I used to never wear a helmet when commuting to school etc. but since I started mountain biking getting one seemed like a no-brainer and now it’s like putting on my seatbelt. Riding without a helmet feels wildly irresponsible and I even put it on when doing a test-drive around the block after having done some maintenance.

It’s okay to talk to women if you’re a male model but stay the fuck away if you aren’t. Got it.

I wouldn’t be a fan of a nazi or islamist instance either. One for communists is hardly any different as far I’m concerned. They’re all groups of extremists that I don’t want anything to do with. Just look at the modlog of this instance for example. Exhibit B is the fact that this message will get deleted in couple hours and I’ll likely be banned.

I’m saying that when crises come up, the indexes should rebalance before those crises flush our savings, rather than 3 months later.

I don’t even know what that means. Market crashes don’t flush anyone’s savings. You only lose money if you start selling when they’re going down. You don’t. You just hold and wait untill it comes back up again. It has always came back up again no matter how deep it dips.

When you hear stories about people losing their savings during market crashes it’s either people who got nervous watching the value of their investments going down and they started selling at a loss or they were invested into individual companies that went bankrupt.

React? You’re not supposed to react, that’s how you lose money. When the next crisis hits it just means I get more for the same price.

infinite 7-9 percent stock market growth, but the modern market crashes every decade or so now.

My savings into index funds has seen an average growth of 9% a year for the past three years. 11% since the start of this year. Granted I jumped in at the bottom of the corona dip.