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Joined 2 年前
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Cake day: 2023年6月15日

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  • [US] I have a z-wave network of Zooz Zen04 power-monitoring plugs and Minoston MP21 non-monitoring plugs. Automatically set themselves up by scanning the little QR code, Haven’t had any network drops or device failures in…3(?) years. One Zooz Zen15 high power, monitoring device occasionally (every few weeks) glitches and reports an spurious, instantaneous 5-20 kWh energy consumption







  • Sounds like this is a good opportunity to learn something about yourself. It sounds like you don’t have any immediate needs for this windfall and it sounds like you don’t have strong desire to spend it frivolously. That’s good. Maybe you’re looking for an excuse to spend it frivolously. A lot of young people, given a big wad of cash, will rush out and spend it on some aspirational thing or experience - generally something that’s been all over media, or that their favorite influencers have raved about - then be left with the thing, which isn’t as cool after a few weeks or months as it seemed, or the memories. That pile of money came easy, left easy, so it doesn’t feel any different to be without it. That’s a trap known as the hedonic treadmill.

    You can do this experiment on yourself: take some of that gift - enough to feel like “a lot” to you - and get yourself a nice bit of bling. Something you’ve had your eye on for a while, but never thought was realistic. Write down why you chose that thing and maybe a 1-10 scale of how much you think you’re going to enjoy it. Come back to that page in six months.

    But I would definitely put most of it into some broad-market index/mutual fund, whatever’s available in Sweden. Making saving/investing part of your money habit early in life is a hell of a lot easier than trying to change bad habits later. And I don’t think your sis/BIL will offer you retirement the way they did your parents.


  • The short answer is: any amount of money is ‘worth’ investing.

    $10k at 6% for 40 years is $100k. That might let you retire a couple years early. Conventional wisdom, among people, let’s say 40+ years old, is going to focus on retirement, wishing they’d started saving earlier, and the incredible power of 40 years compound interest.

    At 19, though? You’ve probably got college and the potential for student debt coming up. Your first car. The down payment on a house. All of those things can be considered “investment,” too. They might have much better benefit to you, both in the short term and the long term. Or, if your BIL is ready to drop $15k as ‘pocket money,’ maybe you have enough family support that none of those things will be a concern. Hell, maybe you have enough family support that working a job from which to retire isn’t even a concern.

    This is a marshmallow problem. Do you want to buy a car, take a fantastic trip somewhere, or just gamble like a big shot right now, or would you rather have less college debt, buy a nicer house, sooner, or retire earlier? Nobody else can tell you what you’ll enjoy more.