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Joined 11 months ago
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Cake day: July 21st, 2023

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  • This is the same as me. I also have a policy on both my kids. It’s $10k and it’s so I don’t have to worry about funeral costs.

    There are also plans like that and turn into a college fund but it’s probably just better to use a 529 for that.

    But ultimately, in my opinion, it’s better to have a one on the bread winner of the family. But some people feel they are never necessary.

    If you die young you don’t need insurance because your spouse is still hot and can re-marry easily. If you die older your children are out of college and can take care of themselves.

    Everyone take or don’t take insurance policies for their own reasons and it’s hard to know exactly why unless they make it plainly obvious.





  • TyrionsNose@lemmy.worldtoScience Memes@mander.xyzbro pls
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    8 months ago

    But we spend nearly $200 billion just paying salaries. We spend the most because we are also an expensive country to live in and that means paying the folks who volunteer a decent wage.

    We would have to significantly downsize the military personnel and pretty much operate as homeland defense only.


  • TyrionsNose@lemmy.worldtoScience Memes@mander.xyzbro pls
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    8 months ago

    This comment doesn’t even make sense. For example, the USA government spent 37% compared to the GDP.

    If you mean 10% of government spending towards science then that question makes sense.

    The USA spends about $75billion of the $800billion defense budget on R&D. It spends another $120billion on non-defense R&D.

    Which is about 1/31 of federal spending for the US.


  • Sounds like you have a “low premium” high deductible plan. I had one of those. Where I paid every dollar until I hit $3.5K and then 20% until hit $7k and then paid nothing. I can see where you could get to $86k. I’d start looking for a job that comes with a better health plan. I now pay $400 a month and $20 co-pay here and there.

    That’s a symptom of our system. There’s so many different plans and options, and it’s further obfuscated behind your company doing all the negotiating that it’s not actually a free market. We would be better off going to a single payer system.







  • I get what you’re saying. The money from $60k to $100k just goes into the things you should be able to afford at $60k.

    At $100k you can afford to contribute to your 401k, start a small contribution towards your children’s college fund, pay random bills, afford a Toyota Camry instead of a Corolla, moderate vacations, etc.

    I had the same experience and it was humbling. But you also slowly forget exactly how tough it was looking at your bank account and knowing there was a bill not getting paid that month.


  • I don’t know about the UK but in the USA slavery was abolished in the 1865, but equal rights weren’t granted until 1965. All the states were not in full compliance until the early 1970s. You could easily argue there are people still alive today directly affected by slavery.

    Making slavery illegal doesn’t mean everyone suddenly starts hugging in the streets and bigotry is abolished. I’m sure these same sentiments persisted in UK but hopefully not as long as it did in the USA.