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Joined 1 year ago
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Cake day: June 5th, 2023

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  • with the recent ability for kids to convert to a Roth IRA up to $35k with no penalties if they don’t use the funds, has that become the new golden number?

    Unless your kids are getting close to college right now, I would not put much faith in any specific program being present in the future. Those sorts of deals tend to come and go with the political tide.

    Personally I put less and less emphasis on colleges with each passing year of life. Unless your child has aspirations to be a mover shaker or aims for a highly specialized field, just about any accredited bachelor’s degree in the right field will work for them, ergo a cheap online/community college will get the job done, and possibly also fast if they’re a strong student.

    I’d put a modest sum in, perhaps around your number, and then subsidize each child based on their goals. You might nurture a child with strong entrepreneurial aspirations, in which case that 529 is probably not going to help them, whereas 30k in seed money could set them up for great success.

    Teaching and nurturing a child early on in life will pay far greater dividends than a college fund ever will in any case. Giving them the tools to advance spectacularly and have a drive to achieve their goals is going to make any other obstacle surmountable.


    • Factorio

    • Deep Rock Galactic (lower difficulties)

    • Risk of Rain 2

    • OSRS (stay tf away from the general community, skill n’ chill)

    Games I used to play more for that comfy feel

    • Minecraft (discovering cool new things in overhaul mods is just neat, probably need to figure out how to get my account back after the Microsoft stuff)

    • TF2 Community Servers of the hyper casual variety, running in circles all day shootin’ dudes is just fun.









  • At least for utilities you can reframe it as paying for parcels of utility, and then consuming them, like you do for food. Middleman bullshit like cloud services that refuse to let you just self-host can screw off. Having to spend money to spend extra resources to deal with a 3rd party is obnoxious, doubly so when they just decide they don’t want to support it anymore and pull the plug.