Kalkaline

Kalkaline, 25 days ago

Have an emergency fund and pay yourself first.

The emergency fund comes first $1000 or 6 months expenses tends to be the sweet spot. It keeps you from taking on bad debt like credit cards and pay day loans. 5% of your paycheck is a good place to get started, that’s usually enough to build up funds fairly quickly without hurting too much.

Retirement doesn’t have to be a ton of money each pay check, especially if you start early in life, but if you ever want to retire you have to start as soon as possible because the later you start the more money you have to put away. Take the company match on a 401(k) or 5-20% of your paycheck. Invest in a target date fund or S&P 500, Russell 2000 fund, or whole market fund (and look at the expense ratio, you want that to be as low as possible) and call it a day. Individual stocks are for suckers, but if you want to gamble with individual stocks use 1-5% of your portfolio to do it so it’s not the end of the world if you pick a loser.

Finding your target for retirement is a big step to knowing what you need to save early. Play around with some retirement calculators and debt payoff calculators fairly often as your target number may change based on your lifestyle.

Kalkaline, 25 days ago

If you worked for $8/hr and took 5% of your income and put it towards retirement (I know 5% is a lot when you’re broke) from age 18-67 assuming you got a 2% raise every year, you could retire with ~$385,000 in the bank and it would last you until you were 79. That’s using the default numbers from Bankrate. If you could bump your savings rate up to 15% using those same numbers (which is admittedly unrealistic) you would be a millionaire at retirement. The moral of the story is start early and be consistent.

Kalkaline, 25 days ago

The choice ultimately comes down to Trump or Biden, it’s not a great set of choices, but RFK Jr isn’t any better than those two and he’s not going to get enough votes to win anyway. Jill Stein, Marianne Williamson, Cornel West, don’t have the numbers either. There aren’t viable candidates that can challenge the front runners at this point when we talk about the POTUS, so you vote for the least harm and try again next time while focusing on pushing Congress, state and local representatives further left.

You sure as shit don’t have the numbers for a revolution either.

Kalkaline, 25 days ago

His Noodly One created the world yesterday and through His infinite wisdom and power made it look like the universe was billions of years old with millions of years of evolution. I don’t know why you don’t know this stuff, it should be taught in school. This country was built on pasta.

Kalkaline, 26 days ago

Gotta get some hype music for the ass whooping you’re about to bring.

Kalkaline, 26 days ago

It devolves into a monarchy, it’s the exact thing this country was founded to protect against. Some asshole and his buddies, sorry ladies they don’t let you in the GOB club, will rule over everyone with the backing of the army and there won’t be anything any of us can do about it. Vote while you can.

Kalkaline, 26 days ago

You would think there would be training on this led by the police unions to keep cops out of jail.

Kalkaline, 26 days ago

Junior ain’t around to coke him up.

Kalkaline, 26 days ago

Grab that half of an onion next to it.

Kalkaline, 26 days ago

Centrist? People may not be full blown Marxist around here, but they’re pretty close. Just ask about landlords or universal healthcare or unions.

Kalkaline, 26 days ago

You can’t exercise your way out of poor diet. Cholesterol is a killer. Carbs, bacon, butter, are fine in moderation, but these stickers don’t tell a story of moderation.

Kalkaline, 26 days ago

We’re already in Texas where education is frowned upon. Everyone seems to hate college because it’s not preparing you for a trade. Nothing wrong with working in the trades, but we need more than just plumbers and carpenters to run the country.

Kalkaline, 26 days ago

That’s what public parks and other green spaces are for.

Kalkaline, 27 days ago

A rich sellout though

Kalkaline, 27 days ago

I’m sure they’ll be hit with a fine equal to 0.01% of their profit for the year.

Kalkaline, 28 days ago

People are fucking dumb sometimes. That’s all.

Kalkaline, 28 days ago

That’s a big fuck up by prosecutors.

Kalkaline, 28 days ago

Grab a friend in Texas and vote these fools out.

Kalkaline, 28 days ago

Someone’s going to carve their name into all the churches.

Kalkaline, 28 days ago

Don’t recognize his face but the name rings a bell

Kalkaline, 28 days ago

I don’t believe it at all

Kalkaline, 28 days ago

They don’t want legitimacy, they want to rule by brute force

Kalkaline, 29 days ago

Keep pushing it left until it’s Democrats vs Democratic Socialists in the general election.

Kalkaline, 29 days ago

Here’s my contribution, it’s not a super famous artwork.

https://leminal.space/pictrs/image/1cbbb169-cd88-4cd8-b3ae-6d69adf157c5.jpeg

Kalkaline, 1 month ago

Imperialism inherent in the late stage capitalist system.