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Joined 3 years ago
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Cake day: June 12th, 2023

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  • The question implies that the OP wants to create one giant filesystem with all of their data on it. This has its own issues, especially if it is in /home. For one, as someone else pointed out, it’s fairly difficult to run your system without /home mounted, and that makes it difficult to resize. Sure, you can set up an admin account with it’s home in the /root filesystem and then log into that - but that seems to be a lot of work in itself.

    If it was me, I’d set up mount points for file systems that make sense. Maybe /data/Photos, or /data/Music, or data/AppData, or whatever. As much as possible, I’d just point whatever software I was using to those new directories to find the data. If that isn’t feasible, for whatever reason, then a symbolic link from /home/Photos to /data/Photos will work seamlessly in most cases.

    As far as I’m concerned, after administering enterprise systems using Unix going as far back as the early 90’s, symbolic links are a key tool in managing disk space that you shouldn’t just dismiss because it’s “an unnecessary layer of complexity”. Having smaller, purpose designed, file systems allows you to manage them better. Sticking everything into /home is probably not the right answer for anyone.









  • My father, who worked in Group Insurance for 35 years, had the best rule of thumb for retirement planning…

    He said that $1M at age 65 is worth $60K a year, indexed to inflation, for life.

    So, work from there. The original question didn’t mention indexing, so you’ll have to figure that in. $100K in 50 years will probably be below the poverty line. Also, if not indexed, then the question is almost a simple question of math. The $100K is 5% of $2M, so if you can get a better return than that then the lump sum is better…QED.

    If you are younger than 65 then the amount you can draw each year will be lower because you’ll need to stretch it out longer.

    Let’s assume that the amount is indexed to inflation, because that makes the most sense (to me, at least). If you were, say, 30 years old, then the annual amount from the capitol might be as low as $20K in order to last your whole life. In that case you be better off with the annual amount.

    If you are older, then it becomes more and more advantageous to take the lump sum, and the two amounts are probably equivalent at around age 60.

    Finally, there’s risk. With a lump sum you are at the mercy of the markets and your investment decisions. With the annual amount, the risk is involved with the entity issuing that payout. If it’s a government entity, depending on the country, it might be way safer than some private company.

    [Edit: Really bad error fixed. $1M at 65 is worth $60K/yr, not $100K/yr]