What all goes into my different wealth buckets asked @kbjayashankar

First,
#financialindependence / Retire Early bucket that has current qtr expenses + war chest (bear market investments) + 3 years of living expenses (bear market use) + long term nest egg investments

Second, Financial Fortifications (thanks to @RamaniSumit for the term)

First 4 are a must-have for me and Bootstrap is a small amount (enough to experiment with 4-6 business ideas to test feasibility) that I expect I wont ever use.
But better to have it and not need it.
I'm currently working towards Financial Abundance.

LTC Plan - because India doesn't have Long Term Care Insurance for one's own longevity risk
Elder Care - maybe needed for parents & in-laws if they reach 80s/90s
Retirement Home - to buy a home in a retirement community

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“We don’t negotiate salaries” is a negotiation tactic.

Always. No, your company is not an exception.

A tactic I don’t appreciate at all because of how unfairly it penalizes low-leverage, junior employees, and those loyal enough not to question it, but that’s negotiation for you after all. Weaponized information asymmetry.

Listen to Aditya


And by the way, you should never be worried that an offer would be withdrawn if you politely negotiate.

I have seen this happen *extremely* rarely, mostly to women, and anyway is a giant red flag. It suggests you probably didn’t want to work there.

You wish there was no negotiating so it would all be more fair? I feel you, but it’s not happening.

Instead, negotiate hard, use your privilege, and then go and share numbers with your underrepresented and underpaid colleagues. […]
First thread of the year because I have time during MCO. As requested, a thread on the gods and spirits of Malay folk religion. Some are indigenous, some are of Indian origin, some have Islamic


Before I begin, it might be worth explaining the Malay conception of the spirit world. At its deepest level, Malay religious belief is animist. All living beings and even certain objects are said to have a soul. Natural phenomena are either controlled by or personified as spirits

Although these beings had to be respected, not all of them were powerful enough to be considered gods. Offerings would be made to the spirits that had greater influence on human life. Spells and incantations would invoke their


Two known examples of such elemental spirits that had god-like status are Raja Angin (king of the wind) and Mambang Tali Arus (spirit of river currents). There were undoubtedly many more which have been lost to time

Contact with ancient India brought the influence of Hinduism and Buddhism to SEA. What we now call Hinduism similarly developed in India out of native animism and the more formal Vedic tradition. This can be seen in the multitude of sacred animals and location-specific Hindu gods