Healthy relationships with people. This costs a lot of time and energy, but well worth it in the end.
Buy a bicycle that makes you want to ride it. If you get to the point where you no longer want to ride it, trade it in for another one that you do.
I can’t overstate how important it is take care of your mental and physical health. In fact, I would say that this is far more important than buying a house. Your mind and body are your primary home.
I miss riding a bike. I used to ride or [inline] skate or skate[board] everywhere as my primary modes of transport.
My oncologist told me that my osteopenia and osteolytic lesions mean that I must never ride a bike again, or skate, or even jog, in case of pathologic fractures.
If you have any suggestions, they’d be welcome.
You should definitely ask a qualified expert. I would think swimming might be a good option though. As well as being good exercise it can also be really pleasant and relaxing to just float and play in the water.
Always follow yourdoctors advice. There is a lot of snake oil out there that sounds good but will kill you.
To put a finer point on it, riding a bike is incredibly important for all sorts of economic and lifestyle reasons, not just for your health.
It’s time for this silliness to come to an end. You must ride a bike. We all must. It’s not a weird fringe form of transportation that only people in Portland and Colorado do. It’s just simply the way we all get around for moderate intra-city distances.
Ah yes, because we all live in areas where everything we need to access is a moderate intra-city distance away.
Nobody except you said “everything”.
I could change it to “anything” and still make the same point.
Sounds like a personal problem. Maybe you should move somewhere that doesn’t suck and isn’t actively killing you by forcing you into a financially ruinous and unhealthy lifestyle.
I’m neither financially ruined nor unhealthy, so…
Bikes and retirement aside, I’d recommend knowledge - career skills, but also handiness skills. If you can do simple repairs like replacing a door, changing the flap on a toilet, painting, preventative stuff like changing your air filters, simple electronics (replacing a light switch), etc you’ll save thousands on repairs as a homeowner. Today there’s almost nothing that you can’t find an in depth video tutorial on, but if you really don’t feel comfortable with basic tools most community colleges have cheap classes as do some hardware stores. Volunteering, even just to help friends with their projects, can be an amazing way to learn too.
From the “Financial Advice Index Card”:
1. Max your 401(k) or equivalent employee contribution.
2. Buy inexpensive, well-diversified mutual funds such as Vanguard Target 20xx funds.
3. Never buy or sell an individual security. The person on the other side of the table knows more than you do about this stuff.
4. Save 20% of your money.
5. Pay your credit card balance in full every month.
6. Maximize tax-advantaged savings vehicles like Roth, SEP and 529 accounts.
7. Pay attention to fees. Avoid actively managed funds.
8. Make Financial Advisors commit to the fiduciary standard.
9. Promote social insurance programs to help people when things go wrong.
I disagree with #2. All of the target date funds tend to have 1.5-2% returns and are largely intended for people that aren’t looking at alternatives. Almost anything is better.
Don’t skimp on the things that connect you to the ground and invest in good quality ones. Shoes, bed, couch, office chair, and tires.
Don’t forget food and liquid. That stuff keeps your face from connecting with the ground.
And there are some liquids that in excess might increase the chances of your face connecting with ground. Probably best not to skimp on those either.
Max out HSA if you have one first, then move on to 401k and a Roth or traditional IRA if you don’t qualify for the Roth. Then you do a backdoor Roth until they close the loophole.
I’ve got some Vanguard funds and I like them. $VTTHX for example
I second this, wife put money to save for kids when they’re older and it over performed by quite a bit. I forget how much since she also sneaks 1k in here and there but an initial 10k plus the bits she added are now 24k after a couple years.
S&P 500 is pretty solid.
Historically, it has been. Right now is shaky. SPY was over 600 and now having a hard time at 589.
