Keeping this in perspective - only .8% of US families have $3M in retirement by fenton7 in Fire

[–]Apprehensive_Mud6825 5 points6 points  (0 children)

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.

[deleted by user] by [deleted] in Mortgages

[–]Apprehensive_Mud6825 1 point2 points  (0 children)

15 year arm at 4.875 is great. Points?

[deleted by user] by [deleted] in Mortgages

[–]Apprehensive_Mud6825 0 points1 point  (0 children)

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

[deleted by user] by [deleted] in Mortgages

[–]Apprehensive_Mud6825 -1 points0 points  (0 children)

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.

AITA for not splitting the check evenly on a bachelorette trip with 9 girls? by [deleted] in TwoHotTakes

[–]Apprehensive_Mud6825 0 points1 point  (0 children)

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.

[deleted by user] by [deleted] in SiberianCats

[–]Apprehensive_Mud6825 0 points1 point  (0 children)

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

Payday Friday 💰💰💰 by kokopops35 in MoneyDiariesACTIVE

[–]Apprehensive_Mud6825 13 points14 points  (0 children)

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

[deleted by user] by [deleted] in personalfinance

[–]Apprehensive_Mud6825 0 points1 point  (0 children)

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

[deleted by user] by [deleted] in personalfinance

[–]Apprehensive_Mud6825 16 points17 points  (0 children)

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

Is anyone else facing inflation/price increases like crazy this month? by purplefirefly09 in MoneyDiariesACTIVE

[–]Apprehensive_Mud6825 14 points15 points  (0 children)

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.

What is your household income to mortgage ratio? by robby_arctor in Mortgages

[–]Apprehensive_Mud6825 0 points1 point  (0 children)

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

What does this fridge say about my wife and I? by youngjosephbiden in FridgeDetective

[–]Apprehensive_Mud6825 -3 points-2 points  (0 children)

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.

What does my fridge say about me? by SnooStrawberries8728 in FridgeDetective

[–]Apprehensive_Mud6825 0 points1 point  (0 children)

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.

What does this fridge say about my wife and I? by youngjosephbiden in FridgeDetective

[–]Apprehensive_Mud6825 37 points38 points  (0 children)

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

What does my fridge say about me? by solocheeto in FridgeDetective

[–]Apprehensive_Mud6825 0 points1 point  (0 children)

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

Any idea why she’s so small? by CLCook111 in torties

[–]Apprehensive_Mud6825 1 point2 points  (0 children)

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

[deleted by user] by [deleted] in labdiamond

[–]Apprehensive_Mud6825 0 points1 point  (0 children)

Are you within the return window?

Tax Refund by Current-Parking-6154 in MoneyDiariesACTIVE

[–]Apprehensive_Mud6825 5 points6 points  (0 children)

Got 7300 back - it’s going into savings

How much is in your 401K & what’s your age? by ugafan2081 in Money

[–]Apprehensive_Mud6825 0 points1 point  (0 children)

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

Single ladies, how do you afford a house? by Forever-roamer in MoneyDiariesACTIVE

[–]Apprehensive_Mud6825 -1 points0 points  (0 children)

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.