There is not a hard and fast rule for how big your emergency fund should be but there are definitely a lot of folks in the personal finance community who have at least 6 months in some type of readily available account that’s not tied up in 401k or other investment funds which have early withdrawal penalties.

How much you save comes down to the individuals ability to do so and how much risk they are at if they were to suddenly lose a source of steady income and how much debt they currently have. For people with a lot of ongoing expenses, it’d be smart to try and pad up some safety net so they don’t have their life completely fall apart if they somehow lost their job. This also might vary if you are single income or multiple streams for the household.

6 months is probably on the higher side since there’s the opportunity cost of not investing surplus money somewhere that could have a higher rate of returns. Usually money that is in emergency funds have lower interest rates as a tradeoff. And if you have upwards of 4 months or more, you can use that time to draw from other accounts for more money if you see that the emergency fund isn’t enough.

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The best part about this is that the section near the tip is clearly more worn out than the rest.

Drinking in my 30s really meant that I won’t get much of a buzz, but will feel bloated and get a headache later. Also, unless I do all my drinking early in the day, I won’t get a good night’s sleep because my heart will be racing.

So…only have 2-3 drinks max for the day and do it before the sun sets so I have the evening to process it. Or don’t bother at all since the benefits don’t really outweigh the cost. Staying hydrated throughout is important but doesn’t really fix any of the aforementioned issues.

It’s poor UI but also I think it’s a sign that the userbase has been coddled too much with things like this. Even Google adding the search bar widget to their homescreen of Android is kind of an illusion since it doesn’t need to be shaped that way. But an entire generation has been programmed to type into a little empty field with a search button that they don’t think of alternatives anymore.

Windows 8 thru 11 are trying to add sleeker and more intuitive interface skins to be more usable for the masses but the underlying OS is still the same. Accessing additional options that a legacy Windows user uses all the time just takes you back to the old menus. It feels so lazy that each major windows iteration feels like a new skin on top of windows xp/2000 because not much really has changed since then other than the bloat and a few cute features that could’ve been done with a 3rd party app.

Obviously being a little reductive here but with how windows 11 looks, I would’ve imagined it being actually different. But as soon as I right click something and view more options, it’s clear it’s still the same stuff once the old right click menu pops up from underneath.

The collision itself will generate heat. And a super continent with less water will also absorb more heat energy without having water near its center.

Mammals’ Time on Earth Is Half Over, Scientists Predict https://www.nytimes.com/2023/09/25/science/future-earth-warming-mammal-extinction.html?unlocked_article_code=i-Vz9jIKNFOAz9W461kSfuXdwSaNLqY1OA6-RZUjsXXCFqdC3ZYi5fzATecJES9S5U55iemPY0VVELjOxBte3G2-M5XW3LZ5x0wuvCGDe85590sumzR9EYMPibkT_EUEnWQ65UT0fgYejXoFiqiwwLPaO5VtNWlz187tW6MRjycS3Q4iSAbvCHj4Ga9QI6WR-xod26K-0yKDaHB_iqod3s9o3MBh722dNZmHIUBcVwG_iJ-ocfLFLQFJrSs2kS0JihLKWpETwiCd9EcgcbwCh58HVCY1sN0wg-wX1ThT0TbY5CZCdDXsKwQYsG-F6efLTTF0aSaRxIudb1g9WoWdhmRF4NBChEigjxDOJO2NM2Y2&smid=nytcore-android-share

When the tectonic plates collide again to form another supercontinent, it will create enough heat to kill off most, if not all, mammals. And it will happen before the sun destroys everything, probably in around 250 million years or so.

Fruit is a botanical term for things with seeds in it. Vegetable is a culinary term. They aren’t mutually exclusive so when people say something is either a fruit OR a vegetable, it isn’t an apples vs oranges comparison.