#Financial independence

[majaurukalo]

Disability benefits shouldn’t be tied to the income of a disabled person’s partner/spouse/parent.

Do you hear me?

DISABILITY BENEFITS SHOULDN’T BE TIED TO THE INCOME OF A DISABLED PERSON’S PARTNER/SPOUSE/PARENT.

This is the straight forward way to deprive a disabled person of their financial freedom and independence and trap them into possible abusive relationships.

[bitchesgetriches]

Leaving Home before 18: A Practical Guide for Cast-Offs, Runaways, and Everybody in Between

Teens are often labeled as highly emotional, irrational, volatile, impulsive, short-sighted monsters. This is pretty fucking unfair. Everyone is different. Many people are wise and mature beyond their years—or foolish and immature despite them.

However: science suggests that teenage brains are still changing and developing. In fact, we now know that the brain doesn’t fully mature until age twenty-five.

Ask people in their thirties and forties about their teenage years, and almost everyone goes pale at the memory of how wild it felt. For me, everything felt incredibly intense. Every day brimmed with opportunity for catastrophic highs and lows. Aging sorts a lot of things out—like a warped funhouse mirror slowly straightening out into something trustworthy.

You’re not crazy. And you’re not wrong. But you are neurologically different than your parents—and different than you will be when you’re their age.

Keep reading.

Did we just help you out? Join our Patreon!

[daughterofanarcissistwoman]

[financialfreedomforever]

[alwaysbewoke]

this is why prenups are important because you have to leave her. she's not an adult. she's a child in an adult body who wants this guy to just be a walking, talking atm machine with a dick. she's clearly contributing nothing but wants him to work himself to death so that she can have a social media worthy life. this is why men need to continue asking "what does she bring to the table?" or they will find themselves in this situation.

[tumbler-polls]

[ramblingsfromthytruly]

i don't care if my misery's written in the stars, i will fight my way out and rearrange the lines of my palm to achieve the peace and independence i so crave and deserve

[nickysfacts]

I just love how shea butter, from creation to its use is about supporting women!

🤎🚺🤎

[solianapaeris]

Take heed, ladies.

In recent times some women have begun to recognize that marriage is a scam. From its earliest inception as a legal institution it was enforced to prevent women from being unaccompanied by men and to ensure that no woman would have property or assets of her own that would not be inheritable or accessible by men. This is why the early witch hunts targeted women who owned their own property and were not married to a man, because upon marriage that property and all other assets that woman held would be under the jurisdiction of a man as well as control over her labor and the “right” to have sex with her. Ownership of “property”

Remember that marital rape — non consensual sex with a wife — was legal and is still legal in many places throughout the US and many don't consider it rape because they think that women agree to be controlled or dominated, considered as property when they marry a man. Marriage was designed and functioned as a transfer of power from women to men to uphold a patriarchal order where men are the only sovereign citizens and women exist as their servants and satellites.

Now that women can work outside of the household and do it all some women have taken the stance that there is no way for a woman to benefit by marriage. As women recognize this men are crying to enforce policies that would trap women with them and limit women's rights, forcing women back into the household as encaged domestic workers to men with no financial independence—because that financial independence is what it took for women to realize marriage was not worth it to them whether it be for love or for money. They valued (and still value) their freedom and autonomy and safety more. Men benefit by marriage by design.

These men feel entitled, not seeing women as human beings but as objects for them to use. Everything should benefit them, they do not believe in equality but in superiority. It makes room for absent or ghost patriarchy where Men refuse to raise their children or provide for women, yet want the benefits of patriarchy without actually functioning as patriarchs. These are failed men. This refusal to raise, protect, provide and plan for their bloodlines, their own image, their own spouse is called failure. It is a complete abandonment of manhood.

These failed men are (and should be) treated as if they don't exist because, quite literally they don't. They leave their bloodlines vacant; they erased themselves. They are ghosts.

But why do so many women worship these ghosts? Because they've been programmed and conditioned to believe these ghosts will materialize into men. They haven't.

But a spell is a spell.

Take heed ladies.

[nayoungs-archive]

𝐢𝐢. 𝗇𝖺𝗒𝗈𝗎𝗇𝗀'𝗌 𝗋𝖾𝖺𝖽𝗂𝗇𝗀 𝗀𝗎𝗂𝖽𝖾

books to start the new year right!

