Buy a bicycle that makes you want to ride it. If you get to the point where you no longer want to ride it, trade it in for another one that you do.
I can’t overstate how important it is take care of your mental and physical health. In fact, I would say that this is far more important than buying a house. Your mind and body are your primary home.
I miss riding a bike. I used to ride or [inline] skate or skate[board] everywhere as my primary modes of transport.
My oncologist told me that my osteopenia and osteolytic lesions mean that I must never ride a bike again, or skate, or even jog, in case of pathologic fractures.
If you have any suggestions, they’d be welcome.
No suggestions because I’m not your doctor and have no idea what would or would not be a potential risk. Just wanna say that damn, that sucks. I really feel for you.
You should definitely ask a qualified expert. I would think swimming might be a good option though. As well as being good exercise it can also be really pleasant and relaxing to just float and play in the water.
Always follow yourdoctors advice. There is a lot of snake oil out there that sounds good but will kill you.
To put a finer point on it, riding a bike is incredibly important for all sorts of economic and lifestyle reasons, not just for your health.
It’s time for this silliness to come to an end. You must ride a bike. We all must. It’s not a weird fringe form of transportation that only people in Portland and Colorado do. It’s just simply the way we all get around for moderate intra-city distances.
Ah yes, because we all live in areas where everything we need to access is a moderate intra-city distance away.
Nobody except you said “everything”.
I could change it to “anything” and still make the same point.
A better critique would be lack of ability or safe routes, since many workarounds are needed to allow kids and those physically less able to get around by two wheels.
The vast majority of adults travel within 10km of their homes for most errands, which is definitely possible to hit with an analog bike. Ebikes can enable making double that distance easy.
That being said, even in actually rural areas where you are biking on a narrow shoulder with 50kph+ traffic next to you 20km each way in 0°C temps, many that don’t have other options still bike, so really it’s a preference for comfort/safety not lack of ability stopping most.
Your body. Eat healthy, drink water, remove stress, workout at least 30 minutes a day, and sleep regularly
remove stress
Just use blackhead strips all over the body, or is it something that a large dose of Metamucil will fix?
Best to join a dismissive depression meme community and self diagnose as medication resistant
CDC calls for a little less, 75m of intensive exercise a week and two full body workouts a week (At a minimum)
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S&P 500 is pretty solid.
I concur on this one. Open a Roth IRA and put it towards an S&P 500 mutual fund with low fees. I use Schwab because it’s free to open an account and deposit money.
Strategy wise it’s good to mention that you approach this as a savings thing so you deposit, say, monthly. That way you compound your interest and that can really ramp up quickly.
Yeah, totally agree. I’d say take some percent of your paycheck and put it towards this.
Bikes and retirement aside, I’d recommend knowledge - career skills, but also handiness skills. If you can do simple repairs like replacing a door, changing the flap on a toilet, painting, preventative stuff like changing your air filters, simple electronics (replacing a light switch), etc you’ll save thousands on repairs as a homeowner. Today there’s almost nothing that you can’t find an in depth video tutorial on, but if you really don’t feel comfortable with basic tools most community colleges have cheap classes as do some hardware stores. Volunteering, even just to help friends with their projects, can be an amazing way to learn too.
Max out HSA if you have one first, then move on to 401k and a Roth or traditional IRA if you don’t qualify for the Roth. Then you do a backdoor Roth until they close the loophole.
My work gives us an hsa of like $3,500 a year, but it rolls over and never maxes out. Does this mean I’ll never be allowed to move to step 2?
I’ve got some Vanguard funds and I like them. $VTTHX for example
I second this, wife put money to save for kids when they’re older and it over performed by quite a bit. I forget how much since she also sneaks 1k in here and there but an initial 10k plus the bits she added are now 24k after a couple years.
Fill up contributions to your HSA, your 401(k) up to the employer match, your IRA, and then the rest of your 401(k), in that order. (YMMV if you’re self-employed or in the public sector and have more unusual tax-advantaged investments instead.)
By the way: I suggest asking your question at !fire@lemmy.ml [“FIRE” = “Financially Independent, Retire Early”].
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If they are at the point of investing in pollies they don’t have to worry about saving for a house.
Invest in yourself!
I’ve posted this on lemmy once before, but assuming you’ve maxed your 401k or other retirement, my go to strategy has been to buy a few shares of VTI every paycheck. If there was anything left over, or I couldn’t afford VTI, I’d buy SPYG. I’ve been doing this for a very long time and it has paid off well for me. I’m not rich enough to stop working, but if I lost my job for a while, I’d be fine.
Then on a personal level, join a local sport. In my area there are a bunch, indoor soccer, flag football, volleyball, rock climbing, etc… This gets you cardio without having to force yourself to go to the gym.
Why SPYG over SPY
Typically it is cheaper.
But you don’t have to buy shares in discrete amounts
I’m assuming you are young - under 30. If older my advice will be different.
save 10% for retirement and spend the rest of your income ‘now’. Save for a house and other big things but make sure you have fun with life. don’t buy so much of a house that you can’t do whatever you enjoy after paying for it. Take vacations now. climb mountains now if that is what you want to do - at 50 you will likely be forced give up mountain climbing. I strongly recomnend you get married and have kids (this isn’t for everyone but I still recommend it)
make sure you have a good long term disabilitty plan. insurance costs are based on how likely you are to need it. If someone offers you a deal on insurance run away as it is a scam. If someone trias to sell you expensive insurance it might be expensive because odds are you need it so listen carefully (there are expensive scams and some insurance you won’t need but others do so I don’t say buy, just listen)
several of those I graduated with are dead and I’m not retired yet - several of us have been unable to work for medical reasons (treatable but the treatment takes time). I’ve knowen a fair number who planed to enjoy retirement but either their health kept them in or near a hospital once they reached that age; or they died just after retireing. so 10% saved for retirement and then find something in life you enjoy for the rest and spend it. If you are older and didn’t start with 10% then you may need to save more., if you save more than 10% make sure it is because you couldn’t think of anything to spend it not that you are a miser who saves every last penny.
Edit: you should have some emergency savings. Emergencies happen when the s&p is down so this should be short term ‘safe’ investments. 6 months should be enough.
