#and now i think i have a roth ira

[casbitchh]

not to brag but i just got an update on my retirement fund that if i retire at 68 i’ll have $10 a week until i die at 90 😎

[kremlin]

@wikwalker hi sure yes anything to give me an excuse to procrastinate the post i should be writing right now. here are all teh drugs and how to manage them. you can trust me, a drug addict

first of all: https://www.erowid.org/ , erowid always

don't be afraid of drugs, if they're the right drugs, you should do them since they will be a blast regardless and overcoming fear is also good (but outside the scope here)

OK to do as much as you want: alcohol - social benefit greatly outweighs health effects, no reason to avoid if predisposed to abuse since that'll happen sooner or later. what can i say? don't be a fucking dork. when you start drinking, really overdo it as much as possible without dying and get a few real nasty hangovers under your belt so you know how much is the right amount to drink.

weed - innocuous enough to be fine but will make you stupid in the long term. make sure to only buy from a real drug dealer and never some legal institution. cut it out when you're a "real adult". don't smoke weed and watch TV routinely, go out and do things so you naturally grow to hate it. good to go through this as early as possible to minimize the time you spend as a cringe weed enthusiast

i guess those are the only two.

ok to do infrequently (annually): "lsd" - or whatever it is, probably not lsd, blah blah blah, if it works and is sold on blotter its fine and won't make you go nuts or whatever. opt for a better psychadelic imo. see psych rule at bottom of section

mushrooms - better than acid since you know what they are. rule of thumb is to always do more than you think you want. minimum 1/8oz. see psych rule at bottom of post

dmt - if you somehow have a dmt hookup you don't need to be reading any of this. lasts 10 minutes which leads to tendency to way overdo it, don't do this, my favorite webcomic artist is permanently crazy from exactly that. using a crack pipe is also not the uhhhh most dignifying-feeling thing to do either. it's harder than you think.

mdma - for use at electronic music event or rave. overuse causes brain lesions or something.

coke - wait until you're in your 20s, have maxed out your roth IRA for a couple of years in a row, and havent missed a car payment in a similar timeframe. better still if you've worked a very shitty low paying job and know the value of a dollar. if you still find yourself buying candy you're not ready. too expensive to be worth it to get hooked on. know that you are VERY ANNOYING to anyone who also isn't high. don't fuck around with the guy selling it to you. avoid discussing or thinking about business ideas. you can't afford to make it a habit + kinda turns you into a piece of shit after a while, but at least a very interesting one

ketamine - another sick drug that rules, but save it for a special occasion. don't try and go into the k-hole your first time

rule for psychedelics - you get one good strong trip a year and that's it, make it count, always opt for doing a bit more than a bit less. but don't make it a habit, otherwise you turn into a very stupid very annoying "hippy" style cliché and believe in ghosts, aliens, crap like that.

ok to try once prescription opiates/benzodiazepine (xanax), valium, this kind of shit - worth trying so you can go "holy shit, this stuff is way way way too good to ever use responsibly" and then never do again. especially if you're white. for some reason we just can't handle this shit. if a doctor prescribes it to you, idk, that's your call to make.

ayhuasca - this is just dmt in a different form. do some other psychadelics a number of times before you do this. once you realize the whole "substantial visual hallucinations" thing is made up, its time. do exactly this: -buy root online (legal). receive box of dirt -boil dirt into "tea" (read erowid for exact recipe) -take over-the-counter anti nausea medicine or anything that will give you a stronger stomach -drink tea (its nasty as fuck, get it down quick) -have someone bigger than you keep an eye on you for the next five hours. -have the experience, which is absurdly intense, has no bearing to the real world, etc etc. don't be a bitch and throw up, if you do it'll only last an hour or so. again there is no way to provide a consistent description of the experience except that you will meet god. you only ever need to do this once and never again. trust me

peyote/salvia/etc - try em if you want, you'll never ever want to again afterwords. these are drugs for idiot teenagers too lame to get real drugs. imagine being very very sick from poison and utterly terrified at the same time. No good

whippets/nitrous oxide - just find a dentist that uses it and don't bother creating hundreds of pounds of trash on your floor for this crap that lasts ten seconds. you have to understand the extremely short timeframe coupled with the cost makes zero sense. go to a phish concert parking lot and do some people watching -- you do not want to be these people. only use is as a motivator to get routine dental exam. also if you somehow manage to make it a heavy habit your fucking legs stop working, no shit, but they start working again once you quit.

