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Joined 1 year ago
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Cake day: June 12th, 2023

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  • 50k and paying 15k, because that person is living within their means. They probably share a shitty apartment with roommates and have a crappy car, but they can sustain their lifestyle. Eventually they will retire with investments covering the exact same income that they have now.

    100k paying 50k is a hot shot, a flash in the pan. They have a higher quality of life right now, but they will likely crash and burn. They cannot live and invest enough money to sustain their lifestyle, and they won’t know what to do when they suddenly have to live on half of what they used to make.

    Making more money does not mean you have better finances, it usually just means you own more expensive stuff right now.

    Edit: the one exception is the 100k paying 50k and then living like the 50k paying 15k for literally everything else. They are not the norm, but those people will probably be ok. They’ll have to move when they retire though, or have like no paid fun ever.



  • 30% is widely considered to be the most you should pay for a living space in order to live a sustainable lifestyle and retire comfortably. It even says in the article that they consider anyone that has to pay more than that to be “cost burdened”.

    It usually breaks down somewhere around 30% on housing, 20% on necessary bills, 30% on wants / unnecessary bills, and 20% on retirement investments / savings.

    The fact that nearly half of renters cannot do that is the problem that they are trying to highlight, but it doesn’t offer much of a solution. These people will not be able to retire without public assistance (if they can at all), and will likely run into serious struggles long before then.






  • I was about to ask why this is better than the docker installation, but I see step one is to install docker haha.

    I’ve been running the docker container for a long time, it works very well. It is a bit more complicated if you try and use extensions that require seperatw containers (like setting up collabora), but that can be done as well. It’s just more complicated.

    I do remember needing to know how to access the internal terminal a few times, but I don’t remember why. If I think of it I’ll come back and add instructions.

    Edit: It’s to be able to run occ commands:

    Sudo docker exec -u www-data nextcloud-app php occ “Command goes here”

    Sudo docker exec -u www-data nextcloud-app php occ files:scan --all


  • I’m not sure if this is helpful to you or not, because it’s not what you asked. I just don’t mount them on boot though.

    I have a script that requires a unique password that decrypts everything that I actually care about. If that hasn’t been run, then the server starts emailing me every 15 minutes until I do.

    The server is not setup to reboot unless I manually tell it to or there is a power outage, so logging in to run the script has never really been an issue. At most, I’ve had to SSH in from my phone maybe a handful of times.