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You can always move to a cheap country to get care 
In the Philippines, you can get a whole ward of doctors and nurses with those costs.
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You canât generalize that quite like that. Because having a child usually requires two people, and furthermore, one is a man and the other a woman. Not everyone is so lucky that their high school partner becomes their lifelong partner. And a partner might not necessarily be found when one is very young. So let all flowers bloom and letâs hope we are good parents to our children, whether we are young or a bit older fathers/mothers.
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Admittedly, my cynicism shines through a bit in the writing, and I took the easy way out. The text contained many assumptions that I didnât bother to elaborate on, as it would have become even longer, and no one would have bothered to read it anymore 
Indeed, not everyone, or actually, most likely the majority, doesnât even have the opportunity to think about having children young due to a lack of a partner. There are dozens of reasons for this, and itâs a topic for its own discussion, but a major contributing factor is certainly the force at play behind the previously published graph. Men and women are so far apart in their values that a partner simply cannot be found even after years of searching. Let alone one who would want to start a family.
And indeed, we let all flowers bloom. Having children is a profoundly beautiful moment for parents, loved ones, and society. In the end, itâs a minor detail whether one is 20 or 40 years old. Both have their positive and negative sides. You can read my opinion above.
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Without delving further into the challenges related to finding a partner or equality issues, I would say generally and based on personal experience that it significantly eases life when children are already independent at the point when oneâs own parents become dependents.
Especially if you happen to be a woman, even though this is still a rough, albeit data-based, generalization related to caregiving responsibility.
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You might have exaggerated a bit in that text because most Finns are just ordinary folks who are not interested in a career path in the middle management of a listed company. But even an ordinary family needs a home, a car, and a job. They donât necessarily have to be fancy or new, but even for those, you have to work from eight to four. Modern parenthood also requires all sorts of participation in daycare and school, which always happens in the middle of the workdayâŠ
And when you add the current economic uncertainty and the risk of losing oneâs job to this, then having a child can seem daunting. No one wants a poor childhood for their child.
I myself also recommend trying to have children before turning thirty, if possible.
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Good morning and have a good weekend!
If all goes well, today weâll double Croxit. I had to check SEC EDGAR and yes, I remembered correctly, almost 10% of shares redeemed in 2024 #OwnShareBuybackParty
(probably a better use for abundant cash flow than acquiring some new heydude)
But so it doesnât go completely off-topic 
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In India, many things are different, including the perception of a long bear market.
âAs Indiaâs longest equity slump in nearly three decades wipes out roughly $1 trillion in market capitalization, the major blow to retail investors is denting consumer spending and threatening to further slow growth in the worldâs fifth-largest economy.â
The Sensex index looks like this:
I wish the bear markets on the Helsinki Stock Exchange looked like that!
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Now that the axe has been thrown into the well in Helsinki and everyone from Varma onwards has moved their money across the Atlantic to Nvidia, Tesla, and Bitcoin, I had to compare them to Finnish companies.
Better questions would probably have yielded better answers, but Copilot and ChatGPT refused to give reasonable figures when asked, so I had to table a couple of companies myself for comparison:
(errors possible)
| Qt | revenue | 209063 |
|---|---|---|
| profit | 57300 | |
| personnel | 869 | |
| revenue/employee | 240,6 | |
| profit/employee | 65,9 | |
| Harvia | revenue | 175200 |
| profit | 24200 | |
| personnel | 696 | |
| revenue/employee | 251,7 | |
| profit/employee | 34,8 | |
| F-Secure | revenue | 146258 |
| profit | 21067 | |
| personnel | 530 | |
| revenue/employee | 276,0 | |
| profit/employee | 39,7 | |
| Nordea | revenue | |
| profit | 5059000 | |
| personnel | 30157 | |
| revenue/employee | 0 | |
| profit/employee | 167,8 |
Revenue / employee remained, less surprisingly, quite far behind the US giants.
But net profit / employee was higher in many Finnish companies than in many US giants 
I was slightly surprised that, despite the huge number of employees, software companies like Qt and F-Secure beat Nordea!
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So, in your opinion, this path you chose is the only right one? I had a child at 38 and I couldnât really imagine being ready to be a parent at 23. I recommend everyone to listen more to themselves and their own feelings, rather than an all-knowing friend, as each of us is an individual.
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This probably reflects more the flaws of the current discussion culture. It gets quite burdensome if one has to specifically mention all exceptions for every generalizing opinion. In the long run, itâs exhausting to read writings where one constantly has to apologize for oneâs own opinions and highlight that one is aware of the existence of exceptions and the narrowness of oneâs own perspective, etc. etc.
At one point, I remember we always used to laugh at the expression âin principleâ. What is it supposed to mean that in principle itâs like this, but in practice itâs not? In my opinion, internalizing the whole principle would be desirable to bring back to peopleâs minds. The fact that in principle I always wait for traffic lights doesnât mean I never walk against a red light or that I think no one should ever walk. But why does such a thing need to be mentioned separately, so that one doesnât get criticized for it?
Why then draw the conclusion that in this case the thought and action was the choice of the âonly rightâ way?
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From what Iâve observed among my close circle and wider acquaintances, it clearly divides into three categories regarding having children: The majority are sensible-thinking, sufficiently well-off, and unproblematic parents in terms of family life, for whom everything is and has always been fine. Then there are those for whom one is secretly grateful (for the childrenâs sake) that they only had them a bit later in life. And then thereâs the group who one would hope would never procreate â for some, this would be a real risk to the well-being of children, and for others, to the well-being of all humanity.
So, continue to make situation-appropriate decisions. Itâs difficult to prevent cases in category 3 from reproducing, but one can always try.
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Did you snort something before you decided to comment?
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Perhaps I saw my chance to nag about this discussion culture that has been simmering in the back of my mind I did wonder while writing if I am also part of the problem Iâm describing, but this is a coffee room, and the send button is right there, so why not.
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Please note that having children and actively planning for it is a very sensitive topic. Letâs add another sensitive angle: in my own case, it took many years from the moment we decided it was the right time until I cut the umbilical cord for the first time in the delivery room. From my perspective, I am happy that we started pursuing it clearly before turning 30. There wasnât an immediate feeling that time was running out from a biological perspective. It was a difficult matter anyway at the time, so that extra burden wasnât needed. On the other hand, I also think that a few extra years of waiting wasnât harmful. At least there was time to grow a little bit as a person, but I believe that the same opportunity for growth would have come slightly accelerated if it had happened earlier.
There are many angles and recommendations on these matters. Each of them steps on someoneâs toes, but I think itâs only good that difficult and sometimes irritating opinions are dared to be presented and even recommendations are made to others based on oneâs own experience.
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Echoing Mikaelâs wordplay, reading the meme thread gives me a rather rare outrage phenomenon. But yes, sometimes messages that insult our staff or frequently used memes on the internet that sexualize women provoke thoughts and discussion. It is all our responsibility to keep this corner of the internet useful and benevolent. And fun.
This meme series mostly made me giggle Sunny weekend to fellow investors!
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The rounding phenomenon is probably what is being talked about so much here now, when it comes to women.
I donât understand what you mean. Could you elaborate on your thinking?
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You spoke of the phenomenon of outrage, I spoke of the phenomenon of rounding