@ThourCS2@CounterStrike Since 6 months, I didn't have any cheater with/against the team I'm playing with. However, the last 2 weeks have been miserable, only blatant cheaters spamming through walls
Yesterday Palestine , today Lebanon tomorrow the whole Middle East and after tomorrow the whole planet . Because Israel needs to be safe even if the whole world is destroyed.
Burnout happens when there is no progress. Burnout also happens when you have no visibility into how dots will connect in the future. Burnout is about not being able to close the loop after putting a ton of effort and not seeing enough results.
Aight, here it is:
My argument for spending less vs earning more
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Jeb and Fred both make $100k/yr
They both spend $100k/yr as well.
They realize they are never going to retire.
Jeb decides to get a new job making $150k/yr and keeps his spending at $100k yr. He invests the $50k difference.
Because he needs $100k/yr for living expenses, he will need $2.5 million in his investment account to draw out $100k/yr and have it last for his retirement without running out of money.
Given 7% stock market growth, it will take him 22 years to have 2.5 mil and retire.
Now, Fred takes an alternate approach. He too wants to invest $50k/yr, however, instead of getting a new job and increasing his income, he decides to decrease his expenses by $50k by cutting out avocado toast.
Because Fred only needs $50k/yr to live off of, he only needs a 1.25 million dollar nest egg to fund his retirement without running out of money.
Given the same stock market performance, it would take Fred 15 years to retire with 1.25 mil.
Jeb and Fred both increased their available cash by $50k.
One can retire 7 years earlier than the other.
If you make more money, you win once.
If you spend less money, you win twice.
Nobody will remember:
- Your salary
- How “busy” you were
- How many hours you worked
People will remember:
- That time you ran a DELETE and forgot the WHERE clause