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pmchem posted:yeah uh is this is a french revolution thread or a thread of goons just posting happiness about personal milestones? I realize people are goofin' around a bit but in general let's just keep it about goon happiness, please. nobody posting here is in the french revolution neighborhood  Don't worry, I'd wager everyone itt knows that no matter how well any of us does, we're still all small fry on the same team in the grand scheme of things. Definitely happy for all of these goons (many of whom have given me great advice in one form or another over the years, so it's not like we've got motherfuckers hoarding wisdom and wealth in their ivory towers here).I will never not laugh at a dunk like "I’m right on the heels of all you millionaires!!!" on our many many countrymen who are still out there drinking the Capitalist Cool-Aid™ and fighting their enemy's battles, though. Gotta laugh or you'll cry, etc. For something more in the spirit of the thread, 2022 and 2023 will hopefully be my third and fourth years of maxing out my Roth IRA contribution despite that being >15% of my pre-tax income. I had some help from very wonderful people in my life and I don't love that I needed that, but as someone who's already 34 and behind, I'm trying to convince myself to just take the win. In a more recent first, I also managed to simultaneously squirrel away 1 month of e-fund in a different bank from my checking cushion. In the past I've always had to keep those two combined in order to reduce uncertainty, so even if it's a small amount, it feels good to have some in a separate account that I can now pretend does not exist. In theory I'm on track to increase that e-fund to 6 months by the end of 2024, so fingers crossed that nothing trips that up. 
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Apr 6, 2023 22:15
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Unsinkabear posted:For something more in the spirit of the thread, 2022 and 2023 will hopefully be my third and fourth years of maxing out my Roth IRA contribution despite that being >15% of my pre-tax income. I had some help from very wonderful people in my life and I don't love that I needed that, but as someone who's already 34 and behind, I'm trying to convince myself to just take the win. In a more recent first, I also managed to simultaneously squirrel away 1 month of e-fund in a different bank from my checking cushion. In the past I've always had to keep those two combined in order to reduce uncertainty, so even if it's a small amount, it feels good to have some in a separate account that I can now pretend does not exist. In theory I'm on track to increase that e-fund to 6 months by the end of 2024, so fingers crossed that nothing trips that up. Congratulations! Those are huge accomplishments and we all need help sometimes. It’s a huge win to have people who care about you that much too
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Apr 6, 2023 22:33
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Yeah, i wasn't trying to start poo poo. I was just generally curious. When i think about my net worth i include houses but when i think about money i need to retire i don't. I am sitting on about $600k cash and investments and $200k house equity. My partner is probably around $400k and $200k so i guess we are millionaires.
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Apr 6, 2023 22:40
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spwrozek posted:Yeah, i wasn't trying to start poo poo.  I just like a good guillotine joke. I meant it tongue in cheek as I would be in that same line.
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Apr 6, 2023 23:06
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Net worth excluding your primary residence is one of the tests for being an accredited investor, so there’s that but otherwise I’d include it.
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Apr 6, 2023 23:11
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Grateful for the F You stash today as I am feeling like it's time to quit and find some new purpose. My work-provided laptop's battery swole up like a Capri-sun and IT refused to replace it due to Cost Cutting Measures in place When I raised a fuss, they retaliated by installing Palo Alto Network's GlobalProtect(tm) to lock out all non-productivity tools and insinuated that my battery is about to explode because I visit non-work related websites 
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Apr 7, 2023 18:44
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GoGoGadgetChris posted:Grateful for the F You stash today as I am feeling like it's time to quit and find some new purpose.  drive that thing down to the fire station and ask if it's safe.
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Apr 7, 2023 20:25
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Didn't know IT required an HR background these days, goddamn
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Apr 8, 2023 06:58
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It's funny how many of us are trying to see if we've hit that next level, but since it's usually us and a spouse we're actually only halfway there. We were really close before the most recent downturn, but I think we might have hit 7 figures with everything now. 
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Apr 10, 2023 14:06
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Nocheez posted:It's funny how many of us are trying to see if we've hit that next level, but since it's usually us and a spouse we're actually only halfway there. It all looks good until you split up... soooo don't do that.
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Apr 10, 2023 16:38
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I don't regularly follow my credit score but I do get emails now and then when it changes and I log into to a major bureau say, once a year. Anyway, did that the other week and looked at a historical graph and apparently my score was recently 844. Highest I've ever seen it and sufficiently high for a Having both long-term and short-term debt and always paying it off on schedule while otherwise being boring worked out I guess. I never tried to game the system.
