Bill Chopik

Recently, a date said they were an INTJ (i.e., Myers Briggs). I told her, “I'm a PhD in psychology. I refuse to entertain some unscientific typology of personality with dubious scientific backing.” I took pride in expressing my needs. As a Pisces, I really struggle with that.

We asked people around the world to rate the morality and ethics of others in their country. The U.S. is the only place we surveyed where more adults describe the morality and ethics of others living in the country as bad than good. See our full morality report here: pewresearch.org/religion/2026/…

Its a very sad time in the WonderDog household! #RIPZekeIV #ZeketheWonderdog facebook.com/share/v/1Dr1bm…

@ThomasTalhelm Aw, thank you friend!

Kudos, Bill Chopik! 👏 Making the world friendlier, one scientific study at a time. @Chops310 psychologicalscience.org/news/yes-intro…

COMMANDER: We’re fighting for freedom. And part of that freedom… is the freedom to retire with dignity. So we’re going to start accounts called 401(k)s. SOLDIER 1: What’s a 401(k)? COMMANDER: It’s a retirement account. You put money in, it grows tax-free, you take it out when you’re old. SOLDIER 2: So I don’t pay taxes on it? COMMANDER: Well, you pay taxes later. When you withdraw. SOLDIER 2: So it’s not tax-free. COMMANDER: It’s…tax-deferred. SOLDIER 2: What’s the difference? COMMANDER: You pay taxes later instead of now. SOLDIER 1: What if I want to pay taxes now? COMMANDER: Then you do a Roth 401(k). SOLDIER 3: What’s a Roth? COMMANDER: You pay taxes now, and it grows tax-free. SOLDIER 2: That’s what I thought the first one was. COMMANDER: No, the first one you pay taxes later. SOLDIER 1: Which one’s better? COMMANDER: Depends on your tax bracket in retirement. SOLDIER 1: …How would I…know that? COMMANDER: You don’t. You just guess. ⸻ SOLDIER 4: What if I don’t have a 401(k) through my employer? COMMANDER: Then you open an IRA. SOLDIER 4: What’s the difference? COMMANDER: One’s through your job, one’s on your own. SOLDIER 4: Can I have both? COMMANDER: Yes. SOLDIER 4: Should I? COMMANDER: Maybe. SOLDIER 3: Can I do a Roth IRA? COMMANDER: Only if you make under a certain amount. SOLDIER 3: What’s the limit? COMMANDER: Changes every year. SOLDIER 2: What if I make too much? COMMANDER: Then you do a backdoor Roth by putting it in a Traditonal first. SOLDIER 2: …Is that legal? COMMANDER: Surprisingly, yes. SOLDIER 1: What’s a backdoor Roth? COMMANDER: You contribute to a traditional IRA, then convert it to a Roth…but watch out for “pro rata”. SOLDIER 1: Why wouldn’t I just contribute to the Roth directly? COMMANDER: Because you make too much money. SOLDIER 1: But this way I can? COMMANDER: Yes. SOLDIER 1: That feels like a loophole. COMMANDER: It is. But the IRS is cool with it. ⸻ SOLDIER 5: I just changed battalions. What do I do with my old 401(k)? COMMANDER: You roll it over. SOLDIER 5: Into what? COMMANDER: An IRA. Or your new 401(k). Depends. SOLDIER 5: On what? COMMANDER: The funds. The fees. Whether your new plan accepts rollovers. SOLDIER 5: What if I just take the money out? COMMANDER: You’ll pay taxes plus a 10% penalty. SOLDIER 5: What if I’m 59? COMMANDER: Penalty. SOLDIER 5: 59 and a half? COMMANDER: No penalty. SOLDIER 5: …The half matters? COMMANDER: The half matters. ⸻ SOLDIER 3: What’s a mega backdoor Roth? COMMANDER: Okay. So. Your 401(k) has a limit of how much you can contribute. SOLDIER 3: Right. COMMANDER: But the total limit including employer contributions is higher. SOLDIER 3: Okay… COMMANDER: So if your plan allows ~after-tax~ contributions, you can put in more, then convert that to Roth. SOLDIER 3: Does my plan allow that? COMMANDER: I don’t know. You have to ask Betsy. SOLDIER 3: Will Betsy know? COMMANDER: Probably not. ⸻ SOLDIER 2: Can I deduct my IRA contribution on my taxes? COMMANDER: Are you covered by a retirement plan at work? SOLDIER 2: Yes. COMMANDER: Then only if you make under a certain amount per year. SOLDIER 2: What’s the amount? COMMANDER: Depends if you’re married. SOLDIER 2: What if my wife has a plan but I don’t? COMMANDER: Different limit. SOLDIER 2: What if neither of us has a plan? COMMANDER: Full deduction. SOLDIER 2: So it’s better to not have a 401(k)? COMMANDER: No… ⸻ SOLDIER 1: Can I just keep my money in a sock? COMMANDER: You could. But inflation will slowly destroy it. SOLDIER 1: What’s inflation? COMMANDER: (sighs)…

>boot my old windows laptop >its been force-upgraded to windows11 >sign in with microslop account >immediately get blindingly bright pop up: “finish setting up your machine with Copilot” >no ty, click “setup later” >turn down Xbox gamepass offer >turn down Copilot 365 offer >unpin LinkedIn shortcut >open edge to redownload Brave >have to find it in Bing >disable OneDrive (it’s erroring out anyway asking for money, ransoming my files) >unpin copilot shortcut >disable Copilot Recall spyware >run windows update >click shutdown, but it restarts instead >blindingly bright pop-up “finish setting up your machine with Copilot” >copilot shortcut enabled again >try to use the start menu search bar >hangs then returns “search with Copilot” >click, it opens LinkedIn instead >want to close it but it’s frozen >open legendary programmer Dave W Plumber’s award winning software, Task Manager >238 processes called copilot.exe >mutter expletive >Cortana Copilot pops up, “I can help with that!” and freezes >Defender flagged it as malware >immediately get another pop-up >”OneDrive has run out of space! Your files are no longer accessible!” >about to lose it >I’ll just play a game, boot up CoD >pop-up asking to enable Copilot gaming assistant

@yslmammi x.com/i/status/18164…

Your high school friends that have cut contact with everyone and that are now winning at life peacefully and quietly do not want to be searched for or found. Trust me.

With it being Eric Adams' last day in office. I'm bringing back the funniest video in political history.

Bro had to hit the exact price $25.00 at the pump and nails it

Yeah? Well fuck you too Spotify.

A not-so-gentle reminder that olfactory memories are some of our most vivid because the sense of smell connects directly with the brain’s memory and emotion centers. It is unique in this respect - other senses are mediated on their way to the limbic system.

They should invent a second airport for people who have been in public before

My buddy lost his job to AI. It was his job to chug thousands of gallons of water at a data center

"AI is coming for your jobs" I'd like to see AI take a 30 min poop right after clocking in

Before criticizing a city, it's important to give it a chance: immerse yourself in its culture, meet its people, try its food, take part in its long-storied traditions. Anyway, that's why I'm at this Taco Bell underneath an overpass in Lansing, MI

I used to drink tons of Diet Coke but it’s been one month since I’ve had a drop. I want to share some of the changes I’ve observed in myself over that time: - My health is unchanged - I’m less happy - My one source of joy is gone Thanks for encouraging me on this journey!

let’s be real the best invention of the last five years is not chatgpt. it’s nerds gummy clusters

This is so devastating and effective. It feels like using napalm on an ant hill. The game is forever changed.