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Knyteguy posted:I got my employer to pay me to learn react. My first project is already about to be deployed to our sales team probably next week. Kind of why I put redux in the title. You could spend a year or so in the bay area and then end up keeping your $250k computer touching job and taking it remote. This is common. Getting paid $65k for coding is not common. Thinking a $30k/year job is "a very good job" is not common. You are completely self-sabotaging. You have the tools to completely fix these things very quickly, unlike the people you've surrounded yourself with who literally have no other option than living in that lovely town.
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# ? Jun 19, 2019 14:04 |
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# ? May 28, 2024 06:03 |
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Motronic posted:You could spend a year or so in the bay area and then end up keeping your $250k computer touching job and taking it remote. This is common. Where are you guys seeing these? I see jobs for $120k in San Francisco; that's why I've never bothered. My salary = 117k in SF according to https://www.nerdwallet.com/cost-of-living-calculator/compare/reno-sparks-nv-vs-san-francisco-ca No state tax here, etc.
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# ? Jun 19, 2019 14:26 |
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n8r posted:You're anxious about job security because you're worse than broke and have lived like that for years. You mention being burned out from interviews a few years ago. I remember that vaguely - how long were you actively job hunting? It didn't seem that long. You've now got experience in a more in demand language you need to do it again. I can't say for sure how long (3 months maybe), but it ended in me going to San Diego to interview for that consultant job, and them realizing they didn't have the budget to take me on as a dev. Nam Taf posted:If you were risk-averse you'd consider not taking on a risky high-interest loan. It comes across that you're actually just comfortable in this job and afraid of being pushed out of a comfort zone. I'd stipulate that it's why you so often try to spend your way out of debt - you're really spending because it comforts you that you're making an action that, in your mind, will solve the problem without actually doing the hard work. Yeah this is pretty spot on, and I didn't have much luck finding a much better job a few years ago besides two that paid the same ($75k). Mind you I didn't interview in Washington, SF, or Dallas/Austin. The recruiters kept finding me jobs in the south for some reason. One offer I got in Virginia for ex. e: it's probably also important to reiterate that I'm self taught. A lack of degree has hindered me slightly. Knyteguy fucked around with this message at 14:36 on Jun 19, 2019 |
# ? Jun 19, 2019 14:32 |
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Knyteguy posted:I am very uninterested in this. I don’t think I’ll participate further in that case. I’m not very comfortable sharing personal stuff; one of the reasons I fight so hard in here sometimes. Why do you think your mental issues are not connected to your financial issues and why are you somewhat willing to work on the latter and not the former? Confront your demons or you'll be stuck in this pattern of behavior for the rest of your life. Try different therapists until you find someone you can be open with and actually try. Like "one more time" lmao what!?! Or dont you know whatever keep falling for those tricky truck commercials
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# ? Jun 19, 2019 14:50 |
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California's income tax rate for a 100k job is 9.3%. If we ignored marginal tax rates, you get to keep 90.7k of your 100k job after California takes its cut. Is 90.7 higher than 65? Is your stupid excuse for staying in Reno predicated on your inability or unwillingness to do a trivial amount of math? Is your stupid excude for <current undesirable financial predicament> predicated on your inability or unwilling ness to do a trivial amont of math?
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# ? Jun 19, 2019 14:51 |
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Also moving to California / continuing to make poo poo because you foolishly can't calculate post tax remuneration is irrelevant because of what Motronic and HP on Ice are saying. No amount of additional income will get you out of this hole. You could literally be clearing 4x what you make now and still have the exact same problems, because the decisions you make about how to use your scarce resources are why you are in an $80k hole, not some fundamental level of spend that is required of you but you can't just quite reach.
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# ? Jun 19, 2019 14:56 |
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# ? Jun 19, 2019 15:05 |
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You guys are forgetting that they made nearly 100k combined years ago, and their situation did not get any better because they didn't fix the underlying issues. Fix the basics first
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# ? Jun 19, 2019 15:12 |
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My Rhythmic Crotch posted:You guys are forgetting that they made nearly 100k combined years ago, and their situation did not get any better because they didn't fix the underlying issues. The problem as I see it is that their financial decisions are based 100% on KG's volatile emotional state. When he's upset or bored or angry or frustrated, he wants a treat to make himself feel better and he wants it NOW. He then comes up with a bunch of (grossly manipulative) reasons why it makes sense, will improve the family's quality of life, will save money in the long run etc. etc. etc. and for whatever reason his wife goes along with it. The only difference between now & then is that his I NEED THIS NOOOOOOOOOOOW stuff is vastly more expensive and impractical. But it's ok guys, he'll totally fix it now, just as long as nothing ever makes him upset, bored, angry, frustrated, and so on. Totally doable.
