I don’t know if it’s even possible anymore (heck it’s hard for me at 40), but try to put something in retirement funds. If your work as a 401k, try and contribute. If you leave the job, your money can then go to an IRA. How do you do that? Beats me - I have five or six requirement accounts, each topping out at around between $2-5k.
Also, brush your teeth and if you grind them in your sleep - get a dentist to fit you for a mouth guard.
Edit: wow, down votes for teeth health.
Edit edit: reading comprehension isn’t my strong suite.
It’s because you fucked up the assignment. Under 30 give advice, over 30 receive advice.
I mean, even without straight up saying his age, the advice is boomer-coded. I’m not even saying it’s bad advice. But it’s not relevant to the title of the post.
I’ve “rolled” a couple 401ks into a Vanguard account. Just set up a Vanguard traditional IRA (or Fidelity is good too) and follow their instructions. In both my cases my old 401k admin sent me a check and I forwarded it to Vanguard within a certain time frame. If you don’t know what fund to choose just pick “Vanguard Target Retirement XX” for whatever year you turn retirement age (Fidelity has equivalents).
The reason I say Vanguard or Fidelity is because they have rock bottom fees and also they are huge so they’ve worked this out with basically everyone.
Be younger.
Middle class people often think that they’re barely getting by but forget that they live larger and more luxurious than necessary.
I’ve seen this play out first hand with people gradually climbing up the socioeconomic ladder as they reach middle age. They forget how things were at the lower middle class compared to the upper middle or even proper upper class.
It gets hard to talk about these days with the social media bullshit muddying up discourse. Because people start seeing red at the mere idea of broaching this topic.
People also have no idea what classes mean. Someone making 40k per year and someone making 400k per year will both say they are middle class. And both would be wrong.
They will both agree to broad idea that “rich bad” and “middle class is struggling”. Their relative suffering is what they both agree on even though they’re different.
If the 40k person saw how the 400k person lives in real life, they would be rolling out the guillotine for the 400k dude. But without proper context online that 40k person will go to bat for the 400k person if anyone brings up the topic of lifestyle.
The further up the scale the more luxury there is. However people work with more binary thinking. So it’s easier to point at the dudes making 1000k or more. The territory of more unfathomable weath. Really there’s a lot of excess going on way before we reach the multi-millionaire to billionaire strata.
Yeah but the theft of wealth from the middle class doesn’t become false because a few people live it large.
In fact, middle class is always encouraged to live it large by 24X7 marketing by corporations.
Of course middle class people get stolen from, but they often use their job as an excuse not to organise which is lame imo because I know a lot of people who have it worse and put in way more effort in community building
Fuckin A man. I entered middle class briefly, for the first time in my life, by landing a coding job at six figures.
I let myself get warped, ethically, by my desire not slip below that line again, back into struggle.
But, fortunately for me, stepping away from the right path sapped my energy and I failed at the job and got fired. During the time I had that job my health suffered.
Now I realized that, at least for me, the only way I can rise sustainably is if I stay in accordance with my conscience. And the way it hurt my health, it made me realize it’s actually the right move to sacrifice the money to the conscience. The good feeling is better than anything money can buy.
I know it sounds cheesy, but it’s real for me. And honestly I feel fortunate to be weak enough that I can’t really operate in the world without that extra dopamine kick from my conscience. Like my discipline and focus aren’t great, and things fall apart when I start breaking promises and making bad ones and doing sloppy work for bad reasons, etc.
Just because a comment contains a criticism of X group doesn’t mean it’s a condemnation of the group and thereby a repudiation of all their grievances.
My point is that people don’t want to discuss the real problem of the perverted capitalist discourse.
Its a shame that a middle class person who wants to use their extra income for joy is instead told to work hard and save money for half a century and die early without experiencing any kind of joy or reward for their hard work.
Sometimes you have to live a little. You aren’t getting your good health back.
I’m in a weird spot here at 30 years old, but let’s see…
My advice to younger people would be to take care of their mental health, and to do it via scientific practices.
For example, cognitive behavioral therapy has enough evidence of it working; therapy through spirits, don’t. Medication can be necessary and its effectiveness is proven; that’s not the case for extreme diets.
Also, philosophical counseling is a thing and it is good, but just like psychotherapy, it may not be enough. Sometimes we are dealing with mental disorders that require pharmacological treatment. Conversely, psychiatry and medication are there for people who need it, but sometimes we don’t need it and we need better habits, better environment, counseling, etc. It is usually a combination of many things the way we can start feeling better.
I’ll still read the advice from others because, well, I’m sure I can learn a lot from them.
Edit: I thought it was the other way around. Oh, well, it still applies. I wish my parents and other people their age would give mental health treatments a try.
Use Monero
Haha. It’s an inside joke from the person who made this post. OP is, i believe, a Bitcoin guy who has interacted with the Monero community
Since you asked, Monero is a privacy-focused cryptocurrency. You can buy some cool stuff online with it, like 1 month VPN access from Mullvad, using https://xmrbazaar.com which is an eBay like site which accepts monero, and VPS and domain names through njal.la
Definitely a pretty niche thing but it’s a growing community. We don’t show up much on the internet because of the privacy-focused thing; we don’t really frequent twitter, etc, although some do.
It is the choice of criminals especially drug trade because it is privacy focused and removes the need to transport a lot of money over borders
