit for anybody who actually owns music rather than just streaming it. I feel like the wifi and the battery have gotten noticeably worse on my 6 too, but that might just be my frustration with everything else projecting...

The stupid brightness slider in Control Center. Every time I try to change the brightness it tries to slide over to the music section. Drives me nuts!

It’s taken me about 6 years of living alone to figure this out, but I think I finally have. No, there is absolutely no way I’ll use an entire bunch of celery before it goes bad. Yes, I will pay more for a small container of pre-chopped celery, because I know it won’t sit in my fridge for weeks turning into a soggy,…

Keep apples in a plastic bag in the bottom drawer, they’ll stay crisp for weeks.

Did you know that Angel Soft (and Quilted Northern) are owned by subsidiaries of the Koch Brothers? Just wanted you to know so you can make an informed decision. And even though its produced by P&G, Charmin or GTFO.

Did you know that Angel Soft (and Quilted Northern) are owned by subsidiaries of the Koch Brothers? Just wanted you…

Not exactly, an average of $15,000 just means that the total American debt is $4,800,000,000,000 (= $15,000 x 320 million Americans). In practice however, some people will have >$1 million in debt, while numerous others will have no debt. You can (sort-of) imagine ‘your’ $15,000 being spread out across the population,…

Someone is carrying your $15k and their own $15k, so $30k. Or a number of people are carrying $20k and in combination have your $15k. It’s a very simple way of looking at it, but yes.

When I got divorced, my ex canceled most of the credit cards that I was on, so the average length of time of my credit fell by a lot as I had to get new ones. So even if one is happily married for now, keep some credit cards in your own name and not jointly or only in your spouse’s name.

It’s probably easiest/cleanest to not incorporate it into your net worth, but instead incorporate it into your goals.

If your pension is a fixed benefit type, you might just multiply the yearly benefit by 25 (implying the standard 4% draw-down rule of thumb). If it’s a benefit that includes inflation increases, then you might multiply it by 40 or 50. These are rough guesses, but they’ll get you in the ballpark.

How to budget money, So many 20 somethings I meet have zero clue how to budget and handle money well.

Learn how to turn off the water going to your sink or toilet in case there is a leak. That way it doesn’t run for two hours while you wait for maintenance to show up, flooding your downstairs neighbor’s apartment.

Quite honestly I wish a few more people here would wear headphones - it might increase productivity while cutting down on them sharing shit music/podcasts!

It doesn’t account for non-SS retirement income, though; as a civil servant under CSRS, if I stay until I max out my retirement, I’ll be getting 80% of the average of my 3 highest-earning years. Makes for a much smaller window that I need to make up from savings.