don't ever do heroin/meth/pcp - is is truly a mystery why you should never do these 🙄

synthetic weed/k2/shit from the gas station - it is so funny that they sell this as "weed that won't pop you on a drug test". its not weed. it is some dubious chemical sprayed on yard waste. smoke it to have a terrible time and go nuts. only buy drugs from legitimate drug dealers!

kratom - anyone's guess as to why this is legal but it's heroin for pussies. its still heroin

dxm/cough syrup - do you ever wonder why it is exclusively teenagers robotripping? it's because it sucks ass. is like a cheesegrater on your brain in terms of health effects with repeated usage. you're better than this king

inhalants - these are at the bottom of the list for a reason. do not huff gas. don't huff paint. do not consume computer duster. not fun + fastest way to make yourself a complete, uh, (word i can't say anymore) and then dead

not listed quaaludes- unavailable due to no longer being manufactured. these ruled apparantly

sincis2c - unavailable due to not existing, i just made this up

amphetamines - cannot provide objective take here. they're my albatross, lifelong (posted 4:55am natch)

[centrally-unplanned]

People think we are in a recession because nothing is affordable right now and wages have been stagnant for decades. Why should give a shit about the stock market? Its a bunch of made up shit so rich people can make money for free.

Rent is 1700 a month, eggs are 8 a dozen, and medical care is unattainable. Please start living in material reality instead of the moneyrealm that stock brokers and econ students delude themselves into believing in

I already have discussed this to death so I won't give a full rebuttal, but its all wrong. Wages (in the US, this was about a poll of Americans) adjusted for inflation are higher than ever, eggs are about the same price they have ever been, 60% of Americans own stock, half of Americans have things like Roth IRAs which are again stock.

Rent is a problem, that is one of the real ones - its regional, median rent-to-wage ratios are stable but in big cities its definitely worse. If your complaint is about rent just talk about rent, don't make up egg shit.

I do assume you were trolling but I will do my best to be charitable on this. The reason you know American's financial situation is fine is because you can just ask them, and they say they are as fine as they were in 2019 or w/e. Then you ask them about "the national economy" and that distant ghost figure all sucks apparently. Its vibes.

[teamfreewill2pointo]

I’m curious as to what you think Jensen and Jared and Misha’s net worth is? None of them have changed online for a decade? Kinda weird.

There's no way to know and those online guesses are not accurate at all.

I started putting money into a Roth IRA account much earlier than my partner because I started working earlier than my partner and was better about investing for retirement. Anyone just looking at the raw numbers based on salary would assume I have more than my partner, but he invested his entire Roth IRA in Nvidia, then pulled out when it was high, so he turned $X into $12X.

He now has 3 times the amount of money in his IRA compared to me, even though I held a higher salary for longer and started working earlier.

Salary is not the same as net worth, especially in the entertainment industry, where actors frequently accept lower salaries in exchange for a percentage of money earned by the media.

We have no idea how much they've inherited, how much they've invested, and we don't know where they've invested or when they started investing. Gen and Danneel both come from wealth and wealth begets wealth, so it's likely that the Padackles have more than Misha, but if Misha was able to invest in some wild cards, he could have more.

Jared's father is an accountant and another part of wealth accumulating is knowing the system. It's not just about how much you earn, but also how much you keep.

Jared uses another accountant for his money management, and considering all the con stories he has about his accountant, there's a pretty good chance that he's working really closely & regularly to maximize the money that he has, so I think he has a lot more money than what those articles believe.