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# ? Jun 19, 2019 15:24 |
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Dwight Eisenhower posted:California's income tax rate for a 100k job is 9.3%. If we ignored marginal tax rates, you get to keep 90.7k of your 100k job after California takes its cut. To be fair, living expenses in California are famously high, and although I'm not from the States I can expect Reno to be a bit cheaper. But like you say, it's all an unwillingness to face challenges.
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# ? Jun 19, 2019 15:30 |
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Welcome back, KG! In short, I agree with the hive mind. Pay off CC, build small savings, pay down and sell RV and truck. I hope you can pull the plane up. Its been a few years since we hashed this out in the last thread but I do remember he was finding offers in SoCal on the low end. I have to imagine the resume needs to be boned up. Your lack of degree absolutely may be an issue - with some companies. It means you keep trying and maybe hire a resume editor. Lack of degree with good resume for computer touching just rules out some companies with automated HR screening. Lack of resume story: My buddy with a 14yr work history and no degree applied for an IT compliance position at my company and I forwarded his resume on to the hiring manager with a brief intro. Mgr asked if my friend applied because HR never forwarded the resume through - my friend of course did. HR filtered him out due to no degree. He received a few interviews and 2 solid job offers from companies around double our size, and took the better one. IMO he got lucky our HR/hiring manager blackballed him, but it just goes to show lack of degree doesn't matter - your tenacity matters. Motronic posted:You could spend a year or so in the bay area and then end up keeping your $250k computer touching job and taking it remote. This is common. Nam Taf posted:To be fair, living expenses in California are famously high, and although I'm not from the States I can expect Reno to be a bit cheaper. Degreeless DevOps/SysAdmin friend (3-4ish yrs exp since career change) lives in LA and makes 135k iirc. WFH at least two days a week, good benefits, learning lots of new stuff. His 2br is a little over $2k. Pics and Google Streetview make it look pretty nice. SiGmA_X fucked around with this message at 15:40 on Jun 19, 2019 |
# ? Jun 19, 2019 15:34 |
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Dwight Eisenhower posted:Also moving to California / continuing to make poo poo because you foolishly can't calculate post tax remuneration is irrelevant because of what Motronic and HP on Ice are saying. No amount of additional income will get you out of this hole. You could literally be clearing 4x what you make now and still have the exact same problems, because the decisions you make about how to use your scarce resources are why you are in an $80k hole, not some fundamental level of spend that is required of you but you can't just quite reach. yep hey man i didn't realize that you got two trucks you broke brained idiot, goddamn dude, what is with you and needing to piss away money on uninteresting new vehicles
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# ? Jun 19, 2019 15:36 |
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Knyteguy posted:Where are you guys seeing these? I see jobs for $120k in San Francisco; that's why I've never bothered. My salary = 117k in SF according to https://www.nerdwallet.com/cost-of-living-calculator/compare/reno-sparks-nv-vs-san-francisco-ca Where? I run several engineering teams for a large bay area company that you probably have heard of and hire people at these salaries on a regular basis. You may not have the background to walk in the door making that kind of scratch, but it will be six figures and you will have an opportunity to move up quickly into that kind of salary band if you are any good at this, can keep your poo poo together and not spend yourself into bankruptcy because of your untreated sadbains.
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# ? Jun 19, 2019 15:51 |
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If you live in *lots* of the country I swear there is a gene that you are born with that makes you think trucks are cool and necessary. The Silverado is a super cool looking rig, so yeah I get it. If KG was to relocate for work, now would be the time. Hell he can even travel with his housing! Move to one of the tech cities, live in your RV for a year or two and get yourself out of your current terrible job. Deciding to stay put and stay in a terrible job with no prospects for better pay is not a luxury you can afford. Similar to the luxury of a year long RV trip, you can't afford to stay put. The last time you looked for a job, you only had experience in some niche/old language. Now you've deployed software using current in demand tools. Now is the time to get a better loving job. I'm sure Janus' job has a bunch of upside, but not as much upside as someone getting paid market rate for software development. You have to get your priorities straight.
