Basic, modern human needs such as housing, healthcare, education, nutrition, utilities (electricity, internet, water & sewage), and transportation should never be a means of profit. As with everything, there is a cost to maintaining these systems and to profit off of them inherently means diverting resources away from these systems that serve our society into the pocket of an individual.

An index that either tracks the top 500 companies or the total market. Look up a 3-fund portfolio if you want to go a little deeper.

Alternatively, max out an IRA if you haven’t already this year and are in a position where you won’t need that money until retirement.

Edit: I realized I’m assuming a lot about your situation. So instead, here’s a general list of priorities that applies to more or less any situation. You should only proceed with a step if all the steps above it are achieved. Also keep in mind, I’m not a financial advisor just a random stranger on the internet sharing my personal financial strategy.

1. Pay your future-self first. Establish regular contributions to your retirement account and HSA if you have one, totalling between 3-5% of your compensation or whatever your company’s matching policy is (That’s not free money, it’s part of your compensation package. Not claiming it is like waving a portion of your income).

2. Pay off all debt since interest is essentially paying a percentage-based monthly fee for owing money and we’re not privileged enough for our assets to cover that expense.

3. Build and maintain a liquid (cash) holding as an emergency fund. This isn’t for investing or expensive new toys, it’s insurance that will cover your expenses for 6-12 months. Put it in a high-yield savings account or money market since it will be a significant sum and inflation will otherwise reduce its value over time.

4. Max out your retirement accounts to the contribution limit, your 401(k), IRA, and HSA if you have one. These accounts have tax advantages that essentially mean you can put more money towards retirement than you could in an individual trading account. This doesn’t have to be one lump sum, you can divide it up into monthly contributions so long as you’re on track for maxing your contribution limits by the end of the year.

5. Open an individual trading account with a broker (Vanguard, Fidelity, etc.) and invest in index funds (3-fund portfolios are reliable and low-cost). If you anticipate a significant expense over the next 10 years, i.e. a down payment for a house you can budget between this and the funds going towards Step 4 but keep in mind the tax advantages of retirement accounts means you’re likely missing out on some retirement gains.

Obligatory fuck Nintendo!

TilTok likely got my car stolen (Hyundai vulnerability trended on TikTok)

THE RAPTURE WILL HAPP^EN

Stickers put on products by manufacturers or retailers must either be on the product packaging or be made with the material that leaves no residue behind when peeled off.

You seem to assume I’m arguing in favor of vegan cats.

Whether or not a cat can thrive on a vegan diet is irrelevant to me as I don’t own a cat nor do I advise people on how to feed their cats. However, I do have a bias (as we all do) that tells me there is likely more nuance (which you did allude to in your original reply) than the general absolutist sentiment against the idea.

That bias is informed by half-a-lifetime of experience maintaining a loosely plant-based diet myself and witnessing first-hand the fierce compulsion people have to push their uneducated opinions at the mere mention of a plant-based diet. In my experience, there are few other things that can so reliably stir people into a vitriolic frenzy than the suggestion of a plant-based diet.

And to back up that bias, I now have my first negative comment after almost a year on Lemmy :⁠-⁠)

Frankly, you may as well be pulling all that out of your ass since the information you just provided is as good as useless without any reliable sources backing it up (and don’t bother providing any, I’m not here to educate myself on cat diet requirements. If I cared, I would ask a qualified professional not a Lemmy user).

I’m just calling out the hypocrisy in this whole controversy. People do a quick Google search, read “obligate carnivore” in the title of some document and act as if they’ve got a college degree on the subject.

Who knew that so many Lemmy users were experts in the science of dietary nutrition?

We need more people like you! Thanks for helping us move forward.

I’m jealous! I’d love to do all those things to my house. Unfortunately, I’m priced out of homeownership in my area. So I rent and all the money I’d otherwise be spending on climate-friendly upgrades are instead financing my landlord’s wealth accumulation.

I never really thought about how brown sugar used to just be less refined white sugar…

I genuinely feel sorry for the countries that have Pizza Hut but not Taco Bell

Lol, as a programmer who uses generative AI myself, I would genuinely love to see them try.

It’s without a doubt motivated by their own loss of revenue but a consumer friendly take is still commendable

I think you run into the same problem with airports though. Regional airports in smaller cities are often prohibitively expensive to fly in and out of. When I fly home, I fly to the nearest major metropolitan area and then drive two and a half hours to my destination rather than pay hundreds more to fly to my hometown’s regional airport. That doesn’t sound much different from the problem you’re describing with a high speed rail network.

The cost of high speed rail travel will come down with increased utilization since the scale of cost for adding extra seats is a lot flatter than it is for air travel. Travel times by land are always going to be longer than by air but there’s plenty of room to optimize the systems we currently have.

Beyond that, convenience and sustainability are diametrically opposed and if we want to continue to live in symbiosis with our environment then we’re going to have to make some sacrifices to the convenience we now take for granted and that is directly harming our environment.

That’s fair, and please note that I mentioned air travel has its place in intercontinental travel in my previous comment. The whole point I’m trying to make is that domestic flights between areas that could support high speed land travel infrastructure are wasteful.

Also trains in the US suck. Much slower, and almost comparable in price to air travel.

It doesn’t have to be that way, many other countries have solved those issues. But because we’ve leaned so heavily on air travel to get us to places only a few hours away by land there hasn’t been any incentive to innovate or invest in other forms of long-distance mass transit.

Are you saying a high speed train to your destination wouldn’t also solve that problem? It would likely end up being cheaper to travel via rail considering the lower costs of maintenance and fuel, meaning further accessibility than we have today with our dependence on air travel.

I’m not so sure that is a positive. Airplanes are huge emission drivers and our dependence on the convenience of air travel has caused us to cease investment and innovation in other more efficient and environmentally friendly methods of travel.

No doubt there’d be a lot more support for high speed rails if airplanes weren’t as accessible. IMO airplanes should only really be used for intercontinental travel.