With a mortgage, you are forced to save money. In other words you have no way around being disciplined. So yes in theory you could probably make more money with aggressive investing, but chances are most people would risk too much and lose a lot and never have the mental discipline of saving the excess they have no matter what happens in their life.
And then hope you're not one of the ~1/3 that end in a divorce at which point your house gets firesold to first low-balling flipper. House can be really bad anytime it's multiple people liquidating it -- I watched some other family members inherit a house and it sold for about half it's value because some family members weren't willing to wait more than a millisecond for the inheritance payout.
All you need is to invest into the index funds tracking some sort of the total market and you are golden. Not sure if I would describe that as aggressive.
But I fully agree that mortgage forces people to actually save money, most people would just spend it all.
I made plenty of money (and still do) holding US treasuries and other safe investments. You don't need to gamble on stocks to have income from cash which offsets rent.
For most of my life, fixed income was outperformed by inflation. Indexed funds returned double fixed income over that entire period. Either you are in your 20s or you aren't nearly as good at investing as you think.
I'm fine with keeping most of my post-tax cash pile in cash equivalents. I don't think you understand investing if your only measuring stick is returns. You do sound like a finance bro though given you took time out of your day to trash talk someone for something they didn't even claim.
If your investment return is less than the rate of inflation, you are literally getting poorer. Sort of defeats the purpose of an investment. It isn't much better than literally keeping it in your mattress. Just because you don't understand that, doesn't make it not true. And software I wrote probably has managed or touched your money at some point.
Ok, and? You don't manage money. You don't seem to understand risk tolerance and opportunity cost. You're also comparing near-inflation returns with cash at zero pct return.
I can see why you only write software and don't actually get to touch other folks' money. Good luck buddy.
I am a heavy Claude Code user. I just tried using Codex with 5.4 (as a Plus user I don't have access to 5.5 yet), and it was quite underwhelming. The app stopped regularly much earlier than what I wanted. It also claimed to have fixed issues when it did not; this is not a hallmark of GPT, and Opus has similar issues, but Claude will not make the same mistake three times in a row. It is unusable at the moment, while Claude allows me do get real work done on a daily basis. Until then...
Gpt-5.3-codex is miles better than 5.4 in that regard. It’s better at orchestration, and does the things that it said it did. Haven’t tested 5.5 yet but using 5.4 for exploration + brainstorming and handing over the findings to 5.3-codex works pretty well
XFinity has been terrible lately, and I have a Starlink Mini. XFinity failed today, and I did fallback for a few hours on the Mini. Connectivity was actually better than fiber. If only it worked when it is cloudy -- for $50 on roaming, that's a no-brainer given the exorbitant cost of living in northern cal.
I have never noticed an issue but now that we’re talking about it I realize It’s never occurred to me to run a speed test during a heavy downpour. Which might tell you something positive by itself. Next time I will do so but it might be a while; my rain season has ended.
per ChatGPT, it becomes cost effective (against the $200/mo usage tier) to acquire an RTX 6000 Pro if heavily (+8 hrs/day) after around 2 years (at $0.20/kwh which is lower than cal residential rates). I am interested in alternatives too but I haven't found anything close to Claude Code.
From an economic standpoint this is basically machines doing work humans used to do. We’ve already gone through this many times. We built machines that can make stuff orders of magnitude faster than humans, and nobody really argues we should preserve obsolete tools and techniques as a valued human craft. Obviously automation messes with jobs and identity for some people, but historically a large chunk of human labor just gets automated as the tech gets better. So I feel that arguing about whether automation is good or bad in the abstract is a bit beside the point. The more interesting question imho is how people and companies adapt to it, because it’s probably going to happen either way.
I suspect this is less about when Windows declined and more about individual computing journeys. Early exposure (home, school, work) tends to set a baseline that’s hard to shake.
Microsoft had realyl good engineers and talent. Microsoft internally has gone to shit. They hire an army of H1B's and all the talent has left. Shell of a company on the Windows side that anyone working with them can see. It started a couple years ago, but it's really gone off the deepend and will just get worse. I say this as a windows expert and someone who thinks linux is crap.
Most production software is wrappers around existing libraries. The relevant question is whether this wrapper adds operational or usability value, not whether it reimplements OCR. If there are architectural or reliability concerns, it’d be more useful to call those out directly.
Thanks for sharing. That would be a nice additional example in .NET with Andy TUI. The library is not Rust but there are a few examples you might be interested in, including a HN client [2] [3].
I have the Apple 6K 32” Pro Display XDR and a Kuycon 5K 27”. Both are great. Apple was $6,500 and the Chinese version was $400 on EBay plus the $100 stand. Kuycon has more types of input, and a remote. Frame and display quality are on par for a dev.
They aren't even close in comparison? Like 600 nits brightness vs 1000 (1600 peak) for one. Contrast ratios are very very different. It only supports HDR600. They are very different displays in person. Perhaps at low brightness on text they are similar, but outside of that they really aren't very similar.
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