Tumgik
#adulting
bitchesgetriches · 3 hours
Note
Hey Bitches!
How long have you had Acorn? Do you still recommend it for first time investors? And for any particular type of account? On another note, do you recommend have both a IRA and a 401k? Or stick to one to start?
I've had Acorns for about 8 years and I still definitely recommend it for first-time investors. I think the basic brokerage account is all you need, but you can evaluate their checking/debit account and other products for yourself. Remember--personal finance is personal, and your needs might be different from mine!
Here's our Acorns sign-up link if you're interested (we'll get a kickback).
I definitely recommend you have multiple retirement accounts (both a 401k and an IRA or similar). It's the basic concept of not putting one's eggs all in one basket. I have a brokerage account, a 401(k), AND a Roth IRA and I'm very happy with the setup.
Here's more advice, my sweet lil bee:
How To Start Small by Saving Small 
Cheat on Your Bank—It's Not Your Girlfriend 
Dafuq Is a Retirement Plan and Why Do You Need One? 
Did we just help you out? Tip us!
22 notes · View notes
Text
Tumblr media Tumblr media
Source
154K notes · View notes
airagorncharda · 7 months
Text
For any followers of mine still living with parents, guardians, family, or even just with roommates and who've never lived alone and/or fully on your own terms (whether ye be 16 or 60), I have TWO pieces of wisdom for you for when you eventually do:
You WILL discover that you were wrong about some shit you felt pretty strongly about before. Maybe you never realized how often your mom ACTUALLY cleans the bathroom and it turns out she asked for help really rarely. Maybe, much as it grates to admit, putting $50 into a different savings account every paycheck really IS the ONLY way to save any fucking money. Maybe that big rolling trashcan you resented your roommate putting in the kitchen, and got in that big fight about, really WAS super convenient and now you have to buy one for yourself after they move out and take it with them. Maybe blanching vegetables so they retain their color when cooked actually DOES enhance a meal, pretty food slaps actually, and the reason you didn't think it was worth the effort is because you were depressed.
You WILL also discover new shit that works SO much better for you than everything you'd been taught. Maybe you'll discover that dropping trash off at a recycling center at your convenience works way better for your brain than getting it picked up on a set day. Maybe you'll realize you don't actually hate tofu, you just hate how your family cooks tofu. Maybe you'll love being able to walk around the house naked whenever you want. Maybe you'll find you thrive in a space with giant framed nude photography, or taxidermy animals, or fandom themed Everything. Maybe you'll realize that keeping the thermostat set like 5 degrees colder (or hotter) than is typical makes you sleep better than you ever have before in your whole life.
The point of this wisdom is: Stay humble, but also, stay excited. There's no point pretending you weren't wrong about shit you were wrong about, just eat the crow and move on. But also, there's so much to look forward to about your own space-- even more than you could ever imagine when you don't have it yet.
28K notes · View notes
catchymemes · 1 month
Text
Tumblr media Tumblr media
15K notes · View notes
macgyvermedical · 8 months
Text
PSA:
Acetaminophen/paracetamol has a hard stop upper dose limit, above which it becomes extremely toxic.
That limit is 4g (8 “extra strength” (500mg) tablets) in 24 hours (about 2 tablets every 6 hours).
A single dose of 22 extra strength tablets can kill you.
Taking 12 or more tablets per day for more than a week can also kill you (this is about 3 tablets every 6 hours).
Symptoms of overdose take up to 24 hours to manifest, and are fairly difficult to distinguish from other problems. They include abdominal pain (especially right upper quadrant), nausea, malaise, and confusion.
The antidote (n-acetylcystine) must be given within 8hours of ingestion in order to be useful.
After 10 hours the only thing that will work is a liver transplant.
You might think “why would I ever accidentally take so much?”
Well, acetaminophen is in almost everything in the cold/flu/pain aisle. Migraine combos like Excedrin, cold and flu combos like NyQuil, basically anything that says “non-aspirin pain relief”, and anything that’s branded as a fever reducer. It’s all probably acetaminophen/paracetamol.
