There is not a hard and fast rule for how big your emergency fund should be but there are definitely a lot of folks in the personal finance community who have at least 6 months in some type of readily available account that’s not tied up in 401k or other investment funds which have early withdrawal penalties.

How much you save comes down to the individuals ability to do so and how much risk they are at if they were to suddenly lose a source of steady income and how much debt they currently have. For people with a lot of ongoing expenses, it’d be smart to try and pad up some safety net so they don’t have their life completely fall apart if they somehow lost their job. This also might vary if you are single income or multiple streams for the household.

6 months is probably on the higher side since there’s the opportunity cost of not investing surplus money somewhere that could have a higher rate of returns. Usually money that is in emergency funds have lower interest rates as a tradeoff. And if you have upwards of 4 months or more, you can use that time to draw from other accounts for more money if you see that the emergency fund isn’t enough.

The collision itself will generate heat. And a super continent with less water will also absorb more heat energy without having water near its center.

Mammals’ Time on Earth Is Half Over, Scientists Predict https://www.nytimes.com/2023/09/25/science/future-earth-warming-mammal-extinction.html?unlocked_article_code=i-Vz9jIKNFOAz9W461kSfuXdwSaNLqY1OA6-RZUjsXXCFqdC3ZYi5fzATecJES9S5U55iemPY0VVELjOxBte3G2-M5XW3LZ5x0wuvCGDe85590sumzR9EYMPibkT_EUEnWQ65UT0fgYejXoFiqiwwLPaO5VtNWlz187tW6MRjycS3Q4iSAbvCHj4Ga9QI6WR-xod26K-0yKDaHB_iqod3s9o3MBh722dNZmHIUBcVwG_iJ-ocfLFLQFJrSs2kS0JihLKWpETwiCd9EcgcbwCh58HVCY1sN0wg-wX1ThT0TbY5CZCdDXsKwQYsG-F6efLTTF0aSaRxIudb1g9WoWdhmRF4NBChEigjxDOJO2NM2Y2&smid=nytcore-android-share

When the tectonic plates collide again to form another supercontinent, it will create enough heat to kill off most, if not all, mammals. And it will happen before the sun destroys everything, probably in around 250 million years or so.

Many people never matured beyond high school.

“You didn’t bring back the real Jesus. This is a false flag. Jesus was a Soros plant and not the same savior mentioned in the Bible.” Is probably what people will say if you did the former.

This is just a personal opinion but I suspect the trend is not linear. There will be a surge in acceptance and then possibly a calm in popularity. Social pressures aside, I feel there may be some portion of the world that is bi/pan but not in numbers so large that it would be a huge shift in current status quos. We’re also at a time when mental health is seeing an identity crisis and we’re trying to label every quirk. Gender identity almost seems like part of a shotgun approach to try and fix other issues.

I do not want to sound like I’m downplaying the importance of sexual orientation and gender identity, but there’s just so much going on socially with how fast we’re moving as a culture with the Internet that it’s hard to predict what is real and what is trendy.

Of course I could be entirely wrong.