Yes agree. Drunk driving is bad but bad driving is also bad. Driving in general is also kind of bad. Focusing on the DUI isn’t really the solution.

Everyone complaining or saying leave but nobody talking about alternatives that solve some of the problems. Mastodon exists. Nostr exists. BlueSky kind of exists.

I guess you must know more about law than Biden did 2 years ago when he publically talked about probably not having the authority: https://www.politico.com/news/2021/02/17/student-loan-forgiveness-biden-469677

It’s nowhere near that straightforward. And for a third time, if it was the intent of Congress, now would be the time for them to clarify that with direct legislation. But they are not.

I think it’s disingenuous to make it sound that simple.

If Congress supported forgiveness, we wouldn’t be having this discussion. Whether they had implicitly given that power to the executive with previous legislation is controversial, thus the SCOTUS case. But it’s not like SCOTUS was the first to question it. Pelosi and even Biden had previously stated it was not an executive power.

Again, it could be easily settled now by the legislature if they supported it, but they do not.

Interesting you say SCOTUS legislating from the bench in this case. Deferment and forgiveness were both “legislated” from the White House. Seems the only party not legislating here is the legislature.

+1 for this system. I do the same and it makes day-to-day spending guilt free and simple. A few times I have run #2 dry and had to eat beans for a few days, but I’ve gotten better.

25% US Large Cap

25% US Mid

25% US Small Cap

25% International

No bonds. Will reconsider at age 40.

Tax strategy - Traditional is more focused in Large and Mid. Small and Intl (higher expected returns) go in Roth.

I think you’re okay either way but personally if I have an emergency fund and no higher interest debt, I’m paying that off for sure. Even if I lost a couple bucks, worth it for peace of mind.

Would be different if the debt was a mortgage at 3%, which many people do have right now.

Edit: One note for folks doing similar math, don’t forget interest and yield on bonds are taxed as ordinary income (20~30% in the US).

It would be trivially easy to add privacy any number of ways if they didn’t insist on tracking the users and logging that info.

They could even track it and just not make it available by web. Or require 2FA. Not exactly a nation-state level attack being described here.

People have just become accustomed to not caring about privacy and so that’s what we get.

Every city had a fine system using cash/coins or cards you could fund at a kiosk by cash coin or card. Those cards were anonymous.

Now everyone has to be fancy and link credit cards and phones to accounts for every activity of daily life.