1. Started a small mutual fund and retirement fund when I was just starting out and still in undergrad. I did not have much and was fully self sufficient. But someone came to my job and showed us how retirement plans worked and convinced me to start one. Same with a mutual fund. I never put more than $20-$40 in each because I didn’t have much but boy did that pay off.

2. I purchased a small condo in the city with some of the money I put away in #1. Just sold it recently (20 years after purchasing it; lived in it for 5 years, rented it out for a profit for 15 years). I made a lot of money off that sale. More money than I’ve ever seen at once.

3. My spouse and I have always lived below our means. Now we’re not frugal - we go out for nice dinners, travel, have kids. We also have good jobs. But, when we purchased a house we could have afforded to get one that was $600k and instead opted for a smaller townhome in a nice neighborhood for almost half the price. Living this way has paid off more than I could have ever imagined. Both of us don’t have to work. We travel whenever we want. We could technically both stop working in our 40s/50s and probably be fine. It’s a feeling of freedom. We’ve never over-extended ourselves. When our colleagues and friends were buying expensive homes and expensive cars and extending themselves, we just didn’t do that.

I can’t imagine not using a password manager. I am a long-time user of 1Password and have been very happy with the service and apps. I recommend it to everyone. Worth every penny and then some IMO.

And I hope it fails as miserably as Twitter is failing. I’m so tired of these companies doing the crap they’re doing simply to earn a buck from people. It’s pure greed and I hope they all go under and end up failing.

Health-related communities, particularly those for specific medical conditions. Those are the communities that really become a lifeline for people, help them through diagnoses or just difficult times, and can serve as an excellent resource. I was active on r/diabetes_t1 on Reddit and am trying to get a community started here on Lenny.world (!T1diabetes).

I don’t recall the specifics of the one article I read about this, but yes, I think being able to declare bankruptcy gives an out for at least some of the debt. I believe there was also some way that doing so protected Tesla but can’t recall exactly how that worked.

This just doesn’t seem like a “he’s just bad at running a company” situation. A company of Twitter’s age and maturity could have run itself for quite some time if Elon just let it continue on. He’s doing this intentionally for some self-serving reason.

That’s exactly why. He didn’t want to go through with JT and I think devaluing the company might be a way for him to get out of it via bankruptcy. I remember reading that somewhere and thought it made the most sense. He’s a dude with a lot of money (at least on paper) and I’m sure he has people with a decent amount of financial acumen advising him what to do or at least trying to steer him in the right direction. I don’t think it’s any 6D chess or anything, just finance and tech bros playing finance and tech bro games.

IIRC, causing its value to plummet is the easiest way for him to get out of this whole fiasco via bankruptcy (remember, he was basically forced into buying it). He played a stupid game and won a stupid prize and now he’s desperately trying to find a way out.

This only makes sense when you understand that he’s intentionally trying to destroy Twitter.

So a few things. This is a CVS minute-clinic visit, not a visit to a general provider. The minute clinics have contracts with insurance companies that look a bit different in terms of what and who they are permitted by the insurance companies to treat. There are some really odd variations in these contracts by insurance companies for reasons that are not always grounded in science.

This, as you’ve noted, is an unfortunate reality of a for-profit health care system that is dictated by private companies, insurance companies, and mind-bogglingly complex contracts that sit between providers and patients. The most annoying part IMO is that insurance companies provide zero transparency into these contracts and the justification behind decisions. It’s all “business decisions” at the end of the day, not decisions that are medically sound and in the best interest of the patient.

And for those wondering why OP maybe just didn’t go to a “regular doctor” - the U.S. has a horrible shortage of general practitioners (primary care) physicians. This shortage is worse in some areas than others. And even if you’re lucky to live in an area that has general practitioners, the waiting list to get into their practices might be long. This leaves many people relying on a “doc in the box” aka CVS Minute Clinic or some similar outfit. These doc in the box clinics often only have a nurse or nurse practitioner on site, with a supervising physician off side. They are for-profit entities and they work with the insurance companies to design their contracts to maximize profit.

