amphibian, on 20 October 2022 - 03:45 PM, said:
I know you operate a bit differently than most people, but saving 100 bucks a month by functionally punishing yourself with cold is more stressful and foolish than turning on the heat all the time.
Probably more like $150-$300 / month after the rate hikes (before I added the insulation, sealed the cracks, and started using as little heat as possible, I was regularly getting heating bills of $200-$300 / month). Discounting against the future value of the stocks I'd have to sell that could easily be more like $300-600 to $2000-$3000 / month (depending on time frame, and how quickly automation, quantum computing, and other technologies take off...).
Unfortunately I am still human, so that 'FOOLS!' applies to me as well. But I'll still be able to practice finger drumming and vocals/singing without significant impediment.
I could also sell some of my music software or hardware but I don't want to. Maybe I'll sell some things I don't really use. Still, it would be better to put that money in the stock market (probably...).
Thought I'd have more time before it started getting cold---last few years have been relatively warm through much of December. Might still end up being that way after this cold front passes... or not.
Wearing socks and slippers ripped that toenail (that was already mostly detached) off... didn't see any blood though.

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