Is it dumb to temporarily go in the red ~$1500 per month for an ESPP that would net me $4000 extra each year Basically I have an ESPP through my company that allows up to $1000 per paycheck to be taken out and purchase stock in the company at a 15% discount. The stock is purchased at the end of each qtr and can be sold immediately. Currently my expenses are around $2700-2900 each month and my income is $3300 per month (or $3575 if you spread out the 2 …

My long time GF says it’s dumb to buy our own a house? Long story short she got into some finance course paid by her job and now she says it’s not financially responsible to buy a new house, she says it’s better to rent, citing how maintenance and taxes over time would be more expensive. Now, we don’t live in the US so things my be a bit different here but I know taxes are not that bad in here, also…

TikTok ‘Diet’ of the Week: The Ice Hack for Weight Loss Is an Ad for a Dumb Supplement TikTok is full of weight loss “hacks,” most of them misleading, overblown, just plain wrong, or recycled from misinformation of yore (or all of the above). The latest: something involving ice that helped the narrator’s mother lose 72 pounds, or something. More info in the comments below! Except there’s not. Act quick… Read more…

Is going into debt for law school a dumb idea? Quick background: Currently work in RE finance as a 100% commission based W2. The past few years I’ve made between $150-300k (this year I have made about $150k so far). I am 100% remote and work from home. Problem: Feeling completely burned out with my current line of work. It was interesting when I first started because the learning curve was s…

Lawyer brother told me it would be dumb to pay off student loans. My brother (who is a lawyer) lectured me when I said I’m going to be putting my entire salary towards paying off my student loan debt. He said everyone has it, lenders don’t even look at it, you can reduce the monthly payments to be extremely low, or that there are endless forgiveness options. He pretty much said it would be dumb to spend my mon…

Maybe a dumb question, but is China safe to visit? I previously worked in the defense industry in the US and had a clearance. During that time, China hacked the US government and probably knows that I worked for them. Is this reason for concern? I would love to visit China (some of my family is from there), but I do have this weird fear of being detained or something. Am I way off base? Is this …