[a-d-nox]

Hello, nox! How are you? I hope you’re well and enjoying your new deck 🎉.

I’d like to participate in your latest game “tick tock goes the clock” if it’s possible.

My initials: EO

My reading choice: 🍾 POP 🍾

My goal for the next year is to graduate and secure an internship abroad. By the way, what is your goal for the next year?

Thank you for your time and energy! Have a good day/night!

clocking no. 20

hi! i am doing alright i am getting ready to go to to my grandparents house to spend thanksgiving with them (never know when its the last might as well be with them while they are here - happy thanksgiving if you observe it)! thats a great goal too - i hope you find a good internship. keep on studying - you are in the final stretch the last semester goes fast!!

last year i made a bingo board - i think i will do that forever now it was so helpful and super motivating to me. here are some of my goals that i have in mind rn: start using a hair mask once a week, moisturizer everyday (i'm getting old and have to start taking better care of my skin), no more phone before bed, start stretching or doing yoga before bed (i'm again getting old), go for mini morning walks for 10mins (totally doable and good for my circulation), look into buying land, open a roth ira, look into brokerages, scrub myself from the internet (i think i am gonna get off a lot of social media - i don't like x or instagram anymore), read 25 books, volunteer quarterly, no more soda, take a month off from social media, have a no buy month, go 24hrs phone free, etc.

now on to your reading...

start of 2025 -> 0.5 - i feel like tensions are going to be high for you going into 2025. things are going to seem complicated... it might feel like you can't process everything thats happening. it might also be like a seasonal affective disorder type deal. leave some grace and patience for yourself.

end of 2024 -> 2.1 - you seem pretty balanced and content right now. are you talking to someone right now? are you bonding with someone?? life seems pretty perfect feeling for you. you have like an internal peace. you are blossoming in "winter".

what's changing for you in 2025 -> 8.1 - you are definitely going to find some opportunities to get out into the world. adventure is going to find you! you will be guided during this time as you journey around the "outside world".

the work you will have to do -> 5.1 - i think you have to work on how you manage your stress. you are bound to be under some pressure this coming year. learn to release your stress in a healthy way and maybe how to go with the flow better.

end result of 2024 at this moment -> 6.1 - you have been tending to your life and self and you are starting to see positive growth! keep it up! keep taking care of your heart. maybe find a volenteer opportunity before the year ends to spread the love and positive karma. give without expectation of receiving in return.

-a.d.

[newathens]

hiiii hope ur doing alright I’m so sorry if this is too personal but I was wondering what u meant by “so many opportunities to be the person i always wanted to be are no longer at my disposal” ? I’m just entering my 20’s and idk what to watch out for, what to take advantage of and what to develop & invest time and energy into? Thank you so much & feel free to ignore this ofc hope u have a lovely year!

firstly I’d say im not the best person to ask because im just a nightmare negative nelly debbie downer no good fiend but mostly what i was referring to in that statement was my own personal mental illness situation. its very hard to describe but now that my brain i guess is “healthy” i look back at myself, probably from the ages of 16-24, and i realized that i wasn’t a person. i wasn’t operating with a healthy mind, i mean I’d say i wasn’t even operating with a mind. i was some strange zombie that would get up and go to class and then go to work and nothing else and i KNOW i say that now as a regular person who works but its different. it’s almost like i had no bodily autonomy in my own self. And i mean i DID things in college sure but if i had the mind that i have now back then, i think my life would currently look ten times different. And now i feel like there’s no way to fix it. At least, not a way that i can logically create. That statement is just specific to my situation

