zaurg thread 2020: How is babby budgeted?

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > zaurg thread 2020: How is babby budgeted?

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Tashilicious: Jul 17, 2016; by Jeffrey of YOSPOS

Ultimate Mango posted:

Serious question: I am being offered a new position at my employer. Would be a ~$45k reduction in base salary, same OTE, but more upside (and likely easier to hit/exceed OTE). Basically moving closer to sales, closer to customers in a new role at the company, and being paid on a small district number vs a huge country number. New quota would be like 1% of the old quota, and I would have a lot more direct control.

Problem: I did not budget for a huge hit to the base, but I can make it work for a time.

Worth the risk at big upside?

how about you keep the same job you do now but send me the 45k a year so I can more than double my salary. tia

# ? Feb 4, 2020 04:54

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# ? Jun 3, 2024 04:17

Referee: Aug 25, 2004; "Winning is great, sure, but if you are really going to do something in life, the secret is learning how to lose. Nobody goes undefeated all the time. If you can pick up after a crushing defeat, and go on to win again, you are going to be a champion someday."
(Wilma Rudolph)

zaurg posted:

I think I'm saving too much into my retirement accounts.

hmmmmmm yes

# ? Feb 4, 2020 05:01

Ultimate Mango: Jan 18, 2005

I�ve discussed my situation pretty openly here in the past. I was making six figures before I could buy beer, which was decades ago. Pay disparity is still totally hosed up, but my income certainly hasn�t kept up with inflation or anything.

zaurg posted:

I think I'm saving too much into my retirement accounts. I should throttle it back a bit and put some more savings into a general savings account, shouldn't I?

Let me ask you guys a question. If you look at the total amount you save per month, what percentage of that is going into dedicated retirement accounts 401k/IRA?

Me? 82%. So if I saved $1000, $820 of that is going to loving retirement. $180 for other poo poo. That's not very balanced is it?

Ha ha ha. NO. Bad Zaurg. BAD.

YOU DON�T GET ACCESS TO LIQUID FUNDS. keep it away from yourself for your own good.

# ? Feb 4, 2020 05:07

Weatherman: Jul 30, 2003; WARBLEKLONK

Yes on this, his seventh? eighth? rereg, he will turn it around, if only you can find the right phrasing.

# ? Feb 4, 2020 05:17

zaurg: Mar 1, 2004

Weatherman posted:

Yes on this, his seventh? eighth? rereg, he will turn it around, if only you can find the right phrasing.

Thank you, Weatherman. One of the true zaurg believer OG's right here, people!

I doubt Weatherman's stamina could be topped.

# ? Feb 4, 2020 05:19

JosephWongKS: Apr 4, 2009; by Nyc_Tattoo

zaurg posted:

Thank you, Weatherman. One of the true zaurg believer OG's right here, people!

I doubt Weatherman's stamina could be topped.

Shut the gently caress up zaurg

# ? Feb 4, 2020 05:21

zaurg: Mar 1, 2004

*nods solemnly and knowingly*

No one could top JosephWongKS's stamina. Truly remarkable. Sorry Weatherman, you are, quite fittingly, #2.

# ? Feb 4, 2020 05:24

zaurg: Mar 1, 2004

Bets on how long I'll stick around this time? 2 days? A week? Anyone even care anymore?

Here's a twist for fun... how do I turn zaurg dot com into a couple bucks extra income per month? Hit me with your sincere suggestions.

# ? Feb 4, 2020 05:27

Weatherman: Jul 30, 2003; WARBLEKLONK

Get hosed zagir

# ? Feb 4, 2020 05:43

Harry Potter on Ice: Nov 4, 2006; IF IM NOT BITCHING ABOUT HOW SHITTY MY LIFE IS, REPORT ME FOR MY ACCOUNT HAS BEEN HIJACKED

shut up boring old man

# ? Feb 4, 2020 05:49

Breetai: Nov 6, 2005; 🥄Mah spoon is too big!🍌

zaurg posted:

I think I'm saving too much into my retirement accounts. I should throttle it back a bit and put some more savings into a general savings account, shouldn't I?

Let me ask you guys a question. If you look at the total amount you save per month, what percentage of that is going into dedicated retirement accounts 401k/IRA?

Me? 82%. So if I saved $1000, $820 of that is going to loving retirement. $180 for other poo poo. That's not very balanced is it?

Have you bothered to work out whether $820 a month is even sufficient to stop you from living off cat food in a cardboard box in your 90s?

# ? Feb 4, 2020 05:50

Ultimate Mango: Jan 18, 2005

Breetai posted:

Have you bothered to work out whether $820 a month is even sufficient to stop you from living off cat food in a cardboard box in your 90s?

