ZFS is fantastic and it can indeed restore files that have been encrypted as long as you have an earlier snapshot.

However, it would not have helped in this scenario. In fact, it might have actually made recovery efforts much more difficult.

It could have helped by automatically sending incremental snapshots to a secondary drive, which you could then have restored the original drive from. However, this would have required the foresight to set that up in the first place. This process also would not have been quick; you would need to copy all of the data back just like any other complete drive restoration.

50k and paying 15k, because that person is living within their means. They probably share a shitty apartment with roommates and have a crappy car, but they can sustain their lifestyle. Eventually they will retire with investments covering the exact same income that they have now.

100k paying 50k is a hot shot, a flash in the pan. They have a higher quality of life right now, but they will likely crash and burn. They cannot live and invest enough money to sustain their lifestyle, and they won’t know what to do when they suddenly have to live on half of what they used to make.

Making more money does not mean you have better finances, it usually just means you own more expensive stuff right now.

Edit: the one exception is the 100k paying 50k and then living like the 50k paying 15k for literally everything else. They are not the norm, but those people will probably be ok. They’ll have to move when they retire though, or have like no paid fun ever.

It’s extremely difficult to pull off today, but that doesn’t mean that it isn’t an appropriate figure. The “wants” and “investment” categories have effectively been wiped out for a large number of people, which isn’t a healthy and sustainable way to live long term.

This is what the entire “living wage” argument is based on. Regular people aren’t making enough money to have a healthy budget. Well, some are just over inflating wants, but that’s not the people I’m talking about.

30% is widely considered to be the most you should pay for a living space in order to live a sustainable lifestyle and retire comfortably. It even says in the article that they consider anyone that has to pay more than that to be “cost burdened”.

It usually breaks down somewhere around 30% on housing, 20% on necessary bills, 30% on wants / unnecessary bills, and 20% on retirement investments / savings.

The fact that nearly half of renters cannot do that is the problem that they are trying to highlight, but it doesn’t offer much of a solution. These people will not be able to retire without public assistance (if they can at all), and will likely run into serious struggles long before then.

It translates to this meme template.

I don’t remember voting on the curriculum last time I was in school.

I can now though, so thank you for telling me about this. It definitely should have been included.