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GoodMorning he/him  8mo ago (reddit.com) Edited 8mo ago 3,959 thread views #198646

some cracker with a guitar and $10000000 in industry backing debuts at number one, swifties and chart autists at /r/popheads completely melt down

https://old.reddit.com/r/popheads/comments/15xej17/oliver_anthony_musics_rich_men_north_of_richmond?sort=controversial

Frick Oliver Anthony, frick all this country bullshit that keeps going #1, and frick everybody that's putting it there. If I had infinite astroturfing money, I'd find a bunch of Maoist death metal bands and flood the Hot 100 with their songs just out of spite

:#marseyrage:

When will the racist country music epidemic end?

:#marseycry:

Congratulations to Taylor for another #1!

:#marseyseethe:

Sisters and Brothers we lost 😰

:#marseycrying:

It's no coincidence that this song went to number one AT THE SAME TIME that a woman in California was shot and killed over waving a pride flag. EVERYONE STREAM CRUEL SUMMER OR LITERALLY ANY OTHER SONG SO THAT THIS DOESN'T HAPPEN AGAIN. WE NEED TO DO THIS FOR THE SAKE OF OUR Society

:#marseyraging:

Hope his ugly butt dies

:#marseyreportmaxxer2:

it's so fricking over if this racist butt industry plant can get no. 1

:#marseyitsover:

BONUS XITTER SEETHE

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Almost anything is better than that. For fricks sake man at least do ladder GICs so youre not getting btfo by inflation

Here is a simple, unfrickable, r-slur tier passive strategy:

Put whatever your emergency fund is into laddered GICs so it will come available in staggered portions. If you need 20k per year in expenses then put 5k in a GIC, wait 3 months, put in another 5k, etc and repeat this

Put the rest of your money in broad based US and global index funds NOT FRICKING MUTUAL FUNDS. Make regular deposits on a schedule ignoring whether it is currently up or down. Never look at it again.

Thats it. Congrats you are still losing money to inflation but now way less.

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See I've literally never heard of "laddered GICs" before in any previous investing advice threads.

Everybody has their own opinion of the foolproof financial plan. Yeah sure I'm losing money to inflation but when I'm saving up 20k+/year, contributing plenty to my 401(k), and have no debt, does it really matter?

There's a nonzero chance that taking financial advice from this website backfires

https://i.rdrama.net/images/16926647587527215.webp

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Yeah I mean I get it we're all a bunch of r-slurs on a orange cat gay dating website so just pay someone smarter than you to take care of your money darn

If you're not sure who to trust for financial advice, find the richest person you know that has a financial advisor and ask them for a reference

![](/images/16674454055116708.webp)

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You are correct to doubt internet advice but you are literally r-slurred if you are not capable of googling what a GIC is and assessing the risk (which is literally 0 unless your bank is insolvent, in which case you lose your deposits above the fdic limit anyway, which doesnteffect you yet because youre poor but would in around 2 or 3 years at your savings rate). Laddering is fancy financial speak for "dont lock up funds you might need so that theyre all locked up for the same amount of time"

Tbh i think you are beyond help, enjoy being poor

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Don't be mean.

Just because i didn't immediately jump on your idea doesn't mean i rejected it and won't look into it.

I need a Marsey doing a tense tail wag

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>Don't be mean.

:marseysad::marseyrain:

There is a rule in the sidebar that says always be a huge butthole and cause drama

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index funds are mutual funds rslur, you mean not actively-managed funds (which you can tell by just looking at the expense ratio, if it's over 0.15% run away, ideally should be 0.05% or less)

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