Another vote for Freetaxusa. TurboTax might be marginally easier to use, but it is far more expensive and Intuit is a horrible company. If you hate filing taxes (because of the complexity), that is because Intuit and H&R Block lobby congress to keep things complicated so they can sell you their products.

I use a budget app for tracking income and spending on a transaction basis and then keep the rest of my finances in spreadsheets.

https://www.healthline.com/health/mental-health/how-to-survive-midlife-blues

Depending on how old you are, you might just be hitting the normal midlife low point. It hit me hard in my late 30s and I spent a lot of time reading about it once I found out it was typical. I think a lot of it has to do with the rate at which you’re experiencing milestones and life changes. It feels like you are constantly progressing in your life up to your 20s or 30s and then the time scale suddenly shifts. Things take much longer to advance - saving enough for a house or retirement, that next promotion (assuming you even want one), major family changes, etc.

Understanding that helped me recover somewhat, though it still took a couple of years. I’m still in that lull, trying to figure out what I really even want to do next, but I don’t feel sad about it anymore. I don’t know if this applies to your situation, but I found it really helpful to learn about it.

If your main concern is the US currency or just wanting your money to be out of US-based assets, I believe Interactive Brokers provides a lot of flexibility to move your money between assets and currencies. You’re still going to pay taxes and be subject to all US laws.

If your concern is US involvement in your personal financial affairs…good luck. The US has tremendous influence over the global financial system and no legitimate foreign organization is going to work with you unless you have substantial assets. The few countries that do not respect US influence are not particularly trustworthy and trying to do business with them will put you at significant legal risk.

You could also try converting to physical gold, but the US has confiscated gold before, so that’s not a sure bet.

It’s common in the U.S., especially in apartments, to have rooms with no light fixtures. Instead, there will be one outlet that is wired to a switch by the door. That outlet is sometimes upside down to distinguish it from the other outlets. That gives you the option to connect a lamp to the switch to get the same result as having a light fixture. I would generally prefer that every room has a light fixture on the ceiling, but this is marginally better than having to walk across a dark room to turn on a lamp.

Oh, that sounds like a sweet deal. I should have been aspired to be a corporation instead of a normal person.

I don’t really understand how Walgreens is still in business. I only go there when I need something that the grocery store pharmacy section doesn’t carry and I’m not willing to wait 1-2 days to have it shipped from Amazon. Every time I go, its a ghost town with more employees than customers.

Mine is off at the moment.

I don’t know a lot about the Amish, but possibly. From what I know, it seems like they embody some of the core principles in terms of contributing to the community and managing a balanced, relatively equal society. I don’t know anything about their religion, so I don’t know if there is a level of control from church leaders that might be more of a centralized control structure. But they might be an example. You can also search for examples of hippie communes or artist collectives.

There have been many groups that form communes within a larger system. Sometimes its built around a religion (or cult), sometimes around various ideals, like artist communes. In my opinion, what makes these work is that they’re small (your reputation matters), people join it voluntarily, and people can be kicked out if they don’t uphold the ideals. So, you don’t need a state to enforce the rules aside from a mechanism to remove people who don’t participate fairly. And because they are within a larger entity, they don’t have to deal with things like national security or foreign affairs. I don’t think that model scales to a national level.

I have clothes that I keep out of the dryer, but I’m willing to put pretty much anything in the washing machine (aside from dry clean only stuff). I will hand wash my workout clothes, mainly in the summer, when they are drenched in sweat and I don’t have enough dirty laundry to make it worth putting them in the laundry right away. I just put a little splash of laundry detergent in the sink with some cold water to wash them, then hang them to dry. But I do that to keep them from getting stinky, not to prolong the life of the clothes.

If you use this equipment frequently, try to quantify them on your resume to show you have experience. You can ask chatgpt for better wording, but you might have something like “unload 20-30 trailers per week using an electric pallet jack.”