So the goal of this post is to get you to read the labels on your medications. Because taking taking Tylenol and NyQuil together for a week (like you might if you had the flu) could kill you.
22K notes · View notes
samwisethewitch · 6 months
Text
*takes your face gently in my hands and looks sincerely into your eyes* listen. your home does not need to look like a showroom. homes are meant to be lived in, and that means a certain amount of mess. it's okay if there is clutter on your desk or if you don't remember the last time you cleaned your oven. mess is morally neutral. but at the same time, you deserve to live in an environment that is safe and comfortable, and that means someone has to clean sometimes. things like mold, spoiled food, and dirty litter boxes are genuine health hazards and need to be dealt with before they make someone sick. think of cleaning less as "my home needs to be completely spotless" and more as "I am an animal and I need a habitat that is free of hazardous material." it's okay. *kisses you on the forehead and tucks you into a blanket*
(and of course it is always acceptable and even good for you to ask someone else to help you with cleaning if it's physically or mentally difficult for you. even if you're paying them to do it.)
9K notes · View notes
joytri · 7 months
Text
Tumblr media Tumblr media Tumblr media Tumblr media
those were the glorious days
9K notes · View notes
weirdplutoprince · 4 months
Text
Tumblr media
bunny comic
7K notes · View notes
kedreeva · 2 months
Text
I don't know if they'll be good or not, BUT, Michigan State University is offering a free "course" online over Zoom, "Adulting 101," where they present about various adult-life topics; finances, banking, relationships, cover letter and resume writing, traveling, cooking, jam making (??), voting, that kind of stuff. Might be worth sitting in on and seeing what they have to say.
Here's a link if you're interested in checking it out, the next class session is on Feb 12th.
2K notes · View notes
lazyyogi · 2 months
Text
The secret to adulting is this:
Learn how to reduce your resistance against the things you know you have to do.
You don’t have to like it or enjoy it. You just need to stop avoiding, delaying, or ignoring what you know to be in your best interest.
With repeated experience of the benefits, you will learn a new kind of appreciation for the practice we call “adulting.”
2K notes · View notes
turns-out-its-adhd · 6 months
Text
Tumblr media
3K notes · View notes
luulapants · 11 months
Text
Existential despair is so common in a person's twenties, I think, because up until that point, we've had a pretty clear road map for what's expected of us and we haven't had much reason to question that map. There are still a few milestones outlined for us (start a career, get married, make babies) but more and more young people are entering the post-school world and realizing:
A) that career thing just isn't happening like they said it would
B) I'm not ready to get married/I don't want to get married/marriage isn't the sort of life-altering event that it used to be
C) I'm not ready to make babies/I don't want a baby/I can't afford to raise children right now (see point A)
And in the absence of these milestones to shoot for (which one could argue weren't the promise of fulfillment they claimed to be in the first place), what we're left with is this aimless abyss of "the rest of our lives" sprawling out ahead of us with no indication of how it will go or what we should be doing to shape it. Young people start their first jobs, find they hate them, and think to themselves, "Is this it? Am I just supposed to do this job until I'm too old to do it or die first?"
Which is, yeah, really fucking depressing!! So here's my best attempt at an alternate roadmap for young people that don't vibe with the old model. Please feel free to add in your own suggestions!
Learn how you work and what you want out of a job. Unless you've been in a job-specific training program that gives you hands-on experience, your first jobs should be experiments. Learn how a full-time job feels for you, what elements are more or less difficult. Different workplaces have different cultures and expectations - what do you need out of a job environment? Do you need to find fulfillment in your job or is it enough for it to pay the bills and leave you time to find outside fulfillment? Do you want to climb a corporate ladder or are you content to hunker down as long as your bills get paid? This period of experimentation is exhausting and may feel like it's consuming your whole life.
Learn how to make time for things outside of work. Adapting to a full-time work environment often leaves you feeling so drained that you can't do anything but go home and collapse on the couch every day. That's fine - for a little while. But it can also become a habit. You need to learn how to do things after work or you'll go crazy. Go to a trivia night. Start an exercise schedule. Take a class in your community. Find volunteer work. Join a band. You will find that putting more things into your day makes you feel like you have more time, not less.
