man some people are just really going hard with this whole chat thing it's a beautiful satruday how are you going??
Haha Hi Z! How have you been? What is your code name anyway? I'm doing good. I'm just relaxing and later on I'm going to a family get togehter.
I'm not sure what my code name is this round Haven't checked yet but this round is going a lot quicker than the last two people are really catching up to the hype ahh cool that sounds like a lot of fun! I'm just mostly using the chat to get the raffle and work on my typing speed I met someone on here who typed really fast and it got me inspired a bit you must be in the top 3 for sure! Chatting 9:30 in the morning is quite a lot of dedication you have there
I've actually been chatting since 6am. So yes I'm very dedicated! But yeah I've met a lot of people who just want to get into the raffle. Yeah I type pretty fast. I'm not sure what the speed is exactly but probably a few hundred words per minutes. But yeah it's crazy how fast it goes. So each round is only 2 weeks. This round will end on November 2nd. Then they will start another round and everyones score will go back to zero.
wow awesome. You must be the dude with the million so you've probably made around 200 this morning wow a few hundred words?? The world record is about 170 to 190 you would be the world record holder yeah I've enjoyed watching how the rounds change from the beginning I've personally met the winners from rounds 1 and 2 cool people
You met them in person? How did you do that. Yes I am the dude with the million. So the world record for typing speed is 190 words per minute? Wow thats crazy. I'm probably more around 90-100 then . I was thinking reading. Reading I can go about 600 words per minute but thats a lot easier because it's all in your head. Anyway, I digress, what do you have planned for this beautiful Saturday morning?
yeah something like that, at that point, their fingers are literally hitting every key you have to have some brilliant technique to do that
Thats crazy. Yeah seriously. They probably work for the FBI as trascribers or something.
the chit chat challenge has helped me clean up my typing a lot my pinkys are a lot more independent now
Oh yeah. It's hard to keep it up especially after you've been doing it for a while.
wow that's a pretty fast reading speed I reckon
Haha that's funny!
I have absolutely no plans for today other than school I just got to the labs and I'm excited to do lots of homework
My forearms and wrists start to get sore after a while so I have to take a break. Oh cool what lab are you in? The Chemistry one right?
CS labs!
Yeah I have homework too but I'll probably do it later. Of cool what do you do in the Computer Science labs?
haha I used to be like that when I had to move hands around to hit keys that I wasn't good at hitting like backspace and apostrophes but my staminas gone way up now that I can pinky them without thinking about it
I hate apostrophes. And the numbers at the top of the keyboard.
I live in the labs haha I love the quiet environment
Yeah thats true.
and massive computer screens I just do all my homework here plus it's warm most of my classes are between the JKB and the TMCB
Yeah, it's so cold outside now it's probably nice to do homework inside where it's warm. Do you usually hang out on campus on saturdays then?
yep! and sundays, really I get to school really early and just study until church starts and study after chuch how about you? I hope your life is a lot more interesting than that
Wow you are dedicated. I couldn't do that. I spend too much time on campus during the week. I like to take a break on the weekends. Um yeah it's interesting! I mean I don't do too many crazy things, I mostly just spend time with family and study and eat. I like food, see.
cool1 what kind of food do you like? I really like food too, but budgets typically take precedence over decent food.....I'm not being very healthy at the moment
Do you have a favorite food that you like to eat? Ohhh I see. Yeah it's hard. You should shop at winco! So I love burgers, but I don't eat them that often becasue there are bad for you. But I still love them. My wife makes a killer Turkey Burger.
I'm from asia so I really like asian food but right now, I love free food or cheap food wow that sounds really good! I don't eat many burgers
What part of Asia are you from? I LOVE asian food too. We have from friends from Vietnam and they make amazing food. I love their spring rolls. Free food and cheap food is really good. But you can make good food cheap! You just need to cook it yourself.
I'm a huge mix of asian cultures but generally east asia yeah I know!!!! I love cooking and all that, but I love time more. I've been a lot more efficient this semester ever since I stopped taking time to eat lunch and dinner I save about 45 minutes each plus maybe an hour for context switching costs
That's really cool. I would like to visit Asia someday. My Grandpa worked in Asia for a while and I went to hong Kong as a baby to visit them. But don't you get hungry!? That is insane how can you go without eating? Do you just eat really big breakfasts? I would never survive.
I've adapted to it!! It all comes down to priorities. I just know that I'd rather be happy with my grades than feel good for an hour or two just for eating the amount of hunger is generally the greatest during lunch and it slowly drops as dinner approaches by the time I get home, I'm not that hungry anymore so I just go to bed I'll try to make it up in the morning by eating something at least but yeah, it's not a big breakfast or anything. Just two eggs and rice maybe?
Wow. Thats crazy. I'm impressed.
when it comes to money and food, I'm an anti-procrastinator?? if that makes sense
So your grades must be very high then.
I always manage to convince myself that it's better off to spend / eat later
You're GPA is probably a 3.98
hahah I WISH I had a really relaxed freshamn year so I'm making up for it the prospects of academic scholarships help too
Yeah that's true. It's nice to have scholarships and not have to worry about tuition. But just think about it. Your brain needs nutrition and food to function. Maybe eating more would help you study better?
I agree! and I had a little bit of a moment this week
What do you mean?