Create a list starting out of everything you might want to tell a future potential employer. The original list can be messy and have awkward wording, but try to list all of the useful skills you have and wherever possible, quantify your impact. Once you have that, then go to your AI of choice and practice some different prompts to see what kind of results you get. You’re not going to get a great or even necessarily accurate resume on your first try, you have to put in some effort to edit and re-prompt for improvements. Here are some possible prompts to play with starting out:

• “You are an experienced recruiter helping me craft a resume to get a job in a warehouse. Review this list of experiences and recommend better wording to show that I have the skills to be an effective warehouse employee.”

• “For this experience, recommend how I can quantify my impact to show that I added value.”

If you find a job description that represents the kind of job you want, you can also provide that to your AI friend to get even better results. Something like this:

• “Using the following job description recommend changes to my resume that better reflect the role.”

Once you’re done editing your resume to fix any errors the AI gave you or to change the wording to be a better reflection of your writing, you can paste the resume in again and ask for a final review.

• “Review my revised resume to improve readability and recommend any changes to better fit the job description.”

The first time you do this, you’ll probably think “wow, this is so much better than what I started with” or possibly, “this is garbage, it’s making things up that aren’t even true.” Either way, if you keep playing with it, you’ll start to get a feel for a good balance of words that reflect your experience, but also connect well with job descriptions for jobs you’re interested in. Or maybe you’ll get lucky and get a job offer right away and not have to think about it again for years!

Some bonus prompts for when you get an interview:

• “You are an experienced recruiter helping me prepare for a job interview. I have an upcoming interview with a . Based on the job description, what are 10 questions they are likely to ask me. Explain what the purpose of the question is.”

You can take it another step and provide your resume and ask it for suggested answers to the question. Careful here though because you don’t want to try to memorize the answers. And finally, you should always ask questions in an interview (ALWAYS), try this:

• “What are some questions that I can ask in the interview to show that I am engaged and very interested in the role?”

Good luck with your job search!

Thanks, I’m guessing the benefit of subscribing is to create that persistent relationship. The free version from MS that I’m using times out after a while. I definitely get the problem of it making up experience for me when it encounters something in a job description that isn’t referenced anywhere in my info. Honestly, I’d probably get more interviews if I just let it make up stuff, but I’m guessing that might become a problem for me later. :)

Can you share a bit about how you used it? I’ve used Copilot a bit to try the same thing, but it makes so many errors that I spend too much time editing and fixing them. Also, after running quite a few cover letters, I found that the text was repetitive and unnatural in a way that made it really obvious that it was an LLM writing the letter and not a person.

I meant moving to another country permanently, not traveling, but good to know that the US system can reach out and punish me if I have the audacity to travel out of network. :(

It’s helpful to know that if I ever leave the US, I’ll have better healthcare. I don’t even need to spend any time researching that aspect.

I’ve been curious about this too, but haven’t been able to find anything that puts a real price (including future profit margin) on GenAI. For example, having a chat conversation with a customer service agent in India might cost about $2-3. Is a GenAI bot truly cheaper than that once you factor in the energy & water costs, hardware, training, profits, etc.? It might be, but I’m skeptical.

I was only ever interested in these company’s services as a way to save money. They are no longer cheaper than a hotel, so I would rather stay at a hotel.

I’ve been applying similar thinking to my job search. When I see AI listed in a job description, I immediately put the company into one of 3 categories:

1. It is an AI company that may go out of business suddenly within the next few years leaving me unemployed and possibly without any severance.
2. Management has drank the Kool-Aid and is hoping AI will drive their profit growth, which makes me question management competence. This also has a high likelihood of future job loss, but at least they might pay severance.
3. The buzzword was tossed in to make the company look good to investors, but it is not highly relevant to their business. These companies get a partial pass for me.

A company in the first two categories would need to pay a lot to entice me and I would not value their equity offering. The third category is understandable, especially if the success of AI would threaten their business.

The only use case I can see for Access is when you absolutely must have a database and your company will not provide you a real database solution. I have experience with both, but haven’t touched Access in years (and hope to never do so again). To be fair, I also regularly use Excel for things that I should probably be using Word for because it is easier to get formatting right in Excel.