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Joined 1 year ago
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Cake day: June 12th, 2023

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    1. Started a small mutual fund and retirement fund when I was just starting out and still in undergrad. I did not have much and was fully self sufficient. But someone came to my job and showed us how retirement plans worked and convinced me to start one. Same with a mutual fund. I never put more than $20-$40 in each because I didn’t have much but boy did that pay off.

    2. I purchased a small condo in the city with some of the money I put away in #1. Just sold it recently (20 years after purchasing it; lived in it for 5 years, rented it out for a profit for 15 years). I made a lot of money off that sale. More money than I’ve ever seen at once.

    3. My spouse and I have always lived below our means. Now we’re not frugal - we go out for nice dinners, travel, have kids. We also have good jobs. But, when we purchased a house we could have afforded to get one that was $600k and instead opted for a smaller townhome in a nice neighborhood for almost half the price. Living this way has paid off more than I could have ever imagined. Both of us don’t have to work. We travel whenever we want. We could technically both stop working in our 40s/50s and probably be fine. It’s a feeling of freedom. We’ve never over-extended ourselves. When our colleagues and friends were buying expensive homes and expensive cars and extending themselves, we just didn’t do that.








  • So a few things. This is a CVS minute-clinic visit, not a visit to a general provider. The minute clinics have contracts with insurance companies that look a bit different in terms of what and who they are permitted by the insurance companies to treat. There are some really odd variations in these contracts by insurance companies for reasons that are not always grounded in science.

    This, as you’ve noted, is an unfortunate reality of a for-profit health care system that is dictated by private companies, insurance companies, and mind-bogglingly complex contracts that sit between providers and patients. The most annoying part IMO is that insurance companies provide zero transparency into these contracts and the justification behind decisions. It’s all “business decisions” at the end of the day, not decisions that are medically sound and in the best interest of the patient.

    And for those wondering why OP maybe just didn’t go to a “regular doctor” - the U.S. has a horrible shortage of general practitioners (primary care) physicians. This shortage is worse in some areas than others. And even if you’re lucky to live in an area that has general practitioners, the waiting list to get into their practices might be long. This leaves many people relying on a “doc in the box” aka CVS Minute Clinic or some similar outfit. These doc in the box clinics often only have a nurse or nurse practitioner on site, with a supervising physician off side. They are for-profit entities and they work with the insurance companies to design their contracts to maximize profit.

    If you ever find yourself in OP’s physician, one easy way to get around this is to indicate that the visit is for something more general, like abdominal pain or unexplained fever. While the staff still might refer you off to another provider, it might be a good way to at least “get in” with someone.

    Another option is to visit a local urgent care clinic if one is available and covered by insurance. These are often staffed by actual physicians so they can treat a wider range of conditions. Many often even have testing facilities right on site for a number of issues.

    Finally, another option is to call your insurance company and see if they have an over-the-phone nurse consultant available. They can usually help direct you to the right location for treatment based on your symptoms and insurance coverage.

    But yes, OP, I agree with you that we need something better. Medicaid and Medicare have slowly been expanding and my hope is that they will eventually expand enough to cover all Americans. it has been proven that they can still operate without completely decimating the insurance industry (see Medicare and Medicaid managed care). While I don’t agree with for-profit health insurance, the reality is that they are a lobbying force that has to be worked with if we are going to get everyone universal coverage.

    Source: Health policy professional by trade, extensive experience within the health care industry




  • Highly doubt it. I’ve been watching coverage and it seems pretty unlikely they will be found before their oxygen runs out (assuming they are even still alive and haven’t died as a result of an implosion).

    What irks me with all the coverage, however, is that no one is pointing out the potential harm to all the people involved in trying to rescue these people. The Coast Guard and other outfits undertaking the rescue attempts are put in danger the whole time they are out there. And of course there’s the cost involved as well.




  • For people who were more than just the causal browser/lurker, Reddit was an amazing place to not only obtain information about very specific things, but also to connect with other people. I have type 1 diabetes and the ability to connect with other type 1 diabetics to commiserate, share information, and seek help on Reddit was like nothing else anywhere else on the internet. I have a few other niche interests that also only had communities on Reddit.

    Years ago, these things (health conditions, niche interests, etc) all had their own separate forums scattered throughout the internet. One forum might have a few dozen people, one might have a hundred or so. But Reddit quickly became the central place where we could connect. Whereas forums could maybe attract a few hundred people, subreddits could connect with THOUSANDS. There’s not yet been anything else like it.

    Unfortunately, we made the BIG mistake of relying on a for-profit, centrally owned company to function as a town square. Same with Twitter. We found value in sharing information and connecting through these platforms, only to get screwed over by billionaire CEOs.

    Hopefully we have learned our lesson. Hopefully something comparable will take Reddit’s place. It’s not going to happen over time. I never expected Mastodon to replace Twitter overnight. But slowly, very slowly, at least some people are seeing the downfall of corporate social media and will hopefully slowly switch over to federated alternatives. I don’t think it will happen quickly, nor will it happen for everything. But I do think it’s already happening. And it will happen faster if we get some good mobile apps.