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    1. What did you do this week (and weekend)?

      As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do...

      As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do nothing at all? Tell us about it!

      7 votes
    2. What have you been listening to this week?

      What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as...

      What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as well, we'd love to see your hauls :)

      Feel free to give recs or discuss anything about each others' listening habits.

      You can make a chart if you use last.fm:

      http://www.tapmusic.net/lastfm/

      Remember that linking directly to your image will update with your future listening, make sure to reupload to somewhere like imgur if you'd like it to remain what you have at the time of posting.

      4 votes
    3. What did you do this week (and weekend)?

      As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do...

      As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do nothing at all? Tell us about it!

      2 votes
    4. What programming/technical projects have you been working on?

      This is a recurring post to discuss programming or other technical projects that we've been working on. Tell us about one of your recent projects, either at work or personal projects. What's...

      This is a recurring post to discuss programming or other technical projects that we've been working on. Tell us about one of your recent projects, either at work or personal projects. What's interesting about it? Are you having trouble with anything?

      7 votes
    5. What have you been watching / reading this week? (Anime/Manga)

      What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was...

      What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was cool, something that was bad, ask for recommendations, or anything else you can think of.

      If you want to, feel free to find the thing you're talking about and link to its pages on Anilist, MAL, or any other database you use!

      3 votes
    6. Weekly coronavirus-related chat, questions, and minor updates - week of January 9

      This thread is posted weekly, and is intended as a place for more-casual discussion of the coronavirus and questions/updates that may not warrant their own dedicated topics. Tell us about what the...

      This thread is posted weekly, and is intended as a place for more-casual discussion of the coronavirus and questions/updates that may not warrant their own dedicated topics. Tell us about what the situation is like where you live!

      8 votes
    7. What have you been watching / reading this week? (Anime/Manga)

      What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was...

      What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was cool, something that was bad, ask for recommendations, or anything else you can think of.

      If you want to, feel free to find the thing you're talking about and link to its pages on Anilist, MAL, or any other database you use!

      4 votes
    8. What have you been listening to this week?

      What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as...

      What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as well, we'd love to see your hauls :)

      Feel free to give recs or discuss anything about each others' listening habits.

      You can make a chart if you use last.fm:

      http://www.tapmusic.net/lastfm/

      Remember that linking directly to your image will update with your future listening, make sure to reupload to somewhere like imgur if you'd like it to remain what you have at the time of posting.

      5 votes
    9. Fitness Weekly Discussion

      What have you been doing lately for your own fitness? Try out any new programs or exercises? Have any questions for others about your training? Want to vent about poor behavior in the gym? Started...

      What have you been doing lately for your own fitness? Try out any new programs or exercises? Have any questions for others about your training? Want to vent about poor behavior in the gym? Started a new diet or have a new recipe you want to share? Anything else health and wellness related?

      11 votes
    10. What did you do this week (and weekend)?

      As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do...

      As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do nothing at all? Tell us about it!

      4 votes
    11. What are your financial goals? What habits, practices, and strategies do you use to reach them?

      How do you spend your money? How do you want to spend it? How do you save? I'm curious what strategies my fellow Tildenizens use to spend efficiently, build savings for retirement and other...

      How do you spend your money? How do you want to spend it? How do you save?

      I'm curious what strategies my fellow Tildenizens use to spend efficiently, build savings for retirement and other purchases, and otherwise maximize their financial lives. How do you use your money to maximize your happiness?


      Here's me: I'm young, single, thankfully debt-free, and my annual salary is about $70,000. I'm able to save approximately 35% of that by living relatively frugally:

