• 3 Posts
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Joined 1 year ago
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Cake day: June 15th, 2023

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  • Maybe. US history is full of crazy fucked up shit that the nation has made its way through thus far. This kind of situation hasn’t really happened in the US before though, and historically these kinds of situations do not work out well. We are past the point of no return in that the status quo Washington Consensus or whatever you want to call the previous era is gone now, whatever is coming is something new and different and the US role and position in the world are never going back to what they were before. Really I would say this process started with Bush II but there is no reversing it now that Trump has won a convincing electoral victory. Whether we’re past the point of no return for the US constitutional order isn’t really clear yet but it’s not looking good.














  • That is the downside, FZROX is only available to Fidelity customers. There’s also a potential risk it won’t track total market performance as well as predicted because one of the ways they keep the expense ratio at zero is by only purchasing what is supposed to be an equivalent subset of the total market to keep their transaction costs down. I don’t remember the specifics but I think they leave out lots of tiny companies and its not a significant risk because they couldn’t actually move the needle one way or the other.


  • If you have an account with Fidelity, FZROX should be a better choice than VTI. Unless you enjoy investing or want to really get into it, either do a target date fund for the easiest and lowest risk, or a total market fund like VTI, or an S&P500 fund like VOO. You really don’t need to overcomplicate beyond that, except to potentially start buying bonds when you are nearing retirement if you didn’t choose a target date fund.




  • I get cold easier and my clothes keep getting looser but that’s about it. I don’t count calories so I’m not sure when exactly I’m running a deficit or for how long but I have been steadily losing weight. I was a few pounds into the overweight range when I decided to start losing weight, now I’m down at least 14% from my peak and basically right in the middle of the healthy weight range for my height. About a year ago I started eating less, and started only eating until I didn’t feel hungry, and significantly reduced my alcohol intake. Its about the laziest diet possible because I still eat whatever whenever and still drink regularly but the net result is I’m running a calorie deficit often enough to lose a fair amount of weight. It doesn’t really feel like anything, or it feels about the same as running a calorie surplus. I imagine if I was running a larger or more sustained deficit it might be unpleasant and feel like starving but a minor irregular deficit isn’t something I really notice.