I wouldn't worry too much about it. It sounds like he is very shy and inexperienced. It's probably just excitement/nerves. You can ask if he likes hugging or if he'd prefer something else. If he says he likes it, I wouldn't bring it up anymore.
No, I'm lazy and prefer to just do some basic cash back cards.
Reason #421 for RE: All company calls scheduled at 7am the first day back from a 3 day weekend
yoga
my current career (which would have the add-ons of saving more sooner, meeting my spouse earlier, getting to travel more when I was younger, bought a house earlier, etc)
went to the dermatologist to get a diagnosis. I was miserable for years and could have solved the issue much sooner, since she knew exactly what was wrong with me the second she saw me
learned about investing/retirement accounts
Be careful not to get too loose of a sweater. My guy peed all over one of his because it hung down into the line of fire. Now he can't wear it until after laundry day.
I've heard of people putting kiddy pools inside with sod during storms, if you have a garage or basement that will work for that.
That being said, after putting on and taking off his coat all yesterday when we went outside, my dog absolutely refuses to wear one this morning. I went out with him and stood on the porch while he did his business. I think going out with them helps them bear it a little more.
Note: my dog does have ~10lbs on yours though
My 97 year old grandma spent Christmas in the hospital with COVID and congestive heart failure. I'm honestly shocked she isn't a part of this statistic.
Probably not related to the extremely high rates of micro plastics found in bottled water recently...
/S
New one dropped in September. Get it if you're able
Woohoo. Finally talked the spouse into a trip for later this year. They aren't big on travelling and kind of burned out on travel this past year. I finally found a decent deal on flights to somewhere they didn't completely hate the idea of.
Now I have six months to plan an epic trip to Toronto and Quebec City!
General retirement advice is to contribute 15% total to your retirement account. Since your employer adds 12%, you should contribute a minimum of 3%.
As for your coworkers advice, it may or may not be valid. Contributing to your 401k or a taxable account, both allow you to invest your money. The 401k comes along with tax advantages. Assuming you are making Traditional contributions, then you are saving taxes at the marginal tax bracket (potentially 22 or 24%). If you contribute enough to drop your MAGI to the 12% bracket, then the tax benefit is much less. You can still contribute to Roth, which means you can withdraw that money tax free in the future but you have to pay taxes on it now.
Another thing to consider is the fees in your 401k. Since you are limited to the options provided, sometimes fees are quite high. If you don't have any options that cost less than 1%, you likely are better off investing your money elsewhere.
Finally, you get into the really personal part of personal finance. What are your goals? Do you have short/medium term goals that you would prefer to save this money for? For instance, if you want to save up for a down payment for a house in the future, putting that money in a 401k is a bad choice. Do you have a comfortable emergency fund to pay for unexpected expenses? Do you have high interest debt to pay off?
A good resource is this flowchart from r/personal finance: https://imgur.com/u0ocDRI
I'm a big fan of the Kroger butter chicken sauce. It's gotten pretty expensive so I don't buy it as often as I used to, but I think it's super tasty. I usually throw it together with some mixed frozen vegetables and rotisserie chicken served over rice. It basically takes as long to cook as it takes the rice cooker to finish the rice.