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    1. 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
    2. 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
    3. World of Horror will exit early access and launch in Summer 2023

      @Ysbryd Games: Cosmic horror RPG #WORLDOFHORROR from @panstasz will exit Early Access and launch in Summer 2023 for:* PlayStation 5, PlayStation 4* Switch * PC via Steam, GOG, Microsoft Store, and https://t.co/L8aU7LyQ58 Who is ready to go to Shiokawa? 🐙 pic.twitter.com/2CIoAG1Sqr

      5 votes
    4. 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
    5. Are there any android 13 apps that can successfully spoof location (or otherwise thwart stalkerware)

      (apologies if this isn't the correct place to ask, I'm just a bit out of ideas) (content warning for abusive parents) I have a friend who's abusive parents track her location using the stalkerware...

      (apologies if this isn't the correct place to ask, I'm just a bit out of ideas)
      (content warning for abusive parents)

      I have a friend who's abusive parents track her location using the stalkerware app life360.

      she currently runs graphene os (android 13) on a pixel 7 pro.

      in my past android experience there are plenty apps that can spoof your location via developer settings. however they all crash on android 13 (or at least on graphene..)

      see below (none of these work, and they also crash on my android 13 phone, but they have worked for me in the past on like android 9):
      https://github.com/mcastillof/FakeTraveler
      https://github.com/wesaphzt/privatelocation
      https://github.com/warren-bank/Android-Mock-Location
      https://play.google.com/store/apps/details?id=com.lexa.fakegps&gl=US

      if there are no functioning apps that will do this. do you know any other solutions? on other android roms or with root with magisk / xposed? obviously this is less secure than graphene os but the current problem is her parents more than anything else.

      we r also considering a secondary phone just for the stalkerware which can be opportunistically left in innocent places. or just killing the life360 app on occasion when needed. or just letting the phone die when it needs to. But not sure how obvious this might be to the abusers. any insight is appreciated.

      (suggestions like "leave her parents" are good but far easier said than done and while it will eventually happen its not feasible at the moment. That being said if you can provide detail suggestions are welcome)

      Thanks :)

      5 votes
    6. 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
    7. 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
    8. 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
    9. Weekly US politics news and updates thread - week of January 2

      This thread is posted weekly - please try to post all relevant US political content in here, such as news, updates, opinion articles, etc. Extremely significant events may warrant a separate...

      This thread is posted weekly - please try to post all relevant US political content in here, such as news, updates, opinion articles, etc. Extremely significant events may warrant a separate topic, but almost all should be posted in here.

      This is an inherently political thread; please try to avoid antagonistic arguments and bickering matches. Comment threads that devolve into unproductive arguments may be removed so that the overall topic is able to continue.

      11 votes
    10. Fortnightly Programming Q&A Thread

      General Programming Q&A thread! Ask any questions about programming, answer the questions of other users, or post suggestions for future threads. Don't forget to format your code using the triple...

      General Programming Q&A thread! Ask any questions about programming, answer the questions of other users, or post suggestions for future threads.

      Don't forget to format your code using the triple backticks or tildes:

      Here is my schema:
      
      ```sql
      CREATE TABLE article_to_warehouse (
        article_id   INTEGER
      , warehouse_id INTEGER
      )
      ;
      ```
      
      How do I add a `UNIQUE` constraint?
      
      3 votes
    11. Your failures in 2022

      Share what your failures were in 2022. Your regrets; where you came worse off at the end of the year than at the beginning. What will you do better next year? Counterpart of the successes thread:...

      Share what your failures were in 2022. Your regrets; where you came worse off at the end of the year than at the beginning. What will you do better next year?

      Counterpart of the successes thread: https://tildes.net/~talk/13w4/your_successes_in_2022

      13 votes
    12. This shall be my last post about MUD games

      (paging @balooga) ...or, at the very least, the last in a very long time. This is not an article, this assortment of impressions is not meant to form a cohesive whole. That is my attempt at...

      (paging @balooga)

      ...or, at the very least, the last in a very long time. This is not an article, this assortment of impressions is not meant to form a cohesive whole.

      That is my attempt at leaving these thoughts and impressions behind.