it’s hard to suggest things when everyone’s situation is so unique. ik you’re young and entering an even crazier world than i did ten years ago. honestly, my advice, is try a ton of new things, get away from your phone, listen to some of financial freedom gurus cause they have a point every now and then (roth ira, hysa, etc etc) but not always. if you’re in college, find internships & make connections. and if you feel you’re not good at socializing, work on it until you are. its so important, it’s the one thing i wish someone had told me. it’s so so important to have connections and be a networker and it sucks that that is the way the system is set up but go for it as much as you possibly can. um if you are mentally ill like me, go to therapy as soon as possible if your budget allows. and i don’t even mean in a “you have to heal your mental illness immediately & be ur best u” way. therapy just takes a lot of time and the sooner ur start the better. it’s nice to play the game of life with a fuller deck of cards. get rid of shame, haha teehee, im not kidding. and if you can’t just ignore the fact that its there even if it makes u want to hurl. and u can apply that to a lot really. going to the gym or starting a dance class or going to a cafe or eating alone. do u know when i was in college everybody was scared of eating alone and i wasn’t. granted i feel i am revolting and try to keep away from others so that’s why i had no trouble, but still. i could never understand why ppl were worried abt eating alone. focus on the fries! talk to ppl in your head! no shame! there’s no reason to have your life figured out, but im not going to say what other people say and tell you you have all the time in world. ignore the world for a second actually. figure out YOU and your interests and what YOU dream about and again try new things so you have a better understanding of YOU and then you can mold the world around you to better suit what you believe will give u the greatest joy & the best situation. because if you know you then all the choices become a lot less scary & half of them disappear altogether bc they become irrelevant! that’s all i can think of for now. im sorry if it doesn’t make sense.

[emi1y]

💸💸💸

feeling like an adult bc i finally understand what im doing with money and what works well for me. paying all my bills/ insurance/loans with a credit card set to auto pay so i don't miss payments but don't overdraft my bank accidentally (from experience). paying my credit card balance in its entirety every paycheck instead of waiting until its due each month so i can keep a better eye on it and so i don't reach the end of a month with a bill larger than i can afford. afterwards putting as much as i feasibly can into a savings at a completely different bank so that when i check my main account i don't see how much i have saved and don't think of it as usable money. keeping my checking acct as low as i can to minimize how much i spend because i think i have no money. i've been researching stocks and funds and all that grown up stuff for a while and i think by this summer i'll be able to start investing in umm a fund or whatever you want to call it to save for a down payment on a house five years down the line. when i move in april and have cheaper rent i'm going to start putting the difference into a roth ira bc my company doesn't match retirement plans. then in june it will be my 1 year mark at my company and i'm going to ask about a raise so i've been documenting my work and the new skills i'm being trained on so i have a solid stack of evidence with me. anyway the wildest part of all of this really is just the fact that for the first time ever i'm able to visualize a life 10 years from now. it's not just a gray nebulous void. i have tangible goals and i can see the path it's going to take to get there and I'm excited to be working towards them even though it means not seeing the rewards for years and years and years.

[butchhazard]

working in sales is so crazy because I’ve gotten such a close look at peoples’ insane spending habits and now i get why so many people are BROKEEEEE. yesterday i sold 2 pillows for nearly $700. $700 for two pillows!!!! and recently i sold a $3k massage recliner to a dude with ZERO credit who’s probably gonna spend twice that amount by the end of his payment contract. and it’s not like i scammed this guy he literally went from store to store looking for a place that simultaneously carried a massage recliner and offered this specific contract. People are fucking crazy i cannot imagine putting myself in debt for a fucking massage chair when my credit is already on the floor. Then I’ll get on YouTube and see videos of girls with $5k+ in debt on their SEPHORA CREDIT CARDS!!! 🤯🤯 Guys what is going on!! Retail spending is up 8% this year and over 50% of Americans claim they couldn’t afford a $500 emergency. I stopped buying random stupid stuff while i was out when i learned that just $28 a day sums up to $10k spent in a year but most people’s responses to that is WE NEED TO ENJOY LIFE WHILE WE HAVE IT 😭😭 i don’t think y’all are gonna be enjoying life when you’re 70 years old and still working because that Roth IRA was collecting dust for 50+ years while you bought 12,000 funko pops

[twilightakiishi]

hi venus ^o^ 8, 12, and 38 for the ask game pretty pls <33

hi hana :3 ty for the ask!!

