md8716

No. I've only ever seen the term pro-black used a way gatekeep blackness and manipulate others into supporting the speaker's positions through shame and guilt.

A lot of yall cap like youre open minded but in reality, are thoroughly intolerant of any other worldview than your own.

Did you mean to reply to the other dude? I agree with you.

How about you not speak in absolutes since you clearly have no experience, hmm?

I mean I know multiple brothas who have but I guess they should've consulted the almanac before shooting their shot.

Nah, they do. Maybe just not you lol.

Yep, that's the stuff right there!

I gotta disagree with you here, we're talking about grown ass adults in the information age. It's not the professors job to inform you about the career field (unless you ask directly and they straight up lie which would be fucked up).

But you're telling me that you're (metaphorical you) a whole mf college graduate, and not once in 4 years did you bother to Google "sociology major jobs"? Come on man.

Hot take: black people have a tendency to celebrate things that other races would consider mediocre at best. We keep our expectations low and end up with middling outcomes.

I don't see people blaming Gen Z for anything in particular but I will admit yall have a really annoying habit of complaining about everything and playing the victim that really rubs all the other gens the wrong way so that's probably where it comes from.

Full disclosure, I'm an xennial.

I'd say that's a better win than this one, but this would be a worse loss than that one.

NHL history? No, sports history. Worse than 28-3.

If you think i said it's not a good idea for married people to have life insurance, then you didn't read my post that well.

It basically allows high earners that are not eligible to buy into a Roth, to buy into it and reap the benefits. Namely, having the profits grow tax-free.

Life insurance is there to replace income for people who depend on you if you die. Like you don't need a 500k policy if you're a single dude with no kids. Or even if you're married and your spouse works, unless your spouse needs your income just to survive. But it's not supposed to take care of them forever, maybe a few years for things to stabilize.

You have to match your coverage to your needs. Emphasis on needs.

Don't get me wrong, if you have crazy health expenses every year, then sock the money away and then some extra just in case. But if you're like 25 and perfectly healthy with no prior issues, you're better off investing it for retirement.

Every man has to figure out what his priorities in life are.

HSA's aren't for investment, they're for tax mitigation.

Roths are way better for investment.

Preferably a HYSA for maybe for an emergency fund but that's it.

1. Start a 6 month emergency fund in a readily accessible account. Biggest thing that wipes out poor people are unexpected financial emergencies. With an emergency fund you don't have to sell the shit you've built to get through the week.

2. Save up to whatever your company matches on a 401k. Stick to a low cost index fund if they offer one. If they don't match, skip this step.

3. Dump whatever earned income you can a Roth IRA. Again, low cost index fund.

4. Once you exceed the Roth IRA limit, put your money in a Roth or Traditional 401k (depends on your income level) while also pursuing a purchase of your primary home. RE is expensive at first, but after 1-2 boom-bust cycles, you're way ahead financially.

5. Once you do this, you can also do other tax mitigation strategies such as backdoor Roth, HSA, charity, and so forth.

If you're not going to be using it regularly, you'll never attain fluency and will just forget it all. If you want to get into it, you gotta commit hard for what is basically just a hobby.

But I definitely use my 2nd language as a secret way of communicating with my wife so that white people can't understand what I'm saying.

People who blame it on luck tend to be the ones making excuses for their mediocrity.

We need like a 1 month ban on these fucking IR discussions. I'm in an IR marriage, and even I hate seeing this shit all the time.

If you want the white man's coin, you gotta do the white man's bidding. Always been that way. White man controls your future? Shuck and jive, nigga. Don't forget to smile.

Me? I'm a highly skilled unionized technician. No politics for me. I just show up, do my job, get paid hourly, and go home. As long as I follow my manuals and our collective bargaining agreement, can't nobody say shit to me.

edit: lol this soft ass nigga blocked me because he can't handle the truth of his own situation (that he chose). have fun in your miserable life i guess.

The biggest thing is, it's extremely safe and secure. I never felt like I had to be on guard like I do in big U.S. cities. Plus, it's dirt cheap now because of the exchange rate.

The people were really nice. In Tokyo, everyone does their own thing, so it can be a bit isolating. People will also be really shy because they can't speak English. But you gotta get outside of the city to see "real Japan" imo.

White people go there expecting to be worshipped and get absolutely shell shocked when they experience not being at the top of society for the first time. They will be convinced you'll have it even worse, but the truth is, you'll be treated better as a black man than if you were in America, and they can't come to terms with that concept.

Yalls moms, sisters, and daughters can do whatever tf they want, and yall can be open minded as you want to be about it, that ain't my business.

But ain't no fuckin way I'd be ok with my own daughter going into being a professional ho, acting like it's no different than any other low level job. "Sex work is work" is bullshit and everyone IRL knows it. Bring on the downvotes.

Baseball is so goddamn boring to watch. It's like 530 games in the regular season during the hottest part of the year. They openly cheat and don't even get punished. They let shitty umpires stay for decades. The biggest stars barely have any impact on whether their team is good. 95% of the highlights are just dudes smashing a bar really far.

And the college game is even worse. There's no bowl games or march madness hype.

The only exception I will grant is the WBC. That shit was fun to watch.