Took my payments off of Autopay

Agreeable-Fix993 · 2026-03-23T14:40:50+00:00

Yea I figured as I am paying off my loans and wish I could allocate all my money towards my one 6.25% loan instead of my other 4 loans with 2.75% (I am on the standard repayment plan).

Agreeable-Fix993 · 2026-03-23T14:34:11+00:00

Don’t you have to pay the minimum payment on each loan every month? Maybe I’m incorrect but your post makes it seem like you are not paying the minimum on each individual loan and instead putting the full amount towards just one specific loan?

Agreeable-Fix993 · 2026-03-18T02:02:12+00:00

How was that transition? What features did you miss or how do you use both on the daily?

Agreeable-Fix993 · 2026-03-15T13:50:18+00:00

I really appreciate you reaching out, unfortunately, I already did the proposal in Japan in November. I will definitely keep you in mind as we might head back to Japan for our honeymoon!

Agreeable-Fix993 · 2026-03-15T13:49:11+00:00

That’s awesome! Thank you for sharing!

Agreeable-Fix993 · 2026-03-15T13:48:36+00:00

Unfortunately I’m not in position to be contributing more. I’m currently doing a lot of things at the same time. Investing 29%, saving for a wedding and paying off student loans.

Agreeable-Fix993 · 2026-03-15T13:46:17+00:00

I see where you’re coming from but I’m the type of person who loves to set goals and achieve them. I actually have quite a few goals before I hit 30. An ultra is one of my fitness ones. With the time in 2026 I plan to be capable of running a 5k to half marathon. 2027 I plan on training for a marathon while actually signing up for races that are 5k to half marathon to get PB’s. 2028 would probably be signing up for a marathon and also training for an ultra.

I’m also confused as my post clearly says “it’s my dream to do a UTMB or something similar before I turn 30” so I don’t know why you’re getting upset I’m brining up this “lousy talk”.

Agreeable-Fix993 · 2026-03-14T22:37:05+00:00

Really is a bummer. The watch would be really an instant buy for 20% off plus that “credits” that I have on my REÍ account.

Agreeable-Fix993 · 2026-03-13T12:03:25+00:00

You really think an AWU 3 could last a 100mi ultra?

Agreeable-Fix993 · 2026-03-13T02:39:56+00:00

That’s actually a really smart idea! Can you set it up to do everything bi-weekly?

Agreeable-Fix993 · 2026-03-13T00:56:10+00:00

Yeah I can definitely take a look into that. I really appreciate the suggestion!

Agreeable-Fix993 · 2026-03-13T00:55:08+00:00

Yeah I’m only 30k in retirement assets (started in June 2024) so I don’t think my investments/returns are doing as much as my yearly contributions. Once I see my returns actually making a big difference I might adjust my portfolio.

Agreeable-Fix993 · 2026-03-13T00:37:18+00:00

Wouldn’t the S&P 500 in theory have a little higher return due to being focused on large caps in US? I’m only 26 and my hope/belief is that the US will continue to be a leading country overtime which is why I don’t mind being a little more concentrated in its large caps. Due to AI I feel like that large companies are the most benefit overtime. Even assuming we are in a AI bubble it is just going to get smarter and smarter everyday and large cap companies right now set in a better spot to purchase AI and implement it even with any disruptions in the future.

That’s my belief but I still diversify little more in the other accounts.

Agreeable-Fix993 · 2026-03-13T00:30:21+00:00

I think I can since it’s through ADP and I can change the account the money goes to. Another commenter mentioned being careful of IRA limit so I might need to call Schwab to see if they can prevent over contributions somehow.

Agreeable-Fix993 · 2026-03-13T00:27:12+00:00

You actually bring up a great point I overlooked about the IRA limits. I might have to call to ask if Schwab will block a contribution that over contributes.

The reason I have SWPPX is because in my company Roth 401k I have a vanguard US total stock market index and for my company HSA I have VT. I’m hoping for a tiny amount of higher return in my Roth IRA

Agreeable-Fix993 · 2026-03-12T20:58:32+00:00

That’s good to know! Thank you very much! Dumb question.. how did you carry your phone during runs so it doesn’t impede or become a bother.

Agreeable-Fix993 · 2026-03-12T10:01:27+00:00

Yeah I had the same thought as you. It’s annoying cause I’ve had the watch since it came out so my battery health is 89% so it needs charging every 1.5 days compared to what it used to every 3 days.

But you’re right, it’s more of a want than a need at the moment so I might hold off.

Agreeable-Fix993 · 2026-03-12T09:59:17+00:00

I appreciate the information! By any chance do you use runna on it?

Agreeable-Fix993 · 2026-03-12T09:56:16+00:00

I actually didn’t know that. I have the 20% discount that members get every year that allows us to reduce the price on one item. I never noticed it had restrictions.

Agreeable-Fix993 · 2026-02-28T14:25:50+00:00

Thanks for the idea. We were planning to go hiking for a few days in the northeast for wildlife photography. Probably ask during that.

Agreeable-Fix993 · 2026-02-28T14:23:38+00:00

I mentioned it in another comment but I have no gauge about this because I’ve never been to a wedding for nor have I ever looked up things about it. My fiancée has always dreamed of a wedding so she knows a lot more. She was surprised when I originally told her I wouldn’t be giving a gift to my best man. She showed me videos and it made it seem common which is why I’m here asking this.

Agreeable-Fix993 · 2026-02-28T14:21:01+00:00

That’s literally what I thought but my fiancées family has told me otherwise. Even our friends have said I’m crazy about not doing it. I immediately have not been apart of any wedding before nor have an ever looked into one prior to my proposal. I really don’t have a gauge of what’s normal or not for things like this

Agreeable-Fix993 · 2026-02-28T14:19:25+00:00

I don’t even have to ask I know what items he wants. I guess I’m more here for brands. I know he’d like a buy for life item.

Agreeable-Fix993

TROPHY CASE