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  • I’ve spent too much money on “stuff”. It’s just “stuff”. Experiences last longer.

  • Triple check your tax forms when you land a new job. I got my dream job but realized after the first tax year that they’d been deducting essentially no taxes so I had a very hefty tax bill that year. 😪

    • also if you're married and spouse goes back to work, make sure you get the withholdings correct. otherwise it's a hefty chunk you'll owe April 15th

    • I've had the opposite - they marked me down as having 2 jobs (originally started as a part timer) so I was paying way more than I needed to. Only noticed when my refund went over a grand.

  • check where your retirement and savings are invested. buy a low cost index fund (fidelity and vanguard have great ones).

    do not invest in any funds that have high fees. (there are plenty of good funds with fees around 0.1%)

    I split my savings between:

    • total domestic stock index
    • total international stock index
    • cash/money market/bonds
    • a small amount in a sector fund with higher growth potential (e. g. tech) or risky investments
  • Don't get entangled in interpersonal drama among the people you know. If someone comes to you with some petty bullshit about someone else, and you weren't there, don't take their word for it, don't repeat their story.

  • weight loss is great but as you get older building muscle and strength is just as important - especially if you are female.

  • If she says she's on birth control but you haven't seen it, dont believe her. If she pressures you not to use a condom, don't consent.

    Don't marry someone before you've known them well for a few years. Don't ignore red flags, such as them telling you that they see other people as pawns or them pressuring you to empty your 401k to put it into their financial/realestate schemes.

    If your partner doesn't treat you with kindness and respect right now, then they are never going to, no matter how many times they say they will if you would only just do this or be that - nothing will ever be good enough for that kind of person, period, full stop. And, no, they won't change, no matter how much you do, and no matter how much you love them.

    Do learn what "love bombing" is. Then find out if someone is grossly irresponsible with money or hiding a severe alcohol problem before you move in with them.

    There are a lot of people in this world who will take advantage of your kindness and naivety, if you let them, so be mindful of how people treat you and those around them before you make commitments to them.

    Not everyone is awful.

    Edit to add: don't ignore your friends or family telling you that they think your relationship is unhealthy, or that the person is mistreating you or others, or may be taking advantage of you. Even if you don't have much respect for the person telling you this, stop and listen and reflect, because red flags don't stand out to you when you're wearing rosy tinted glasses.

    • red flags don’t stand out to you when you’re wearing rosy tinted glasses.

      Nice!

    • Learned this the hard way.

      If you are in that situation, get out.

  • Be true to yourself and don't be afraid to say how you feel. That's what it means to be human; no one gets extra points for hiding it.

    Warning: This is not liscense to reject objective reality.

    Edit: would like to add that when I say objective reality I mean a shared version of history/current events; appreciation for science and the scientific theory; appreciation for the mysterious and unknown; and appreciation for basic human rights.

239 comments