Insurance is such a scam. I’ve been paying for flood insurance for 5 years and suddenly the first year it rains the insurance company cancels the flood coverage. Literally just delete these businesses. World will be better.
"Good debt" vs "bad debt" is one of the stupidest concepts in personal finance. Your debt has no meaning. It feels no emotion. It's just a balance and an interest rate.
The most bearish part of this platform is how shallow conversations become. The most fascinating topics in the world just become a lot of repetitive, shallow slop and rage bait. There is nothing to be learned.
I am generally anti-censorship in the sense that I don't think the government should be able to stop you from using a word. But I don't think being *phobic is resistance. Empathy and self-control invalidate authoritarianism more than being an asshole. Just be cool.