Atomic Habits- James Clear

Ikigai- Francesc Miralles and Hector Garcia

The Compound Effect- Darren Hardy

The Magic of Thinking Big- David J. Schwartz

Big Magic- Elizabeth Gilbert

The Dip- Seth Godin

Eat That Frog!- Brian Tracy

Surrounded by Idiots- Thomas Erikson

Rich Dad Poor Dad- Robert Kyosaki

The Secret Life of Money- Daniel Davies and Tess Read

goodbye, 2023!

[explorewithriza]

Time gone never returns.

[familythings]

100 Ways to Make Extra Money for Your Family

Hi guys, I’m back today with tips for your Personal Finance journey. Life is becoming more expensive everywhere, with pricing going up like the fastest rabbit of the forest and the salaries moving so slow, like the lazy turtle. But, life is too short to wait for the salary to grow enough to cover for extra costs, or having the money for so-needed holidays in your To Travel List Countries, and for…

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Retirement and How to Retire

How to start saving for retirement

Dafuq Is a Retirement Plan and Why Do You Need One?

Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over.

Season 4, Episode 5: “401(k)s Aren’t Offered in My Industry. How Do I Save for Retirement if My Employer Won’t Help?”

How To Save for Retirement When You Make Less Than $30,000 a Year

Workplace Benefits and Other Cool Side Effects of Employment 

Your School or Workplace Benefits Might Include Cool Free Stuff

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

The Financial Order of Operations: 10 Great Money Choices for Every Stage of Life

Advanced retirement moves

How to Painlessly Run the Gauntlet of a 401k Rollover

The Resignation Checklist: 25 Sneaky Ways To Bleed Your Employer Dry Before Quitting

Ask the Bitches: “Can I Quit With Unvested Funds? Or Am I Walking Away From Too Much Money?”

You Need to Talk to Your Parents About Their Retirement Plan

Season 4, Episode 8: “I’m Queer, and Want To Find an Affordable Place To Retire. How Do I Balance Safety With Cost of Living?” 

How Dafuq Do Couples Share Their Money? 

Ask the Bitches: “Do Women Need Different Financial Advice Than Men?”

From HYSAs to CDs, Here’s How to Level Up Your Financial Savings

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?” 

Investing for the long term

When Money in the Bank Is a Bad Thing: Understanding Inflation and Depreciation

Investing Deathmatch: Investing in the Stock Market vs. Just… Not 

Investing Deathmatch: Traditional IRA vs. Roth IRA

Investing Deathmatch: Stocks vs. Bonds 

Wait… Did I Just Lose All My Money Investing in the Stock Market? 

Financial Independence, Retire Early (FIRE)

The FIRE Movement, Explained 

Your Girl Is Officially Retiring at 35 Years Old

The Real Story of How I Paid off My Mortgage Early in 4 Years 

My First 6 Months of Early Retirement Sucked Shit: What They Don’t Tell You about FIRE

Bitchtastic Book Review: Tanja Hester on Early Retirement, Privilege, and Her Book, Work Optional

Earning Her First $100K: An Interview with Tori Dunlap 

If you found this helpful, consider joining our Patreon.

[freonblue]

wrestling with the moral OCD lately

ok so, we generally agree that working for a defense contractor or being a cop is bad

but what about working at a bank, with all their bullshit fees and sometimes predatory loans? What about working for a payment processor that casually grinds sex workers underfoot as "too risky" and "too much hassle"?

Working entry level in the call center might be one thing, but what about getting promoted and working hard and moving up, until you're a loan underwriter? someone who's making the impactful decisions and enforcing the policies and putting the good of the company over the wellbeing of the customer base and the public?

How evil is it to be working for a company whose major customers are in the oil industry, with all we know about how environmentally catastrophic oil drilling is, not to mention the absolutely horrible ways Native water protectors are treated?

Obviously none of these things are on "killing babies with drones" level.

But.

There are so many things to care about. How do you decide what matters?

A lot of people say landlords are evil. Do they mean just corporations buying up homes as investment vehicles? What about a person who rents out a spare room? What about a small-scale landlord who owns a couple houses, is quick and responsive on repairs, doesn't nickel and dime their tenants, and is pleasant to work with?

We agree that it's impossible to become a billionaires without exploiting other humans.

But the whole goddamn stock market is built on the prioritization of profit over all. Even if I just contribute to my 401k, that's being invested in stock market funds. I'm indirectly profiting off companies using prison slave labor, or companies bottling and selling fresh water that should be a public resource.

We point out that the way white people talk and think about poorer neighborhoods is pretty racist. But is it racist for me to think maybe I'd like to live somewhere that doesn't smell so strongly of urine? that maybe I'm willing to spend more to live somewhere with fewer gunshots and less screaming?

Where do you draw the line? How do you construct a coherent system of personal ethics without going mad?

