I was thinking about this today as I heard about Instacart going public. I've never used Instacart because I refuse to pay the cost for the convenience of grocery delivery. I've paid for grocery delivery in other ways but instacart feels too much.
I've stopped paying for doordash, which I had never been big on, but the fees got too high

I have and will however pay for a cleaner to come clean my apartment every 3 weeks. I will also splurge on a car wash, as driving through an automatic wash with a fountain soda is a weird happy place for me.

What are your "absolutely will" spends and what are your "no way in hell" spends?

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?

I live in the US.

I used to play music every day. I used to skate almost every day. I used to surf TWO times a day. I used to write songs and poetry. I used to contemplate the cosmos and reality and come up with fun projects with friends. I used to garden. I used to spend more time with my pets.

Now I work.

I work and stress so hard that I wear myself out, drink too much to "help me sleep", still stay up stressing about my job - how I can improve my standing, and stress about needing to do side projects to supplement my income AND stress that I don't do any of the fun things I used to do.

This is all to be able to afford a living space and ensure that if a disaster (personal or natural) happens I won't be completely screwed.

Any friends that did have loans are still paying them off. I have been fortunate enough (and diligent enough) to pay off all my loans, but I had to ditch my hopes and dreams.

Will I ever be able to afford a decent house in a metropolitan area? No. Will I ever do the things that used to make be happy? I don't see how. Will I ever be truly happy? I have no idea.

Is anyone else in this situation? What are you doing to mitigate? Moving to a more affordable area (leaving friends and family)? Are you learning a new trade to up your financial standing? Are you as bummed out as I am that we have to work so hard just for a mediocre standard of living?

With the incredible pace of automation and AI taking place across all sectors of our Global Economy, countries/governments/citizens need to start seriously thinking about how we can continue to survive when there are simply not enough jobs to be had. UBI is one option that countries have attempted to "beta test" with varying results. What is ~'s[sic] opinion on UBI and automation and AI "taking our jerbs"?