RAID is more likely to fail than a single disk. You have the chance of single-disk failure, multiplied by the number of disks, plus the chance of controller failure.

RAID 1 and RAID 5 protect against that by sharing data across multiple disks, so you can re-create a failed drive, but failure of the controller may be unrecoverable, depending on availability of new, exact-same controller. With failure of 1 disk in RAID 1, you should be able to use the array ‘degraded,’ as long as your controller still works. Depending on how the controller works, that disk may or may not be recognizable to another system without the controller.

RAID 1 disks are not just 2 copies of normal disks. Example: I use software RAID 1, and if I take one of the drives to another system, that system recognizes it as a RAID disk and creates a single-disk, degraded RAID array with it. I can mount the array, but if I try to mount the single disk directly, I get filesystem errors.

Treasuries are nice because they’re convenient and low buy-in, but their yields are crap, sometimes a little above inflation, sometimes below. TIPS are a decent way to hedge the inflation risk, but (IMO) it’s still really for people who are more worried about losing their savings than living off it. (i.e.: if you have, say, $1e8, you can live pretty comfortably off $1e6, even $1e5 in a lean year, so your rate of return doesn’t really matter)

For me, personally, the limited bond exposure I have is all corporate and mostly junk, bought through my broker in the secondary market, with maturity 10-20 years out. Until fairly recently, junk bonds were the only way to get yields above 4%, and that’s kind of my mental benchmark for gaining relative to inflation. One downside of corporate bonds is they generally have a $10k minimum.

That drop was when the Fed was raising interest rates to stall inflation. Interest rates up, bond values down. But the drop in VTINX was only 20% over all of 2022, where OP is showing 50% in maybe the first quarter.

Incidentally, the sensitivity to interest rates is why I don’t like bond funds. If you buy actual bonds, you get the face value back at maturity, where bond fund are forced to mark them all to current market prices to calculate NAV. IMO, this negates the main “safe” factor in holding bonds.

Yeah, OP isn’t telling us everything. He’s got a 50% decline in what looks like January 2022, where FSKAX and VTI were off by ~10%. Half that drop looks like it happened on one day. In fact, now that I look at it, it’s kind of reminiscent of a BTC chart.

No. If you’ve been saving for 30 years, then you’ll have 30 years of accumulated 10±20% annual gains, which should be something like 16x your start, but could be 100x if you’re lucky or 1x if you’re not. Regardless, an historic crash on retirement day may take that down to 12x your start, which is still pretty good, and will be fixed by the following couple years.

I get political spam addressed to three different people who used to have my number. Real estate spam for one of them. Temp job offers for another. It’s annoying af going on four years.

My 80-year-old mother is stil hooked on Hay Day (2012 Farmville clone). She doesn’t alarm-clock overnight events any more, but that could be because she can’t sleep through the night now. Got a team of other old ladies around the world for contests, and it’s right on the edge of where I think it’s great that she’s got something to keep her engaged versus might need an addiction intervention.

I’m not sure that one 69-year-old wall puncher really counts as ‘going up,’ but bones that old get pretty brittle.

I used to pay a particular company by purchase order for this exact reason. CC takes 2-3% of the payment, but purchase order - they’ve got to get themselves into the company system, track the PO, invoice, track the payment…at the time, a common estimate was $50 to process a PO, and if you’re only buying $100 batches, that’s a big hit. Did not like that company, but they were the only place to get whatever it was I had to buy.

Revenue divided by time is a depressing metric for anyone who starts trying to monetize their hobby, but that’s not the point. Do your fun project because it’s fun. If you make enough to cash out on Steam, get yourselves some actual trophies. Or pizza. Trying to make money will force you to do all the depressing capitalist things the big studios do, and then it’s not fun anymore.

And X-windows. There’s a few server tasks that I just find easier with gui, and they feel kind of laggy over 1G. Not to mention an old Windows program running in WINE over Xwin. All kind of things you can do, internally, to eat up bandwidth.

Ditto on hardware raid. Adding a hardware controller just inserts a potentially catastrophic point of failure. With software raid and raid-likes, you can probably recover/rebuild, and it’s not like the overhead is the big burden it was back in the 90s.