Ideally, you set aside 3 to 6 months worth of your typical monthly spending to cover (some) emergencies and job loss, then invest everything else. 401(k) is still tax advantaged in the same way as an IRA, and you can typically do roth contributions to a 401(k) too. So there are benefits to going above your employer match.

But, you’re right that you don’t want to trap all of your money into a retirement account either. You’ll probably want to make large purchases like a car or house. In that case, you plan out a timeline and invest in less risky things depending on how far out you plan to purchase said thing.

The overall idea of “invest in index funds as much as possible” can be applied generally, but the amount that you contribute and in which types of accounts heavily depends on the individual.

I just wanted to point out that 401(k)s without employer matching are basically just IRAs with high yearly caps because it took me a few years to realize that, and I fancied myself financially literate. It can be a good idea to contribute more, so long as you don’t need the money elsewhere.

As best as you can, max out Roth IRA with an S&P 500 fund like VOO or a targeted date index fund. Also contribute to a 401(k) as much as possible.

Lol, I’m not from Germany but I seriously doubt they’d fail you in a driving test because you put the car in neutral before you start it. That’s just ridiculous.

What good does altering Harris’s position do if she doesn’t win?

They don’t ban your account, they ban your switch. If your switch is caught, it won’t be able to use any Nintendo services ever again. But your account would still work on other devices.

Email templates are ubiquitous and can easily insert names and any other variable.

I thought the real reason was that RCS was finally kicking off, but Google wasn’t exposing an RCS api to normal apps. Signal never said that was the reason, but it was the only thing that made sense at the time.

Including women??? Well I say! It’s only proper to publicly flog men. Everyone knows that!

Thanks for sharing, I’ll try it out! Absolutely ridiculous that you need to install TWO apps to restore a basic feature like hiding the navbar. But I guess we have to do whatever’s necessary to endure this corporate race to the bottom everyone seems to be highly invested in.

Edit: that workaround worked for me! Thanks again!

WARNING: This update removes the ability to hide the navbar so they can push useless AI features on you.

Ah, that makes sense. I was thinking more like a mini-m&m tube.

I’m having a hard time envisioning the flexibility required to make that work. It couldn’t have been both at the ends at the same time? Also, did this kid just get naked in front of everyone at their party? To each their own, I guess.

I’ve never used any, but the most popular “Plex request” app is Overseerr. I’ve also heard of Ombi and a quick search revealed one I’ve never heard of, Petio.

Not a documentary, not even close, but Joe Pera Talks With You.

If you want a decentralized search, set up a DHT crawler and build a db of millions of torrents in a week or two. If you want anonymity/legal protection, use a trusted VPN. I’m not sure I’d trust a random independent tor-like implementation, especially when the real tor is slow and has imperfect anonymity.

If you’re worried about unauthorized access to the physical machine, you could always just do disk-level encryption instead or store the app’s data in something like a Veracrypt virtual disk. They’d still be able to access the data if they go through your OS/user, but wouldn’t pick anything up by accessing the drive directly.

Nothing short of E2EE can truly stop someone from accessing your data if they have physical access to the server, but disk encryption would require a targeted attack to break, and no host is wasting their time targeting your meme server. I seriously doubt they’d access it even if you had no encryption at all, since if they get caught doing that they’d get in a heap of legal trouble and lose a ton of business.

Blasphemy, this would require lifting your hands from the home row for longer than 10ms.

Easy, don’t run any commands you don’t intend on seeing through.

Marijuana grows in nature and you just need to dry it out and light it on fire.

Is each instance like another person with a server?

Yes.

Could that person just shut it down whenever they wanted to?

Yes.

Are there any companies that have invested in hosting Lemmy/ other fediverse servers?

Idk, they’d be very niche.

Sorry I’m sure I messed up some of the terminology, I hope my questions make sense!

Nah, you pretty much nailed it.

Lemmy, and a lot of the fediverse, functions very similarly to email. Gmail can send emails to Proton even though they’re hosted by two completely separate companies. A post/comment/vote/interaction is like an email in that a copy of every interaction is sent to every federated instance, like emails sent to recipients. This creates a lot of redundancy and traffic between instances, which has its pros and cons.