If you ever find yourself in OP’s physician, one easy way to get around this is to indicate that the visit is for something more general, like abdominal pain or unexplained fever. While the staff still might refer you off to another provider, it might be a good way to at least “get in” with someone.

Another option is to visit a local urgent care clinic if one is available and covered by insurance. These are often staffed by actual physicians so they can treat a wider range of conditions. Many often even have testing facilities right on site for a number of issues.

Finally, another option is to call your insurance company and see if they have an over-the-phone nurse consultant available. They can usually help direct you to the right location for treatment based on your symptoms and insurance coverage.

But yes, OP, I agree with you that we need something better. Medicaid and Medicare have slowly been expanding and my hope is that they will eventually expand enough to cover all Americans. it has been proven that they can still operate without completely decimating the insurance industry (see Medicare and Medicaid managed care). While I don’t agree with for-profit health insurance, the reality is that they are a lobbying force that has to be worked with if we are going to get everyone universal coverage.

Source: Health policy professional by trade, extensive experience within the health care industry

I agree it’s a bit confusing. I think app developers are really working to try and give people an easier onboarding experience. But I’m old enough to remember when people thought Twitter and Reddit were “way too complicated” for the average person. With technology, people seem to learn over time, and devs find ways to make things easier for average users.

I was active on Reddit for well over a decade. Even helped mod a couple of small communities at various points. I also loved Apollo and was an early beta tester for that app. For me, Apollo was Reddit. It was the only Reddit client I used in recent years and I miss Apollo as much as I miss Reddit itself.

I don’t see myself going back to Reddit. Lemmy has been great and has quickly become very “Reddit-like” for me, but with the vibe of what the internet was back in the early 2000s. I am enjoying the communities that are forming on her.

I’m also very fond of the concept of the Fediverse as a whole. Corporate social media has failed again and again, so I want to move away from it as much as possible.

Mastodon really helped get people acquainted with the Fediverse after the whole Twitter shitshow. My sincere hope is that the Fediverse continues to take off. Corporate-owned social media is failing at every turn.

Given how much they have lied about already and the crap Huffman has pulled in the past, I would not doubt it in the least. I am sure they are doing all sorts of mind-games crap like this to try and keep users from fleeing. They have to be freaking out right about now.

All I can do as a user is take my content and time elsewhere. Which is why I’m here. Hoping that like has happened on mastodon, we will slowly move past the “Reddit news” phase and just transition into people contributing to communities and building apps for Lemmy/Kbin.

Agree. It’s good for small communities that want to have an ongoing conversation but it’s horrible for large communities. No easy way to scan content, find info, or even engage in a conversation.

Reddit is only valuable because of the content users provide. If you don’t post valuable content, the site is worthless. Reddit can force subs back open, but they can’t force users to submit the content that makes the site valuable to begin with.

I don’t think it’s necessary “CEO proof” but it is definitely a bit better positioned to avoid the pitfalls that Twitter and Reddit have experienced. Hence the reason I am here. But there’s nothing stopping a for-profit corporation from buying out the owner of a large instance (or multiple large instances). I think the best way to try and prevent that is for people to join hyper-local, hyper-specific instances that can all connect with one another. I assume that would be the benefit of Lemmon.

It’s more akin to the early 2000s to me. Not in the sense of how the tech works but more in the feeling of nothing being “owned” by any one person or entity and things just being…free.

This is what I want to see personally.

I think this is what Lemmy and other Fediverse sites need - a really good mobile app. once that happens, I think Lemmy, kbin, etc will start really attracting users.

That’s what Huffman was saying BEFORE the blackout. Now that 8476/8838 subreddits are currently dark, I wonder what he would say now? I don’t really see how Reddit recovers from this. It’s sad because I loved it and there’s nothing else like it (yet), but there would need to be some major changes taking place before a lot of people consider venturing back.