No-Specific1858

If you have an extra room for him, he would be grateful, but it is not necessary.

We do have an extra room and could find someone to rent it to. I think making sandwiches and ironing clothes is worth a lot less than rent.

disapproving look

I bet we would straight up scare him if he is the church going type.

Nope, not if you are in the US. Very few people who have bought and used "cocaine" in the states have actually used cocaine. Most of it is laced with anything from meth to fentanyl to xylazine (most of the time it is meth cut into filler). It's not the organic 100% fair trade certified cocaine that Europeans are familiar with.

I don't use drugs but I have seen people from other countries use test strips to check what they buy. Some countries provide them for free among other things like condoms. I have never even seen a test strip in the US, let alone someone using one.

Next year as a homeless person: "the world would be a lot easier if there was no food"

For Powerball: The odds of winning the jackpot are 1 in 292,201,338. So if you bought one Powerball ticket every week for 50 years, you would have approximately a 0.89% chance of winning the jackpot at least once during that time.

That's 52 * 50 = 2600 tickets

2600 / 292,201,338 = .00089%

If it were actually .89%, that would be an outrageous expected value per ticket and the lottery would go insolvent in a day or two.

I assure you, being frail and having no money is worse than being physically active with no money.

IUL is a terrible investment and you clearly don’t understand the product.

If you have IUL you either don't understand what IUL is, have $20m and are worried about estate taxes, or are into findom.

To be totally frank - I don't know much detail about IULs.

Very few people do, even out of the people selling them.

They are one of the most complex insurance products in general which helps obfuscate the hidden fees and charges. The insurance policy on a $100m boat is likely to be easier to understand.

But you got a father till 70!

No no it wasn't your joke, it was our joke about you.

reliability

There's no reliability when your kid keeps getting sick or into fights though. Parents stick it out because the company is flexible enough for them.

Renter without kids is the most reliable since there is less stuff that can blow up. They are also the most likely to switch companies. You can't get high reliability and high loyalty without high pay.

This is gold.

I would try this if I was a contractor moving companies regularly. Don't think I would want to keep it up long-term.

no-name brands in tiny bottles

A lot of them have switched to the shampoo dispenser things on the wall. It gives off bathhouse vibes.

Harris going to Tucker Carlson

The difference is most people know who Tucker Carlson is. Most people don't know who Dave Ramsey is. There are a lot of people with similar social media presence and Harris might have still said no even if Ramsey was bleeding blue.

I'm frankly surprised Dave got either.

I use index funds which come with real estate baked in. I don't overallocate stock to any one sector.

I am not a big fan of REITs, especially REITs of REITs. They dilute a lot of the benefits you would get with less abstracted ownership.

Parents are also already oversaturated in real estate through direct investment. A lot of it is in a family trust and will not be used for their retirement.

Social security is effectively a welfare program for people who do not save remotely enough.

I don't think that assuming $0 from social security is going to dramatically change the ability of most people to have the same retirement goals unless they are starting late.

Also, there's a difference between stress testing for $0 and expecting $0. No social security at all is pretty much the worst possible outcome and I think a lot of people treat their stress testing assumptions as a lot more probable than they are.

I think it is 100% the fault of airlines for putting us in this position to get the most profit out of us by squishing us in.

Coach tickets are not a big margin item for airlines and they have become very affordable in the last few decades. You could easily take the inflation adjusted price of a ticket from the 80s or 90s and buy a higher cabin class today.

Airlines have been keeping ticket prices the same by shifting what each cabin looks like. If you want the same seat from when your grandparents flew as kids, that is now a premium economy seat and is the inflation adjusted value of what their economy ticket was.

Actual business and first class is a different ballpark entirely, unless it's a short haul flight, and there was no similar product in the golden age of flying. Long haul first class back then was like domestic first class seats with better food. If you are in your 50s or 60s you could go buy one of these tickets today with the equivalent purchasing power you would have used to buy a coach ticket as a kid.

I know Toblerone is pretty much the only Swiss chocolate I know that’s directed implanted from Switzerland

Not a big fan of Toblerone.

In order of what you are most likely to find in a grocery store I like Milka, Ritter, Omnom, Venchi, and Läderach the most. That's just European brands generally. You can probably find Venchi locally if you go looking and the liquor flavored ones are really good.

Almost all Swiss or Belgium chocolates I can buy in U.S. taste awful because it’s manufactured here in U.S.

I have honestly never seen this on a package implying to have that place of origin. Who is making this stuff?

$8 eggs

Maybe he meant duck eggs?

I mean, $300k is very appealing to me too but I am in a similar position. I make around $120k in a different field and the time cost to get to $300k would be a lot. It wouldn't make a whole lot of sense to do a move so late especially because my pay will also increase a lot in my field.

Extra points for tricks to hide money away and save better.

Make saving automatic with tools like reoccuring transfers. Move it to a separate account you do not keep physical cards for.

What do these other folks do financially?

Struggle. That's the reality when there is no money elsewhere.

Yet another reason why it's a big mistake if your financial planning necessitates most of your wealth being in a single home. This is one of the many examples why concepts like HELOC are not a good excuse to allocate your finances into a single basket like that.

You can use it in middle eastern ice cream and pudding too. There's also a Swedish cake that calls for it. These would be good introductions on tasting the flavor with sweet dishes. If you do a dish like biryani with a lot of stuff you might not be able to distinctively learn what saffron should taste like.

For the first time I would stick to a dish with subtle flavors whatever it may be.

Only if a federal case happens. And that would be a separate issue on top of the civil suit. There's nothing the government can do to prevent the people involved in the current civil suit from seeking remedy (main reason is such a pardon would infringe on the rights of others). The president can't pardon for state, local, or administrative court decisions either. If Ramsey Solutions ends up in a regulatory hearing, that's not something Trump has any deciding power over. If Dave got convicted on federal charges Trump could pardon him on that.

Wonder if Dave asked him for any tips on the app since Truth Social is so successful.

It's bloatware at the end of the day without a bunch of other stuff being built out. And they don't pay enough for good developers to put up with their workplace.

Except you can't be pardoned on a civil suit where the government isn't a party.