�Math is hard� -�90s Malibu Barbie

# ? Feb 4, 2020 05:53

JosephWongKS: Apr 4, 2009; by Nyc_Tattoo

zaurg posted:

Bets on how long I'll stick around this time? 2 days? A week? Anyone even care anymore?

Here's a twist for fun... how do I turn zaurg dot com into a couple bucks extra income per month? Hit me with your sincere suggestions.

My sincere suggestion is for you to shut the gently caress up zaurg

# ? Feb 4, 2020 05:55

Cyber Sandwich: Nov 16, 2011; Now, Digital!

What percentage of your whole income is being set away for the 401k/retirement funds?

I think at least 10% should be the minimum but more saving means more relaxation when we're all old and frail.

# ? Feb 4, 2020 06:00

zaurg: Mar 1, 2004

Breetai posted:

Have you bothered to work out whether $820 a month is even sufficient to stop you from living off cat food in a cardboard box in your 90s?

Yes I have. It says I'm fine and will still have a butt load of money in the bank into my 90s. As long as social security pays out and I get married.

# ? Feb 4, 2020 06:00

zaurg: Mar 1, 2004

Cyber Sandwich posted:

What percentage of your whole income is being set away for the 401k/retirement funds?

I think at least 10% should be the minimum but more saving means more relaxation when we're all old and frail.

For the past year and right now, it's at about 28%. I feel like it's too much, but granted for now I'm trying to make up for lost time of making GBS threads up my 30's.

# ? Feb 4, 2020 06:01

Cyber Sandwich: Nov 16, 2011; Now, Digital!

zaurg posted:

For the past year and right now, it's at about 28%.

I feel like you're on a good track, there. I wouldn't change it.

# ? Feb 4, 2020 06:05

JosephWongKS: Apr 4, 2009; by Nyc_Tattoo

zaurg posted:

For the past year and right now, it's at about 28%. I feel like it's too much, but granted for now I'm trying to make up for lost time of making GBS threads up my 30's.

You should make up for all the lost time of not shutting the gently caress up, zaurg

# ? Feb 4, 2020 06:07

Motronic: Nov 6, 2009

Surely this time will be different.

# ? Feb 4, 2020 06:09

Ultimate Mango: Jan 18, 2005

Motronic posted:

Surely this time will be different.

I give him 48 hours. 72 max.

# ? Feb 4, 2020 06:21

nashona: May 8, 2014; Though she be but little, she is fierce

zaurg posted:

Yes I have. It says I'm fine and will still have a butt load of money in the bank into my 90s. As long as social security pays out and I get married.

Did you pop the question? You know, did you ask her to taze your balls?

# ? Feb 4, 2020 06:24

klafbang: Nov 18, 2009; Clapping Larry

Remember the time zaurg self-banned? Good times. I liked that.

# ? Feb 4, 2020 06:32

Motronic: Nov 6, 2009

nashona posted:

Did you pop the question? You know, did you ask her to taze your balls?

(* can only taze balls when approved by his new HOA)

# ? Feb 4, 2020 06:32

Tashilicious: Jul 17, 2016; by Jeffrey of YOSPOS

klafbang posted:

Remember the time zaurg self-banned? Good times. I liked that.

which time?

# ? Feb 4, 2020 06:35

Thumbtacks: Apr 3, 2013

zaurg posted:

social security pays out

Definitely will still be social security by the time you�re able to cash it out lmao

zaurg posted:

I get married.

not a great track record so far but maybe this time it will work

then again you still know nothing about zuargf�s finances at ALL so maybe don�t do that until you know she would be on the same page about not spending all your money

Really it�s incredible that you have absolutely no idea about the finances of your gf of several years. How is that even possible?

# ? Feb 4, 2020 07:02

pig slut lisa: Mar 5, 2012; irl is good

dude you suck so bad

# ? Feb 4, 2020 07:18

Sundae: Dec 1, 2005

zaurg posted:

I think I'm saving too much into my retirement accounts. I should throttle it back a bit and put some more savings into a general savings account, shouldn't I?

Let me ask you guys a question. If you look at the total amount you save per month, what percentage of that is going into dedicated retirement accounts 401k/IRA?

Me? 82%. So if I saved $1000, $820 of that is going to loving retirement. $180 for other poo poo. That's not very balanced is it?

Take 100% of it and shove it up your rear end until you die from Benjaminitis.

# ? Feb 4, 2020 08:15

Nam Taf: Jun 25, 2005; I am Fat Man, hear me roar!

zaurg posted:

If you look at the total amount you save per month, what percentage of that is going into dedicated retirement accounts 401k/IRA?

Me? 82%. So if I saved $1000, $820 of that is going to loving retirement. $180 for other poo poo. That's not very balanced is it?

Scientists baffled! One man�s endless ability to be so loving stupid.

zaurg posted:

Bets on how long I'll stick around this time? 2 days? A week? Anyone even care anymore?

