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Joined 11 months ago
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Cake day: March 7th, 2025

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  • Trading stocks is probably the worst investment strategy any normal person with a market-unrelated job and life responsibilities could pursue, with almost guaranteed losses in the long term. Good on you for identifying the high risk early in life- never forget it. That being said, there’s very strong arguments for investing in stocks, but do it the boring way: large blended ETFs with a low expense ratio (like VTI, VTV, VOO, VXUS, or the Boglehead favorite: VT) or mutual funds. Don’t “trade,” buy and hold and try to forget you even have a brokerage account housing those blended, diversified funds. Try to use tax-advantaged vehicles as much as possible, like a Roth IRA or a Roth option in a 401k. Your mortgage APR is what? 4-7%? The market should definitely outperform that in the long term, and you can reduce your exposure to acute transient shifts even more by dollar cost averaging into your savings. I’m all for paying off debt as quickly as possible, for the psychological benefit, but there’s also the rate race of your investment’s probable APY vs your debt’s APR.












  • Why We Sleep by Dr. Matthew Walker.

    Fascinating book all about what sleep is and the reasons every living thing on earth does/needs it in some way or another.

    Gut by Guilia Enders.

    Intriguing journey from mouth to anus, showcasing the functions performed to sustain life by some of the body’s most underrated organs. Also discusses some of the most common ailments and their effects (but also causes, and in some cases their treatments/cures).

    Immune by Philipp Dettmer.

    A wonderful introduction to how the body’s immune system performs its job…or doesn’t, in some unfortunate circumstances.

    All three books are written for the lay person who wants/needs an accessible introduction to these complex systems affecting health and well-being.