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Joined 2 years ago
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Cake day: June 8th, 2023

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  • Is the 401k plan from your previous employer? I’d first check if your plan admin will let non-active employees take loans out. Otherwise, if it helps your decision, the interest accrued from a 401k loan goes back into your own account, so it’s like you’re paying yourself interest. The main pitfall would be making sure you can pay it back on the agreed upon schedule, otherwise you get penalized. Also, while your money is removed from the market, you’re technically losing out on potential growth, but sounds like you’d benefit more from having access to the money now.

    Honestly, if it were me and it would set me up for a career and I probably would do it and just make sure to contribute as much as I can to my retirement once I’m able to. Some alternatives would be a credit card or retailer with a fixed fee pay-over-time feature or a 0% interest intro offer. Failing that, you may just to get creative (sell things, pick up some side gigs, etc.)




  • Yep, I’m starting to shift more of my online time to fediverse apps. I agree that it’s refreshing to see the internet back in the hands of regular people who just want to create, share their interests, and be entertained.

    Compare that to corporations who just want to extract as much value from you, keep you addicted to scrolling by tuning their algorithms to feed you polarizing news, and track and sell your personal data. The last straw was seeing these billionaires change their company cultures overnight to kowtow to the current administration.

    I remember the internet in the late 90’s and early 00’s. The fediverse gives me a little bit of that nostalgia vibe. I hope it stays active and gives people an alternative to the walled garden dystopia companies have turned the current internet into.









  • Very disappointing. Been a paid Proton user for over 5 years and now looking to migrate. The supposed party of the “little guys” also nominated an FCC chairman who gutted net neutrality and whose court appointed judges and FCC chairs blocked the Biden admin’s attempts to reinstate it, but yeah both sides are the same. Say nothing of the other egregious policies that clearly benefit the wealthy at the expense of the average citizen.

    Proton is supposedly neutral, yet blatantly praises the party in power while denigrating the other. Privacy is a political issue and the party you’re aligning with has a track record of eroding freedoms so even the non-apology doesn’t square.