• 24 Posts
  • 228 Comments
Joined 1 year ago
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Cake day: June 9th, 2023

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  • If you can, put in at least as much as your company will match. The match is bonus pay for future you.

    Invest all the money in an index fund that tracks the S&P 500 and has the lowest expense ratio possible. Vanguard VFIAX is one example among many. Over many years that should give you an average return; not amazingly good, but also not terrible.

    If you are earlier in your career, contributing more money now can be very beneficial when you are in your 60’s. Though don’t put in too much that you become short on cash. For example, I was overly aggressive with 401k contributions early in my career and missed the chance to buy an affordable house in 2008 because I did not have enough cash remaining for a down payment.










  • I don’t know how it would be received in Spanish culture, but in the US this is common. I know several people with Chinese, Vietnamese, and Polish names who have either adopted Anglo-American names, or changed the spelling and pronunciation of their name to make life easier. In my opinion it’s not a big deal. Also, it’s fun when you get to know someone well enough to learn their “real” name.