Nettywerk

hi, filipino here. just want to say that our independence day is june 12, not july 4. july 4 is when the united states government decided that they would recognize our freedom, specifically because it is your independence day and they wanted to cement their cultural hegemony over our country. and because of their influence on our country this was recognized for a time as our independence day. we still commemorate it, but i hope you can understand why we don’t want our independence day to be associated so closely with our former colonizer. it wasn’t even a work holiday for us.

Here's a picture of her, by the way

Reading the replies is giving me anxiety. Listen to me, children, if you are in the US and your company offers a 401k or some other sort of retirement benefit, get in on that shit. I believe most companies will do some sort of match, so for example, if you put in 3% of your paycheck into the 401k, the company will also put in 3% on their end, which means you're getting 6% a year in your retirement fund (not including any stock market gains or losses, which historically has been an average of about +7% a year, even factoring in the years it crashed). Even my grocery store job (ily unions) and the shitty temp agency I worked for for 2 weeks without a college degree offered a 401k. However, if you do not work for a place that offers a 401k, you can sign up for an IRA (individual retirement account) or Roth IRA through a brokerage firm. Mine is through Fidelity.

Thanks for the shoutout, baby. You're absolutely right: it's never too late to start saving for the future. Even if you think that future is an apocalyptic nightmare landscape, I promise you'll still be better off going into that shitstorm with money. When bad stuff happens, it is always the poorest, most marginalized people who are hurt the most. So if nothing else, prepping for a wealthy future will put you in a position to help others. We talk about that more here: