My hobbies cost me money, never generating money to make up for the investment. The return is the sense of satisfaction I get using it and any social ties it generates.

I don't use these services, nor do I use Twitter that much, either. For me, i've found them to be excessive. If not for data on your phone plan, then for whatever wifi or wired internet you're using to view the content. I haven't seen any net benefit to using them over the more standardized social media channels that…

Going from top to bottom, left to right where appropriate (for most):

Most of my suggestions are already posted, but another one I keep coming back to in my mind is Roger Zelazny's "Lord of Light":

"If you've ever felt the burn of eating an entire bag of chips in one sitting than you know most of us aren't wired for portion control."

Cool. In effect, pay off one's outstanding debt as effectively (not necessarily quickly) as possible. Then start pouring more into retirement.