      All My Stuff
      • I live in a big city, but not an expensive one. I pay rent, but it's pretty low for the amenities I have access to.
      • I live with a roommate to reduce expenses. We're on the same wavelength about minimizing spending.
      • I don't own a car and rely on public transit and carpooling to get places. I also work from home.
      • I go out of my way to shop at the cheapest grocery stores in the area to cut my weekly bill in half (or more).
      • I have three credit cards, but I always keep my utilization low and never miss a minimum payment.
      • I have a separate bank account (checking) for bills than for general spending. I set up my direct deposit to automatically put in all necessary funds for bills into the bill account. Then I set up autopay with all my providers so I don't miss payments. I have one month's buffer in this account in case there's some issue with my paycheck.
      • I contribute as much as I can to my employer-provided 401(k) savings account every month and invest in index funds. I can get to about 65% of the IRS max contribution limit with my income.
      • I contribute to a Roth Individual Retirement Account (IRA) every month to reach the IRS max contribution limit for the year, and invest in index funds.
      • I have a high-deductible healthcare plan (HDHP) which lets me use a Health Savings Account (HSA). My company pays a little into my HSA each month, and I contribute a similar amount to reach the IRS max contribution limit. Instead of using the HSA to pay for medical expenses, my strategy is to pay out of pocket for all expenses and simply invest the funds in my HSA in index funds to maximize their growth potential. Since this account is so tax-advantaged, investments here are more efficient (as far as I can tell) than in any other account I know of.
      • I have a taxable brokerage account that I contribute a small amount to each month. I know this isn't technically as efficient as putting more into my 401(k), but I figure I might want to use some of this money before I retire. I also kind of like betting on random stocks. Irresponsible, I know, but it's like $20 at a time. Gotta have fun?
      • I set up my TreasuryDirect.gov account to automatically buy I-Bonds while inflation is high, but only on the order of $100/mo. I don't know when I should stop exactly... we'll see what the interest rates are in May?

      I'm not really sure what I'm saving for here. I know you're not supposed to make financial decisions without a plan, but I honestly don't know what I want to do in the next 5 years, let alone 50. People tell me that I should buy a house to build equity instead of throwing away money in rent, but I'm enjoying not dealing with maintenance, and I don't know if I want to stay in this city for more than a few years. It's cute, and I have friends here, but city hall is full of goobers and there are too many highways nearby messing with the feng shui.

      Someone also suggested that I buy a small property and rent it out through a property management company, even if I'm still renting myself. Besides landlords being the scum of the earth and the moral quandaries that might present if I were to become one (even a tolerable one), that also feels like a lot of work. Possibly also financially unrealistic considering I'd need a 20% down payment on a house I don't intend to live in, and... I don't have that.

      I also might switch careers soon-ish, possibly to software engineering, which has a better earnings potential. I've avoided it in the past because I feel like I'm just not good enough at programming. I don't know how I would properly improve those skills now that I'm out of school.

      My pipe dream is that I want to build a really fricking big building. That's my goal. I want it to be really sick and have big Gothic spires and gargoyles and stained glass windows and cool stone carvings everywhere (but also be ADA accessible and not full of asbestos, because it's 2023). And people would come from miles around and say, "Wow, that's a cool building." All the non-racist secret societies could meet in its various hidden chambers and do whatever they do. I would hire whoever builds concert halls to design the acoustics so I could have some bomb choirs going in there, and make the floor sprung so they could do those crazy ballet dances too. Maybe at the same time. Also there would be a moat full of lava. And a robot dragon to guard it all just in case. I think this would cost upward of $500 million in total. Unfortunately that's slightly out of budget, even at my abnormal savings rate.

      But priorities change, right? I figure that if I can save enough to make myself think I might be able to build my big-ass building one day, when I eventually realize, "Wait a second, my kid needs to go to college," I'll accidentally have enough to make that happen.


      How does this compare to your life? What tips, tricks, and ideas would you like to share to help each other out? What are your financial dreams? I'm really interested in chatting with everyone about this.

      6 votes
    12. What creative projects have you been working on?

      This topic is part of a series. It is meant to be a place for users to discuss creative projects they have been working on. Projects can be personal, professional, physical, digital, or even just...

      This topic is part of a series. It is meant to be a place for users to discuss creative projects they have been working on.

      Projects can be personal, professional, physical, digital, or even just ideas.

      If you have any creative projects that you have been working on or want to eventually work on, this is a place for discussing those.

      4 votes
    13. Weekly coronavirus-related chat, questions, and minor updates - week of January 2

      This thread is posted weekly, and is intended as a place for more-casual discussion of the coronavirus and questions/updates that may not warrant their own dedicated topics. Tell us about what the...

      This thread is posted weekly, and is intended as a place for more-casual discussion of the coronavirus and questions/updates that may not warrant their own dedicated topics. Tell us about what the situation is like where you live!

