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The quiet rebellion of a little life

caitlynrichardson.substack.com

81–90 of 135 posts

Re: The quiet rebellion of a little life

#81

Earlier quoted context omitted.

How much did you make per year? How many jobs did you have? How many jobs did you hop?

In my most recent job, I earned $160k. During my ~15 year software development career, I worked for a total of 4 companies, none overlapping, none that required more than 40 hours per week. I saved ~60% of my take-home pay every year, and invested it in a 60/40 mix of VTSAX / VTIAX. I'm married, and my wife made $8,000 last year. I had to save enough to cover our collective expenses, otherwise this timeline would've…

No kids right?

Re: The quiet rebellion of a little life

#82

Earlier quoted context omitted.

How much did you make per year? How many jobs did you have? How many jobs did you hop?

In my most recent job, I earned $160k. During my ~15 year software development career, I worked for a total of 4 companies, none overlapping, none that required more than 40 hours per week. I saved ~60% of my take-home pay every year, and invested it in a 60/40 mix of VTSAX / VTIAX. I'm married, and my wife made $8,000 last year. I had to save enough to cover our collective expenses, otherwise this timeline would've…

I never made even $100k a year. Locality matters a lot.

Privileged people being blind to their privilege. Nothing new. My original point still stands then.

Keep finding stuff hilarious I guess, though.

Re: The quiet rebellion of a little life

#83
post #5

I always think these kinds of mentalities are based on people who have never been in dire straits or financially insecure. Living a simple life is almost impossible, pursuing wealth is probably the only way to be secure in a simple life. Even if you FIRE, you need to pretty aggressively pursue wealth at the beginning to make it work.

> Living a simple life is almost impossible, pursuing wealth is probably the only way to be secure in a simple life. Maybe this seems true if you live in SF or NYC or are surrounded by people who are continuously preaching "high acheivement", but there indeed many people who lead a simple life. They don't have all the comforts that they could otherwise have if they pushed themselves to have more money, but they earn…

I live in Canada, 2 hours from Toronto and a 1 bedroom apartment is CAD2300 per month. Working is not enough to afford that, you need to be somewhat affluent to afford rent and groceries. I think this idyllic idea of life is only possible outside of US/Canada/most of Europe.

Re: The quiet rebellion of a little life

#84
post #5

I always think these kinds of mentalities are based on people who have never been in dire straits or financially insecure. Living a simple life is almost impossible, pursuing wealth is probably the only way to be secure in a simple life. Even if you FIRE, you need to pretty aggressively pursue wealth at the beginning to make it work.

with all due respect this cannot be further from the truth. americans are taught from young age that to make it in life they must increase their earnings. america needs modern day slaves working in cubicles 9-10 hours per day (even if you are at FAANG making high six figures you still a slave…). but economics which america would not dream teach their young is that you can also cut expenses :) this is the quiet life p…

How many jobs are in Hope, Arkansas? And I mean real jobs, not building React garbage from a coffee shop. How many people are in Hope, Arkansas, especially people you could easily connect with? How much housing is in Hope, Arkansas? How many doctors? Are there specialists? How are the schools?

I'm so sick and tired of the techbro response to a rising cost of living and a lower quality of life is just "lol be poor :)". There's a reason half the country cheered when that CEO got shot. Maybe there just isn't enough Hope in Arkansas.

Re: The quiet rebellion of a little life

#85
post #5

I always think these kinds of mentalities are based on people who have never been in dire straits or financially insecure. Living a simple life is almost impossible, pursuing wealth is probably the only way to be secure in a simple life. Even if you FIRE, you need to pretty aggressively pursue wealth at the beginning to make it work.

with all due respect this cannot be further from the truth. americans are taught from young age that to make it in life they must increase their earnings. america needs modern day slaves working in cubicles 9-10 hours per day (even if you are at FAANG making high six figures you still a slave…). but economics which america would not dream teach their young is that you can also cut expenses :) this is the quiet life p…

I think this is a very entitled approach, I bet you need very little to live in a small rural area, but the crazy thing is that not everyone can do that since by definition if would get more expensive for everyone to do that. We can't all live off the grid away from people, modern infrastructure just cannot support that.

I think if the approach was, be happy with less, then sure we can get on board. There is a massive difference in being able to afford more and choosing less, than being forced to have less.

