Ideally, you set aside 3 to 6 months worth of your typical monthly spending to cover (some) emergencies and job loss, then invest everything else. 401(k) is still tax advantaged in the same way as an IRA, and you can typically do roth contributions to a 401(k) too. So there are benefits to going above your employer match.

But, you’re right that you don’t want to trap all of your money into a retirement account either. You’ll probably want to make large purchases like a car or house. In that case, you plan out a timeline and invest in less risky things depending on how far out you plan to purchase said thing.

The overall idea of “invest in index funds as much as possible” can be applied generally, but the amount that you contribute and in which types of accounts heavily depends on the individual.

I just wanted to point out that 401(k)s without employer matching are basically just IRAs with high yearly caps because it took me a few years to realize that, and I fancied myself financially literate. It can be a good idea to contribute more, so long as you don’t need the money elsewhere.

As best as you can, max out Roth IRA with an S&P 500 fund like VOO or a targeted date index fund. Also contribute to a 401(k) as much as possible.

Lol, I’m not from Germany but I seriously doubt they’d fail you in a driving test because you put the car in neutral before you start it. That’s just ridiculous.

The headline focuses on the wrong thing. Making a bunch of crappy songs and uploading the to Spotify and other streaming services is perfectly legal, AI or not.

The illegal part is that he created lots and lots of fake accounts that constantly streamed his songs and masked them to look like authentic listens. So much so that he was making $110k per month. That is straight-up fraud, which is what he was arrested for.

It has nothing to do with AI, but that makes more people click on the article.

� is used to represent an invalid character, so it makes sense that it’d appear often when bad data is being rendered (or good data is being rendered improperly).

Grep is as high power as vim and emacs??? In what universe?

Thing is, it already was ubiquitous before the AI “boom”. That’s why everything got an AI label added so quickly, because everything was already using machine learning! LLMs are new, but they’re just one form of AI and tbh they don’t do 90% of the stuff they’re marketed as and most things would be better off without them.