      6 votes
    14. TV Tuesdays Free Talk

      Have you watched any TV shows recently you want to discuss? Any shows you want to recommend or are hyped about? Feel free to discuss anything here. Please just try to provide fair warning of...

      Have you watched any TV shows recently you want to discuss? Any shows you want to recommend or are hyped about? Feel free to discuss anything here.

      Please just try to provide fair warning of spoilers if you can.

      9 votes
    15. What programming/technical projects have you been working on?

      This is a recurring post to discuss programming or other technical projects that we've been working on. Tell us about one of your recent projects, either at work or personal projects. What's...

      This is a recurring post to discuss programming or other technical projects that we've been working on. Tell us about one of your recent projects, either at work or personal projects. What's interesting about it? Are you having trouble with anything?

      3 votes
    16. What programming/technical projects have you been working on?

      This is a recurring post to discuss programming or other technical projects that we've been working on. Tell us about one of your recent projects, either at work or personal projects. What's...

      This is a recurring post to discuss programming or other technical projects that we've been working on. Tell us about one of your recent projects, either at work or personal projects. What's interesting about it? Are you having trouble with anything?

      10 votes
    17. 2023 predictions thread - Who lives? Who dies? Who tells a story?

      2022 post: https://tildes.net/~talk/zus/welcome_to_2022_what_are_your_predictions_for_this_year 2019 post: https://tildes.net/~talk/9fs/what_will_happen_in_2019 HN predictions for 2023:...

      2022 post: https://tildes.net/~talk/zus/welcome_to_2022_what_are_your_predictions_for_this_year

      2019 post: https://tildes.net/~talk/9fs/what_will_happen_in_2019

      HN predictions for 2023: https://news.ycombinator.com/item?id=34125628


      Suggestion: Include confidence score for all of your predictions, try to assign a numeric value. This can be super insightful for review time! Thanks @skybrian for the brilliant idea last year.

      13 votes
    18. Year in Review: Books of 2022

      What were your highlights for the year? What were the best things you read? What surprised you? What let you down? Reflect back on the year and talk about anything and everything related to the...

      What were your highlights for the year? What were the best things you read? What surprised you? What let you down?

      Reflect back on the year and talk about anything and everything related to the books you read in 2022. You do NOT have to limit it to 2022 releases -- anything you read this year counts.

      6 votes
    19. What have you been listening to this week?

      What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as...

      What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as well, we'd love to see your hauls :)

      Feel free to give recs or discuss anything about each others' listening habits.

      You can make a chart if you use last.fm:

      http://www.tapmusic.net/lastfm/

      Remember that linking directly to your image will update with your future listening, make sure to reupload to somewhere like imgur if you'd like it to remain what you have at the time of posting.

      5 votes
    20. TV Tuesdays Free Talk

      Have you watched any TV shows recently you want to discuss? Any shows you want to recommend or are hyped about? Feel free to discuss anything here. Please just try to provide fair warning of...

      Have you watched any TV shows recently you want to discuss? Any shows you want to recommend or are hyped about? Feel free to discuss anything here.

      Please just try to provide fair warning of spoilers if you can.

      7 votes
    21. Fitness Weekly Discussion

      What have you been doing lately for your own fitness? Try out any new programs or exercises? Have any questions for others about your training? Want to vent about poor behavior in the gym? Started...

      What have you been doing lately for your own fitness? Try out any new programs or exercises? Have any questions for others about your training? Want to vent about poor behavior in the gym? Started a new diet or have a new recipe you want to share? Anything else health and wellness related?

      5 votes
    22. Weekly coronavirus-related chat, questions, and minor updates - week of December 26

      This thread is posted weekly, and is intended as a place for more-casual discussion of the coronavirus and questions/updates that may not warrant their own dedicated topics. Tell us about what the...

      This thread is posted weekly, and is intended as a place for more-casual discussion of the coronavirus and questions/updates that may not warrant their own dedicated topics. Tell us about what the situation is like where you live!

      9 votes
    23. What have you been watching / reading this week? (Anime/Manga)

      What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was...

      What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was cool, something that was bad, ask for recommendations, or anything else you can think of.

      If you want to, feel free to find the thing you're talking about and link to its pages on Anilist, MAL, or any other database you use!

      3 votes
    24. Year in Review: Television of 2022

      What were your highlights for the year? What were the best things you watched? What surprised you? What let you down? Reflect back on the year and talk about anything and everything related to the...

