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  • EADD Moderators: Pissed_and_messed | Shinji Ikari

🗣️ General Discussion 🗣️ My life advice to you all for new year

You can make snow angels for two hours, and then go ice skating,
and then eat a whole roll of tollhouse cookie dough as fast as you can,
and then to finish go ahead it feels so

... go snuggle !!
 
Perks of reaching 60 or being over 70 and heading towards 80 !

1. Kidnappers are not very interested in you.
2. In a hostage situation you are likely to be released first.
3. No one expects you to run - anywhere.
4. People call at 8 PM and ask : " Did I wake you " ?
5. People no longer view you as a hypochondriac.
6. There is nothing left to learn the hard way.
7. Things you buy now won't wear out.
8. You can eat supper at 5 PM.
9. You can live without sex but not your glasses.
10. Your supply of brain cells is finally down to a manageable size.
11. You can't remember who sent you this list.
12. And you notice these are all in Big Print for your convenience.

Send this to everyone you can remember right
now ! And remember, Never, under any
circumstances,
take a sleeping pill and a laxative on the same night !
 
benson7 said:
Stop taking drugs from your mid 30's and concentrate on saving for an early retirement.
Click to expand...
Yeah, that is sensible advice for sure.

I don't feel that I can just stop everything at this moment in time though. Especially with benzos as they will need a long taper. So many things at the correct amounts help level out some of the issues that my neuro divergence causes me at work. If I didn't work, I wouldn't need any drugs, but then I would be as skint A.F. if I had to scrape by on benefits. Even if I qualified for full sickness benefits, which I might do. I've not really looked into that properly tbh.

Despite my continued drug use, I don't spend all that much on them, and I'm still managing to save extra money into a SIPP pension and also into other investments too. Like a stocks and shares ISA.

The way I see it is that every 12-20k (depending on your lifestyle expenses) would essentially buy a year of living expenses to help knock some years off the retirement age. It's such middle class bullshit being peddled among certain quarters that you need a pension pot of £1,000,000 or at least £30k a year to have a comfortable retirement! What absolute bollocks! I've never earned 30k in my life, but yet consider myself financially comfortable and stable.

So long as I keep working. Everything would fall apart if I lost my job for any reason and couldnt get another one.

If the global (develeoped world) and USA based index funds continue to grow at around 20% like they have done for the last 2 years then investors will be rolling in money. But returns that good surely cannot continue forever. People have been predicting a big crash or correction for years, and yet the markets keep storming ahead, and continually breaking new all time highs. The last 2 years have been incredible.

I wasnt fortunate or brave enough to begin investing in index funds during the crash caused by the Covid outbreak, (nor even clued up enough at that time,) but having 3 or 4 months of furlough during that time was enough for me to notice what was happening in the markets, how low the return was on interest based investment accounts, which lead me to learn about index fund investing. And to get enough cash into index funds just after the Covid bounce back, but still in plenty of time to capitalise on the incredible growth over last 2 years.

Seems weird to be talking about investments and retirement plans on a drugs forum. But I guess it goes some way towards busting certain stereotypes about what drug users are supposed to do and not do, in the non users imagination.

I loved it when Brimz was on here, talking about enjoying listening to Radio 4. Probably not the listening many people would expect from a hard drug user. But it all goes to show how shallow and meaningless stereotypes can be, as non drug users tend to be so judgemental about drug users, and form all sorts of wildly innacurate and unfair assumptions.
 
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Is it the US stock market you invest in Bleaney? The UK market hasnt done shit for ten years - my pension went down this year. Think its gained about 2 grand in 10 years.
 
I mainly invest in global (developed world, some excluding the UK) funds - these seem to be the best choice right now in terms of their outlook over the next few years.

But I also have some of the USA only funds.

It's highly volatile, with my gains fluctuating by hundreds of pounds by the week. But I'm generally up 4.5 - 5.5k. And I've got a relatively small sum in there. Compared to most people who do this sort of thing. I started about 3 years ago. So things have got off to a good start, to say the least.

No doubt there will be some severe crashes along the way, but I just need to remember the advice that I'm in it for the long term, and over longer time periods the markets have always gone up.

(Barring the flat lining UK over the last few years. So many pension companies in the UK chose the UK index fund by default, which is a poor choice compared to global funds. You usually have the choice of fund, and can change to 'passive global' which seems to be the best choice, according to all the people who know about this stuff, that I've been listening to.)
 
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radio 4 is the best an i smoke tones of crack we crack afficcianados fuck with radio 4 too mucker. the archers theme brings back memories of my ma, she also liked archer the show, pam ftw !
the super posh accents are soothing an some comedy gems, but also very bad middle class comedy
brims was a good lad hope yer well whereever you are mate
 
I have my pension and ISA in USA Equities trackers, these funds have averaged about 12% growth per annum since 2011, if they maintain that for the next 20 years I'll be very comfortable.

The dream is to have the mortgage paid off by 60 and retire a year or two later.

I encourage everyone to pay as much into their pension as early as you can, with tax relief, employer contributions and strong growth it builds up fast.
 
Bleaney said:
Yeah, that is sensible advice for sure.

I don't feel that I can just stop everything at this moment in time though. Especially with benzos as they will need a long taper. So many things at the correct amounts help level out some of the issues that my neuro divergence causes me at work. If I didn't work, I wouldn't need any drugs, but then I would be as skint A.F. if I had to scrape by on benefits. Even if I qualified for full sickness benefits, which I might do. I've not really looked into that properly tbh.

Despite my continued drug use, I don't spend all that much on them, and I'm still managing to save extra money into a SIPP pension and also into other investments too. Like a stocks and shares ISA.

