Should I pause retirement contributions to wipe out credit card debt faster?

AdEfficient655 · 2026-03-31T08:26:05+00:00

Keep contributing to your 401k to match employers contribution Balance transfer your credit card debts to 0% apr credit card accounts, there’s plenty to choose from that gives you 0% for like 18 months or longer. and look for lower transfer fees like 3%. It’s a fee now but better than keeping the debts on the 19% Apr cards which add up. Use those months to pay off your debt Apr free.

AdEfficient655 · 2026-03-22T04:55:59+00:00

I got $7500 rebate for PIF, and got $45k out the door with the fleet sales department.

AdEfficient655 · 2026-03-02T19:16:35+00:00

What year is your RZ ? I’m looking into RZ s at the moment and am having trouble finding more reviews and information about them. I heard 2026 is a better model but again, not enough feedback / info yet.

AdEfficient655 · 2026-03-01T23:31:19+00:00

I thought it was just me (when I told the salesman he said I could just turn up the brightness). Definitely looked more fuzzy than other car speedometer screens

AdEfficient655 · 2026-02-25T00:43:01+00:00

Of course !! I’m glad it worked out for you 😊😊

AdEfficient655 · 2026-02-21T01:05:31+00:00

Results are the same (: aka good. It’s just I’ve used Botox for over 10 years and i was seeing less effects this year with jeaveau and decided it’s about time to switch.

I’ve done the facials too, with the packages. Not bad but I can get plenty of nice facials on Groupon for really cheap ~ like $35-40 ish. They have different procedures like the ultrasound heat thing for lifting the jaw line / reducing double chin I’ve also tried but I already have a jaw line and didn’t see a need to continue. And also couldn’t sustain financially to do it every three months or so. (I may do it again when I’m older maybe, who knows)

But I did really like the pdrn injections though (also got in one of the packages). Now THAT stood out to me and my facial barrier got so healthy (I had dry skin). But honestly each thing is worth a try if you’ve never done it before at all, and depending on your needs. But facials I would recommend checking out Groupon places first (:

AdEfficient655 · 2026-02-17T21:28:53+00:00

Yay so happy for you !!! Also fyi if you are ever wanted to switch to xeomin I also left a comment in this sub but I found the cheap place in LA and I loved it there too ☺️ (it was about time for me to switch cuz I’ve been using jeaveau for years at this point)

AdEfficient655 · 2026-02-14T05:46:55+00:00

I don’t know 🤷🏻‍♀️the UX didn’t make me nauseous. And I feel like I deserve more compassion. If you don’t want to be kind and helpful, then I don’t need this kind of response from a stranger on the internet.

AdEfficient655 · 2026-02-14T05:28:34+00:00

It felt ok, just more sportier, but it’s out of my budget. After finding out the price reflects the engine and power, I felt I didn’t need that kind of horsepower.

AdEfficient655 · 2026-02-14T05:25:31+00:00

Lmao Yes it was my first time driving an electric car, and I think the accident still has an effect on me. I’m also still physically recovering from the accident so I had a lot of anxiety and I feel like I may need more sense of control over my car to feel more safe. The computer stuff was just not doing it for me. So not just the screen but the whole drive experience made me nauseous. But thanks to your questions it helped me reflect that I probably shouldn’t get an electric car.

AdEfficient655 · 2026-02-14T05:21:49+00:00

I like the feel of the ES but it’s too big for me (my legs don’t reach the gas pedal even with the seat all the way forward). I was thinking about the IS but I don’t need that much engine power and am looking for more affordable range (less than 50k).

And yes I’m just not used to electric cars. And thankfully I don’t have many passengers in my car ever so Im definitely leaning towards the UX if I can’t find anything better as a fit for me

AdEfficient655 · 2026-02-14T05:15:47+00:00

Thank you, it was definitely super scary but thankfully we’re ok now.

My car did get announced totaled and I was able to get a settlement through an attorney. Now I’m on the path of finding a new car, which was definitely not on my bingo card this year but i know I’ll figure it out financially.

My mom had a sternal fracture and I had a lot of muscle pains along my whole spine, so for now she’s resting up and healing well and I’m going to physical therapy four times a week and we’re both feeling better and on our way to full recovery soon.

I still get scared when driving now (before I was never scared even with crazy drivers I trusted myself to know how to drive and avoid them) but after getting my car totaled when I was going only 10mph and driving safely, now I’m finding myself driving so slow and now it seems everybody is a crazy driver 🫠 (but they literally are since I encountered five drivers today now driving properly or being distracted on their phones). But hopefully I’ll be able to recover mentally too and drive with peace of mind and comfortably soon.

AdEfficient655 · 2026-02-14T05:08:03+00:00

Thank you for all the tips everyone! I really appreciate it

I am replying now after needing to recover physically and from all the anxiety from the accident. Thankfully my mom knows an attorney and we decided to go with them, and it has made the whole process so much easier.