8. any reoccuring dreams?

OMFG YES! YALL not recently but in highschool i dated this guy for a short while…just a few weeks. and the entire time, i had this dream several times a week that seemed to continue longer every time i had it, but basically, he would invite me to his house, and when i would reach the front step, the door opened with a creak and no one behind it. it was dark, and there was a really long staircase right in the entryway with a muddy greenish light emanating from the door at the top of the steps. i’d walk up the stairs, and the closer i got to the top, the more it STUNK. like….rotting meat and must. and when i entered his bedroom, there were organs strung above his bed with fishing wire, just dangling above it. stomach, liver, tongue, lungs, all of that. and it smelled horrendous. and then the door would slam behind me. when i broke it off with him, i never had the dream again…….literally fucking insane 😭

12. what’s some good advice you want to share?

this is a good question...I have a few small tidbits!

the two things i practice the most that make me the happiest version of myself are mindfulness and gratitude. taking a moment out of my day to really savor the taste of the food i'm eating, listening to the sounds of birds chirping or wind blowing when I walk to my car in the morning, focusing on the sensation of soft blankets when I get into bed...it takes a lot to be present, but it'll help slow your life down in a good way. stop and smell the roses, like actually!

gratitude can be daunting, if you feel like there isn't a lot to be grateful for. but practicing gratitude for even the smallest things will make you happier! it's as simple as acknowledging in your head, "wow, I'm glad I own this pair of shoes. I like them. wow, I haven't had a headache today. that's awesome. wow, a warm shower. very nice." I think a lot of people don't acknowledge the mundane enough. just because it's something you do or see every day doesn't mean you should take it for granted!

putting money into a roth ira in your early 20s will set you up good for the future, if you have the means. even 5% of your paycheck a month, or every 3 months...whatever you can manage. it helps a lot!

umm...that's all I can think of right now. but yeah :0

38. fave song at the moment?

kind of in a music drought rn...but here's one I've been listening to omw to work pretty much every day! as an emo I get kinda shy when y'all ask me this, but this is outside of my usual genre and I love it! it's fun to sing along to.

[jehovahhthickness]

This might be a dumb question but do you have a Roth IRA? If so,did you start it on your own OR through your employer?I have been thinking about opening one but I'm not sure where to begin or even how to open one. Is it smart to start up one on my own?

I do have one!

IMO, it’s better to invest in Roth IRA than a 401k because I left one of my big girl jobs in 2021 and had over $8k in my 401K and only could cash out about $2-3K of it. The rest, my former employer kept. I’m so heartbroken. I wish I knew better when it came to money management.

You should totally have a Roth IRA and max out of it, which is about $6k a year.

You should also have multiple high yield savings accounts … I think right now, the interest rate is about 4.15%? Apple just launched a high yields savings account and I think they have the highest rate right now if I’m not mistaken.

Never let your money sit in your bank because it’ll never accrue interest.

I believe there are life insurance policies you can buy, that you can borrow money from if you ever need to.

[lovecrafts-iranon]

Lately my way of avoiding thinking about how awful I feel about writing and chess has been to think about money. I've been taking on a lot of extra shifts. Having a higher paying job (as in not being either a hotel front desk guy or security guard) is out of the question though because I can't take doing too much actual work. I saved up enough money that even if the insurance doesn't pay for it, I can have top surgery. I have also been contributing to my roth ira (investment account) and donating to charity. Aside from big ticket items like moving states, buying a house, and other trans surgeries, there isn't really anything I want to spend my money on. I don't want any short term nice things right now basically because of how bad I feel. And where would I even put them. But if I ever feel better, I know having some money will be helpful, like i could pay somebody to come in every month and wash dishes again, which I'm not doing now because what's the point, not like I need that time saved in order to write. It is nice that every time I put more money in an index fund, I'm taking years off my torture sentence (having to work).