The way I see it is that every 12-20k (depending on your lifestyle expenses) would essentially buy a year of living expenses to help knock some years off the retirement age. It's such middle class bullshit being peddled among certain quarters that you need a pension pot of £1,000,000 or at least £30k a year to have a comfortable retirement! What absolute bollocks! I've never earned 30k in my life, but yet consider myself financially comfortable and stable.

So long as I keep working. Everything would fall apart if I lost my job for any reason and couldnt get another one.

If the global (develeoped world) and USA based index funds continue to grow at around 20% like they have done for the last 2 years then investors will be rolling in money. But returns that good surely cannot continue forever. People have been predicting a big crash or correction for years, and yet the markets keep storming ahead, and continually breaking new all time highs. The last 2 years have been incredible.

I wasnt fortunate or brave enough to begin investing in index funds during the crash caused by the Covid outbreak, (nor even clued up enough at that time,) but having 3 or 4 months of furlough during that time was enough for me to notice what was happening in the markets, how low the return was on interest based investment accounts, which lead me to learn about index fund investing. And to get enough cash into index funds just after the Covid bounce back, but still in plenty of time to capitalise on the incredible growth over last 2 years.

Seems weird to be talking about investments and retirement plans on a drugs forum. But I guess it goes some way towards busting certain stereotypes about what drug users are supposed to do and not do, in the non users imagination.

I loved it when Brimz was on here, talking about enjoying listening to Radio 4. Probably not the listening many people would expect from a hard drug user. But it all goes to show how shallow and meaningless stereotypes can be, as non drug users tend to be so judgemental about drug users, and form all sorts of wildly innacurate and unfair assumptions.
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I certainly think you should stop with spending should definitely stop taking shit like.H and coke but of to do it right, mushrooms mz acid can even work out free.
Just use to enhance special occasions x rather then making the drugs thr main eve.t
Also craxk and H deserve their fearsome reputation for. The unsatisfied curiosity and "cool points: aren't anywhere near worth the risk!
 
aftershocknrock said:
radio 4 is the best an i smoke tones of crack we crack afficcianados fuck with radio 4 too mucker
Click to expand...
Damn right we do, nothing gives me more Joy than smoking Heroin in bed while listening to "The Day Today" for several hours on Radio 4.
The Moral Maze is also a show on there everyone should take notice of.

Nobody can say they are a fan of Music if they don't tune in for Desert-island Disks too, I have NEVER heard anyone pick Townes Van Zandt though which really sucks & yet again shows I am alone in England.
 
Bleaney said:
I mainly invest in global (developed world, some excluding the UK) funds - these seem to be the best choice right now in terms of their outlook over the next few years.

But I also have some of the USA only funds.
Click to expand...
Someone get a Key Logger on this Fuckers PC, I'll split the Stash 50/50 with you.
 
kiely said:
The anti-vacation. Go somewhere really sh*tty
and do something awful for a week
so when you return your life seems good.

To live, you must appreciate every moment !
Click to expand...
where was your last "anti-holiday" (not saying vaycation) ? mine was a weekender in the cells rattling, oh sorry 2 diffs an 2 yellows the turnkeys took all my clothes an left me naked for a day an a half (an stole my cerial bars the cunts) then every holding cell in court was full so i didnt see a brief before court an i was stuck listening to two women beaters complain constantly for 4 hours about how unfair it was i wanted to batter them so bad but woulda got remanded...good holiday lol
 
axe battler said:
I certainly think you should stop with spending should definitely stop taking shit like.H and coke but of to do it right, mushrooms mz acid can even work out free.
Just use to enhance special occasions x rather then making the drugs thr main eve.t
Also craxk and H deserve their fearsome reputation for. The unsatisfied curiosity and "cool points: aren't anywhere near worth the risk!
Click to expand...
Fortunately I've not done heroin for years, and dont have any intentions of getting back into it any time soon.

I did have a connection for coke via a work colleague in my previous job and he was getting exactly the same stuff that was on he DNM for about a 1/4 of the price. Maybe that's a very common thing on the DNM to charge about 75% more than local dealers / street prices.

I didn't even think much of that coke, it was meant to be so strong that the dealer said to only do small bumps. I think I must be more or less immune to certain types of coke, as that stuff didnt do much for me. . I couldnt feel much of anything at all! Although the guy at work was loving it.

I think I actually prefer methylphenidate. Especially snorted, which hits nicely.. But I do need to watch myself with that, and not go completely mad, and not do that too often, as they are prescribed for my ADHD, and they are by far the most expensive drug I buy, and every month too. I'm waiting for the supply of extended release to resume, as it's still very hard to get. So having to pay privately for the instant release pills atm, and they aren't cheap. Especially considering how often I feel I need to re-dose. Even when taking them correctly, via the oral route.

Once the XRs are available again, hopefully I'll be able to collect them via my GP for just the £9.90 standard prescription charge.

Sounds like you're doing great with the changes you're making, which I've seen in other posts. Hope you keep going!

It's a weird thing about the 'harder drugs', especially on places like bluelight, where it sometimes feels like the members with more experience with the more heavy duty substances have a certain position in the pecking order of things, due to those experiences. Maybe it's just life experience in general. I don't know how else to put it without getting all cheesy and embarrassing.

I've definitely not found that you get cool points from anyone IRL for those things though, quite the opposite really, but obviously it must depend on who you know etc.
 
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Zopiclone bandit said:
Someone get a Key Logger on this Fuckers PC, I'll split the Stash 50/50 with you.
Click to expand...
It's definately not as much as you seem to think. It's a very modest amount really, in the grand scheme of things.

Considering I completely wiped myself out financially during the legal high era and the aftermath of that, as I quit my job in the middle of all of that. And then I had to start all over again from scratch, when I got my head together again, as much as it ever is anyway, and finally managed to get another job.
 
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