You forgot to include the actual living costs if you invest. You're not gonna be able to contribute $2,500 a month. You would be able to contribute not that much , around here rents are $2,500 a month.
That point is in the analysis after the bullet points (in phrases like "minus 400k you would have probably paid in rent" and "you need to consistently have rent-payment-level disposable income to make this work. Many working people don't.").
I considered putting it up in the bullet points. Apparently deciding against that lost my expressions of this point to some readers, including yourself.
But yes, this is why the analysis after the bullet point mentions the profile of people who don't have $2500 disposable income. The leverage matters more to people in this situation.
Having seen this conversation play out more than a few times and even turn a tad fighty, I think this is the fault line:
* people who do this kind of analysis frequently and generally have high disposable income often see that they can leverage compound interest rather than pay it, so the Pure Financial Investment plan seems like a slam dunk to them, and for their profile they're probably right.
* people who generally don't have high disposable income see that they can use leverage to make their rent payment do double duty, which seems like a huge win for them, and for their profile they're probably right.
What I did leave out is how a mortgage can bound your living costs. Another commenter correctly pointed out rents can expand dramatically. Where incomes track rents, I don't think this makes a dramatic difference, and that's why I didn't include it, but it's true this isn't guaranteed, and mortgage can function pretty well as a hedge.
Exactly. Here I am sitting talking to my freaking computer, arguing with it, whatnot. And people just dismiss it as if it's not a science fiction. We were not there two, three years ago. Now we are. It's amazing and scary, scary mostly because the society that we operate in. I bet it's less scary in Norway or elsewhere where govt is more biased towards people not corps.
But what you and others have to understand is that real life is not simple and linear. There's no garauntee that things just continue to get better and better. I mean, it's not like we kept building cars and then eventually everyone was driving around at 800mph. We ran into limits - human limits, safety limits, physical limits.
Not all workers will fare equally. As an illustration, Reuters cited a union source estimating that someone in the memory chip unit earning an 80-million-won base salary could take home roughly 626 million won in total bonuses this year. By comparison, workers at SK Hynix stand to collect upward of 700 million won should their employer post annual profit of 250 trillion won, Reuters calculated. Unlike at Samsung, SK Hynix employees are not limited to stock payouts and may instead opt for cash, Reuters reported.
Exactly, the whole point of having a laptop is that you can close it at some point. Once you move to these newfangled workflows it is all gone. That is why I have been slow on uptake with all these new apps they are releasing like Codex GUI and Claude GUI and all that stuff. I like that work continues when I close my laptop, but also I like that it continues on my hardware, not somewhere in the cloud being a supply chain attacked by who knows what.
Always happy to discuss existentialism, but I'm not going to read through an AI generated article. The other comment I wrote today was me recommending Borges to people!
Yeah, this all sounds good in theory, but there's a lot of edge cases. For example, for me switching between Mac and Linux what often happens is that Linux just for some reason the it turns off the monitor port and it's black until I reboot and there was no easy way to get it back. This is while using fancy Dell monitors built-in KVM. Ultimately, I have settled on remote desktops as a more viable and quicker option.
For the same reason, people prefer authenticity over mass-produced, generic stuff.
But authentic writing takes a lot of effort, and nobody wants to do that anymore in 2026, so the status quo is more mass-produced, generic content, which is frustrating and (to me) a regression.
The problem with AI written articles is still feeling uncertain whether there's actually any utility after reading 2000 words as you realize that it's been 90% filler so far but think maybe it will lead somewhere soon? But it doesn't and you wasted ten minutes reading glorified blog spam that was micro targeted at whatever niche you were researching.
After a while you pick up on the warning signs and just bail early without any guilt about false positives. It's really the only sustainable strategy in a world where it takes 5 seconds to absorb 5 minutes of your attention span.
I like the forums of the old way better than what we have now, Discord and reddit suck I mean, even back button on reddit does not work 50% of the time, lol.
Hacker News is the only thing that we have left that's similar to what we had from forums of the old. And even then, I think I like those forums better. Remember Deja News before Google bought them. Shit like that, that was good.
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