don't feel much like giving out the details of my personal finances here just to satisfy Some Guy On The Internet that I don't fit his stereotypes
I agree that you shouldn't, I'll just say that indeed you do fit the stereotype.
So, sure, it's possible that a more sudden and larger change might have screwed me up in various ways. But, I repeat, I see no actual evidence for that
I think I've traced the source of disagreement, let me know if you agree on this analysis.
It's a neat exercise in tracking priors.
You think that your saving ratio is constant as a function of the derivative of your income, while I think that there are breakdown threshold at large value of the derivative. The disagreement then is about the probability of a breakdown threshold.
I, using the outside view, say "according to this statistics, normal people have a (say) 0.8 probability of a breakdown, so you have the same probability"; you, using the inside view, say "using my model of my mind, I say that the extension of the linear model in the far region is still reliable".
The disagreement then transfers to "how well one can know its own mind or motivational structure", that is "if I say something about my mind, what is the probability that it is true?"
I don't know your opinion on this, but I guess it's high, correct?
In my case, it's low (NB: it's low for myself). From this descend all the opinions that we have expressed!
Remark: among those who suddenly acquire a lot of money, I suspect that frequent lottery players are heavily overrepresented. So it's not even the general population that's relevant here, but a population skewed towards financial incompetence.
Well, famous-then-forgotten celebrities (in any field: sports, music, movies, etc.) fit the category, but I don't know how much influence that has. Anyway, I have the feeling that financial competence is a rare thing to have in the general population, so even if the prior is skewed towards incompetence, that is not much of an effect.
I'll just say that indeed you do fit the stereotype.
Just for information: Are you deliberately trying to be unpleasant?
You think that your saving ratio is constant as a function of the derivative of your income
First of all, a terminological question: when you say "the derivative of your income" do you actually mean "your income within a short period"? -- i.e., the derivative w.r.t. time of "total income so far" or something of the kind? It sounds as if you do, and I'll assume that's what you mean in what follows.
So, any...
r/Fitness does a weekly "Moronic Monday", a judgment-free thread where people can ask questions that they would ordinarily feel embarrassed for not knowing the answer to. I thought this seemed like a useful thing to have here - after all, the concepts discussed on LessWrong are probably at least a little harder to grasp than those of weightlifting. Plus, I have a few stupid questions of my own, so it doesn't seem unreasonable that other people might as well.