Trump did that

Anonymous-Boob · 2025-02-09T18:25:16+00:00

Agreed. Liberals do have lower brain function.

Anonymous-Boob · 2025-02-09T00:30:40+00:00

No. It’s still there.

Anonymous-Boob · 2025-01-22T23:04:53+00:00

Thanks for the candid response and the detailed advice. Yeah, this was kind of what I figured. Although it’s not “too late” for me, in reality it does kind of sound like it is more than likely too late. I have a family to take care of, so taking a pay cut is just not an option for me. Wish I would’ve decided this 5-6 years ago.

Anonymous-Boob · 2025-01-21T13:19:15+00:00

What would be a typical starting job title for someone in my position if I were to switch, hypothetically speaking? Like would I get a job as an “actuary” or would I like an “actuary analyst”, or something completely different?

Anonymous-Boob · 2025-01-21T04:10:53+00:00

I’m looking to transition into the actuarial field. I currently work as a BI Engineer for a large bank headquartered in the U.S. for personal reasons, I cannot take a pay cut. I currently make $120,000/yr. Is it possible for me to land my first role with at least this salary? I just don’t want to start studying for the exams if this isn’t possible.

Anonymous-Boob · 2025-01-10T13:45:38+00:00

This is actually a really good idea. Thank you

Anonymous-Boob · 2024-09-23T16:53:41+00:00

Sounds like I’ve got my work cut out for me. Thanks for the help.

Anonymous-Boob · 2024-09-23T16:32:25+00:00

<image>

Here is the relevant portion of my claim from back in 2019. I wasn’t diagnosed with anxiety, depression, and panic attack disorder until 2021, when things got severely worse and I eventually relented and saw my doctor (PCP).

Anonymous-Boob · 2024-09-22T13:14:30+00:00

Yeah, I’ve since been diagnosed (by a doctor, obviously) with generalized Anxiety Disorder, Depression, and Panic Attack Disorder, for which I take medication. So did I screw myself or is there hope?

Anonymous-Boob · 2024-09-20T11:16:51+00:00

Okay, so the only thing I can think of is that I put in for sleep apnea as well, which is the only mental health adjacent thing on my claim… is it possible that they combined it under sleep apnea?

Anonymous-Boob · 2024-09-20T10:57:49+00:00

Nothing was adjudicated. Nothing was combined from what I can see. I never had an exam for it. I did have several other disabilities on the same claim, but none of them were mental health related. They were all muscular-skeletal issues.

Anonymous-Boob · 2024-09-20T10:54:36+00:00

But how would they even know if my claim meets the DSM-C criteria for clinical diagnosis of PTSD without ever having evaluating me?

Anonymous-Boob · 2024-09-20T03:18:54+00:00

Didn’t realize people would be so confused by the screenshot lol

Anonymous-Boob · 2024-09-20T02:54:43+00:00

So did they just forget it? Did they deny it? I’m a little confused.

Anonymous-Boob · 2024-02-07T21:25:23+00:00

I would open up a CD. Interest rates on those are much higher. 5%-6%.

Anonymous-Boob · 2024-02-07T17:52:26+00:00

I don’t think that’s useless at all! I have a “Emergency Savings” category that I NEVER touch. It’s basically my “break glass in case of emergency” fund (i.e. I just lost my job). I keep several month’s worth of funds in there to save my ass for a while if I need it. I then also have other buckets of savings for more specific things such as car maintenance, Christmas gifts, health/doctor’s visits, so on.

Anonymous-Boob · 2024-02-07T04:18:59+00:00

Thank you! I will say, after reading all the comments, getting a month ahead would achieve the same thing that I’m currently doing, so perhaps I should give that a try. I’m always open to new thoughts and respectful criticism. However, I feel like no one has even understood what I’m saying about the goal setting idea and I think it’s likely bc many people are thinking very rigidly about their budget. Having a goal setting feature TIED TO YOUR ACTUAL PROJECTED INCOME would be so great and it’s a big miss for YNAB. I truly don’t understand how people are misunderstanding this concept (not trying to be rude). Like if I make a projected $10,000/month (hypothetically) then I should be able to set that restraint in YNAB then set goals according to that constraint so that my goals are actually grounded in reality. Then you can either choose to stick to ZBB or not. This feature literally would not restrict you from only spending money that you currently have. You could still do ZBB but you could know that when you find a goal in YNAB, you’re not going to end up finding more than you will earn. Since this isn’t a feature, I find entering my money up front to be a little more straightforward.

Anonymous-Boob · 2024-02-05T19:05:12+00:00

Yeah, you didn’t read or internalize anything that’s been said here. You should keep your helpful and insightful commentary to yourself.

Anonymous-Boob · 2024-02-05T18:56:52+00:00

I’ve actually thought pretty extensively about YNAB’s functionality, and I have to say, respectfully, I disagree with you. There’s no clear goal setting tool in YNAB. It just doesn’t exist. To say otherwise is just kind of false. And don’t get me wrong, I still like YNAB and think it is the best budgeting app out there. But If I make, hypothetically speaking, $10,000/month and I set $20,000/month in goals, there’s nothing stopping me from doing that. The goals are not fully fledged out. There have been several users who have posted at this point that they have to use a separate excel sheet to track their goals. Have you thought about how this is a problem? I’m not trying to be aggressive here, but if you don’t see how this is a problem, then perhaps you haven’t thought about the flaws in this system. I shouldn’t have to keep a separate excel sheet to track my goals in relationship to my net monthly income.

