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Joined 3 years ago
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Cake day: June 11th, 2023

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  • Chat GPT came out in 2023. To the extent there was a bubble in 2021 (crypto and EV come to mind) those frothy parts of the market have deflated.

    Thought it was worth adding to your comment that getting rich by taking extraordinary risk may not be “optimal”, and that looking at upside outliers is a bad way to decide what to do with personal finances.

    If what you’re advocating is buying well diversified, low fee, investments with a long time horizon then carry right on though.








  • Yeah, again this is just semantics, a 401k in British English is 100% a pension. A UK defined contribution “workplace pension” is just a tax sheltered retirement account until it is annuitized, which is common and sensible but not necessary. The annuity is technically a totally different product, offered by life insurance companies (who interestingly with reference to above conversation would typically hold very little equity exposure backing it). Brits also call the equivalent to the social security retirement benefit the “state pension”. It’s a catch all for assets you use in retirement. Whether that’s used to fund an investment drawdown product or a life annuity or just taken out and splurged on a Ferrari makes no difference.







  • Some of your examples of harmony involve fourth wall breaking, which is interesting because I had always thought of the harmony between game and story as about immersion You’re right though, being seen as a player for what you are trying to do is the essence of harmony. That is if you’re trying to immerse, being wrenched out of it is bad, but if you’re taking the piss, the world should take the piss right back. Hard for a game to do both, but I had vivid memories or baldurs gate 1+2 characters talking to their “omnipreseent authority figure” that walked that line perfectly.