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What'd I do this time? Is it because of my digital blackface avatar?

We started with Edward Jones back in like 2005 or so using my deployment money to open IRA's. It wasn't until about 2014 when I finally got serious about saving that we dumped them. On the plus side, it wasn't a ton of money (something like $80k by the time we left). On the minus though, that...

For the early retirement community, they divide up the timeline into 3 phases. You're in the exciting new phase where all the information is new and you want to consume it all and invest your ass off. The majority of it is known as the "boring middle." You've basically read the same variation...

Assets Under Management. All of the assets he's managing for you. If that's $200,000, he's earing 0.5% of all of the assets ($1,000). Every year.

I really like the JLCollins stock series. It's a good read for the whole thing, but it'll take some time to get through it all (he made the whole thing a book, but it's still free in web format). Here's his response to international Stocks — Part XI: International Funds tldr: The biggest...

This is the big thing people get caught up in, and @Foler seems to be a little too as he gets excited about this and wants to fiddle. It's not complicated. At all. Your brain has a hard time accepting that, though. It says, "well there are all these people in finance, there's got to be some...

"In the passenger seat was a charcoal briquette." What the fuck?

Got my scholar wrapped up and my Blackstar awakening (figure I'll convert the one I had to Godr and use this just for hammers). Went 0/2 on it. Also went 0/5 on the mythical centers. Think I'm at 17 failstacks for that. So for all that shit they gave us, I'm exactly where I started. Fun game.

Pretty much my problem with the last John Wick movie. Probably the 3rd as well. How many fucking assassins are there? And how is there so much work for them when they're clearly so shit at it.

Saved myself 2 hours and 8 minutes.

If you never grind ever, probably look up which of your three sells for the most and replace that. But otherwise, replace main weapon first for succession. I completely missed that they changed Tuvala to be even easier. I don't know why they even bother at this point, just give people it at...

I'm only a minute into it, but I was eating and when Rich said "what about the director of that Dungeons & Dragons movie" I spit food everywhere. I don't normally spit take it, but for some reason that one killed me.

This is fucking infuriating to watch. I think I've watched one or two other videos of his, but this bitch...I don't think I could sit in the same room with her without choking her to death.

That seems terrible? Although, I guess it depends on the scaling. 10% of 99 is like 30 million exp. Which is about half a level in the 70's. But I guess if the mobs are like level 90, maybe it gives a bonus?

How do you find a 5 way carry? How much do they cost? And can I survive it?

What's the best way to go about leveling a 2nd character after the campaign? I'm at 75 and I really want those points.

The markets have averaged 10% with data from the Great Depression, WWI and WWII, 70's stagflation, the dotcom crash, 2008 Recession, and covid. There's a reason I predicted 28% for this year.

Vegas Vacation is a good movie. I imagine this is more like the Vacation "remake" with Ed Helms as Rusty. That thing was an abomination.

I still like total market funds (VTSAX for Vanguard, or FSKAX for Fidelity). You get the small caps that the S&P misses. Now, small caps have performed like shit since covid, but if you're making a bet on the US economy and not just the tech stocks, it makes sense to me.

Distos drop at those calpheon elvia places. In fact, quite often. I imagine most disto drops aren't coming from Star's End anymore.

The changes I made have nothing to do with that drop. I only posted it cause it dropped and I looked it up and was like wtf? I'm assuming I should sell it. I've only got one passive jewel slot and it's giving me chaos resist plus some other stuff. Not sure 5% HP is worth the gear I could get...

I can believe the salaries, just not for a teacher. And the responses to that Tweet support that, as the average teacher salary in 1999 was in the $30k's.

This actually brings up a good point about long term investing. A lot of people mistakingly will try to save more of a percentile of their income. Which, I mean, that's definitely good to do. My wife and I absolutely utilized that in our savings strategy. But much more important than that would...

So uh, I finally got around to running the eternal labyrinth, and this dropped for me. Not sure what I should do with it. Hilariously, the only reason I even ran it was because I was 1 challenge away from the league body armour cosmetic.

This is why I mostly ignore any comments on my posts about the trades I make. It's a lot different when you've got W-2 income to fall back on. You don't know until you're relying on that income and that's it forever. Anyway...I'm going to be super annoyed when @Bandwagon wins the stock...

I'm literally just copying you at this point. I'm even running Strand, which I like cause it's very linear. I think, looking at what I've got, I need about 15 more respec points. Although I'll still be a few shy since my atlas says 102/115.

Ran another, this time without the scarabs (since I'm basically out). Not sure if I should just be buying them? I really need to figure out the item pricing thing better. If there's a guide for Awakened PoE or another tool, someone yell at me.

I've got that, but unless I'm missing something, it does a shit job at checking the actual stats on items? Anyway, just cause I was curious, @Aazrael as one noob to another, I did a t3 map. 4 chisels, alchemy, vaal, and then a frag, and two scarabs (elder/strongboxes). This is what I got...

Like I said, I only changed once I had most of the atlas filled out. It's definitely useful for getting connected maps to drop.

I'm kind of hesitant to believe those salaries, too. $65k was a shit load of money in 1999.

Oh, well that I don't know. I don't think I've seen anyone in my HO, but I haven't been paying attention. I don't think they are though.

I know your question was directed at @Aazrael, but this is where I once again want to point out how disappointed I am by wandering path. I think I had about 50 chisels by the time I ran up to t16 maps. Respeccing my atlas tree and now I'm getting 2-4 dropping at once. Usually 2-3 times a map...

Right, but in this scenario they're joining my group and then dropping right after. At first I thought it was me pulling the item from my stash (thinking maybe it was some sort of bot thing and when it was removed it didn't show up on their list so they dropped), but that wasn't it.

Oh, speaking of that, too. I've got some random unique weapon that I priced at 7c (I think there were a few at 5c). I wouldn't get any responses for an hour then all the sudden like 3-4. I'd invite and every time they'd immediately leave the group. It happened over and over. It started to piss...

I definitely feel you. Yesterday I hit about 100 atlas points and decided to move on from wandering path. I went with @AladainAF's strat (I like essences) and it made a massive difference. Wandering path seems good for unlocking the tree, but holy shit does it gimp your drops. Severely. I ran a...

In what way was it a decent lead in? It was basically an entire separate movie just to introduce a deus ex machina between the two actually good movies. And it was in no way cohesive with the story that was happening in those.

Outside of the the fact that it's 6L with white sockets and the spell suppression, I would have no idea that's worth anything. Speaking of white sockets, I got a Tabula Rasa and despite there being a billion of em listed for 10c, even putting it at 15c I get like 50 messages. I ignored them all...

Shit man, it looks almost like you're playing a completely different game than I am. You get the amount of drops in about 3 maps that I've gotten in 50 hours.

Wtf is 8% quality font? And also, by getting them on your own by farming, do you mean as a raw drop? Or from selling dropped quality skill gems? Cause I don't think I've seen a single one raw drop.

I think my original question was that I posted my build and said, what's next? Seems like all the actual gear upgrades are several divines, so I asked if I should just be buying prisms to increase all the skill gems to 20% quality. That said, you talk a lot about looting stuff, but do you loot...