Welcome • User Guide
ToS • Privacy • Canary
Donate • Bugs • License

©2025 Poal.co

505

When it all boils down, what are the basic few pieces of advice you'd give to people who matter to you?

Aside from things like avoid the groid, never relax, with jews you lose, etc. I think everyone should strive to do two things:

  1. Do your best to stay out of court
  2. Do your best to stay out of hospitals

Not speaking personally, I understand court can often be a mentally and emotionally draining process. Oftentimes when a person "wins" they've really lost months of their time and energy while paying thousands of dollars to (((lawyers))). The best strategy is to avoid court - don't break the law, don't get involved with shady people, keep records of everything, have appropriate legal documents (will, power of attorney, etc.), and so on. The court system is slow, inefficient, and even corrupt. Virtually all the time it's not worth the stress and hassle.

As for hospitals, that one should be obvious. Stay healthy, eat well, exercise, don't needlessly put yourself in danger. We all know people who are drowning in debt due to hospital bills, sleazy insurance companies finding ways to avoid providing certain coverage, etc. Then they have to depend on overpriced medications and it's just a downward spiral from there. I'm not saying avoid healthcare when you absolutely need it. Just be prepared and do everything you can to avoid needing hospital care. Like #1, make sure you have appropriate legal documents so that if you're incapacitated you either spell out exactly what you want to happen (advance directive) or your most trusted person(s) are appointed decision makers (healthcare proxy, power of attorney).

Anyway, that's my brain fart of the day. What are your most important tenets of modern life?

When it all boils down, what are the basic few pieces of advice you'd give to people who matter to you? Aside from things like avoid the groid, never relax, with jews you lose, etc. I think everyone should strive to do two things: 1. Do your best to stay out of court 2. Do your best to stay out of hospitals Not speaking personally, I understand court can often be a mentally and emotionally draining process. Oftentimes when a person "wins" they've really lost months of their time and energy while paying thousands of dollars to (((lawyers))). The best strategy is to avoid court - don't break the law, don't get involved with shady people, keep records of everything, have appropriate legal documents (will, power of attorney, etc.), and so on. The court system is slow, inefficient, and even corrupt. Virtually all the time it's not worth the stress and hassle. As for hospitals, that one should be obvious. Stay healthy, eat well, exercise, don't needlessly put yourself in danger. We all know people who are drowning in debt due to hospital bills, sleazy insurance companies finding ways to avoid providing certain coverage, etc. Then they have to depend on overpriced medications and it's just a downward spiral from there. I'm not saying avoid healthcare when you absolutely need it. Just be prepared and do everything you can to avoid needing hospital care. Like #1, make sure you have appropriate legal documents so that if you're incapacitated you either spell out exactly what you want to happen (advance directive) or your most trusted person(s) are appointed decision makers (healthcare proxy, power of attorney). Anyway, that's my brain fart of the day. What are your most important tenets of modern life?

(post is archived)

You are currently inside a comment thread.
Click here to see all the comments (94).
[–] • 11 pts

Stay out of debt. Save money and pay for what you buy with cash, not credit.

[–] • 3 pts

0% APR is awesome when you have the money to afford whatever it is you're buying. You can float the debt at no cost while you put the funds into a CD or Treasury Bill earning interest.

For example, a $30,000 car at 0% interest allows you to invest that $30,000. In Treasury Bills paying 2% you would earn $1,475 interest over the 5 years you make payments on that loan.

[–] • 1 pt

I probably should have put that in the OP. Debt slavery is one of the biggest plagues on humanity.

I got started using credit cards fairly young. Never missed a payment, never bought anything I couldn't afford. I've only ever used credit cards as debit cards, to make random purchases I'd otherwise make with cash. Never did any financing or kept a balance.

[–] • 0 pt (edited )

That's terrible advice. If you have access to a low-interest tax-deductable loan (a mortgage) you'd be stupid to pay in cash. The money you don't have to front can be invested.

I took out 500k a mortage at 3.75%. My tax backet pushes me into the 35% federal tax. All interest on that mortgage can be deducted so that effectively reduces the mortgage interest rate to around 2.4%. Reinvesting that 500k in a low-risk etf should easily be able to return more than 2.4% after taxes. Not only that, but given the 30 year duration of the loan that's quite a bit of time for inflation to chip away at the loan. If we cruise at 3% inflation in ten years that debt goes down by 27% at 4% it goes down by 36%.

There is literally no reason to drain your savings instead of taking out a mortgage.

[–] • 0 pt

Lot of really good practical advice here. Covers almost everything I was going to say already anyway in one form or another, so I'll just add this one little thing, because I haven't seen it anywhere else on here:

Never fry bacon in a skillet while nekkid. Just trust me on this one.