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Financial Decision of the Day

Why I’ve decided to pay off my $55k balance as soon as possible. No 10-20 years of payments. No more hoping “the government” will come through for me.

I graduated from grad school with $105K in student loans. Say what you will about Dave Ramsey. He is right about paying off debt fast. I was only in the workforce for a couple years before the pandemic hit. During that time, I was binging Dave Ramsey videos and realized he’s right about debt. Decided to pay as much as possible toward my student loans. I managed to get them down to $55k in about 2 years. My income was about $65k fresh out of school.

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Brain Training Daily

Six daily cognitive games. New puzzles every day at 7pm.

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Instead Of Saying “I Don’t Have Time” Try Saying “It’s Not A Priority”

(photo: @tcrawlers)

Regardless of where you live, how many resources you have access to, or which talents you possess, you have 24 hours in a day–just like everybody else. We lead busy lives and use our limited time as an excuse to procrastinate and avoid getting things done, but often claiming we don’t have time is a lie. It’s a lie we tell others and ourselves. It helps us believe we’ll never get anything done, and this is a problem. Fortunately, the solution might be as simple as changing your language

Wall Street Journal writer Laura Vanderkam explains:

Instead of saying “I don’t have time” try saying “it’s not a priority,” and see how that feels. Often, that’s a perfectly adequate explanation. I have time to iron my sheets, I just don’t want to. But other things are harder. Try it: “I’m not going to edit your résumé, sweetie, because it’s not a priority.” “I don’t go to the doctor because my health is not a priority.” If these phrases don’t sit well, that’s the point. Changing our language reminds us that time is a choice. If we don’t like how we’re spending an hour, we can choose differently.

It’s a simple idea, and a great one. Our language is often used to provide a polite answer when the truth might be hard to hear. Sometimes we even subject ourselves to more polite language and end up in situations like this one. How you use your time is very important. It’s a limited resource and shouldn’t be wasted. Don’t risk putting it to poor use by failing to be honest with yourself and others about your priorities in life. Alter your language and you may just discover what’s most important.

Guy Blows Up 300ZX Trying to do Burnout

For anyone who doesn’t understand what’s going on here:

He was trying to do a burnout by feathering the clutch (not fully releasing it) and/or giving it a combination of too much gas and too much brake at the same time. This makes it so the clutch has a much more difficult time getting the tires to spin, and instead causes the clutch itself to rub against the flywheel. Clutch material is extremely abrasive, which causes lots of friction, and thus lots of heat. By the time he hit red line it didn’t matter if his clutch was fully released, because the clutch was hot enough that the friction was way too low to properly engage it to the flywheel. Rather it just spun and spun until it overheated, cracked, and shattered causing it to essentially explode. Those chunks of metal laying on the pavement are pieces of the clutch.

 

Linkage

The Great College Pricing Sham: The strange, twisted logic behind the sky-high cost of college – Insider

Whatever Happened To Shelly Hack, ‘Tiffany Welles’ From Charlie’s Angels? – Wanderer

She Played ‘Anu’ on The Big Bang Theory. See Rati Gupta Now at 39 – Ned Hardy

Rise of the Synthesizer: How an Electronics Whiz Kid Gave the 1980s Its Signature Sound – Collectors Weekly

The Soviet Union’s Desperate Efforts at Mind Control – MIT

"I put these fan timers in all my bathrooms and everyone that uses my bathrooms always points out how much they love them. Nice little cheap/easy upgrade and it really comes in handy" – Amazon

Feeling Embarrassed? Here’s The Right Way To Handle It – Fatherly

What we know about Kim Jong Un’s train — a slow-moving bulletproof fortress – NPR

Whatever Happened to Chloe Webb From ‘Twins’? – Ned Hardy

How to Raise a Reader – The Art of Manliness

Japanese Live-Streamer Burns His House Down on Air – Leenks

The 7 Worst Things About Social Media – Linkiest

Apple’s A17 Pro Is a 3nm Chip Powering iPhone 15 Pro, Pro Max – Tom’s Hardware

10 Common Dating Profile Mistakes To Fix To Get More Matches – Knowledge For Men

How to Tell If That Package Delivery Text Is a Scam – Life Hacker

How Do Big Tech Giants Make Their Billions? – Visual Capitalist

Little Dude Gets Manhandled By His Girl For Coming Home At 4 am – Worldstar

 

What’s It Like To Get Sucked Into A Black Hole?

black hole

Imagine, just for a moment, that you are aboard a spaceship equipped with a magical engine capable of accelerating you to any arbitrarily high velocity.

This is absolutely and utterly impossible, but it turns out it’ll be okay, for reasons you’ll see in a second.

Because you know your engine can push you faster than the speed of light, you have no fear of black holes.

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The Importance Of Paying Yourself First

pay yourself first

One of the oldest rules of personal finance is the simple admonition to pay yourself first. All the money books tell you to do it. All the personal finance blogs say it, too. Even your parents have given you the same advice.

But it’s hard. That money could be used someplace else. You could pay the phone bill, could pay down debt, could buy a new DVD player. You’ve tried once or twice in the past, but it’s so easy to forget. You don’t keep a budget, so when payday rolls around, the money just finds its way elsewhere.

And besides: What does “pay yourself first” even mean?

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