avguser

3

The blood of the covenant is thicker than the water of the womb.

I'm currently in the process of building my first mechanical keyboard. I have a Lily58 mostly assembled, in the troubleshooting steps now. It's been a fun project so far.

Yes

Whether or not nap happens, maybe.

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From Wikipedia:

"Neckbeard" is a pejorative term and stereotype for an adult man or teenage boy who exhibits characteristics such as social awkwardness, underachievement, or pretentiousness.

And incels are described as:

An online community of young men who consider themselves unable to attract women sexually, typically associated with views that are hostile toward women and men who are sexually active.

Certainly not related communities but could conceivably overlap. Not surprising that a lot of Internet trolls fall into one of those categories.

Wind shear weakened the strength of the hurricane, but increased the likelihood of tornadoes.

Since I left college and started out into the "adult world", I've always spent less than I made, the rest going to savings or investments toward retirement. I accomplish this by "paying myself first". If I have already saved the money as my first priority, I can't spend it on things like rent or groceries. So my financial choices are forced to be more conservative by design.

Example: I forget what the max limit to IRAs were at the time (say $5k/yr) but for my first job I set up auto contributions each month and mentally took a $5k/yr salary "cut" for that job. Every time I got a raise, I made sure that at least a portion of that raise went to increasing my savings rate and attempted to avoid lifestyle creep.

Thanks to my savings, I've been able to handle some emergencies in cash vs having to utilize debt to cover the expenses. It really is a snowball. I started out small, now my savings is significant compared to my income.

I attribute a lot of my "pay yourself first" approach to reading The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich early on.

It was refreshing to have a civil debate without yelling and name calling. Compared to the previous debate it's night and day.

Dih-toe

Dave Ramsey got famous for teaching an educational series and books focused on getting financially illiterate folks out of debt and onto a path of relative financial security using his "baby steps." While not bad advice per se, he's not regarded as an expert if you are already able to self regulate your finances. It gives folks a decent starting point and some reasonable first principles, but he should not be considered to be the gospel of financial advice.