I'm sorry for your loss :( And that's always the risk of a low widthrawal rate, that you're leaving money (and enjoyment of it) on the table, of course, that's your choice, and depends on where you want the money you don't use to go, be it charities or family.

The numbers have been revised a little, closer to 4.5%, and that's still super conservative (that's the amount of money you'd need to spend to survive the worst case scenario for 30 years). With 1.5 Mil in savings, you could safely withdraw $65K/year and be safe. The average of safety is closer to 7%, which means that you only need $1M to retire (yeah, with a bit more risk). Here's a really good article that explains it: https://www.fa-mag.com/news/ch... And of course, there's also there's Bergen's book "A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More"

I'm not so sure it's ChatGPT. I think ChatGPT is much more competent at punctuation than this "author".

And I keep expecting "Workers of the world unite" in his postings.

Allow me to introduce you to my little friend. He's called "the period". He excels in breaking long run-on text into digestible units known as "sentences."

Honestly, it was the tone of the message, which is admittedly difficult to derive from a forum. IMHO, the proper response would have been one that questioned whether the 'upscale grocer' selling spareribs at $6.99/lb vs $1.49/lb were at different ends of the subjective or objective quality spectrum. In my case, they are literally the same brand: Smithfield. The only difference is that Aldi is $5+/lb less expensive.

That said, IMO, unless we're talking about a butcher that sources heritage-breed Berkshire (or the like) pork from a local farmer, I don't really give a flying fuck where the previously cheap cut of meat I'm going to put on my smoker for 6h is sourced from.

Why would I pay $6.99/lb at one of the 'upscale grocers' in town for spareribs when I can get them at Aldi for $1.49? I, too, drive a Mercedes, but it doesn't mean I'm a fucking moron w/my money.

The average employee lasts well less than a year at a fast casual; this had little to do w/her background.

https://www.fastcasual.com/blo...

I am absolutely certain many of those kids are great at writing code; what I have found in the last ~3y of hiring candidates out of undergrad and/or masters programs is that they DO NOT interview well.

They can answer esoteric technical questions about software dev (I *assume* this is because they study for coding interview questions) but they cannot possibly answer more general questions about themselves, how they would operate in a real-world business setting, and/or how they might build something from soup to nuts.

I'm not asking them to give me real-world experience; but, I expect a college graduate to be able to think about questions asked critically and provide a coherent and thoughtful reply to that question. Even if it's technically 'wrong', the conversational nature is INCREDIBLY IMPORTANT for any work I have done in my 25+ year career.

Anyone can have AI solve most esoteric technical coding problems now; interfacing ability w/others on the dev teams and the rest of the business is what is important in getting shit done.

Colleges need to start investing HEAVILY in leveling up their students in how to interview well.

"Ms. Mishra, the Purdue graduate, did not get the burrito-making gig at Chipotle."

I think this single sentence says more about it than anything else in the article.

I watch dogs (primarily overnight--most for 3-7 days but some 1 day and some >7d) via Rover. I make around $1500/month (pre-1099) and after their ~20% cut (of which most people give back to me in tips).

I WFH so the largely passive income is nice. I wouldn't have found as many people w/o a platform to do the heavy lifting for me in finding new dogs.

I am not advocating that we need to have these sorts of things in the market, but it does make for nice extra cash. YMMV.

Well,
I know about a (good no idea?) developer who had a lot of money.
He paid "online gamers" to harvest items for him in an online game.

Because he thought (and told so in public): "I love that game, and when I play it the 5h a week while I have time, I want to play it by the most potential".

Using an LLM for coding is more or less the same.

If you have to write 100 lines of code that you have clearly in your mind, and takes 3h to do right, but an LLM can spit it out in 30 seconds ... does that make you a bad coder? Using an LLM I mean? I would say your boss calls you a good coder, haha!

Focus the energy on any point of the planet - when the time is right.
And get away with it ...

How do you know? Who's checking?
Stupid question.

I am the one checking. Which was pretty clear from my previous post. /FACEPALM

What was your point?

Oh, you agree that "leaking" was tackled 100 years ago?

Because they did not run on pay check to pay check limits and/or still where able to do business without computers, or we simply do not know about them.

Again: a million dollar profit bakery which has 10 or 15 places to sell bread and 2 or 3 bakeries, with a computer crash still has the supply chain of incoming flour and other raw materials: as that was an agreed delivery contract months/years ago. So: no immediate harm. They might have some big long term customers (daily delivered) , and they just continue to deliver. Then the remaining customers are day to day passing customers.

While it seriously might be a pain ... they can continue.

And then look at the ransomware gangs: they are probably small teams ... they do not have the time to attack an absurd amount of companies, but have to do the research to find some which might pay.