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Joined 2 years ago
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Cake day: June 30th, 2023

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  • Yeah it’s totally a mistake.

    I bought some stupid hot sauces out of curiosity a few years ago (last dab kind of sauces, they are fairly hot but still edible) but was not prepared for the heat. I tried some milk and bread and whatever and it didn’t help clear my mouth. It was on my tongue and my lips and I wanted it OFF.

    So having watched some of the “plutonium” hot sauce videos I put my obviously very big brain to work. In some of those videos, capsaicin crystals are dissolved in alcohol. I thought to myself, “alcohol dissolves capsaicin, my mouth is hot from capsaicin, I have an idea”. It was not a good idea.

    I swished and swallowed a shot of vodka.

    As you say, it really helped the spicy coat my ENTIRE mouth and top of my throat. If you have never had spicy pain in between your teeth and coating your entire gumline, it is really something else. 2/10 would not recommend.

    In any event, a lesson was learned that day that I doubt I will forget.





  • “The first few years go to interest” and “the first few years are overwhelmingly paid toward interest” are not the same thing. The shorter the term, the smaller the total amount of interest paid is (and often the better the rates), and the more principal only payments you can make the lesser the interest paid.

    Of course interest fraction is different by payment, but it’s not as though the first payments you make are a lost cause: mortgage payments are always contributing to your ownership, rent payments never are. It’s only a question of liquidity in the moment. Depending on the OPs situation rent could be more than a mortgage payment, in which case I know which I’d rather pay (as long as I could afford the insurance) if I wasnt planning to move right away.



  • Well that’s a super nuanced answer though.

    IF OP can afford a house AND can keep enough emergency savings to deal with an issue, it may still be better to buy. Rental money is just gone forever in exchange for not assuming any risk on the property, but it retains no value.

    If OP can’t afford to buy at all, this post is stupid, so the question is really if there’s no money left for emergencies. In which case, the obvious answer is keep renting because a single point of failure pushing you out of your house is a bad proposition.

    If there’s SOME money… It just depends on the house. Some of the failure points are covered by inspection, but it could be risky. Better to not max out your ability to borrow if at all possible.