On ‘The Curse’s’ Finale and ‘Dumb Starbucks’ (Spoilers!) For those familiar with Nathan Fielder’s work, ‘The Curse’s’ final episode hits on a common comedic theme: the satirization of a certain kind of person’s desire to read profound meaning into things that might ultimately just be silly or meaningless at conception. ‘Dumb Starbucks’ had people worldwide thinking it was a Banksy, while the show tel…

Dumb question about IRA contributions I have a nice problem: I don’t know where to save all of the money I want to save. I am maxing out my 401k already. ✅ I can fully fund my traditional IRA, but my income is too high to take the tax deduction since I also have access to a 401k. So I’m essentially paying taxes twice: using post-tax money to fund the IRA, then paying taxes when I wi…

“Is It Dumb to Prioritize a Vacation While I’m Still in Debt?” Hey, r/personalfinance, I’m in a bit of a dilemma. I’m $20k in debt (mostly student loans), and I’ve been grinding hard to pay it off. This year alone, I’ve managed to knock $5k off thanks to a raise and picking up freelance work on weekends. I’ve been proud of my progress, but now I’m stuck between being ‘responsible’ and letting myself live a …

Perhaps a dumb question? Toronto to Australia flight Hey guys I have a question that may be silly. I’m looking for a one way flight from Toronto,Canada to Sydney, Australia. When I type in or look to book “toronto to sydney” I find a flight with one stop in Vancouver for 1502. But if I book separate tickets from Toronto to Los Angeles and then Los Angeles to Sydney I can do it for 823. Just wonder…

I’m very Dumb and I have low earning potential Canada I’m super slow, have low earning potential but I’m young and want to safeguard my future. I’m 23 and I have been diagnosed with Slow cognitive tempo and Adhd. I have extremely slow processing speed and I have extremely poor working memory as well. I’m just slow. I’ve tried medications, stimulants but nothing has worked. My body doesn’t …

Dumb Tattoo Tour submitted by /u/passiveabrasive

Have about 30k to invest, would it be dumb to just put it all in SPY. Good Day, After my Roth IRA Contributions and Emergency Fund in my High Yield, I am left with about 30k. I’m not highly financially litterate, but know I could do something better than a high yield savings account. Currently I have an empty Schwab Brokerage account. Would it be dumb to just put it all in the ETF SPY and let it grow? submitt…

Kiffin: Portal before bowl is flaw of ‘dumb system’ Ole Miss coach Lane Kiffin said college football’s crammed calendar “a dumb system,” especially with the transfer portal opening before the end of the season.

Toyota’s Dumb Jock Robot Set A Guinness Record For Basketball, But It Will Never Be ASIMO When Honda’s ASIMO died, he left a hole in our hearts shaped like a four-foot-tall spacesuit-looking bipedal robot. Now Toyota has tried to fill that hole with some jock ‘bot who plays basketball well enough to win a Guinness World Record, and I’m here to say: We can tell you tried to swap out the goldfish, and we’re… Read more…

Quick tip I just discovered regarding predictive text options (I feel so dumb for having taken so long to realise) I’m sure almost everyone probably knows this already and/or it’s intuitively obvious, however just in case anyone else is as dumb as me: I just realised that you can swipe (horizontally) across the predictive text options that come up (displayed between the keyboard and the text box/window) as you type (and/or tap the 3 dots on the rhs of the wo…

Is this dumb? HSA Investment My work offers an HSA plan that I have fully contributed to for the past 3-4 years. Only this past year did I finally decided to invest the funds in my HSA account. All of the funds are invested in “Growth ETF Vanguard” and the value has grown beyond just my yearly contributions. The potentially dumb part is that I’m 100% invested in that singl…

Young dumb and in need of guidance I’m 20(m) and I messed up and got a commission job just after buying my very first house with a $20k down payment. No help from parents but just saved like hell. After moving 4 hours away to this commission job it turned out to be nowhere near as fruitful as I was promised and I ended up sticking with it for too long and got my first credit card…

Possibly dumb question re: eyelash curler Ok hear me out: what is the point of changing your eyelash curler cushion? I just bought a new eyelash curler, and like always, it came with 2 replacement cushions. Why would someone change this—just for health/cleanliness (I already clean all my makeup regularly, so changing the pad feels redundant)? They’re just strips of silicone, so they hol…

ROTH IRA – Please help im so dumb I just opened a roth ira. I’m about to graduate college – ik I should have opened one earlier, but I’m finally doing it, and tbh I don’t understand investing at all. I’ve heard that it’s good to invest in risker/high-growth accounts because it’ll be sitting there a long time. I tried to do research, but everything just looks like gibberish to me…

I Made A Dumb Mistake When I Was Younger I was dumb and took zero risks so in 2019 I put 15k in a TEN YEAR Roth CD. The rate is 3%! In 2021 I finally started investing wisely in the stock market but I have this 15k held hostage in this ROTH CD that I can’t move until 2029 without penalty. I’ll be 45 years old. Would the penalty be worth it to roll it over into my IRA money market? What…

Am I dumb to invest only in 401k and not HSA or IRA? Hi all, Please forgive the ignorant post as I have only somewhat recently begun looking into finances deeply. Long story short – my wife and I are debt free, in our early and mid 30s, both have been for years contributing 15% to our 401Ks (not including company match) which is just about hitting the 401k yearly contribution limit for each of us….

Is this dumb? Home equity/new home question My husband and I have about 200k in equity in our home (after approx closing costs when we sell are factored in) and we really want to move to (hopefully) our forever home. We are looking at new construction in California. My question is, instead of putting all 200k into the purchase of a new home, does it make any sense to put about $100k into…

Idk if this is a dumb question but How much money should I keep in my checking account? I know most people go by percentages but I like to automate my transfers to a HYSA, Individual stock account, and Roth IRA and my pay is very variable since I’m 18 with a part time job. Is there a “standard amount” everyone goes by? I pretty much have no expenses since I’ll be living at home f…

Smart or dumb to use 401k in this situation? I know I know, never take out your 401k. However, this is a very specific situation. Living in a family members house and have the opportunity to buy it from them next year for about 200k less than what it’s estimated on the open market. I’m wanting to get my current debt out of the way beforehand, which is $11,000 in car payments and $20,000 in…

Probably a dumb savings question I have around $30k USD sitting in a savings account that I put into 2 CDs with 5.1% and 5.25% APY that I have been laddering. I have 401k and Roth as well. We have 2 young kids (under 5), so I am wondering if keeping the money in the CDs is the right move. I a little risk averse with the kids and unknown expenses with the house, but was just loo…