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# ? Jun 19, 2019 15:54 |
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Janus, what do you do for work exactly? if it's in medical it sounds fairly fungible
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# ? Jun 19, 2019 15:58 |
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They own six figures worth of trucks, listen to Dave Ramsay, and live in a trailer on their parent's property with 4 people and like 5 dogs. I'm guessing the reason they won't just move to San Francisco and double their income is "cultural"
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# ? Jun 19, 2019 16:05 |
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Droo posted:They own six figures worth of trucks, listen to Dave Ramsay, and live in a trailer on their parent's property with 4 people and like 5 dogs. I'm guessing the reason they won't just move to San Francisco and double their income is "cultural" gotta stay close to the deadbeat family that is supposedly the source of all of the stress in their lives
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# ? Jun 19, 2019 16:10 |
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n8r posted:If you live in *lots* of the country I swear there is a gene that you are born with that makes you think trucks are cool and necessary. The Silverado is a super cool looking rig, so yeah I get it. Normally I would agree, but they had higher income in the past and it did not help. Also moving can be very stressful / isolating (even if most of the people they'd leave behind are crazy, you still miss them). I'd wager if they move it will justify a bunch more very bad and very expensive decisions. They gotta fix the basics first.
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# ? Jun 19, 2019 16:15 |
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Knyteguy posted:Yeah I agree, many of my bad spending habits came from my parents. I think they already had two bankruptcies at my age. I definitely don’t want to transfer that to my kid. You know the saying, "the personal is political?" Well, your feelings are your finances. You spend impulsively when you feel bad. You neglect your finances because they make you feel stressed, ashamed, and stupid. You let your family's dysfunctions sway your financial decisions. You're staying in this job (and in your mother's yard) because job-searching makes you stressed and uncomfortable. And so on. Your financial situation is a direct result of your inability to cope with trauma and stress in a productive manner. Same with a lot of your other choices, like living with your alcoholic mother; you let yourself AND your wife AND YOUR CHILD be pulled into an unstable living arrangement with toxic people. You've put your child in the position of continuing the dysfunctional cycle of your family's emotional and financial problems. And if you think I'm exaggerating, try thinking about it in plain words: your son is living in a trailer that's illegally parked on his alcoholic grandmother's property, and his parents don't have the money for an emergency, let alone to improve his living situation.
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# ? Jun 19, 2019 16:50 |
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Here's a post from July 18, TWENTY GODDAMN FOURTEEN. Five years ago, almost exactly. https://forums.somethingawful.com/showthread.php?threadid=3586966&userid=81272&perpage=40&pagenumber=4#post432370394 quote:Bugamol posted: KG's Reply: quote:Hey cool I'm glad you reposted. I was just replying to your post asking if we bought the car before my wife was pregnant. The answer is no by about 2 weeks or so. quote:Just keep in mind that in November when you made this thread you were certain you were "in the black $2,000 a month!" and it's 9 months later and your financial situation hasn't really changed. At the end of the day it's your life and plenty of people get by just fine living paycheck to paycheck. It's really up to you to decide what really matters. quote:I mean technically we are in the black right? It's all a matter of how much money we spend on frivolous crap. I'd like to note that before I got my good job about 1.5 years ago we were living on $19,000 take home a year. Everything we spend money on at this point that isn't rent, food, or gas is all frivolous crap to me. Negative equity on a vehicle "just this once"? Check. "We used to be super broke, so we're fine now!"? Check. "Some external factor will certainly make me straighten up!"? Check. "Gosh, looking back, I could've done much better."? Check.
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# ? Jun 19, 2019 17:08 |
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hey Knyteguy you currently are spending ~$500/month on interest for your truck loan and your RV loan. If you spent $200 on therapy so that you could stop flushing money down the toilet on financing poo poo you don't need you'd be ahead $300 / month. You probably don't need to spend $200 for regular visits. If you ask your therapist for an emergency session and spent $400 in a month you'd still be better off than continuing to finance poo poo.
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# ? Jun 19, 2019 17:15 |
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also all of this is before medical insurance kicks in and lowers costs to copays assuming your insurance actually doesn't suck
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# ? Jun 19, 2019 17:17 |
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Bobbie Wickham posted:Same, I'm ahead on car payments and boosted my contribution to retirement. I also increased how much of my paycheck goes automatically into a savings account that I forget about, so I have less money to spend on nonsense, and I've learned to live within those adjusted means.
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# ? Jun 19, 2019 17:22 |
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Bobbie Wickham posted:You know the saying, "the personal is political?" Well, your feelings are your finances. You spend impulsively when you feel bad. You neglect your finances because they make you feel stressed, ashamed, and stupid. You let your family's dysfunctions sway your financial decisions. You're staying in this job (and in your mother's yard) because job-searching makes you stressed and uncomfortable. And so on. I hope they dont gloss over this post because it seems to sum up the situation very well. Dont cause intergenerational trauma on your kid knyteguy. I hope his wife reads this as well.
