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You're not giving out any hard numbers out so it's hard to give any specific advice. Your household is up to $30/hr (or will be if the new unknown job works out?) and you seem super excited about this and want a bike and house but it's not clear what your saving rate is or what your debts are like. If you can save half your paycheck it's still going to take like six months to build up that minimal emergency fund, focus on that first before the bike and house.
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Jul 9, 2017 15:43
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So he lives with his parents and spends $600 between two people on cigarettes and food and everything else? drat that's something else. And he is banking on this new job being rock solid even though he hasn't started yet and should invest in career training? And literally the first thing he wants to buy is a bike after he quits smoking, followed by the second thing being a house? These are the financial literacy questions that have been thrown before you. Yes worrying about marginal tax rates and 401ks is, I guess technically correct default advice, but it's a bit cart before horse, just focus on the emergency fund.
Pryor on Fire fucked around with this message at 19:25 on Jul 9, 2017 |
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Jul 9, 2017 19:22
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