Find a community. Making friends as an adult can feel impossible. Where do you find these mysterious friends everyone seems to have?? This goes along with #2, though. As you start regularly attending the same activities, you will find that repeat interactions with the same people turn into friendships or at least friendly acquaintances. Say yes to invitations. Get involved in your local community. Strive to be connected enough to bump into people at the grocery store.
Unlearn bad lessons. We all internalize some messed up things when we're growing up. As you start off your adult life, that's the time to actively work at unpacking the things you've brought with you from childhood and deciding which things are helping you and which things are harming you. This might mean therapy or joining a spiritual group or reading new things or just making special time to be in your own head.
Learn the lessons you missed. In this, I mostly mean practical things. "Adulting." Areas of your day-to-day practical life that are causing you extreme stress are probably related to a knowledge or experience gap. Do you hate cooking and cleaning or were you not taught how to do it properly? Are you afraid of making medical appointments or is it just something new you're not used to? Does money make you queasy or do you need to learn how to make a budget?
Find something fulfilling. This can be your job. It can be volunteer work. It can be faith. It can be a hobby. It can be creating things. It can be challenging yourself physically. It can be activism. It can be going for walks in nature. Everyone finds fulfillment in different places. If you're not finding it where you are, look somewhere else.
6K notes · View notes
Text
My roommates keep stealing my tools because they don't have any, so I'm curious
2K notes · View notes
fretbored34 · 1 year
Text
Tumblr media
And now everyone's pushing their way onto the Tumblr lifeboat
20K notes · View notes
flamingbluepanda · 11 months
Text
How to Camp for Beginners
Hello! Tis I, your local boy scout/girl scout/avid gay camper, here to give some top notch Advice™️ about camping! The season is nearly upon us and the woods are a callin' so let's get out there and be safe kiddos!
Before you Go!
Make sure you find a campsite you like and that fits your comfort level! There's ZERO shame in picking a place with cabins, public restrooms, showers, heated pools, hot tubs- whatever your looking for!
Once you pick your campsite, make sure you know the area around it- especially if camping somewhere your unfamiliar with! Example questions to make sure you know: Where's the local hospital? Where's the closest grocery store? Gas station? Are there rangers at your campsite and how do you get in contact with them? Does your campsite provide anything at all as a courtesy?
Also make sure you know the wilderness around you and prep accordingly -- if your camping in a site with bears during their non hibernating months, make sure you bring bear safe trash recepitecals if your campsite doesny provide them
Bring people with you. People you know and trust. Seriously, the buddy system saves lives. Do NOT camp alone unless you are an EXPERT and know the area EXCRUCIATINGLY well. This is also not the place to go with your new romantic partner/friend/friend or partners family -- some people are very good at pretending to be safe and getting you alone in the woods is when they stop pretending.
Pack layers. Make sure you bring at least one set of sweatpants and hoodie, bonus points if their insulated. It gets very cold at night in most wilderness locations, even in the summer.!
Bring at least one set of waterproof clothes, including rain boots and a waterproof coat.
Pack however many sets of underwear and socks you think you need to bring, then pack more. Bring an overwhelming number of socks
Bring good sneakers that are broken in but not worn out
Flashlight with extra batteries and a portable battery cube, fully charged
Make sure you have sunscreen and bugspray, your skin will thank yoi
While packing food, make sure you bring things that will last the trip in an insulated bag or cooler. Don't buy your ice until your close to your camp. Some campsites will even offer bags of ice at the ranger station!
Bring PLENTY of water. My brother always packs ten nalgenes full of water, others bring a big pack of water bottles. Stay hydrated!
If you're bringing a furry friend, make sure they are fully up to date on their rabies and Lyme shots
Pack In!
Make sure you have a full tank of gas when you arrive at your campsite
I personally like to leave my phone in my car while I camp. Bring books/art supplies/journals or whatever you do for fun -- if that's your phone and you have service, great!
