This, Yes!¡!

This is very similar to how I invisioned her!

@langwrites I doodled Kei!! I hope you don’t mind!

This needs to spread so much, so much of this I only learned about a few years ago at age 30!!

Kids, we know how interest works, right? A while back I made a post about how credit card interest can screw you, but we know how interest can be good for you too, right?

I suspect we don't know about this because on one of the posts I made about it someone said something about how it is evil that money can make money, but you know that's not just for the ultrawealthy, right? That is legitimately something that you can and should take advantage of in some kind of retirement/savings/investment account.

Let us say that you are twenty years old, have no money to put into a savings account, but have a job that pays you well enough that you've got twenty dollars to spare from each paycheck.

Let us say that you put that into a normal savings account; normal savings accounts have an average interest rate of .56 APY. Let us say you are going to be working until you are sixty, and that you will add forty dollars to that account every month (twenty bucks from each paycheck) for a total of $480 per year.

At the end of 40 years you would have about $21.5k.

That's a pretty good chunk of change! twenty thousand dollars is a lifechanging amount of money. But look at the total interest. In forty years you would have accrued only $2300 in interest.

Now, instead, let us imagine that you are a member of a credit union that offers you a free, high-yield savings account with a decent APY. Everything else being the same, but putting that money in an account with a 4% return does this:

Your total contributions that you put in stay the same, but the amount of money you have at the end of forty years more than doubles.

Let's say you have a thousand dollars to put in the account at the beginning and run it again.

Low interest account: you add $1000 at the start and have an extra $1200 at the end.

High interest account: you add $1000 at the start and have an extra $4000 at the end.

There are many, many very stable opportunities for savings that will grow your money. Fifty thousand dollars isn't a retirement plan, but it's a hell of a lot better than what you would have if you just stuck cash in a savings account or if you didn't save any money at all.

I know how hard it can be to save. I know it feels impossible to put money aside, but even if you start with no money and can tuck away five dollars a week you can get a LOT out of that five dollars a week.

This certainly isn't "you can't buy a house because you get coffee at the cafe," but it something that can HELP.

Now, let's suppose you're not twenty. Let's suppose you're in my boat, and you're (almost) forty and you're going to be saving for twenty years. You still don't have a lot of cash, but you know it has less time to grow interest, so you double your contribution and you put in forty dollars for each paycheck for a total of $960 a year.

That is extremely very much not the same thing as putting in forty bucks a month for twenty years. Instead of your interest being nearly one and a half times the amount of your contributions, it is around half.

If you are a young person (honestly even if you are not a young person) and it is in any way possible for you to start putting money into any kind of an investment account, you should do so as soon as humanly possible. The earlier you do it, the more interest you will have and the more money you will end up with when you are nearing retirement age.

This is how individual retirement plans work. This is what a 401K does, but sometimes it does that with matching contributions from your employer (so your employer matches whatever you put into the account up to a certain percentage of your pay). 401K accounts also often have higher APYs than high yield savings accounts, though they have more limitations on how and when the money can be pulled out.

If you are broke as fuck and never learned anything about investing or interest from your family because your family was broke as fuck too, now is the time to learn. r/PersonalFinance is a reasonable resource (and if you ever happen to have a windfall that's the first place I would point you for figuring out how to make the most of it) for learning about this stuff.

Thinking about money sucks! Being afraid you'll never be able to retire sucks! Having to figure out how to save sucks! But there are tools out there that even very fucking broke people can use to make that suck less.

I adore this, I don't know why but I do 🤩

And if I had the money I would, instead I'll share it.

At the gate for my flight home from visiting friends and there's a woman here with a service Shiba Inu. No pics because he has a Do Not Disturb vest and taking pics of strangers is illegal but I need to stress how ON DUTY this animal is. Ears up. Eyes doing Lazer scans of everything. Examining everyone who passes within 10ft like a security guard. Ass planted on her feet. I have never seen a dog with such intense chivalric guardian energy before. He has tiny eyebrows and they are FURROWED with concentration.

Try going through bloopers of scenes that you have already done...

Yes I want to write my story but my story doesn't want to be written so what the fuck am I supposed to do about that huh?

Reading this, really reminded me that history may be of the victors, but the ones who write it down are those who are left.

constantly devastated by the world we lost due to aids

What I love about this is she's not a size zero lady but she's comfortable in her skin.💜😇

Hilda by Duane Bryers

And for those who don't see it as legitimate, well 😕🫥☹️

this was a great read. “Laziness Does Not Exist” by Devon Price

While my disability isn't something easily DIY like this, I do think this is something to reblog and share.

In case anyone finds it helpful because mobility aids are horrifically expensive and inaccessible…

And for those people who have access to mobility devices but might benefit from a second chair they can abuse without risking expensive damage…

Erik Kondo has made a website, Open Source Innovations, that details plans for DIY wheelchairs. These wheelchairs can be made from common materials like wood, plastic, and pvc. They are lightweight and can be custom fit to the user allowing from the same degree of movement you would get from a custom chair. And they are durable and easily repairable. (he has been stress testing his latest design by dropping it down stairs, dropping it out of a car, launching it across a driveway, and throwing it off a deck). Its 12lbs and I think he said its was in the $200 ish range for parts.

He also is working on cheap, open source, accessible designs for beach chairs, off road chairs, motorized attachments (think smart drive), and so on. Plus he skateboards in his wheelchair. Cool dude, helpful info, pass it on.

Why is this so accurate 😂🤔😂🤔🤣

Having ADHD is like just now I went to look up salmon recipes but suddenly I’m building a shelf

it’s really scary how unaware the average person is of the climate crisis. and that’s not their fault, it’s very deliberate