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Pryor on Fire posted: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. He said he has zero debts and $3000 is 5x his monthly expenses so his expenses are only $600, monthly income is $15.50 x ~173 x ~0.75 = right around $2000. OP, you top out in the 15% federal tax bracket so you should definitely do a Roth IRA / Roth 401K while you are still at 15%. Getting your emergency fund up to $3000 before you buy a bike is a good idea and should only take you a couple months - maybe you can watch for a used bike that you want on Craigslist and see if the perfect one shows up over the next couple months. I would stay away from school unless it specifically helps you with your job - instead focus on building a career given your current opportunity, and take their professional training/etc when you get the opportunity to do so. Don't go back to school with no specific purpose though, especially if it didn't go so well the first time you tried.
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Jul 9, 2017 16:20
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| # ¿ May 22, 2024 02:02 |
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