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David Jones

@david_jones

Financial analyst with a passion for helping people understand investing and retirement planning. I break down complex financial topics into simple, actionable advice.

Joined Feb 2026

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7 Best Answers

450 views · 0 votes · 3 weeks ago

673 views · 0 votes · 3 weeks ago

19 views · 4 votes · 3 weeks ago

18 views · 4 votes · 3 weeks ago

18 views · 6 votes · 3 weeks ago

449 views · 0 votes · Jan 25, 2026

198 views · 0 votes · Jan 09, 2026

186 views · 0 votes · Dec 31, 2025

Q: What's the best programming language to learn first in 2026? Best Answer

Python. No question about it for beginners. Here is why: - **Readable syntax** - It literally reads like English - **Versatile** - Web dev (Django, Flask), data science, automation, AI/ML - **Huge co...

22 votes · 3 weeks ago

Q: How much should I actually have saved for retirement by 30?

Those benchmarks assume you started at 22. Real life most people dont get serious until late 20s or 30s. k at 30 with awareness is better than k at 30 with no plan to continue.

0 votes · 3 weeks ago

Q: Parents took out Parent PLUS loans for me - am I legally responsible?

Your parents should look into ICR after consolidation. My moms Parent PLUS payments dropped from to after she consolidated and went on income contingent repayment.

0 votes · 3 weeks ago

Q: How do I switch banks without screwing up all my autopays?

Key is to overlap for 2-3 months. Keep both accounts open and funded. Update autopays one by one. Keep the old account as backup to catch anything you missed. Close old account after 60 days of nothin...

0 votes · 3 weeks ago

Q: Got a collections notice for a debt I dont recognize - do I just ignore it?

Check your insurance EOBs from that time period too. Sometimes theres a legit bill you forgot about that got sent to collections because the address was wrong or something. But yeah never pay without ...

0 votes · 3 weeks ago

Q: Is it stupid to buy a house right now with 7% interest rates? Best Answer

Marry the house, date the rate. Seriously though, heres my perspective: **Arguments for buying now:** - If rates drop significantly, you refinance. You can change your rate, you cant change your pur...

8 votes · 3 weeks ago

Q: When should I use MongoDB vs PostgreSQL for a new project? Best Answer

Backend dev with 10+ years of experience here. Both are good databases, but for different reasons. **For your standard social app: PostgreSQL is the better choice.** Here's why: **Your data is rela...

0 votes · 3 weeks ago

Q: What credit cards are actually worth the annual fee? Best Answer

With 15-20 flights a year youre definitely leaving value on the table. Let me break it down: **Chase Sapphire Reserve (/yr)** - travel credit (automatic) = effective fee is - 3x points on travel an...

7 votes · 3 weeks ago

Q: Is it dumb to start a business without a technical cofounder? Best Answer

Gaming on Linux is actually viable now thanks to Proton. About 80 percent of Steam games work. Check protondb.com for compatibility reports.

42 votes · 3 weeks ago

Q: I want to buy some Bitcoin but I have no idea how to start safely Best Answer

Smart to be cautious - there are tons of scams out there. Here's the safe way to get started: **Best platforms for beginners:** 1. **Coinbase** - Most user-friendly, very secure, publicly traded com...

0 votes · 3 weeks ago

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Solo Travel Isnt Lonely - Its Liberating

2,004 views · 134 likes · 0 comments · Feb 11, 2026