I'm starting a company which automates personal finance calculations, and helps people optimize debt consolidation and repayment, and investment

oooo

@Beemann not so

He got mad because I called him a skeptic for using skeptic arguments

So it’s a calculator?

@Beemann the average american makes terrible decisions, then wonders why shit doesn't turn out

ahhh britian... the country that once ruled the world is now dying in the snow of hotha while some guy slices it's belly open to stuff people inside it's corpse

Oops sorry Michael. I have butterfingers this evening

French minister calls for EUROPEAN EMPIRE

@R9b1t yeah, but with nobel prize winning mathematics

"Empire of PEACE"

Yay, terrible decisions!

please

So a TI84+?

@R9b1t we can improve on generic models by a considerable margin

by calculating the exact continuous utility of various accounts

@xorgy you can just say people rather then american. All people everywhere constantly make stupid as hell decisions and learn nothing from it

So it uses other successful steps by other accounts to help new accounts?

<https://m.youtube.com/watch?v=Sgd9nYqVz2s>

@Misomania yeah, it's just that the absolute scale of americans' financial mistakes is astronomical

@Misomania the main reason for that is that their absolute wealth is so high

what about greece?

Most Americans can afford a far better true standard of living than they choose to buy

that's what makes it so outrageous

greece doesn't have the revenue to make the sorts of mistakes that america does

or venezuela?

venezuela suffers from the long term effects of personal stupidity: codified state stupidity

it's not a country thing though, people are just fucking stupid as hell

Well, finance is actually hard

so I don't think people are stupid for fucking it up

I was terrified of doing anything except depositing and holding money

because I had nfi how any of this worked

get enough people in a single area and the mistakes compound, and it seems democracy is the system it uses to give those idiots power over the government

I have an IQ greater than 140, and I have trouble understanding my tax returns

Service guarantees citizenship

I have spent the last two years working on personal finance modeling software

and I still don't really understand my personal finances

it is _hard_

I'd imagine that's because tax law is intentionally obtuse

and that is why people make bad decisions

because if they make any decision at all, it is an accomplishment