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Posts
1
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399
Joined
2 yr. ago

  • I think ageism is going to be the final frontier of prejudice. I see folks who advocate for every other kind of acceptance just absolutely bash older generations and vice versa. Nothing unites us quite like our disdain for people who aren't roughly the same age as us.

    But the truth is we're all equally shitty. If some divinity snapped its fingers and swapped entire generations through time, none of us would do any better or worse than the generations whose place we were taking the place of.

    I just wish we could collectively do less finger pointing and more collaborative problem solving.

  • Well said! I agree with almost everything, except I still want algorithms. I think I'd say "free from algorithms that serve corporate interests" instead. Algorithms that help me find content I genuinely enjoy are sorely missed.

  • I think you're neglecting to factor in the opportunity cost of investing that down payment over time. Granted most people don't have the necessary discipline so I agree a mortgage is a great way to force yourself to invest and probably best for most people.

    But I'm not convinced it's going to make you wealthier in the long run vs putting all that money saved for a down payment in broad market ETFs and staying disciplined about it.

  • Yes I switched from YNAB to Actual Budget and this is the closest thing to what OP is looking for.

    That said the interface isn't as polished, there are no bank imports outside Europe, mobile apps are discontinued and reports are sorely lacking.

    But if those aren't deal breakers it has all the same core features and has been pretty solid for me.