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Notes -
I've been... lazy in that regard. Far too much money in my account that's not accruing interest. But yes, that's a factor. I also earn an OOM more than I did back India, which definitely helps. If I was less lazy, I'd have put most of my money in the S&P500 by now, but I've already put myself in a much better place than if I'd been complacent about things.
I don't expect that this will necessarily make me rich in relative terms, I'm starting too low, too late. But I want enough of a safety net to survive in comfort for the (potential) period of unemployment when AI eats my profession whole, before we implement solutions such as UBI. Not starving, not dying in a riot, all of that is important to me.
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