No Stupid Questions
No such thing. Ask away!
!nostupidquestions is a community dedicated to being helpful and answering each others' questions on various topics.
The rules for posting and commenting, besides the rules defined here for lemmy.world, are as follows:
Rules (interactive)
Rule 1- All posts must be legitimate questions. All post titles must include a question.
All posts must be legitimate questions, and all post titles must include a question. Questions that are joke or trolling questions, memes, song lyrics as title, etc. are not allowed here. See Rule 6 for all exceptions.
Rule 2- Your question subject cannot be illegal or NSFW material.
Your question subject cannot be illegal or NSFW material. You will be warned first, banned second.
Rule 3- Do not seek mental, medical and professional help here.
Do not seek mental, medical and professional help here. Breaking this rule will not get you or your post removed, but it will put you at risk, and possibly in danger.
Rule 4- No self promotion or upvote-farming of any kind.
That's it.
Rule 5- No baiting or sealioning or promoting an agenda.
Questions which, instead of being of an innocuous nature, are specifically intended (based on reports and in the opinion of our crack moderation team) to bait users into ideological wars on charged political topics will be removed and the authors warned - or banned - depending on severity.
Rule 6- Regarding META posts and joke questions.
Provided it is about the community itself, you may post non-question posts using the [META] tag on your post title.
On fridays, you are allowed to post meme and troll questions, on the condition that it's in text format only, and conforms with our other rules. These posts MUST include the [NSQ Friday] tag in their title.
If you post a serious question on friday and are looking only for legitimate answers, then please include the [Serious] tag on your post. Irrelevant replies will then be removed by moderators.
Rule 7- You can't intentionally annoy, mock, or harass other members.
If you intentionally annoy, mock, harass, or discriminate against any individual member, you will be removed.
Likewise, if you are a member, sympathiser or a resemblant of a movement that is known to largely hate, mock, discriminate against, and/or want to take lives of a group of people, and you were provably vocal about your hate, then you will be banned on sight.
Rule 8- All comments should try to stay relevant to their parent content.
Rule 9- Reposts from other platforms are not allowed.
Let everyone have their own content.
Rule 10- Majority of bots aren't allowed to participate here.
Credits
Our breathtaking icon was bestowed upon us by @Cevilia!
The greatest banner of all time: by @TheOneWithTheHair!
view the rest of the comments
Yeah, everyone always talks about having a "hole" they need to fill with something... I'm pretty sure I don't have that. I enjoy stuff, I'm a pretty happy person. But I don't really -need- anything, other than sustenance stuff. I like having more stuff, but it's not that important to me. I live well below my means, so my extra money just kind if piles up. My dad always says money just sitting there in the bank could be "working for you", but then he always lives paycheck to paycheck and stresses about money all the time, that lifestyle didn't "work for me". I'd rather just have that money sitting there and be stress free instead, that works for me.
I like VR quite a bit, so I like to make sure I have a current headset and computer. But those are both pretty cheap. Computer is like 3% of my yearly income, but I only need a new one every 5 years or so, and the old one still sells for decent. And the headsets are less than 1% of yearly income.
If I won a lottery or something, I would probably just become a secret philanthropist, well, more of one. But don't tell anyone, it's a secret. I do like just randomly helping people with stuff. Money makes that easy, but I help with whatever I can. Despite being autistic, I am somehow inexplicably also strongly empathic. So I'm ultimately a people pleaser, but very much an introvert with heavy social anxiety. So yeah, I like to make people feel good, without them knowing it was me, cuz getting credit would suck for me.
I don't think we really get to choose alot of our behaviour, we are mostly a product of our genetics plus our life experiences. I'm honestly not even sure about free will. Did I actually make any choices that could have been different, or was the answer I eventually settled on always going to be what I was going to do based on everything that happened leading up to it and my perception of those events. I suppose ultimately, it doesn't matter. I like the way I am, and I wouldn't change anything if I could, so it doesn't matter if I probably can't anyway.
Keeping large amounts of cash in the bank is not a very smart financial move. Due to inflation, you're effectively losing money. You should have enough cash to get you through a crisis without needing to touch your investments, but the rest should be put into low-cost index funds, for example. I "earn" more from interest each year than the vast majority of people can save from their wages. In my opinion, working-class people can't afford to miss out on the phenomenon of compounding interest. That should be taught in schools. Other than owning a house, it's basically the only other way to generate any significant amount of wealth for average person.
This thread is about feeling like we already have enough money, lol. Yes, they taught us about compound interest in school. I know I could be making more money, but I don't want more money, I want my money to just be sitting there so I don't have to worry about it. My dad is always so stressed out because he never has any money on hand, it's always tied up in stuff and he has to constantly micromanage everything. I'm sure he has more money than he would have if he wasn't doing that... but it certainly isn't the "passive" income he claims it is. It's more work than his actual job, and the stress is costing him years off his life on top of the time it already costs to manage it all.
I have enough money. More money would be a waste. I don't want to do even a fraction of what he does, it can just sit there and I can just chill. I like my life.
He’s not a passive investor then. Passive investing doesn’t require any managing. What he’s doing is not the recommended style for normal people because it’s effectively gambling.
My investing requires zero managing. I set it up once and haven’t touched it since. It automatically buys more shares each month and never sells anything. If the market crashes tomorrow, I’m not doing anything differently. It’s like automatically moving money to a savings account each month, but instead of putting it in a bank, I’m buying index funds.
Keeping large amounts of money in the bank not only isn’t making you any money, but you’re losing money you’ve spent your valuable time working for. It’s like giving back around 5% of your salary each time you get it.
Sounds good. That is a reasonable cost for the peace of mind. I would gladly spend that to gain this.