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# ? Jun 19, 2019 17:23 |
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April posted:"just this once" This is a pattern I watch for in people. Along the same lines is the "from now on" mentality. "From now on, we're clamping down and following this budget!" --> Saves money for one month --> rewards self with a huge spending bender --> cycle repeats You see these patterns in famous people, everyday people, your coworkers, your friends... it's everywhere.
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# ? Jun 19, 2019 17:26 |
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Ahh yes the cycle
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# ? Jun 19, 2019 17:36 |
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Do you not have health insurance at all right now? WTF kinda job are you working at? If you aren't getting health insurance through your work, you can deduct approximately $5k from your current salary.
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# ? Jun 19, 2019 17:44 |
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April posted:Here's a post from July 18, TWENTY GODDAMN FOURTEEN. Five years ago, almost exactly. this post is righteous
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# ? Jun 19, 2019 18:45 |
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hey Knyteguy here's some more fun math for you because apparently it's scary or hurts you or something in 2014 you were flushing away ~$247 / mo on interest for your financed vehicles now you're flushing away $500 / mo on interest for your financed vehicles doubling at this rate I estimate some time around 2037 you can have achieved your goals and be giving literally all of your income to some bank on interest to service debts incurred to buy poo poo you impulsively financed okay thanks for reading later
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# ? Jun 19, 2019 18:48 |
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KYOON GRIFFEY JR posted:this post is righteous And I forgot to point out that his "frugal" trip around the US has him 70k+ in debt now.
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# ? Jun 19, 2019 18:51 |
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April posted:And I forgot to point out that his "frugal" trip around the US has him 70k+ in debt now. at least he didn't ~*throw money away on rent*~!
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# ? Jun 19, 2019 18:52 |
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Rent and utilities would have been like 15k if that lol
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# ? Jun 19, 2019 18:58 |
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Dwight Eisenhower posted:hey Knyteguy here's some more fun math for you because apparently it's scary or hurts you or something This doesn't take into account the vehicles he has now are depreciating at a stunningly rapid rate. https://www.edmunds.com/chevrolet/silverado-1500/2018/cost-to-own/#style=401729459 Aside from the ~$6k depreciation hit right off the bat the car is depreciating at ~$100/month and he's spending another $120/ month on interest fees.
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# ? Jun 19, 2019 19:10 |
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Nam Taf posted:If you were risk-averse you'd consider not taking on a risky high-interest loan. It comes across that you're actually just comfortable in this job and afraid of being pushed out of a comfort zone. I'd stipulate that it's why you so often try to spend your way out of debt - you're really spending because it comforts you that you're making an action that, in your mind, will solve the problem without actually doing the hard work. April posted:Here's a post from July 18, TWENTY GODDAMN FOURTEEN. Five years ago, almost exactly. Past performance does
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# ? Jun 19, 2019 21:25 |
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A charity! Multimillionaires start charities, not least so that they can unload appreciated investments that they'd rather donate than pay taxes on. Starting charities is not a middle class gig. Even contributing is ill advised for anyone who hasn't secured their income in old age. Gotta focus on the You Foundation first.
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# ? Jun 19, 2019 21:35 |
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brb gonna start a charity
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# ? Jun 19, 2019 21:38 |
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I prefer the Human Fund. It's money for people.
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# ? Jun 19, 2019 21:39 |
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guys stop poking fun he can start the charity after he's a millionaire from his brilliant plan of *squints* spending 10% of his annual income on interest for financed depreciating assets
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# ? Jun 19, 2019 21:40 |
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Gazpacho posted:A charity! Multimillionaires start charities, not least so that they can unload appreciated investments that they'd rather donate than pay taxes on. Starting charities is not a middle class gig. Even contributing is ill advised for anyone who hasn't secured their income in old age. Gotta focus on the You Foundation first. I didn't touch that one before, but I did roll my eyes when I read it. It's just one of those things that's a great indication of how out of touch KG is. "he's an idea guy"
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# ? Jun 19, 2019 21:47 |
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# ? May 28, 2024 06:03 |
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maybe his charity is to support struggling "negative equity rolling in to new cars we can't afford at usurious rates because i'm just too much of ~a car guy~" people with their Problems
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# ? Jun 19, 2019 21:48 |