One underrated benefit of Roth IRAs: the contribution limits are effectively higher, since after-tax dollars are more valuable than pre-tax dollars. So even if you’re in a slightly lower tax bracket in the future, you have more of your savings growing tax-free over the next few decades, so you can still come out ahead.

I guess my takeaway from this story is that if you didn’t live through the Purple Rain-Sign O The Times era it is possible to not “get” Prince.

I’m a Dave Ramsey fan. I know that he has his fans and detractors, but the point that Dave always makes about Roths is that if you set money aside for 20+ years, the biggest part of that is going to end up being the growth. With a traditional pre-tax IRA/401k, you’re going to end up paying taxes on the whole pile. But…

Yeah, but how do people even start smoking anymore? It’s been pretty well established for decades that smoking is addictive, bad for you, and all around nasty. The whole “it’s not cool it’s stupid” thing started when I was a kid in the 80's and it was pretty effective with me and my peers.

This is why you’re my favorite Lifehacker writer. This is my exact goal for 2018 once my student loans are paid off and I can roll that money right into fully funding a Roth IRA. I think the part about penalty-free withdraws is a huge benefit that not too many people highlight. While I think it’s prudent to have some…

I am always stunned when I see anyone that I consider to be reasonably intelligent light up a cigarette. I guess that is the power of addiction but man...

I don’t really think any debt is good. In your example you are out-earning the debt with an investment. What happens if the market tanks, you lose your job, pulling your investment is now worth half it’s original value, and you’re upside down on the car loan. You will soon find yourself jobless, carless, and in debt…

The funding allows you to do good things, the debt doesn’t. If someone gave you a choice between free money and a loan, you aren’t taking the loan, because the debt doesn’t do anything for you.

I think the problem is the phrase “good debt” is a complete misnomer. Being in debt is never a positive thing. There is highly destructive debt, and much less destructive debt. Outside of getting a zero interest loan with no strings attached, there isn’t any form of “good” debt.

Socialist financial policy + identity(race) politics + anti-free speech(suppression of opposition) = Fascism = Antifa

Of course her overall point is correct.

For when you don’t get to see things labeled racist enough during your day-to-day at gawker.

I get what they are saying about the “like us” vs “not like us” thing. Accents are used to differentiate groups constantly, but I disagree with the idea that it is more commonly than not, villains.

Your comment makes no sense. What are you saying exactly? The director and the stunt coordinator were in cahoots to sexually assault people? The writer would have put the scene in there and James Cameron directed it. A grown woman dancing seductively for a movie scene shouldn’t be in the same category as a little girl…

This comment is 100% True Facts

I know we’re not supposed to speak positively about capitalism on this site, but yeah, basically. The people who are fortunate enough to have a small business (casa particular, paladar, etc.) or work in a field where they see tips (mostly from American tourists) seem to be doing noticeably better than their neighbors.…

So I’ll go a bit more into hydrogenation:

All fats come in a form called “triglycerides.” These molecules have a glycerol backbone and 3 fatty acid chains. Fatty acid chains are long molecules that are essentially big carbon chains. Now, if every carbon on this chain has the maximum possible number of hydrogen atoms…

Sounds like you have a bone of contention against the ‘rich’, unless they are of the Liberal persuasion?

It’s not the Responsibility of the Government to provide a Retirement fund for the Citizens.

Here’s an idea: