In these lean COVID-19 times I feel like a lot of people are trying to make a bit of extra cash. I've been thinking about trying out some freelancing platform to market a few of my skills (apparently people pay for at least few things I do for fun?), and I was wondering what people who've used any of the main platforms think of them. I keep seeing conflicting stuff around the web.

I've realized over the past few hours that I've spent an absurd amount of money relative to my income over the last few days, and I think that starting to budget would probably be a very good thing for me. Does anyone know of any good tools for keeping and managing a personal budget?

Today in twitter drama, people are up in arms about the Apple Card offering a tech entrepreneur's wife significantly less credit than her husband. Recently, other tech entrepreneurs like the Woz have noticed similar limit discrepancies. However, I think this is all missing the forest for the trees. It is likely that GS is in fact offering less credit to women. However, in both cases, higher credit was offered to male tech entrepreneurs (while their spouses got much less credit). And, given that Only 1/5th of VC money goes to startups with even a single women on the founding board, I don't think it's super far fetched that the statistics will show women, on average, are given notably less credit than men, especially when those men are tech entrepreneurs.

Ultimately, I have no idea why twitter is so surprised by this. People seem to think this is a unique case of bank discrimination, yet it's really just a reflection of a society which pays women less than men, and values their work as less than men. And I worry we might "fix" the algorithm, but never correct the larger societal issues surrounding this problem.

_{Sidenote: Currently, most cards circumvent this issue by linking spouses accounts, so they are one and the same. The Apple card, for privacy(?) reasons, does not allow this.}

For me, saving money has been pretty tough but my goal is to maintain a minimum of 4 months pay in the bank in case of hard times. My fiance started her MBA and we have been fortunate that we can pay for it outright instead of adding on top of our loans. In the past year I have gotten a bit into churning and using the rewards to help partially pay for vacations throughout the year which has helped a bunch.

I'm interested to read about any goals we are working towards and also talk about different savings strategies!

We are due for one anyway (11 years since the last one) yet I feel like the general sentiment is that the recent market drops are simply a temporary dip despite huge economic, political and geopolitical risks. What am I missing? Why isn't there more coverage about this? Am I looking in the wrong places?

you head to the gas station to catch a 6-pack and maybe a bag of chips or some rillos. you pass the cashier a twenty, and they mention your change will get you a couple lottery tickets. you're in a good mood and we all hate coins, so you just tell 'em you're down and to choose random numbers.

a week later, you wake up and see the winning lottery numbers on the news.

hopeful curiosity turns into a flooring disbelief as you pause the tv and check the numbers four times over.

you scramble to find and unlock your phone, heading straight to google.

"winning lottery numbers"

"how to tell if you won the lottery"

"lottery number checker"

everything checks out.

"how to claim lottery winnings"

you go to claim your prize, and you can choose between $130,000,000 in post-tax cash now, or $210,000,000 spread equally over the next 30 years.

which do you choose? what do you do with it?