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May 15, 2023 22:33
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All I have is a credit card I have set to autopay the balance. My credit score hasn’t been doing much, still right 653-683. I have no idea why it drops sometimes
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May 21, 2023 15:07
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I feel like I deserve to post in this thread finally because I hit 20k in the bank
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May 21, 2023 15:20
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Dance Officer posted:I feel like I deserve to post in this thread finally because I hit 20k in the bank
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May 22, 2023 12:58
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- next month will be 5 years straight without carrying over any debt balance month to month, aside from a mortgage. feels good to no longer pay the credit card companies interest and fees like I used to years ago. - retirement savings (401k, IRA, HSA) surpassed 175k for the first time this month. still way behind at age 45 but making progress.
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May 31, 2023 14:33
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zaurg posted:- next month will be 5 years straight without carrying over any debt balance month to month, aside from a mortgage. feels good to no longer pay the credit card companies interest and fees like I used to years ago. congrats on the progress!
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Jun 2, 2023 14:26
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zaurg posted:- next month will be 5 years straight without carrying over any debt balance month to month, aside from a mortgage. feels good to no longer pay the credit card companies interest and fees like I used to years ago. Well done, the habits are good, just time and still got plenty of that really.
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Jun 2, 2023 18:38
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zaurg posted:- next month will be 5 years straight without carrying over any debt balance month to month, aside from a mortgage. feels good to no longer pay the credit card companies interest and fees like I used to years ago. I see nothing here worth tasing.  Congrats, man. You've got me beat on the savings and unless I have a real good next ten years, you still will have when I'm caught up in age. Doing better than you think, imo.
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Jun 2, 2023 18:49
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Celebrating a major win, my daughter just graduated college debt-free. A couple of pieces came together to make that happen. My best friend is a CFP, he opened a 529 for her soon after she was born. For a long time we didn't have a lot to put into it, but $50 a month was better than nothing. Threw in birthday checks from the grandparents, a hundred or so a month when we could afford it. That grew to about $65k by the time she was ready to go off to school. Add in about $20k of scholarships and we cash flowed the rest. All together it was about $150k total. Here some E/N stuff to go along with it: This is all counter to what I grew up with. My dad was always struggling and died broke, even though he owned his own business. Or maybe it was because he owned his own business (and a girlfriend on the side, but that is another story). I finally got into some good budgeting habits and developed a distaste for running up credit cards. Realized at times I was spending to deal with my feelings. I also started listening to Dave Ramsey for entertainment purposes and he was on his college choice kick. My daughter came of age during Bernie so she kept hearing about economics and about the generation before her being trapped in student loan debt. The final piece was when she fell in love with one of our state schools. It was smaller in size, challenging academically and “aesthetically” her vibe. Not sure how things would have turned out if she wanted to go somewhere more pricey, if and how much we would have pushed back. At least can start her adult life not sweating about making payments and bring in a hole. To top it off she’s a first-generation grad; my wife and I don’t have degrees, none of our siblings, none of our parents. She did it through a crazy freshman year roommate, the covid shutdown, and a bout of depression. Super proud of her (and us). This is the life that an ex-crackhead alcoholic like me was never supposed to live.
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Jun 2, 2023 20:02
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tomapot posted:Celebrating a major win Man that's great, congratulations.
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Jun 2, 2023 20:36
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Unsinkabear posted:I see nothing here worth tasing. I read this sentence. I looked back and scrolled over to see who had posted. I shouted, "HOLY poo poo." Congratulations, zaurg. Seriously.
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Jun 3, 2023 11:46
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tomapot posted:Celebrating a major win, my daughter just graduated college debt-free. Such an awesome story. My parents never went to uni and it was pretty much their singular focus for us kids to have that opportunity. You have delivered that opportunity for your daughter and is wonderful to hear she grasped it and persisted through her own adversities to realise the long term goal.
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Jun 3, 2023 15:51
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Just paid off a shitton of CC debt
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Jun 5, 2023 12:55
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tomapot posted:Celebrating a major win, my daughter just graduated college debt-free. Congratulations to you and your daugther, that's an amazing achievement.
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Jun 5, 2023 13:55
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Doc Fission posted:Just paid off a shitton of CC debt Awesome!
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Jun 5, 2023 15:43
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Congratulations tomapot, that's an incredible story and I'm very happy for you 🙂
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Jun 5, 2023 22:40
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I got a new job and just finished transferring my abysmal retirement and setting up my new contributions to get back on track. Old company: 9% total: 6 me, 3 them New company: 24% total: 8 me, 16 them My new plan is on an automatic 1% yearly increase on my side until I max out. I’m 36 and I really want this to start taking off in the background while I continue to save for an overpriced house.
