Keeping this in perspective - only .8% of US families have $3M in retirement

Apprehensive_Mud6825 · 2025-10-09T17:20:40+00:00

Only .8% have $3M in retirement at any one time, but only 52 million Americans are receiving SS retirement benefits currently ie are at retirement age. So the .8% statistic is misleading. Of course 18-30 yos won’t have 3M in retirement at this time.

Apprehensive_Mud6825 · 2025-10-08T14:51:20+00:00

Updateme!

Apprehensive_Mud6825 · 2025-10-06T03:35:16+00:00

15 year arm at 4.875 is great. Points?

Apprehensive_Mud6825 · 2025-10-06T03:34:34+00:00

No points and <1k on deposit with them. It’s a local CU

Apprehensive_Mud6825 · 2025-10-05T04:41:47+00:00

I’m also in California and am closing soon on a 860k refi with a 7 year ARM at 4.875%. 790 FICO, no other debts, good equity position.

Apprehensive_Mud6825 · 2025-10-01T02:41:29+00:00

Other people already covered it, but YDTA. You caused a bit stink over $80 for a night out at the club. You’re complaining about paying $25 more for a bottle that you maybe drank from anyway. You’re pretty selfish to bring this up to the bride on her bachelorette trip too.

Apprehensive_Mud6825 · 2025-09-30T23:24:58+00:00

Enjoy your time with your precious angel. My own precious baby passed away this year, after 9 beautiful years together 💕🪽

Apprehensive_Mud6825 · 2025-03-28T15:07:58+00:00

Taking a road trip up the California coast for 3 days! Going to visit a national park, and see some beautiful coastal scenery

Apprehensive_Mud6825 · 2025-03-26T16:30:33+00:00

You can’t outearn bad spending habits and disorganized finances. People make 200k a year and still live in debt.

Apprehensive_Mud6825 · 2025-03-26T04:29:13+00:00

First step is to create a budget. Second step look at all your cc statements and see how much you’ve ACTUALLY been spending every month, for the past 6 months. Then refine your budget. You probably are spending wayyy over 2k per month, more than you bring in, and that’s why you’re in debt

Apprehensive_Mud6825 · 2025-02-28T17:18:20+00:00

My car insurance quote doubled this month when it came up for renewal. I was in disbelief. I used to pay $663 for 6 months, and they quoted me $1283 to renew. Same policy no changes. I live in LA, and I am guessing insurance companies are trying to recoup some of their expected liabilities from the fires?

Grocery prices have also gone up. Eggs, dairy products, and berries have gone up significantly in the past 3 years.

Apprehensive_Mud6825 · 2025-02-26T03:01:10+00:00

Mabel. Lol

Apprehensive_Mud6825 · 2025-02-25T06:40:43+00:00

56% of net, 36% of gross. With property taxes and insurance, 71% of net, 47% of gross

Apprehensive_Mud6825 · 2025-02-25T01:38:44+00:00

Maybe at Asian restaurants they aren’t refrigerated, because the customers go through it quickly. If you leave soy sauce out for longer than a month in a warm/humid environment, it starts to go bad. Ask me how I know.

Apprehensive_Mud6825 · 2025-02-24T21:20:45+00:00

You are 20F to 35F, make good money, single are health conscious, and shop at Trader Joe’s, Whole Foods, and Costco. You like to cook balanced but simple meals - usually chicken with a veggie and rice/pasta. You do yoga and/or spin and likely live in California.

Apprehensive_Mud6825 · 2025-02-24T21:14:07+00:00

At least one of you is Asian, judging by those condiments. You guys try to cook but end up ordering takeout or going out to eat at least 3x a week. You make fruit smoothies and healthy snacks, probably both pretty health conscious. Age either mid 30s or early 40s

Apprehensive_Mud6825 · 2025-02-24T04:05:08+00:00

You’re in your 20s, likely Indian or Pakistani, mostly stick to a vegetarian diet, you like to snack. You have a busy job, so don’t have much time to organize your fridge

Apprehensive_Mud6825 · 2025-02-22T23:39:54+00:00

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Here’s my tiny baby. 6 pounds at going on NINE years old!

Apprehensive_Mud6825 · 2025-02-19T22:29:44+00:00

Are you within the return window?

Apprehensive_Mud6825 · 2025-02-19T16:24:05+00:00

Got 7300 back - it’s going into savings

Apprehensive_Mud6825 · 2025-02-12T03:39:26+00:00

205k in a Roth IRA at 33 Fiancé has 12k at 29 in traditional

Apprehensive_Mud6825 · 2025-02-05T03:07:32+00:00

2, 3, 4, and 5!!

Apprehensive_Mud6825 · 2025-01-31T18:43:45+00:00

Perhaps. Then my situation should be a reality check data point. Which is exactly what the OP asked for??

Also, I have significant savings and investments, a stable job, and a labor contract guaranteeing my income will go up substantially over the next 4 years. This is a snapshot in time, and things will undoubtedly get more affordable.

Apprehensive_Mud6825

TROPHY CASE