      What were your highlights for the year? What were the best things you watched? What surprised you? What let you down?

      Reflect back on the year and talk about anything and everything related to the television you watched in 2022. You do NOT have to limit it to 2022 releases -- anything you watched this year counts.

      7 votes
    25. Welcome to 2022. What are your predictions for this year?

      Let's hear some crazy ones. Who's going to live and die? Which show is going to get cancelled? Will Apple release an iPhone 14? Will the Queen make it to the 22nd century? Will Texas finally...

      Let's hear some crazy ones. Who's going to live and die? Which show is going to get cancelled? Will Apple release an iPhone 14? Will the Queen make it to the 22nd century? Will Texas finally secede?

      Edit: Quick retrospective, same thread for 2019. Jeez has it been three years already?

      22 votes
    26. What are you reading these days?

      What are you reading currently? Fiction or non-fiction or poetry, any genre, any language! Tell us what you're reading, and talk about it a bit.

      5 votes
    27. What have you been watching / reading this week? (Anime/Manga)

      What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was...

      What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was cool, something that was bad, ask for recommendations, or anything else you can think of.

      If you want to, feel free to find the thing you're talking about and link to its pages on Anilist, MAL, or any other database you use!

      6 votes
    28. What have you been listening to this week?

      What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as...

      What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as well, we'd love to see your hauls :)

      Feel free to give recs or discuss anything about each others' listening habits.

      You can make a chart if you use last.fm:

      http://www.tapmusic.net/lastfm/

      Remember that linking directly to your image will update with your future listening, make sure to reupload to somewhere like imgur if you'd like it to remain what you have at the time of posting.

      5 votes
    29. What did you do this week (and weekend)?

      As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do...

      As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do nothing at all? Tell us about it!

      4 votes
    30. What creative projects have you been working on?

      This topic is part of a series. It is meant to be a place for users to discuss creative projects they have been working on. Projects can be personal, professional, physical, digital, or even just...

      This topic is part of a series. It is meant to be a place for users to discuss creative projects they have been working on.

      Projects can be personal, professional, physical, digital, or even just ideas.

      If you have any creative projects that you have been working on or want to eventually work on, this is a place for discussing those.

      4 votes
    31. Fitness Weekly Discussion

      What have you been doing lately for your own fitness? Try out any new programs or exercises? Have any questions for others about your training? Want to vent about poor behavior in the gym? Started...

      What have you been doing lately for your own fitness? Try out any new programs or exercises? Have any questions for others about your training? Want to vent about poor behavior in the gym? Started a new diet or have a new recipe you want to share? Anything else health and wellness related?

      4 votes
    32. What programming/technical projects have you been working on?

      This is a recurring post to discuss programming or other technical projects that we've been working on. Tell us about one of your recent projects, either at work or personal projects. What's...

      This is a recurring post to discuss programming or other technical projects that we've been working on. Tell us about one of your recent projects, either at work or personal projects. What's interesting about it? Are you having trouble with anything?

      3 votes
    33. TV Tuesdays Free Talk

      Have you watched any TV shows recently you want to discuss? Any shows you want to recommend or are hyped about? Feel free to discuss anything here. Please just try to provide fair warning of...

      Have you watched any TV shows recently you want to discuss? Any shows you want to recommend or are hyped about? Feel free to discuss anything here.

      Please just try to provide fair warning of spoilers if you can.

      4 votes
    34. What are your plans for the first six months of 2023?

      In December, a lot of people make plans and ask about what you want for the next year. But a year is a long time, and maybe it's not a good idea to have a rigid plan for such an extended...

      In December, a lot of people make plans and ask about what you want for the next year. But a year is a long time, and maybe it's not a good idea to have a rigid plan for such an extended timeframe.

      Rigid plans lead to frustration when, inevitably, circumstances force us to change our perspective to varying degrees. Dreams are put on hold, objectives shift and adapt.

      So I am not asking about the entirety of 2023. I'm asking instead: what do you hope to achieve in the first semester of 2023?.

      As usual, anything goes. Big or small, personal or professional. Whatever you want to accomplish is good for this thread.

      I'm curious to learn what's on your mind. Cheers! ;)

      13 votes