[jack-wess-wolf]

Okay, some actual (debatably ok) financial advice. Check your bank's rate. Like how much interest do they give you 1%, 2%, 3%? Do they charge you to keep your money there? If yes, check and see how much they are charging you and then weigh if it's worth to stay there. Some banks chaege $14/month for some accounts and in a year that is $168 (a grcoery trip or two for some people). If you have a card with that bank then keep track of what perks you get and if you use them. See if it’s worth it.

Look into your local credit unions and compare them with your bank. I have found that about 90% of thr time the credit unions give better perks overall at smaller amounts and for people not making as much money as natuonal banks (in the USA).

Additionally, if you have $100 that you are not using and are VERY LIKELY not to need for 3-12 months look into the financial institution you are using and thier CD rates.

CD's lock in an interest rate so you'll have to do some research on if you think a rate will go up or down or stay the same (banks usually offer slightly higher interest rates than what they provide for your savings/checking account). Like right now because I was pretty sure the interest rate would drop a few years back. So I have a CD at a 4.2% interest rate thst is due up next year (5 year CD) and the interest rates dropped to about 2% ealier this yeat so my CD at 4.2% is almost double what the rate is now and will stay that way for another year. HOWEVER, it means that I cannot touch the money until the 5 years is done (without consequences). I put 1/4 my savings and all of my tax return into it so it was money I was able to spare since I never plan on getting return money.

If you have $1000 or so and you feel ambitious go into stocks (although maybe not right now... there's uncertainty because of tariffs and stupid shit that is being said). Stocks is basically betting. You can bet on a single stock (high risk, high reward and lots of research and technical knowledge of thr specific stock you're looking at highly suggested) or you can bet on a variety (this is a fund or ETF and are usually lower risk, lower reward but more consistsnt) . Vanguard, Fidelity, and there’s one other big one that is popular.

If you still want to go into stocks but don'thave enough money, there are penny stocks around. I never got into them because they are huge risk, huge reward.

And.... as much as I hate to say it... cryptocurrancy acts a lot like penny stocks and while I personally would not recommend it, I will not stop you from doing your own research.

ALSO, IF YOU HAVE A JOB WITH A 401K or can open your own IRA use it. 401k get the max you can out of a match (FREE MONEY). AND IF, you can afford it do a ROTH version if you are under 50 (you can do it over 50 but anything over like 60 is... questionable measure if benefits for thr time you have left working).

I can explain the difference between traditional and Roth if anyone is interested but I have to go back to work now.

When I grow up I wanna be upper middle class.

[innoveraschool01]

21st-Century Life Skills that Schools Should Teach Students

During the second season of the Competentencies without a Classroom podcast, SpacesEDU interviewed 21 leading educators, teachers and education consultants on what life skills they wished they had been taught, or taught more of, before leaving high school. The answers we received were pretty interesting!

When asked about what 21st-century life skills they would ensure students in high schools today would be taught before leaving school, here were some of the answers.

Financial Literacy

Empathy or Social-Emotional Learning

Time Management

Mindfulness and Self-Awareness

Self-Advocacy

Losing Gracefully

Collaboration and Team Work

Self-Assessment and Reflection

Cooking

Digital Citizenship

Financial Literacy as a 21st-Century Skill for Students

How do I do my taxes? What about a 401K or Roth IRA account? How do I invest? What do I need to know to save up for or buy a home? How does cryptocurrency work? What are stocks? Bonds? Options?

Students leaving high school do not often have the answers to these questions. However, among the 21 educators who we interviewed for the podcast, a significant number of them suggested that financial literacy is required to succeed in the 21st-century.

It’s been theorized that students’ interest in learning about money is limited because they themselves do not have or are not earning significant amounts of money on their own. However many students often express frustration or bewilderment after graduation when they are then tasked with learning about taxes or savings after high school.

