OmNom posted:

Hi my name is OmNom and I'm not a financial train wreck. Financially I might be a bit more liquid than I like and need plan for what to do with my resources.

Financial Profile:

Student Loan Debt - $4,132 @ 5%

Cash Reserves - $30,000

Stocks - $11,000

Income Property - Bought in May for $59,368

Valued at around $72,000 and no mortgage,

Monthly Income:
Server Job - $3,600 (average for the year based on YNAB figures. Ranges from $2,900 - $5300)
Income Property - $825 (gross)

Monthly Expenses:
Fixed expenses - $1,350 average
Everyday Expenses - $1,000 average

Total Outflow - $2,300 average

Ok, so now what? For the past 4 years I ran my own business, and I'm only now looking to get into the corporate world. I have no 401k or IRA, and I liquidated the majority of my equities to buy the property. I have a second interview coming up on the 5th for a position in digital marketing which would be a small pay cut from where I am now, but with growth potential, benefits and bonuses. They would offer a 401k with a percent match based on the how the company's profits are at the end of the year.

To get where I am now I've just been methodically good with my money and learned to live comfortably with a little less, though it does help that my hobbies are pretty much cheap out doorsy things. After two years of methodical tracking I am able to see where my major spending points are and where I need to trim. Being in So. Cal there isn't too much I can do to lower my rent.

I am turning to the wisdom of BFC to help me make a better long term plan for my finances.