I think Californians do, a lot of time, retire with a higher net worth. But most of them do that because they’re more relatively house-poor during their lives - they take out larger mortgages, and save more into their net worth.

As opposed to Texans, who have higher disposable income since they have smaller house payments. It’s less incentive to save so they may spend more.

So that’s a partial advantage to California - the expensive homes force a higher savings rate, naturally.

But, at retirement age, a lot of their net worth is tied up in their home. So to unlock a lot of those savings they need to move to a lower cost of living state like Arizona, Nevada, Florida, etc.

While the Texans can just stay in their paid-off house.

So yeah it’s just different.

Texans are just paying off their home throughout their life and staying in it. They have larger disposable income to go towards other stuff (kids, lifestyle) while Californians gotta pay that mortgage

This is true for California, where people (foolishly) rely on their home value as their retirement plan, which further incentivizes NIMBYism.

But in places like Texas (and other areas with affordable housing), the house is just treated as something you pay off to have a low housing cost in retirement. And your investments are your retirement+savings account.

like to just get a short response - for simple things like "what's a nm and grep command to find this symbol in these 3 folders". I use gemini alot for this type of thing already

Or would that have to be a custom prompt I write?

Like give me a break. The previous admin took steps towards censoring real information that would be politically harmful to them, and now we're supposed to feel bad about the current admin who is taking productive steps against antagonist agents within our country?

I get that the law in this country is pliable and a nuanced subject but I'd rather deal with the latter issue - where our government is challenging the boundaries of the 1st amendment against our own enemies rather than their own people lol

It ended up looking like a simulated workbench with low-detail models of CAD parts that needed to be assembled - it was pretty cool. Engineering companies are very ready for this technology.