Having said that, if you ARE having a technology free camping trip, pick one person in your group with the best phone and declare them the emergency phone person
Best doesn't mean newest -- your friend who hates capitalism and has a Nokia that can survive nuclear fallout should be picked over your friend with the brand new super fragile iphone
Make sure the emergency phone remains fully charged and comes with you when you leave the campsite. Most emergency calls will work without cell service, but a dead phone can't make calls
Make sure you get the rangers number! Rangers are your friends, they want you to have a safe trip and are there for all your questions!
Also make sure to respect the rules of whatever campsite you're at -- if you're on boy scout property for example, you absolutely CANNOT bring alcohol. If you're having a fun adult camping trip, make sure you know the weed laws in that state before your puff and pass.
While setting up your campsite, try to find somewhere dry, that's not located near the bottom of a hill or next to a river.
Try to find places that don't have a ton of loose rocks or dirt, but where the ground is soft enough to nail in stakes for tents/canopies
Most campsites will have an assigned area with a fire pit, but if yours doesn't, make sure you collect enough rocks to build a fire circle before roasting any s'mores!
If your campsite doesn't let you bring cars past a certain point, make sure you know the fastest and safest route to the parking lot
I cannot stress how important it is to make sure you know the emergency numbers -- if theres a medical emergency, you may not be able to get someone to the car. Rangers will have ATVs and paramedics will have the skills to get people out of situations
Make sure your first aid kit is well packed with plenty of bandaids antiseptic and gauze- triangle bandages are also a versitle tool that can help with sprains splints and holding bandages in place. Preferably bring someone who knows at least basic first aid or CPR -- if you can't find a friend with that knowledge, make sure to be extra nice to the rangers
Bring an extra large bottle of your preferred over the counter painkillers -- dehydration and too much time in the sun can cause headaches! Also nifty for twisted ankles or sore backs from sleeping on the ground.
If you forgot your tent stakes, that's okay, put a spare cooler/bag/something heavy in the center of your tent to weigh it down in case of high winds.
If you forgot your rain canopy, a ripped trashbag will work in a pinch, but be warned: it's gonna get hot as HELL in that tent
During your Trip
Sunscreen and bugspray every day- even cloudy days have high UV rays, melanoma kills
Whether cooking on portable grill or campfire make sure your meat is fully cooked.
Chopping your produce and meat and cooking them in two separate packets of tin foil makes delicious meals, plus it's easy to check how done it is
Speaking of fires, make sure you have fireproof gloves and tongs if cooking over a campfire
Zip tents if rain is predicted but believe me, tents are like fucking hot boxes, so try to get as much air movement as you can.
If your campsite doesn't have latrines/portapotties/bathrooms (and you didn't bring one) be a good friend and make sure your camp's designated potty site is down wind of your camp. Also, human droppings can attract animals, so make sure it's a good distance away
(seriously though consider bringing a porta potty they make ones for campers)
CHECK FOR TICKS!!!! CHECK FOR TICKS EVERY SINGLE TIME YOU CAN!!!
Ticks like warm, dark places, so make sure you check behind your knees, under your arms, the back of your neck, in your socks and your privates! Ladies- that includes under the boobies. Wearing long pants, high socks, or long sleeves can be a simple and efficient tick deterrent, especially in marshy areas or tall grass. Don't forget to check your pets if they came with you!
If you find a tick, get some tweezers, grasp as close to the skin as you can, and slowly but firmly pull down on the tick- remember, you want the head out. You can also use a credit card or any other dull edge to help push downward.
Wet feet cause blisters, so always wear socks and change them often. If you get a blister, DONT POP IT, cover it with a bandaid or surround it with moleskin
Hydrate hydrate hydrate hydrate, drunk water every fifteen minutes even if your not thirsty
Remember to respect the nature around you- don't go pulling leaves off trees or disturbing animal dens, stay away from pretty much any animal- yes, even deer, bucks can and will gore you If frightened enough, deer can tramble you and even the cutest little Birdy can carry rabies and other diseases.
