I want to add an additional point or two; unlike Reddit, people generally don’t care about karma (total up votes aren’t really counted and some instances don’t even do downvotes, etc) so even if we were mainstream you won’t see much karma farming. People post genuinely, although it might just be a dudes memes on their phone, etc.
Another is regarding the culture, as you may still get banned from specific instances. For instance, there are tankies (authoritarian communists) in places we mostly defederated from that ban you if you criticize the Chinese government or even North Korea (!). World, a typical go to for Redditors, tends to be center left but had their own controversial moments. Personally I don’t mind their defederation choices except I have to use another instance to access pro-piracy stuff (which div0 folks have the best of).




Depends. First, if you need financing, it’s probably not a great time to buy although if things ever get sane, you can refinance. The interest has been high. If you can buy outright, though, that’s a non-issue.
Second, it depends on where you get your income. Some sectors are shakier than others. Rely on public contacts? Avoid. Healthcare? Probably fine. Tech? No idea, probably a bad idea. If you might get replaced tomorrow, do not finance a home.
Lastly, consider where. You don’t want a place that’s going to be hazard prone with global warning. Places are priced accordingly but if your home ends up flooded, set ablaze, or lifted to another location by a hurricane, probably not a great idea. There won’t be enough public support to make up the loss.
I’m personally holding down my starter home but I had to buy points to pay down interest to meet a debt ratio, and my math suggested 8 years to make that a net gain. But the above reasons have factored into my holding back.