Had to deal with the bug where macOS does not login even with the correct password even on reinstall last year on several M1 macs. Frustrating to say the least!

Apple should not be able to control logon/pw of local system at all, especially if they can’t get it right!

-BTC and all cryptocurrencies are banned in the United States -The [low paid] labor shortage continues -Build back better (BBB) doesn't get passed -Roe v. Wade is overturned, resulting in abortion being banned in >1/2 the USA -

Lex Friedman podcast was by far the best This year followed by Freakanomics.

Exactly. Don’t ask about it or collect it. Yes race existed but it should but be the detriment of anything else.

The federal estate tax exemption is still high, but state estate taxes are much lower, like a million to a million and a half. Anyone who has a decent 401k + house will have that on the east/west coasts. I had to help my folks make a trust so we don’t get double estate taxation last summer.

You can still get ACA subsidies if you fall within the income level it's not means tested, they absolutely designed it this way to be gamed. Also qualified distributions from a ROTH IRA are not considered part of modified adjusted gross income.

So do your mega-backdoor ROTH conversion and take out of that and it doesn't count against the insurance-company subsidy.

The subsidies don't help with copays, deductibles, and co-insurance, right? Those can run into the five figures even on a "silver" plan, in a bad year. If someone on the plan gets cancer, congrats, now every year is a bad year.

that's partially true, but... 'retiring' on $100k year is still potentially disastrous if you have a major health issue.

Sure, yeah. My point is mainly that expenses for early retirement in the US have the potential to vary a lot compared to... well, basically any other OECD state, really, mostly due to healthcare. This makes the lower bound for a reasonably-safe early retirement quite a bit higher, such that merely generating enough safe-withdrawal income to live on in a good year isn't enough, even if the markets do exactly as well as you're counting on and that income's steady.

Get done with college at 22, work 7 years and retire at the age of 29. This is not impossible. Just most people don't want to do it, but it's totally available.

And "don't have kids". Children are a huge time & money suck. Not saying they don't have their rewards too, because they do, but they are also a huge cost.

You will be lucky to earn US$1000/day fresh out of college.

$12000 saved per month for seven years in the stock market S&P500 FZROX or VTSAX will give you ballpark 1-1.5MM inflation-adjusted (10% return yoy - 2% inflation) this is average tho, results could be much higher/lower...

This of course isn't going to be enough anymore due to the US housing market in big cities, but could be enough if you work remote and live in a smaller town or something. We could also have inflation problems, 6% cpi hike is a lot.

So you’re saying that is a gigantic target for China and Russia to go after lol. It would mean some change for the which might not be bad but that’s kinda like arguing for terrorism, which would be illegal and actually have enforcement behind it.

No, it's far too large and undivisive a target for China or Russia. They're both too smart for that. They fuck shit up in ways that are partisan and divisive.

This is more of an NK/non-state-actor "burn it all down" move.

I’d use a Lenovo t400 or t60 laptop that is fully repairable and also pretty durable. Hook that up to a ham radio data network and you’re in business.