Time Management as a 21st-Century Skill for Students

Oftentimes, a student’s time management skills are dictated by the schedules of their classes, parents and extracurricular activities. Some students may find that their time management skills might not be where they need to be once they hit college or start their careers after school. The newfound freedom associated with college life or their first full-time job may have young people now tasked with managing a lot more responsibility, and more choice in their schedules. Learning to prioritize responsibilities, break down significant tasks into smaller tasks and managing competing interests will help to prevent burnout and ensure the most important duties are taken care of.

Collaboration and Teamwork as a 21st-Century Skill for Students

Upon graduating from high school and entering college or the workplace, students will find out very quickly that their ability to collaborate with others in order to complete major projects and achieve significant goals is critical.

Collaboration and teamwork is a skill set that requires students to learn how to work with personalities that may be very dissimilar to their own. Coworkers’ personalities may not synchronize perfectly with their own. The ability to learn to maximize a team’s strengths, learn to be a team player and also be a team leader are critical for success in the 21st-century, and so many educators agree that teamwork and collaboration is a critical 21st-century life skill for students to learn.

Self-Assessment and Reflection as a 21st-Century Skill for Students

Another reoccurring theme among the 21 educators that we interviewed was self-reflection and self-assessment. Student portfolios are oftentimes a tool that students and teachers alike will utilize in the classroom in order to document their self-reflection, their work and their learning. Self-reflection allows students to record the process, progress and product or results of everything they’ve learned.

Ultimately, self-reflection allows for students to showcase the thought-processes behind their problem solving or classwork, enables reflection of the student’s emotional processes and helps students to reflect on what they would do differently so that they can improve upon their work and skill set the next time they tackle a similar challenge.

What 21st-century life skill do you think is most important to learn for high school students?

Do you agree with the answers of the teachers we interviewed? What 21st-century life skill do you think is most important for students to learn today as they leave high school? Why?

And how would you change the curriculum to teach these life skills?

Tweet at @Spaces_edu and share your thoughts!

[trckstergods]

this is going to be the most adult post i ever make but i really need to talk to a financial advisor because if i invest $300/month at a good rate of return for 6 years I could afford a really good downpayment on a house but doing that means i can't afford much fun stuff or i have to stop maxing out my roth ira and also im thinking of moving but if i move my rent is going to be 2x what im paying now with roommates and I could justify it by doing 60/20/20 instead of 50/30/20 but i Just Dont Make That Much Money so is it even worth it? am I freaking out for nothing? should I reject this job and move in with my parents for a few months and look for a higher paying one? just so I can save up enough money to buy a new car (that i actually need) and a house in the future? can someone just fucking date me so I can stop stressing about how expensive it is to live a good life without roommates?

i want to take this new job because i want to move and its a good step into an industry I would like to work in. but its not a pay increase. i'm already being paid below the median for someone with a bachelors degree. and i got rejected from all the pa schools I applied too and its way too emotionally and financially taxing to apply again. i should have just used that money to replace my shitty car it would have been a way better investment.

man i looked up a house that isn't too crazy but is a step above basic and i would literally need to double my income or get married to someone with a full time job to afford it. im so stressed out and i'm not even in debt this is so stupid.

[adragonsfriend]

I'm gonna expand on this because it really keeps getting notes (read: fucking up the little notes graph)

So @fangeek-girl makes an excellent point:

#I don't even think she committed fraud#but she definitely introduced them to tax returns they didn't think they benefitted from#Padmé#my queen

and @unhelpfulfemme makes another excellent point:

#she sees the tax situation on tatooine#knows how much of it goes towards stupid bullshit that doesn't help the populace#thinks THIS IS DAYLIGHT ROBBERY#and proceeds to cook their papers much more profesionally

We're going to keep ignoring that if Tatooine has any version of taxes it probably involves less paperwork and more Hutt enforcers bashing down your door to mildly rob you every few months--

And talk instead about the fact that Padme's family is pretty rich (they have like multiple country estates and houses in the capital city and they're routinely involved in politics). So being realistic, the Naberrie family knows and uses all the rich people tricks for paying as little in taxes as possible. It's not just Padme's government work that's informing her ability to commit tax fraud. There's a whole "financial literacy" (class heirarchy) thing going on here.

