this post was submitted on 14 Apr 2026
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Showerthoughts
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A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. The most popular seem to be lighthearted clever little truths, hidden in daily life.
Here are some examples to inspire your own showerthoughts:
- Both “200” and “160” are 2 minutes in microwave math
- When you’re a kid, you don’t realize you’re also watching your mom and dad grow up.
- More dreams have been destroyed by alarm clocks than anything else
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- The entire showerthought must be in the title
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- If your topic is in a grey area, please phrase it to emphasize the fascinating aspects, not the dramatic aspects. You can do this by avoiding overly politicized terms such as "capitalism" and "communism". If you must make comparisons, you can say something is different without saying something is better/worse.
- A good place for politics is c/politicaldiscussion
- Posts must be original/unique
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A form of this exists but only compatible with smaller money amounts or whatever your entourage can bring in a bout a year maximum. I don't know how you call it in English but a dumb translation from Moroccan practice would be "turn around" or "random drawing".
Basically you just gather a bunch of people, as many as you can manage and decide on a single share amount, periodicity and number of participants. Each month, every body contributes with the share and somebody takes it home.
For example, you gather 10 people, and decide periodicity is 1 month. And decide the share is $200. You randomly draw the order of distribution. Some people do ask and negotiate the order of turns. Each month one person gets $2000 ($200 times 10) acorrding to the turns planing.
Some people can contribute in 2 or more shares. They simply pay a multiple amount of the share and get to get paid in multiple turns. For example you can have only 8 people but 10 turns.
You could call it turn based contribution.
Once the whole period is elapsed, every body should have had all of their money back.
People that have late turns feel like they simply saved money. People that have early turns feel like they got interest free, halal, loans from their friends.
Had a coworker that did this with a few friends. He was Islamic, thought it was just a thing their culture did. Never heard it outside that job.
Fascinating. Is there a term I can search to learn more?
Rotating Savings and Credit Association (ROSCA). It goes by many other local names across the world, but that's the English wiki page title to get you going
Yes, the rosca Wikipedia page is describing the same system and currently including the Egyptian and Moroccan nes I famliar with. It is perhaps the system OP is looking for.