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Ask HN: What to avoid in life?

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51–60 of 90 posts

Re: Ask HN: What to avoid in life?

#51

A seemingly pithy statement would be: Avoid Avoidance. Most spiritual texts talk of the dangers of following desires, and avoiding something is almost the same as following one's desires. The degree of difference is in how you look, either toward what you want, or away from what you don't want. Unfortunately, as I go thru life I realise the spiritual texts are probably right and that giving into desires leads to more…

Learning acceptance is the same as avoiding your, to this point, natural response :)

Some spiritual texts (stoic philosophy) place an emphasis on guarding your impressions to external events (e.g., deciding I have a flat tire, this is bad, my day is ruined) because if you solely restrict your judgement of good/bad to things in your control then you'll never fail to avoid what you want to avoid.

Personally, I think the answer lies somewhere in the middle: in general you should seek to embody Marcus Aurelius' "This doesn't _have_ to affect you" quote but there are also times where being affected by things is a natural and healthy human emotion and at those times you should not avoid feeling them and instead practice sitting with them, understanding them, and learning from them.

Re: Ask HN: What to avoid in life?

#52

Earlier quoted context omitted.

Not borrowing money is bad advice. The best way to become rich is leveraged investment. A mortgage is simply a 5X leveraged investment in real estate. With interest rates around 3% on a 30-year fixed, tax deductible, you’re actually winding up borrowing at below inflation. Then you’re building principal too, yours and not your landlords. I wish I’d realized this sooner. When you’re young you could even consider borro…

Are you advising people to take out a loan and dump it in the stock market?

You can margin trade for pretty cheap.

Re: Ask HN: What to avoid in life?

#53

Social media. Obviously not all of it is equal, but there’s certain low-hanging fruit culprits (Facebook and Instagram immediately come to mind). I see far too many people endlessly scrolling IG loops, and apparently many spend an hour+ daily doing so. These applications hijack the brain’s reward pathways and are inherently addicting by design. Facebook is a trash advertising company with no regard whatsoever for pri…

It's quite difficult to function avoiding all social media, people communicate via Facebook, developers talk on Twitter, it's just important to be in the space.

But it sure can take over. I've been blocking it at the router level at certain times of the day. Seems like an ok compromise for now.

Re: Ask HN: What to avoid in life?

#54
Toxic relationships. Also: looking for love instead of a partner that you can love. Nothing holds people more from goals in life than having a partner that is not similar in what you want from life. In the grand total, you should both want the same. You might have individual side hobbies (but try to share the main hobbies, too!), sometimes fight over the way to go next, that is all ok. But to make it big, two people can handle more than one person.

I see many people wanting "love". If I had chosen my wife the same way I had chosen girlfriends before, probably we would have been divorced by now. While I undoubtedly love my wife a lot, I was really careful to primarily find a partner in her, a person with similar goals in life, a person that I might still want to be with and be able to talk to at the age of 99, sitting next to her in a wheelchair. So absolutely avoid not being very, very, honest to yourself and letting alone love and pure attractiveness govern your search for a partner for life. Turn your brain on.

Re: Ask HN: What to avoid in life?

#55
post #12

Student loans. I understand it’s difficult, especially when you’re conditioned to get one since the conversation about college starts when you’re young, but I took one look at it. Saw it was going to be six figure sums, and said no way. Much to the horror of my siblings, parents, friends etc. Got a job doing help desk and within a year taught myself programming in spare time and landed a well paying job as a develope…

>I know that university is largely to force people who don’t have enough discipline to self teach AND make social connections

To be fair, going to school was a lot more than that, at least for me. I know my schooling wasn't exactly typical, but I learned a ridiculous amount in a short time, many topics were things I didn't know existed before I went to school, or things I wouldn't even know where to or would be unable to begin alone.

Our teachers were professional biologists and ecologists with years and years worth experience and knowledge, my math teacher was a literal rocket scientist. I got to travel around my province and even down to Yellowstone. We worked on local, provincial an federal projects, worked with actual field biologists, trapping and tagging. We were in the field regularly.