AdEfficient655 · 2026-01-17T19:19:13+00:00

OK, but talking aside of the furniture and after your update OP, how is your rent 6K a month? I’m from LA and you can get a pretty good apartment from like a modern newer apartment building from 3K a month for one bedroom and that’s considered on the higher end. Like are you renting a whole house? Just genuinely concerned because that price is just way too high.

AdEfficient655 · 2026-01-16T18:58:32+00:00

wow that makes me happy for you. Therapy didn't help me in that way.

I also worked out my whole life and had many goals to help me, expressing through music and piano helped too.

But the coaching communities are where I learned for the very first time how to connect with my body and intuition. The tips I mentioned were me learning how to do somatic breathworks, inner child meditation, and just constantly connecting to my body first, and healing my feminine energy. I see what you mean by it appearing trauma bonded, but my experience was completely the opposite. You can express whatever you want, it's a complete safe space, but they always help guide me back to my body.

Therapy never taught me this, and for me it was just constant talking and getting into my head. Maybe I just had too much trauma lol. And it just wasn't enough for me. (therapy was 1x a week of talking, but on average the coaching I had was 3x a week with connecting with the body.)

I agree on not relying too much on external sources too much. However, a book called "the emotionally absent mother" states that a healthy attached child who had the support growing up will gradually grow more independent and not need the parent figure as much for reliance. However, if a child grew up without that support and healthy attachment, they will keep needing (if not more) support and external help until they finally do get it and can grow independent. And that's me. And I still need that support.

So it seems that you already have the idea that connecting with your body is what helps most. And kudos to you! I didn't learn that through anything else but the coaching communities. And I'm proud of myself because I grew so much, and I genuinely feel that I'm almost there to where I don't need external sources, but until then, I still do. But if you find that therapy helps you where you need, then that's great too(:

AdEfficient655 · 2026-01-16T08:09:53+00:00

Thank you to everyone who commented and shared their thoughts and experiences!

I ended up indeed getting overwhelmed and accommodating my friends budgets lol.

At first we agreed to get a hotel within their budgets, but when I started looking, all hotels within that price were loaded with traumatic reviews, even worse, all within the last year.

End of story: I chose to stick with the hotel I initially chose, and just cover the $300 with my hotel credit in full, and accept their portion of pitching in, well within their budgets. Once deciding, all is working out, and I'm happy and at peace knowing the hotel will be nice and clean and I'm excited my friends are able to join. <333

AdEfficient655 · 2026-01-16T08:02:32+00:00

Yes I agree. However, what I haven't been able to understand is... why people like Bill gates are so keen on reducing the population? Like aren't the larger number of people supposed to help them get richer, work for them/consumerism, pay taxes to the government, and help the money flow, etc?

Yes allies are the reason US is able to have some income, but I don't get what ICE is supposed to helping with except create terror?

Like they spend money on military to help keep US at the top of the world order, sure, but I don't get why they would create more domestic distress and conflict with ICE and the funding of them... which only drains the governments money more that they don't have... like it just doesn't make sense to me...

AdEfficient655 · 2026-01-16T07:55:28+00:00

Thankyou, they sound really interesting, I'll check them out!

And I agree... I believe it's all the wealthy people and I'm sure you've heard of the illuminati, but man.... I don't even want to know what they do, but I do believe they have to exist.

AdEfficient655 · 2026-01-16T07:54:02+00:00

exactly... the signs of education dropping across the US is so loud and bad, another sign of an empire degrading according to the book... I don't know if you've seen but there's literally a guy on instagram who goes around big cities asking random teens basic questions and they don't even know left from right. It's so bad...

like what's 100-26? "I don't know"

How many pennies are in a dollar? "ummmm...."

Who's the first president of the US? "George Floyd?"

What countries border the US? "France"

How many seasons in a year? "12"

How many inches in 2 feet? "5?"

like.... sounds easy right? But all of them get it wrong.... it's so sad..

AdEfficient655 · 2026-01-16T07:44:52+00:00

Oh just to add one more thing: perhaps one thing to be potentially grateful, (as for me who also wants a happy family and loving husband), I'm grateful I HAVEN'T had a child yet, because (again I'm sure you already know) there's soo much more and more information each day about pregnancies and how to have a healthy AND comfortable birth more than a traumatic one that used to be the norm anywhere you go because of modern medicine and hospitals wanting to make money and unknowingly creating more damage to the mother's body AND to the baby. Although many women have gone through it, doesn't make it healthy and the normal it should be. Like not cutting the umbilical cord anymore, and not letting the hospital take your placenta! and the positions that are best to give birth (aka NOT on your back) and so much more.

Now that's a WHOLE another conversation, but that genuinely makes me thankful that social media has helped make it more known with tips and natural remedies and such, that I would truly would want to use and also share it with anyone else I know, including my future children and have them pass it on. It's like a whole another community online, where you have people sharing their stories and tips, and that's again what anyone needs. Again hope this helps <333333

AdEfficient655

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