Kiwis and bananas.

WOW! Buying your son a house and a car is extremely generous. Financing his education is beyond kind. I personally would be concerned about your son’s ability to manage money once he is on his own. I don’t think you’re doing him a lot of favors in that department. I think sitting him down and discussing how to budget, what a mortgage is, personal loans, and how credit cards work would go a very long way. Also discussing why you budget and don’t live at the edge of your means is important too - too many people who make good money do this and end up in debt forever. My experience when I was 18 was learning to manage money with my parents help came with a lot of life-long lessons. I got a credit card and they didn’t just pay it for whatever I put on it. I remember getting in a lot of trouble once for putting restaurant dinners and expensive clothing store purchases on it. After my parents got the bill for the month, we had a long conversation of needs versus wants. I never ran that card up like that again because I was informed that I would be paying it off with my minimum wage job. From then on it was groceries and maybe dinner out once a week. I also had a summer job and lived in an apartment with a roommate. Boy does that give you some perspective on money and struggled of others when parents are not just paying for it all. Adult children should never assume mom and dad are paying if they mess up. Life can change in the blink of an eye, and I personally feel it is important to be as self-sufficient as possible and prepared for the worst financially.

Hahaha! Wow. What an anatomical mess. More proof that AI is only as good as it’s programming. Again why I trust AI as far as I can throw it.

The 24H2 update would not install on a brand new prebuilt PC that I bought for my parents. I contacted both the manufacturer and Microsoft and spent too many hours troubleshooting before I gave up and returned it to where I bought it as defective. Back to the drawing board for a replacement PC for my parents.

I think you are making the right decision for you. I have watched a lot of people struggle after having children they did not plan for. If you know you are not and likely will never be interested in having children, getting a vasectomy is right for you.

That being said, if things change down the road, you can always foster, adopt, or attempt to have the vasectomy reversed – the last option is not guaranteed though.

Fun fact: 20% down payment on $435,000 is $87,000 – that doesn’t include closing costs minimum monthly payments with a 30-year fixed mortgage at an interest rate of 6.889% would come in at $2,668 (this escrows taxes and home insurance). Just for fun, I’ll share that in 2012 my partner and I bought our first home (1,800 square feet attached 2-car garage in the Midwest with typical appearance for a starter home) for $146,500 and 20% down payment was $29,000 - we put down $48,000 since we had it – now you need nearly 3 times the amount to avoid Private Mortgage Insurance. Our minimum monthly payment was $1,032 on a 15-year fixed mortgage at 3.5% interest. The bar is just way to high for most people to even consider buying at this point. When we sold our first home in 2021, we sold it to a person who was planning to live their themself – no rental companies was our stipulation.

Totally not weird at all right? LOL.

WOW. Ozzy is a Rock legend. The world will not be the same without him. People can say what they want about him, but he was an artist. He and Black Sabbath were the epitome of Rock & Roll.