We learned how to communicate and work with government and private organizations and manage large projects with multiple stakesholders. We learned how to play the 'get grant money' and 'get published' games.

Just the sheer amount of things I did and the people, equipment and honestly the school's vast amount of connections to a huge number of organizations are things I couldn't have done myself.

Through work we did in school, a class mate and I were even able to get grant money to start up a non-profit conservation/research project, that as far as I know, is still somewhat active, though both of us left years ago.

But, to finally get to the point, despite all of this...

>is that worth hundreds of thousands in debt?

To echo you..

>No.

Not even the tens of thousands I ended up with. School's not worth it unless you have the money.

Re: Ask HN: What to avoid in life?

#56

Earlier quoted context omitted.

Not borrowing money is bad advice. The best way to become rich is leveraged investment. A mortgage is simply a 5X leveraged investment in real estate. With interest rates around 3% on a 30-year fixed, tax deductible, you’re actually winding up borrowing at below inflation. Then you’re building principal too, yours and not your landlords. I wish I’d realized this sooner. When you’re young you could even consider borro…

> With interest rates around 3% on a 30-year fixed, 3.51% this week, and that's a recent low, so “around 3%” is a stretch. > tax deductible, you’re actually winding up borrowing at below inflation. If you assume inflation will soon return to 1990s or earlier levels, maybe; US inflation has been under 2.5% for all but 5 years since 2000, and averaging even lower; you have to be in a pretty high tax bracket for even 3%…

Fair but let’s be very conservative and say 2% inflation and no tax deduction. You’re paying a net of 1.5% for that loan. That’s practically free money no matter how you slice it. You could basically offset it by keeping the cash in a savings account. If you can’t manage to beat 1% ARR you probably should just pay that mortgage off lol

Re: Ask HN: What to avoid in life?

#57
post #44

Earlier quoted context omitted.

I submitted this earlier today. https://news.ycombinator.com/item?id=22211654 Lots of misconceptions about student loans out there. Half of all debt out there is for graduate school, and most of those students don't have too much trouble paying it off. Yes, you can make a lot of money without a degree, but not for every profession. And not everyone can teach themselves do to the thing they want to do. You're not goin…

I was very interested in chemistry, and thought I would study that - because you can’t be an organic chemist without a degree. Then I saw the loans, and switched interest to computer science and programming. Nobody is forcing you into a particular career, just switch, the definition of intelligence is general adaptability. Shouldering yourself with hundreds of thousands in debt when you’ve never even had a job before…

OK, don't take out hundreds of thousands of dollars in student debt. Very few people will ever be forced to consider doing that because 1) they can choose to go to a cheaper school or 2) even very "expensive" private schools offer generous financial aid packages that should make debt manageable.

If you choices are 1) take $30K in student loans to pursue a career you're interested in/go to a school that will set you up for a promising future, or 2) teach yourself how to become a software engineer even if you're not interested in it or well suited for it, then I'd advise people to go for #1 every time.

Re: Ask HN: What to avoid in life?

#59
Things. Stuff. Collections of ... whatever, really. Don't get too attached to things and widgets and thingamabobs and artefacts and all the other man-made objects which supposedly are there to serve you but which end up needing service in some way or another, from simple storage service - where are you going to put it all - to actual upkeep. Just keep the minimal required to live your life in a way you find worthwhile and decide that anything more is optional. That doesn't mean you need to go out and actively get rid of stuff to lead some ascetic life of frugality, it just means you might want to dump it the next time you move without bothering to bring or replace it. Make sure whatever you have and keep around you is there to serve you and don't fall for all those gadgets which are being pushed upon you.

Re: Ask HN: What to avoid in life?

#60
post #19

Cults. Learn to see what they are early on, learn what groups are considered to be cults, read Lifton's "Thought Reform and the Ideology of Totalism" ( https://en.wikipedia.org/wiki/Thought_Reform_and_the_Psychol... ), stay away.

Anyone who is vulnerable to cults is likely vulnerable for reasons other than lacking a warning.

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