HORSELOCKSPACEPIRATE

HORSELOCKSPACEPIRATE t1_j3o22wq wrote

Mistakes are inevitable when practicing, but it's actually really important to minimize mistakes there. If you keep making mistakes, you're practicing those mistakes. If you don't get it right really consistently, you can't improve.

Learning from mistakes is super important but putting it next to practice like this gives the wrong idea.

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HORSELOCKSPACEPIRATE t1_j1w6mmh wrote

Well, some people are more stuck than others. Sometimes all it takes to get out is to buckle down and commit to something different (and useful). Sometimes you're already burning the candle at both ends just to stay afloat and you've got a kid or something.

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HORSELOCKSPACEPIRATE t1_iy1j71r wrote

Residential payoff takes a lot longer unless your roof, weather, and/or local electric regulations are really good, especially now that interest rates went up. Most are paying 4 cents per watt financed at at 3%+.

I got in at .99% and it still wouldn't be obviously worth it in terms of ROI if not for the tax refund. A big cash infusion when the market is low like this could tangibly impract retirement age. But without it, especially with interest rates as they are now I could see people taking longer than the 20-25 year life of their loan to net positive.

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