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Joined 1 year ago
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Cake day: June 30th, 2023

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  • If you’re under 30, full-time job, no looming debts, no kids, then the 6 months can really be 3 months or around $10,000. If you have a partner, you are even more secure. Remember this is a figure derived from very conservative financial commentators who assume you have a linear college and job progression (which is rarely the case). Even a 1 month savings buffer will save you for 90% of the unexpected expenses.

    If you’re in your late 50s, finding a new job will be tough, especially if you are laid off during a recession. In that case a generous buffer beyond 6 months would be good.

    Either way, having savings is a good thing. Yes you will miss out on those “epic Bitcoin gains”, but once you have made an emergency savings buffer, then you can really knuckle down on contributions to retirement.


  • I live in a small unit that had dusty ultra-compacted dirt around the house that was called a lawn. I broke the soil with a hoe, threw a few bags of soil mix down and planted some moss I harvested growing wild down the laneway. 2 years later the ground is mostly covered in a spongey moss. Give it a few more years it’ll be completely covered and thick.

    It requires virtually no mowing and needs little water. Apparently growing moss is even good for air and ground water purification. Not sure how much purifying it’s doing but it’s good to know I’m doing my little part.

    If you have a small yard, grow moss.




  • I haven’t watched TV in years. I have a tv, but it’s only hooked up to the gaming consoles.

    The referendum last year? I didn’t see any ads, I just read ABC news every few days to see what was up. That $200 million dollar lottery? Never heard anything about it. “Did you hear about the car crash on the…?”, nope.

    On YouTube I’d rather donate directly to the creators I like, and I feel I’m really apart of that niche community.

    I think about the old family radio that everyone sat around, and then the tv that everyone sat around, and now people can kinda sit around watching their own thing, and (hopefully) chat share about their interests.

    I don’t think free to air will be around in 10 years. It’s up to the advertisers.


  • That’s a great question. What I would say is the wheels of justice turn painfully slowly.

    I am sure Antony Blinken is well aware of domestic concerns over the wellbeing of Gazans, the unfortunate reality is any big decision against or at Israel will come with negative consequences.

    The path of least resistance might be allowing the Israeli’s to squeeze out their own leader democratically. Is that the best way? Well, probably? Not always?

    A pacifist may look to the Vietnam War, Libya or Iran and say action was injustice, an activist might look at the Rwandan Genocide and say pacifism was injustice. Diplomacy has to do it’s thing.




  • Yep. I bet my landlord is barely, if it all, breaking even on yield. Whereas I’m sitting on my arse investing in ASX: VAS getting 12%.

    Why people go the lengths to get a loan, buy a flat, find a tenant, do all the maintenance and paperwork, all to get 0.1% yeild, and maybe an increase in value? I mean the last 30 years yes it would be wise, but you can’t just say it’ll be like that in the future.

    Also, if I need the equity, it’s liquid, unlike houses.