It's an annoyance, but he's the one that can walk into the biggest law firm in the state and not even feel the cost. Frivolously suing him is a good way to get countersued into oblivion if you piss him off enough.

Doesn't make much sense to assume Bachelor's. Most international students pursue a Master's and most 5-year programs are Master's.

I mostly borrow from future me. But I put it to good use. He'll get it back with interest, I swear.

That actually sounds terrible. Fortunately it's nowhere near that bad because you won't be running heavy loads all day.

Capitalism works a little more tolerably for the middle class when consumers advocate strongly for themselves. Choosing not to consume when prices are too high is how prices get lowered. Want us to suck it up and pay? Take it to /r/HailCorporate.

Mistakes are inevitable when practicing, but it's actually really important to minimize mistakes there. If you keep making mistakes, you're practicing those mistakes. If you don't get it right really consistently, you can't improve.

Learning from mistakes is super important but putting it next to practice like this gives the wrong idea.

Well, some people are more stuck than others. Sometimes all it takes to get out is to buckle down and commit to something different (and useful). Sometimes you're already burning the candle at both ends just to stay afloat and you've got a kid or something.

The mentality is actually only a bad take when applied to the whole population. But on an individual level, hard (and smart) work does work. Actually not sure why anyone would be in this sub if they thought otherwise.

Exactly how I wield it. Gonna be paranoid about money until I make so much that I can't justify being paranoid anymore.

Residential payoff takes a lot longer unless your roof, weather, and/or local electric regulations are really good, especially now that interest rates went up. Most are paying 4 cents per watt financed at at 3%+.

I got in at .99% and it still wouldn't be obviously worth it in terms of ROI if not for the tax refund. A big cash infusion when the market is low like this could tangibly impract retirement age. But without it, especially with interest rates as they are now I could see people taking longer than the 20-25 year life of their loan to net positive.

Everyone settles to an extent; it's implied that you're choosing among actually available options.

It's already in effect and retroactively reaches to the start of this year.