A weekly thread to discuss financial matters - from personal all the way up to global.
Ground Rules
- Remember that we're all just Internet randos. Don't bet your life savings on a hot tip from this thread.
- Keep culture war in the culture war thread. Yes, global events may impact our personal finances, but that does not mean we have to incessantly harp on culture war aspects here. If you are going to discuss it, please stick to the practical impacts of it on an individual level.
- Be kind. Remember that everyone here comes from different circumstances. We all have different resources available and different risk tolerances.
- Don't let the perfect be the enemy of the good. Better is better. Celebrate people when they take a step up and work to move their finances in the right direction. Don't flame out because they haven't followed what you consider the optimal path. Everybody has to start somewhere.

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Notes -
Honest question - what's your number to retire today? Because for me a least, $4 million is fuck you money. Do you really need more?
I'm already semi-retired in the sense that the business I run has stopped accepting new projects, at least temporarily and possibly permanently. The other wrinkle is that I am engaged and my fiancee is from a wealthy family so she may end up being on the high-maintenance side of things. But anyway, my question is more about making the most of the big changes which seem to be on the horizon as opposed to budgeting for retirement.
I'm pretty confident that absent some doom type scenario, we'll all end up collecting UBI. My concern is that there is going to end up being some kind of permanent or semi-permanent aristocracy. Which would kind of suck, but if there's going to be an aristocracy, I think I'd rather be one of the aristocrats.
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