S3ndD1ckP1cs t1_jdwy155 wrote

Generally if you’re young, at least 25 years worth of cost of living expenses in a diversified portfolio of low-cost equity funds earning at least the U.S. market average of 8-11% annually.

When you’re living off of this, try to keep withdrawals at or below 4% of your portfolio’s value each year.


S3ndD1ckP1cs t1_jcxkk59 wrote

If you read it again, it says “in grade school”. How early is too early? When does struggling to finish schoolwork become unnecessarily punishment?

As an adult, I use a mix of mental math and calculator use, and I find I am using a mix of composing text and idea generation with and without AI. Teach the concepts, then teach a better, more efficient way of doing things.