Now to be clear, it's canon information that the Naberries in general make their share of donations and are involved in plenty of charity work, and I think Padme keeps that up and expands it…though to be honest considering that her parents and sister are alive and it's family wealth, I doubt she actually manages it herself (certainly she wouldn't've had access to her own financial assets as Queen). Maybe she provides advice on where the most effective places to donate to are or something. Anyway my point is I think the Naberries generally do their best to be good philanthropist rich people, but they're not bankrupting themselves about it either.

Padme has her expensive things and she likes them (which is not a crime but is one of the less openly malicious vehicles of maintaining class separation). Some of those things are probably necessary for her job--being a politician involves keeping up appearances and attending fashion shows i mean senate galas--but it's pretty clear she enjoys having them as well. Being a fashion icon is expensive.

So Padme, being a chaos person who believes deeply in government but also in a spot of domestic terrorism when she thinks it would help someone, would totally pay all her taxes when she thinks they're being well used, and when she thinks the outcome of what they're being used for is the will of a democratic system.

If she disagrees with how the government is using her taxes…

I think she lets her family know it's a tax evasion year, and then they use all their rich people tactics and instead of paying a reasonable amount of taxes that year, they do extra donations instead. Maybe they have a network of rich people who all get the unofficial Naberrie Philanthropist News Letter which recommends whether they should pay taxes or do extra donations every year, and gives info on the most effective charities.

Padme is also however, fairly isolated within her own financial class a lot of the time, so I picture her as being a little naive about her own access to financial knowledge and therefore having to go on a journey of discovery to figure out that poor people really don't have access to the knowledge about any of that kind of strategic money use. Doing the Lars' taxes can be a step on that journey for her, and down the road in a fix it AU, one of Padme's things can be teaching financial literacy eg. gaming the system or something. Like…idk…the people on tiktock who tell you what a Roth IRA is, but in space.

That's kind of a depressing note for this to end on…uh… I know:

She makes a second news letter called the Naberrie Normal Bitches News Letter, and that one has advice for normal bitches who aren't rich enough to be philanthropists (I will accept suggestions for better names).

Whilst I adore the idea that in the maybe 24 total hours Anakin was present on the Lars' farm, he fixed literally everything mechanical there because of *angst*, I think an infinitely funnier idea is that Padme did their taxes. She doesn't like sitting around doing nothing any more than Anakin, and she was there for several extra hours, there's no way she didn't ask for something to do, and I think that thing should be their taxes.

Cliegg and Owen weren't actually expecting to actually be able to use a coreworlder's work, but as it turns out, Padme totally helped them commit tax fraud even better than they already were without even being asked.

Bonus points if she was doing it at the same time Anakin was out committing bloody murder.

[the-peculiar-bi-tch]

Thank you for the breakdown, vaspider! (I apparently have to say who I’m reblogging because the desktop ui is so bad now.)

A lot of retirees (including people how have been retired for years like my grandparents) bring in supplemental income for their retirement for a few reasons: a 401(k) or Roth IRA plus SSI isn’t really enough anymore even with no mortgage, and retirees are usually bored out of their minds and so need to find something to do that could also help pay for itself. My grandpa has a woodshop in his basement worth hundreds of dollars and he does everything from building cabinets to turning pens and salt/pepper shakers on lathes, and he does that because he gets to stay connected to his woodworking buddies, do something he enjoys (when the drive belt for the table saw doesn’t snap like it did when I was there), and bring in some extra money. I met an elderly woman in a small coffee shop once who does a lot of painting for the same reason, plus she gets to put it on display in that coffee shop and it really adds to the character.

As to the union thing, I don’t believe he thinks unions magically sprung out of the ground and I certainly don’t think he helped kill them. If you want to really express your anger towards those that did fuck that up for us, dig up Reagan’s cadaver and burn it in Times Square.