Poison Ivy has three leaves, poison oak looks like a strangling vine, and poison sumac has berries. Make sure you know what grows in your camping area.
If you brought a pet, don't let them eat any plants!
Make sure to use the buddy system especially if someone starts feeling ill- a lot of really dangerous illnesses start out looking a lot like colds and flu
Make sure to have a bucket of water next to your campfire, and every night make sure to completely douse your fire before turning it. Splash water on instead of dumping and make sure every ember is out- remember, only you can prevent wildfires
If you brought a gas powered generator for your campsite, make sure it's as far away as possible from the fire pit. Also, they're quite loud, so maybe don't put it near your tent. Put it on the outskirts of the campsite and don't leave it running when you're not there
Pack out!
LEAVE NO TRACE!!! make sure you clean up ALL your litter, all of it, every single one. Check and triple check your entire camp site.
Make sure everyones tent poles and stakes end up with the correct tent- you'd be surprised how brand specific stuff like that is.
Especially don't leave any food items -- there's likely going to be another person filling that campsite soon, they don't need moldy food attracting critters!
If there's a sign out sheet, don't forget to sign out at the ranger station! If they had to evacuate the campsite for whatever reason, they'll need to know you're gone!
Do a final tick/other bug check- you don't need to be bringing bugs home with you! Also check that there are no critters are in your supplies -- this sounds obvious, but you'd be surprised where snakes and mice can end up.
Give your pets an extra good bath when you get home. You don't know what could've gotten stuck in their fur!
Tick/spider bites tend to look like bullseyes. If you develop bullseye shaped rashes after you get home, seek medical attention.
Most of all, have fun and be safe!!!
4K notes · View notes
earlgraytay · 2 years
Text
I feel bad responding to a very beautiful, poetically written ventpost with prosaic advice, but I'm going to say this:
Resilience is a skill. Being able to shrug things off is a skill. being able to curb your immediate emotional reaction to something, being able to process your feelings in a way that means you can do something with them rather than being consumed by them, and being able to soothe yourself til you can sit down and process those feelings? that's a skill.
It is a skill that you can learn, and it is a skill you can get better at.
unfortunately, like foreign languages, it is a skill that is easier to learn when you are a child. just like you learn a native language from the people around you, you learn from the people around you- usually your parents/guardians- how to react to things that hurt in the moment, how to soothe yourself until you can process them, and how to process them until they don't hurt anymore.
if you're highly reactive, the odds are good that, for whatever reason, you never learnt resilience as a kid. The people who were supposed to teach you how to handle the weight of the world didn't, or couldn't, or wouldn't.
if you try to learn this skill as an adult, you have to convince your brain to do things that it was never taught how to do, after it thinks it does not need to learn this anymore. in the same way that it's goddamn hard for a native adult English speaker to sit down and learn how to speak Russian like a native, if you never learnt how to be resilient when you were a kid? it's going to be a bitch to pick it up.
if you learnt "the world is scary and out to get you and there's nothing you can do about it, you WILL feel EVERYTHING ALL THE TIME" (or "showing your feelings in the moment will get you hurt, you need to bottle everything up until the bottle breaks and you get hurt with fifteen years of feelings at once", or "minor inconveniences are the prelude to The Adult In Your House Who Shouts coming down on you like a load of bricks, if things aren't going perfectly then you're about to suffer", or any number of other things), trying to learn that the world doesn't work like that any more is hard and it hurts. Unless you're really good at figuring out what you're thinking and why, you will probably need to get professional help.
You're not from the wrong planet. You just never learnt something that's as basic a part of being a human as talking or counting. You were failed, and it's cruel and unjust that no one helped you pick up the slack.
....But adults learn Russian every day. Adults teach themselves Russian every day.
You can learn how to do this. You can learn how to get better at dealing with the stuff that hurts you. You can become more resilient and less reactive.
you are not doomed to get hit by everything that happens to you like it's a truck forever.
14K notes · View notes