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Jun 7, 2023 16:11
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Rolo posted:I got a new job and just finished transferring my abysmal retirement and setting up my new contributions to get back on track. Holy poo poo, that's probably the best I've seen
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Jun 8, 2023 00:30
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I discovered late last fall that due to the previous, original-build windows (replaced two years after we moved in) were leaking in one corner for a long time, letting water in to soak inside the structure of the wall. After doing discovery on the inside aka ripping out drywall, there was some significant work that needed to be done to replace 5x studs/cripples, sheathing, and a bit of flooring. With a brick exterior. Had a company do the masonry work to tear it down and due to circumstances had a single day to get the work done before they were coming back. With good planning for necessary materials and prep work, I didn't have to go to Lowe's once. I can't imagine what it would have cost to pay someone to do everything, I'm glad I had all of the tools (and knowledge) necessary to pull it off myself. They offered 0% for 12 months financing for the ~$6000 masonry bill, so yeah why not. Paid $1000 down to start and just paid it off in full after six months. devmd01 fucked around with this message at 16:02 on Jun 22, 2023 |
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Jun 22, 2023 15:56
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Awesome, nothing better than a plan all coming together like a good blue movie.
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Jun 22, 2023 16:53
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Hit a number-of-digits milestone in total comp last year, so we’ve celebrated by buying a condo for my sister to live in (mortgaging, to be sure). Was also able to help a friend by co-signing her mortgage after her ex-husband screwed her on some still-joint finance stuff. Next we’re setting up RESPs for our nieces and nephews at $1000/year, backdated for their current age and running until they’re 20. If they choose to not go to post-secondary then they can roll it over into an RRSP so they get an early start on retirement savings. My wife has a nephew who is 30, so we’re just gonna write him a cheque I guess. The major comp increase hasn’t really changed our lifestyle other than accelerating our plan to redo the back yard, but it’s let us help a bunch of friends and family in ways we really enjoy. (And of course all income is still split about 50/50 with my ex-wife through 2023, with a $300K/year-after-tax cap, so that limits the craziness a little.) Sure do need to do our wills, though…
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Aug 21, 2023 16:57
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Subjunctive posted:Hit a number-of-digits milestone in total comp last year, so we’ve celebrated by buying a condo for my sister to live in (mortgaging, to be sure). Was also able to help a friend by co-signing her mortgage after her ex-husband screwed her on some still-joint finance stuff. Congratulations. Make sure you build a big war chest before you start splashing it around. (The childrens college funds you can always pay when they go vs giving them money.) Definitely do your wills, sounds like you're in canada so I don't know how that works.
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Aug 21, 2023 19:12
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I just got a huge raise! Well, not really, but my kid is done with daycare!
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Aug 22, 2023 18:41
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Nocheez posted:I just got a huge raise! Well, not really, but my kid is done with daycare! One more year until freedom for me.
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Aug 22, 2023 18:57
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You think it's freedom, but then you have to figure out summers. Still better than daycare!
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Aug 22, 2023 20:05
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Jows posted:You think it's freedom, but then you have to figure out summers. My kids preschool is on the most working parent hostile schedule. There's literally 4 or 5 weeks off for summer break, 2 weeks for Christmas, week for spring break, and various other oddball days off. And like summer session ended on a Thursday so they would have the Friday to clean up etc. Oh and all the camps have been done for 2 weeks as well. It's just the dead zone of summer for us. 1.5 more weeks to go. 
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Aug 22, 2023 20:42
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After putting it off for way too long, I finally made a household budget. Nothing fancy, just Google Sheets, but I'll check out the budget megathread for additional tips. I'll also max out my Roth this year. Feeling pretty good about that 
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Oct 16, 2023 21:49
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gently caress yeah. Don't forget that budgets should be proscriptive ("do I have enough money to pay for this?") rather than descriptive ("I spent this money that I did/n't have) in non-emergency scenarios. But if all you can do is descriptive spending tracking for now, that's still a step forward!
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Oct 17, 2023 03:31
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Blue Scream posted:After putting it off for way too long, I finally made a household budget. Nothing fancy, just Google Sheets, but I'll check out the budget megathread for additional tips. I highly recommend YNAB. Good job making positive steps!
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Oct 22, 2023 08:24
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I feel like another self pat on the back is in order since I'm well on my way to saving €8000 this year, on a salary that is barely above minimum wage and 90% of full time no less.
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Nov 12, 2023 16:40
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