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Joined 1 year ago
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Cake day: July 9th, 2023

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  • What people misunderstand about the tax brackets is that your entire income doesn’t get moved to a higher bracket. It’s only the income in excess of it.

    So for example, let’s say you had $50,000 of taxable income in 2024 as a single filer, you’d pay 10% on that first $11,600 and 12% on the chunk of income between $11,601 and $47,150. Then you’d pay 22% on the remaining $2,850 that falls into the next tax bracket. The total bill would be about $6,053 — about 12% of your taxable income — even though your highest bracket is 22%. And this example doesn’t take into account the standard deduction.

    Bottom line, this won’t save people as much as they think it will. Usually the person in the example simply complains “I’m paying 22%” because it always feels like the paycheck isn’t enough.




  • It sounds like you might not be ready for behavioral therapy just yet, especially in a group setting. Behavioral therapy, IMO, is sort of the last step in the process, where you already know what you’re doing wrong and are just trying to correct your behavior.

    Before all that, you may need a period of validation. CBT is extra hard for people who have been invalidated their whole lives. You may need to figure out which of your behaviors are “you” and which are just maladaptive coping mechanisms. You need to be able to identify your emotions for CBT to work. It sounds like you don’t have the time/space to really feel and explore the emotions that are coming up in these group sessions.

    I would ask the session leader if you could do some one-on-one sessions before going back to the group. Everyone’s different, and if it feels like this isn’t working for you it’s ok to step back and take a different approach.



  • I understand wanting to protest, but what could it possibly accomplish? If you are protesting the incoming administration, they’re certainly not going to care. If you’re protesting the current administration, there’s nothing they can do. If you’re protesting the people who didn’t vote, I’m pretty sure they already know we’re mad at them. As of yet there’s no evidence of outright cheating (if it turns out there is, that would be a better time to protest). But protesting just because you don’t like the results of a race is a bit like throwing a tantrum.








  • Corps have been complaining for years already that people aren’t buying enough. Millenials are killing this industry and that industry because we don’t consume enough - “enough” being whatever level they’ve decided we should consume. They feel entitled to our dollars, whether or not their product or service is any good.

    If they were smart, companies would lower prices to be more competitive and incentivize people to buy more. Instead they’ve doubled down and posted armed guards at the store exits to intimidate the customers they have left. They’ve slipped data collection into every interaction. It’s pretty obvious they’re not playing the long game anymore.



  • There’s a bit of a sugar replacement movement, which isn’t necessarily healthier. Most of the sugar replacements have been linked with stuff like dementia if consumed regularly for a long period. And most of them taste a bit off. The other part of the problem is that when you eat something sweet, your body expects sugar. When it doesn’t get the sugar it’s expecting, it will feel like you are still hungry even though you just ate something.





  • At 1.2 million, it’s overpriced. They’ve likely priced it that way because it’s now an Airbnb - “look at all the income you’ll make by buying this property!” But what really changed in the two years they owned it? Did they remodel the whole place? Possibly, but probably not enough to warrant adding $550k to the price. This house is now an investment, not a place to live.

    I have noticed a particular attitude with a lot of sellers, though. They think because other sellers have been having great windfalls that they can just list for any high amount and it’ll work for them too. Those are the ones that sit, and they’re usually priced at 1m or more.

    The homes flying off the shelves, so to speak, are the starter homes. You have both younger and older generations fighting for the same small affordable homes, and developers generally aren’t building as many of those.