She's like half English and half French, but the kind where she's American 3 generations back who's family has lived in an area that just happens to have a lot of French background.

I'm a mutt. Like 1/16th everything.

I think she has a dopamine disorder honestly. She has very few strong desires. Cats are her world though.

This post was edited by Thor123422 on Dec 11 2020 07:38pm

i've learned to cook better food at home than what can be found in most restaurants, it eliminates the need to go out so often



i'm currently looking at etfs as well to dump money into it monthly, isn't it risky to bet it all on the US?

We're in our 20s. I'm open to risk and because of the staggering difference in market caps an all market pretty much mimics the S&P 500.

If the entire US market tanks everything is going to tank. We have no reason to hold safe funds outside a safety fund of a few months and thus I have no interest in bonds, TIPS etc.

It's been well documented that there's no real point in trying to time anything when indexing and that consistently contributing indiscriminately will ultimately beat the person who does try to time it.

I also provide diversification since I'm more active and in different areas like REITS, Canadian banks, utilities, etc. In a way we're diversified but I'd call it all atleast moderate risk since its all equities.

I'll consider a more conservative approach later in life, I think 20 year olds should be accepting reasonable risk which in my opinion is s&p or sector etfs.

I'm on my phone at the gym so this is a bad explanation.

This post was edited by SBD on Dec 11 2020 07:47pm

I can cook really well. I just don't want to unless I'm doing a big meal that I'm making a project out of.

About $150,000 in debt right now, more soon going to buy another house.
I don't borrow money that isn't going to make me money.
No covid debt, i actually gained money.

This post was edited by Plaguefear on Dec 11 2020 09:03pm

well done my friend

nothing easier than doing nothing

two houses or homeliss

Research the CARES Act. They should pay you if you qualify

ya'll care about the number on the screen so much wow