I had 3 midterms and I was just studying like a mad man. But the I felt kind of sick and it was the most frustrating thing ever to not be able to remember anything that I had studied I got so fed up and figured that I should probably eat something healthy. So I went grocery shopping for the first time this month! I felt better instantly and the information
Yeah seriously I totally understand. Nutrition is so important. You need protein and fat fore you brain. Do you like Walnuts? Those are good brain food.
actually came rushing back like crazy!
Just carry them arround with you and snack on them.
We always hear about how food and sleep yada yada yada, but this was my first tangible experience with that
Yeah I know right!? See it totally makes a difference YOu should invest in a crock pot
it's funny that the only thing powerful to get me to spend money or eat are grades so that was pretty hilarious
You could make a large meal and save it and then it would be ready for you. You would put in about an hour making it and then it would last a few days so you would save a lot of time. But yeah that's funny. I hope that doesn't happen again!
haha yeah I know all good advice I just have to take it...
Yeah! Also with budgeting spend more time in the produce section. Stuff is cheaper there. Also opt for only one protein per week. That helps you ration it more and save money. Also if you meal plan then you won't buy things you don't need. You can go to the bulk section and only get the exact amount you need, thus saving money. It's a good gig really.
that's awesome! yeah I typically just buy a bag of frozen vegetables and maybe a pound of chicken the rest are the cheap things like onions and cabbages I never buy cereal or snacks It ends up being around 30 a month, assuming that I won't have to rebuy condiments or oanything
Oh yeah you probably are doing really good! That's really good! Thats even less than me! but I buy for two people haha so it naturally is a little more
yeah I love saving!!! a minor obsession of mine I do need to start getting a roth IRA set up though just trying to get to FIRE as soon as possible
FIRE?
financial independence retire early
Oh yeah thats a good goal! How do you plan to do it? Real Estate is a good way to go. Or you could do stocks. But yeah
Hopefully, I can get my coding skills up a little and I'll start making algos for trading and build things on the sid like web apps or iOS apps
And start a online business? That would be cool. They have trading algorhythms?
but yeah, I have really simple goals to get there my ultimate dream would be around 2k post tax in passive income a month then I'll be happy with that forever
That's a great goal.
because I'd be saving 70 percent of that on my current budget
So here is a question.
and I'll let compound interest take the rest
A lot of people want to become financially independent and retire early and build wealth, yet few actually do it. What do you think determines who does and who doesn't?
FIRE has a lot more do do with thrift than sheer earning power that's the different most struggle to live within their means, and even few have the discipline to live far below their means it's a pride issue! we're conditioned to think that we deserve a certain type of lifestyle Utah instagram will show you that
Yeah that is a good point! Very interesting! I never thought about it that way. Do you think that people just don't know how though? Thats true though a lot of people will take out loans to buy things they don't need just to keep up with the jones. It's pretty sad.
yep! and that's why I'm not getting married any time soon I'll be looking closely for someone who shares the same values
What does marriage have to do with it? You could live off one income and save the rest.
and marriage complicates things when you're young from a financial perspective
AHh I see.
because it's something people don't consider enough before they get marreid just being compatible socially isn't really enough I think
How old are you? Sorry if that's invasive. Just curious
21
Cool. Well I was lucky enough to find someone with really good financial goals too and who is socially compatible as well. I got married at 22. It's possible.
It's just that if I got married, my rent would jump from 319 to 1000+ a month, or 500 each divided among two
But I think it's good that you have that in mind.
transportation costs, groceries, dates etc
Ahhhh that is true.
relationship stuff
Rent is crazy.
awesome! super happy for you that's a really mature thing to have considered before you got married
However, if you find a good deal (650-700 a month) and you're both working you can live off one persons income and save the rest. That's what we did. Then we had a baby so that ended haha.
yeah that too!! I'm determined to just be a cool cousin to all of my younger cousins haha no need for my own kids heaps of family ready to take up my babysitting offer anytime
You are missing out dude. I speak from experience. Money < Babies Maybe you will change your mind.
yeah I know! but from my perspective, rent in Hong Kong is about 2k a month for a tiny tiny tiny apartment if I'm working at a firm, then my hours will be brutal and my wife will be working too it's a lot less simple than suburbian bliss
I can see that. So you want to live in Hong Kong then?
well that's where I'm from so
Right. But if it is so stressful then why stay there? I mean I'm all for staying where you are from
hmmm
I want to stay where I grew up. So I understand
well the US is really a foreign place to me there's concerns of safety, any medical emergency blowing up all your savings, driving accidents drug use, teenage pregnancy a lot of those go away when I live in hong kong free healthcare, low income tax, zero capital gains tax, good schools, cheap public transportation I think the trade off is more competitive when I compare things like that
Yeah that makes sense. Plus it' just more familiar to you. It would be hard to me to live in a new place.
do you have any dreams for travel or anything?
The only time I lived in a new place was on my mission but that was different. Permanently would be way hard.
any particular things that you want to do
Travel?
where did you go again! love hearing mission stories
Yeah I have lots of places I want to go Oh I went to Bolivia! But yeah I would just want to have a nice home in Arizona that is stable but have enough money to be able to take fun vacations with my family. But then we would always have home to come back to Did you go on a mission?