“race and ethnicity, education, experience, and location”

I think about climate change almost daily, too, except with the ray of hope that the depressing hockey stick graph for CO2 concentration also happens to approximately coincide with the exponential hockey stick graph of technological progress leading towards Singularity mid-century.

No it is true even if your investment grew.

In a Roth, you start with less, but the growth is tax free. In a traditional, you start with more, but pay tax on the entire amount withdrawn.

Exactly. I’ve used a payday loan a handful of times, when I was out of money and had no credit cards. The terms are spelled out in appalling detail, and there were large signs all over the walls spelling out the exact amount to be repaid and what interest rate it translated to (probably, to be fair, because South…