I mean both my pay and rent go up by about 3% each year, barring some position change, but 3% of a 100K salary is $3000 more a year. 3% of a 650/mo rent like I pay is $230 more a year. So not even 10% of my raise is eaten by the rent increase.

I have paid about 90K in rent now over the last 15 years and this also includes water and heat.

My friends with houses in my area pay about that much in property taxes plus heat that I pay for rent...

I pay this small amount and make 6 figures and I put the majority of my income into index funds. I am fairly sure that I am coming out way ahead of a house. Plus how do you put a value on the time sink for maintenance and upkeep? Mowing, shoveling, etc.

I pay them on the portal and if something needs fixing I put in a maintenance request and they get it fixed. That's all i've ever thought about with them.

Also yes they replaced the dish washer and refrigerator with new ones before they broke or died while I've been there.

I see no positive outcome for using it as a student where your whole existence is to learn the material yourself.

I play pickleball 10h a week and absolutely love the time spent playing. So there is no wasted time here. I spend all my exercise time doing something fun that I love doing, and it improves my health outcomes at the same time.

What I like about a credit card are things like you are buying on credit, not using money in your account directly. So in the case of fraud or issue a chargeback it's been much easier to get credit card transactions reverted rather than get money put back into my debit account.

Also I like credit cards for the rewards, cash back or especially travel points. But also things like extended warranty coverage and other perks.

Using AI to write my software just takes all the fun out of it for me.

It feels like just reading a summary or recap instead of reading the actual full novel myself. Like it defeats the whole purpose of it. I write software because it's fun and it stimulates my mind and teaches me things and improves my skills.

There is also a healthy side to social media, but not really a healthy side to smoking.

Social media helps me make and keep in touch with friends. I have not found any negatives personally. My feeds are pretty much just posts from friends. I have removed everything else by now.

I mean, do you have any evidence that the brain is irreversibly damaged by social media? I have not seen any, but I have seen evidence that there is permanent cell damage from smoking.