      The MUD community does not wish to be saved

      Historically, the genres that maintain their purity either disappear or become an eternal niche. The film-noir is a kind of crime fiction made in the United States between the 1920s and late 1950s. It cannot expand over these limitations — similar movies after 1959 are, by definition, "neo-noir". The western is circumscribed to certain folk tales of the pre-20th century American frontier. Some stories outside of that are considered "neo-western", or some other kind of western. Those genres still exist, of course, but their presence in culture was greatly reduced.

      That was not the case with genres such as comedy (which wasn't even necessarily humorous for much of its existence), action, or suspense. These are meta-genres par excellence, and their survival is a consequence of their promiscuity. Meta-genres will lay with anyone and are prolific in their offspring. Their malleability makes them hard to kill. So we have action-comedies, comedy horror, suspense noir, etc. The combinations are endless.

      MUDs are in the purity spectrum. Most active MUDs were created in the 1990s, and their design is representative of that era of gaming. The vast majority of the users are entirely adapted and satisfied with how these games generally function. The term "graphical-MUD" was an intermediary, but it obviously didn't stick (nowadays, they're essentially MUDs with rudimentary graphics on top of them). Retroactively speaking, MUDs are text-based MMORPGs. They're defined by a relationship of similarity and opposition to MMOs. Proposals towards the implementation of additional functionalities that are not text-based will be promptly labeled as one of the following:

      • Graphical MUD
      • MMORPG
      • Persistent Browser Based Game

      Because most of the mechanical and narrative features that used to characterize MUDs were adopted by MMOs, the MUD community settled on the notion that MUDs are defined, first and foremost, by their (1) code-bases, and (2) adherence to a very specific set of text-interfaces.

      MUDs are also in opposition to interactive fiction, given their focus on complex mechanics and systems (chiefly the ones related to combat). In IF, gameplay exists to support the story, while in MUDs the story exists to support gameplay.

      MUDs are entrenched, with existential threats encroaching from all sides. This perception serves to reinforce purist attitudes in the community. The desire to maintain the integrity of their games prevents innovation, and the adherence to outdated designs makes it hard to achieve a wider audience. Notorious games survive with a player-base of 10 to 15, those with 30 people or more are considered successes, and only two or three ever cross the threshold of 100 concurrent users.

      But still, their core base is satisfied so there are no efforts toward renewing the audience. The general attitude is that you should adapt to MUDs, and not the opposite. If that means maintaining a game with less than 10 highly-dedicated old-timers, so be it.

      For the average MUDer, disappearing is preferable to change.

      This makes me think: what would I have to gain by making a MUD game?

      I gotta be honest, I don't like books all that much. That's just the truth. So the first thing would be the opportunity to craft a vast, living, and breathing fictional universe. As a game. Not many genres will allow a single creator (or a small team) to make a game of that scale. Making a MUD is the closest I could ever get to making an MMORPG, and to me, there's nothing as fantastic as a true MMO.

      Ultimately, I'd want to show just how far MUDs can go when you approach them as you would any other modern game.

      The potential is thrilling.

      If I made a game with all the changes I envision (and I'm not talking about graphics!), odds are that no one would play it. MUDers would feel uneasy with systems they do not recognize. Non-MUDers are unlikely to play a text game regardless of how cool and modern it is. MUDs are really meant to be collective affairs, and I'm afraid that even the best MUD in the world would probably be played by no one.

      That said...

      The best alternative, in my view, would be to not make a MUD -- or at least a deceptively MUD game. By that I mean: pick up a MUD engine, deeply integrate it with either Godot or Mudlet, ship everything as one awesome package and explicitly do not call it a MUD. Yep... I can see that working beautifully[1].

      That's it, I shall never write about MUDs anymore. Unless..


      [1] To be clear, I'm not announcing that I will actually do a MUD game. For now that is largely hypothetical.

      11 votes
    13. Weekly megathread for news/updates/discussion of Russian invasion of Ukraine - December 29

      This thread is posted weekly on Thursday - please try to post relevant content in here, such as news, updates, opinion articles, etc. Especially significant updates may warrant a separate topic,...

      This thread is posted weekly on Thursday - please try to post relevant content in here, such as news, updates, opinion articles, etc. Especially significant updates may warrant a separate topic, but most should be posted here.

      If you'd like to help support Ukraine, please visit the official site at https://help.gov.ua/ - an official portal for those who want to provide humanitarian or financial assistance to people of Ukraine, businesses or the government at the times of resistance against the Russian aggression.

      7 votes