I mean, I grew up in a cult where morality was rigidly black and white. I grew up on "give all you have to the poor and follow Jesus" and "tithe a minimum of 10% of your gross income to god/the church/the poor/holy causes" and st francis of assisi and "cast your bread upon the water."

for a long time I believed that if I had enough to survive on it was my duty to give away the rest

and I spent years barely surviving because of that, because I prioritized supporting others who mostly just took me for granted instead of saving for emergencies

because I was more comfortable working shitty minimum wage jobs than ever being so crass as to pursue money

Also like, I don't believe in god or jesus anymore so I'm pretty sure I don't have to follow a bunch of rules that maybe were just hammered into me by pastors who wanted me to fund their new church buildings?

I am so over the mother teresa bullshit that suffering is inherently virtuous

Fuck that.

I'm tired of precarity.

It feels goddamn good to know I can afford emergency car repairs and regular maintenance. To buy myself little treats and clothes that actually fit. To watch my savings go up each month.

I want to stack up a big fat wad of cash and never be broke again. I want to know I can take care of myself and the people I love. I want to build a life with time for leisure and relationships and parenting and all the things that matter.

I think I could probably make a lot more money if I could swallow my crippling sense of moral injustice and just chase the almighty profits.

But I'm terrified it will make me evil

[financialfreedomforever]

[talabib]

Mastering the Art of Investing: Practical Strategies for Insightful Decision-Making

Key Point:

Making smart and insightful investment decisions is an attainable goal with the right strategies in place. By recognizing your limitations, managing emotions, seeking professional guidance, and aligning your investments with personal objectives, you can cultivate a robust and successful investment portfolio that stands the test of time.

Sound investment decisions are the bedrock of financial success. However, navigating the complex world of investing can be challenging, even for the most seasoned investors. This post explores practical strategies for making smart and insightful investment decisions, empowering you to grow your wealth with confidence and finesse.

Recognize the Limits of your Abilities

In both life and investing, it is crucial to acknowledge the boundaries of our expertise. Overestimating our abilities can lead to ill-advised decisions and, ultimately, financial losses. By cultivating humility and seeking external guidance when necessary, we can minimize risks and make more informed investment choices.

Manage Emotional Influence on Decision-Making

Emotions can significantly impact our ability to make rational decisions. To circumvent the sway of emotions, adopt a disciplined approach to investing, relying on data-driven analysis and long-term strategies rather than succumbing to impulsive reactions.

Leverage the Expertise of an Advisor

Engaging a professional financial advisor is a prudent investment decision. Their wealth of knowledge and experience can help you navigate market complexities and identify opportunities tailored to your financial goals, risk tolerance, and investment horizon.

Maintain Composure Amidst Market Volatility

Periods of market turbulence can incite panic among investors. However, it is essential to remain level-headed and maintain a long-term perspective during such times. Avoid making impulsive decisions based on short-term fluctuations and focus on your overarching financial objectives.

Assess Company Management Actions Over Rhetoric

When evaluating potential investments, examine the actions of a company's management rather than relying solely on their statements. This approach ensures a more accurate understanding of the organization's performance, financial health, and growth prospects.

Prioritize Value Over Glamour in Investment Selection

The most expensive investment options are not always the wisest choices. Focus on identifying value rather than being swayed by glamorous or high-priced options. This strategy promotes long-term financial growth and mitigates the risk of overpaying for underperforming assets.

Exercise Caution with Novel and Exotic Investments

While unique and exotic investment opportunities may appear enticing, approach them with caution. Ensure thorough research and due diligence before committing to such investments, as they may carry higher risks and potential pitfalls.

Align Investments with Personal Goals

Invest according to your individual objectives rather than adhering to generic rules or mimicking the choices of others. Personalized investment strategies are more likely to yield favorable results, as they account for your unique financial circumstances, risk appetite, and long-term aspirations.

Making smart and insightful investment decisions is an attainable goal with the right strategies in place. By recognizing your limitations, managing emotions, seeking professional guidance, and aligning your investments with personal objectives, you can cultivate a robust and successful investment portfolio that stands the test of time.

Action plan: Learn a few simple rules and ignore the rest of the advice you receive. 

It’s easy to become completely overwhelmed by the volume of advice available about investing. However, you don’t need to become an expert on the stock market in order to become a good investor. 

Just like an amateur poker player can go far if he simply learns to fold his worst hands and bet on his best ones, a novice investor can become very competent just by following a few simple rules. For example, he should learn not to overreact to dips in the market and make sure to purchase value stocks instead of glamour stocks.