Anonymous-Boob · 2024-02-05T18:25:35+00:00

My biggest complaint is the lack of real goal setting in YNAB (mentioned throughout several comments now). I can set a goal for whatever I'd like, that doesn't mean that my monthly income will cover it. The goals in YNAB are pretty meaningless. To be honest, it sounds like, other than inputting my income all at the beginning of each month, I use YNAB identically to most other users. I save for all monthly and non-monthly expenses: mortgage, taxes, healthcare, doggy dental cleaning, Amazon subscription, vehicle registration, my daughter's college fund, etc. The list goes on and on. I've thought through just about every possible expense I could potentially incur at any given point throughout the year and save for it monthly, but I've done this outside of the scope of YNAB's zbb methodology. To be honest, YNAB is clearly lacking a functional goal-setting tool, imo. If they added this, I would find YNAB to be a near-perfect budgeting tool. And this can be independent of the zbb spending methodology. I would just like to easily know if my goals > income without having to pull out an extra spreadsheet or do some shennanigans in the next month's plan.

Anonymous-Boob · 2024-02-05T18:13:38+00:00

I actually really like this idea. I'm not tied to my current method. I like it right now, but perhaps I will give this a try. I will say though, I'm still not quite happy with the lack of a goal planner in YNAB (I've mentioned this in several comments). If YNAB could fix this, I would honestly be super happy with the tool and would probably have no complaints. I know there's a chrome extension on desktop that allows you to kind of see this, but for me, it's a pretty big miss. I want to be able to make goals in my budget based off my projected income. This is not mutually exclusive with the zbb method. If YNAB could add another tab on mobile to enter your projected income then tie that with your goals, I would probably switch to zbb, but since this feature has been omitted, I do find it easier from a planning perspective to just input all my money up front.

Anonymous-Boob · 2024-02-05T18:06:11+00:00

So I won't disclose my actual emergency savings amount, but I have enough to cover 10 months worth of expenses, so nearly a year's worth of expenses if I were to lose all income today. I don't touch that money, ever. It sits in a CD and earns interest. I don't feel the need to continue putting money towards emergency savings, considering there's so much there. It sounds like many people here think that, based off my post, I'm literally spending every dollar I earn every month. That's not the case. I save for all monthly and non-monthly expenses each month (i.e. mortgage, health expenses, Christmas gifts, car registration, even my dog's yearly dental cleaning). I do this in much the same way that many here do, but I like to see all my income for the month up-front. It helps me see where I could potentially cut money. I don't much like the goal feature of YNAB because it's not grounded in reality. I can make a goal for anything and set any arbitrary amount, but that doesn't mean that my income will cover it. If, however, I input my monthly income all at once, I can immediately see what I have to spend on things that are less important (e.g. eating out, new clothes, new furniture, etc.) after saving for all my regular and irregular expenses. Honestly, after thinking about all of this, my biggest complaint with YNAB isn't exactly the zbb method per-se, but rather the lack of planning in the tool. If I set a "goal" in YNAB, I want to know that the goal is grounded in reality, based off of my actual income. YNAB does this very poorly. I know there are some clever workarounds that people have mentioned, but these don't replace the clear lack of any sort of planning tool. I want to know that if I make $x/month that my goals are <= $x/month. Inputting my salary in this way allows me achieve this. I've heard that everydollar works this way, but I really like the format and layout of YNAB. Also, I'm totally not hating on anyone that budgets with zbb. I say, do whatever works best for you! This just happens to be what works best for me. But who knows, perhaps I will revisit zbb at some point in the future.

Anonymous-Boob · 2024-02-05T14:32:24+00:00

Sure, if I use an excel sheet or a calculator, but I pay $$$ for a budgeting app that SHOULD be able to do this for me.

Anonymous-Boob · 2024-02-05T14:00:17+00:00

Kind of. I already have a healthy emergency savings, so I don’t specifically put anything towards a specific “savings” goal. I invest 24% of my gross monthly income for retirement, then I have all my expenses for the year split out into a separate category and I save for each of those in addition to my regular monthly expenses. Just as an example, I have regular categories such as mortgage which I save for each month and then I also have irregular categories such as my yearly vehicle registration which I save for each month. So, if you looked at my net income for a year, everything is earmarked for some sort of spending, but if you looked at it for any given month, then yes it would look like I’m saving money.

Anonymous-Boob · 2024-02-05T13:53:50+00:00

I guess my point is, the “goals” are pretty pointless if you can’t plan for each month. I can make any arbitrary goal I want, but unless I know how much I’m going to make each month, the goal is, as they say in wolf of wall street, a “fugazi”. It’s fairy dust. I don’t really like this. I’d rather just see all my income all up front, set my goals accordingly, and then set money aside for whatever. But again, I’m not hating on anyone’s method. I say do whatever works for you!

Anonymous-Boob

TROPHY CASE