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Nominull comments on Participation in the LW Community Associated with Less Bias - Less Wrong
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My math was "do I need any more money than I have or could borrow in the next 60 days, no, ok I'll take the higher amount". I suppose this heuristic fails if the higher amount is higher by less than the interest rate I could earn over 60 days, but short term interest rates are effectively 0 right now.