Re: The quiet rebellion of a little life

#86
post #5

I always think these kinds of mentalities are based on people who have never been in dire straits or financially insecure. Living a simple life is almost impossible, pursuing wealth is probably the only way to be secure in a simple life. Even if you FIRE, you need to pretty aggressively pursue wealth at the beginning to make it work.

It’s pretty easy to live a simple life if you don’t expect cutting edge healthcare, the best education for one’s kids’, and living in colder/flatter places. If you expect a better than average quality of life, then you will have to compete for it. Unless, of course, you are lucky enough to be bequeathed a sufficiently large portfolio.

Mm. If you want to save on expenses, just considering living in squalor or dying. Being homeless costs $0! How's that for a deal?

Re: The quiet rebellion of a little life

#87
post #38
post #3

Ok, no capital letters as a writing affectation is immediately upsetting... but I'll let my anxiety about that subside and focus on the content. I get it, I really do. I find it a daily struggle. Last week I told my boss I couldn't travel this week. He was fine about it, there wasn't even a discussion. But I've worried about it ever since. Not because I want a raise or a promotion, but because I need this job and I w…

> So, there is no compact that will create the feeling of safety and fulfillment that this article wishes for. Just money. Money is the best freedom buyer. Don't trust anyone who says "Money doesn't buy happiness". That's rich-people propaganda to keep the rest of us dependent. As Lucy Liu said in a fantastic interview: Do everything in your power to accumulate fuck you money as early as possible. Because then you ca…

Collective action is the best freedom-buyer. Stop trying to atomize society. We need to work together to fight for our rights, not try to hoard what meager crumbs we get from multi-billion dollar companies.

Re: The quiet rebellion of a little life

#88
post #64
post #38

Earlier quoted context omitted.

> So, there is no compact that will create the feeling of safety and fulfillment that this article wishes for. Just money. Money is the best freedom buyer. Don't trust anyone who says "Money doesn't buy happiness". That's rich-people propaganda to keep the rest of us dependent. As Lucy Liu said in a fantastic interview: Do everything in your power to accumulate fuck you money as early as possible. Because then you ca…

The issue is game-theoretic. There’s value in having money, absolutely, but most people end up having to chase it and never get any. If one person chases money, emancipation results for him. If everyone chases money, as most of us are forced to do, we end up miserable, and nobody wins except the people we should be removing from power as fast as possible. Money clearly matters a lot, though. Why? Because we live in a…

It's easy to write "just get more money" from a Palo Alto coffee shop making six figures and screwing off on HN all day in between "looks good" PR reviews. The rest of America is a little more angry than that.

Re: The quiet rebellion of a little life

#89
post #63

For those that don't know, the lack of capitalization is a Gen Z affect. To the people who write like this, using capitalization is a type of formality that is reserved for serious topics and is almost like most of us would consider all caps, but more nuanced. Writing is inherently a form of self-expression, and so is ripe for artistic expression. The topic and the lack of capitalization actually make a lot of sense…

Gen Z affect? This Substack post has all the staples of a Millenial tumblr blog post, not only the lack of uppercase but also the whimsical drawings of cherished children books to emphasise the “vibe”, and the whole thesis of the post is basically promoting the hipster “”“authenticity “”” (using hipster runoff inspired use of quotes on purpose here)

Re: The quiet rebellion of a little life

#90

Earlier quoted context omitted.

In my most recent job, I earned $160k. During my ~15 year software development career, I worked for a total of 4 companies, none overlapping, none that required more than 40 hours per week. I saved ~60% of my take-home pay every year, and invested it in a 60/40 mix of VTSAX / VTIAX. I'm married, and my wife made $8,000 last year. I had to save enough to cover our collective expenses, otherwise this timeline would've…

I never made even $100k a year. Locality matters a lot. Privileged people being blind to their privilege. Nothing new. My original point still stands then. Keep finding stuff hilarious I guess, though.

I agree! Making > $100k is an absolute privilege. I am privileged as all hell finding myself interested in and decent enough at computer programming at a point in time where it was a relatively lucrative field to be in. That's serious luck!

But if you're making < $100k and suggesting you need $200k in passive income to go to a farmer's market, cook pasta for dinner, read library books, grow some plants, and drink the occasional wine? That doesn't inspire confidence that you have a great understanding of the value of a dollar.

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