No. Go away and never return.

# ? Feb 4, 2020 08:26

The Lowdog: Dec 14, 2012

Where is the "budget" urgaz.

# ? Feb 4, 2020 09:46

Tashilicious: Jul 17, 2016; by Jeffrey of YOSPOS

If he posts the budget someone make sure he listed his reg fee.

# ? Feb 4, 2020 12:02

Dwight Eisenhower: Jan 24, 2006; Indeed, I think that people want peace so much that one of these days governments had better get out of the way and let them have it.

Ultimate Mango posted:

Where�s your budget? The one for a February?

As for my sitch: one base paycheck would cover house and car stuff, and one would need to cover everything else, but some big yearly expenses (school, property tax, house repairs (painting this year) would need to be covered by variable income. I prefer to only live on my base salary and save all the rest, but it just wouldn�t be possible with this new style plan.

The upside would be multiple six figures a year, which I think makes it worth the risk.

For those of you not Zaurg, I�m interested in what you think. Talking with my maybe new VP this week, who hand picked me for this job.

IIRC you spent a substantial chunk of time between full-time jobs recently. Variable income is its own headache of difficulty, but I doubt it'll overwhelm you at this point.

How long would it take you to turn the additional upside income into low risk passive income (CDs, HYSA, AAA bonds) to cover the recurring expenses with a stable and predictable income stream? Make that your first priority with your additional upside. Once you've achieved that, the rest is gravy.

# ? Feb 4, 2020 14:58

DarkHorse: Dec 13, 2006; Vroom vroom, BEEP BEEP!; Nap Ghost

The Lowdog posted:

Where is the "budget" urgaz.

# ? Feb 4, 2020 15:05

zaurg: Mar 1, 2004

Thumbtacks posted:

then again you still know nothing about zuargf�s finances at ALL so maybe don�t do that until you know she would be on the same page about not spending all your money

Really it�s incredible that you have absolutely no idea about the finances of your gf of several years. How is that even possible?

Tacks, those discussions take time. I know much more than I did months ago. She's definitely on the same page, which is amazing.

Also it hasn't been several years. It has been less than 18 months.

# ? Feb 4, 2020 15:13

zaurg: Mar 1, 2004

The Lowdog posted:

Where is the "budget" urgaz.

It's on my google docs, Lowdog, as always. I won't be sharing it with you guys though. You don't even look at it or consider it a budget anyway so what's the point?

January went ok. Spent $4320. Earned $4708, which doesn't include a windfall. Not great, not terrible. Gotta do better.

# ? Feb 4, 2020 15:20

KYOON GRIFFEY JR: Apr 12, 2010; Runner-up, TRP Sack Race 2021/22

just sad at this point tbh

# ? Feb 4, 2020 15:25

Iron Crowned: May 6, 2003; by Hand Knit

KYOON GRIFFEY JR posted:

just sad at this point tbh

# ? Feb 4, 2020 15:27

Fezziwig: Jun 7, 2011

KYOON GRIFFEY JR posted:

just sad at this point tbh

I think a permaban is the merciful option

# ? Feb 4, 2020 15:31

Harry Potter on Ice: Nov 4, 2006; IF IM NOT BITCHING ABOUT HOW SHITTY MY LIFE IS, REPORT ME FOR MY ACCOUNT HAS BEEN HIJACKED

KYOON GRIFFEY JR posted:

just sad at this point tbh

# ? Feb 4, 2020 15:52

Czolgosz: Sep 13, 2007; I'll be the Lee Harvey Oswald to your Jack Kennedy.

zaurg posted:

how do I turn zaurg dot com into a couple bucks extra income per month?

You know how there are sites out there that are like, mattress review sites? Like, who the hell buys 50 mattresses and tests them? Why would they do that? Well, for many, it's because they are paid to do so. In addition to whatever advertising revenue they get, retailers will give kickbacks and referral credits to bloggers to promote their product. That mattress reviewer? A conservative estimate of the mattress reviewer's revenues puts him at earning 1.6 million over 18 months.

So do that, but for tasers. Buy every possible taser you can find, use each one to rase your balls, and then write a painstaking review of the efficacy, hand feel, design, and overall value of each taser. Tase your balls a thousand times. You could make millions.

# ? Feb 4, 2020 16:27

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# ? Jun 3, 2024 04:17

JosephWongKS: Apr 4, 2009; by Nyc_Tattoo

zaurg posted:

It's on my google docs, Lowdog, as always. I won't be sharing it with you guys though. You don't even look at it or consider it a budget anyway so what's the point?

January went ok. Spent $4320. Earned $4708, which doesn't include a windfall. Not great, not terrible. Gotta do better.

You gotta do better at shutting the gently caress up zaurg

# ? Feb 4, 2020 16:33

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > zaurg thread 2020: How is babby budgeted?

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