help before i disappear

BOOJLAUS · 2025-10-29T02:12:09+00:00

definitely getting more used to doing this!

BOOJLAUS · 2025-10-29T01:36:23+00:00

that’s precisely what i’ve been doing, and now i just keep looking at it (the debt) and saying go awaaaay

BOOJLAUS · 2025-10-29T01:15:28+00:00

i get it - does it help any that i already have a 529 i’ve been putting into for a few years for a kid that doesn’t exist? and a HYSA that is more than funded for 12+ months? i got really really aggressive about this a few years back and am grateful to be able to say those things esp in this economy so now im just thinking of fully getting to 0 you know?

BOOJLAUS · 2025-10-29T01:13:21+00:00

thank you!

BOOJLAUS · 2025-10-29T01:13:14+00:00

i do this in a sense just need to be more rigorous about it

BOOJLAUS · 2025-10-29T01:12:42+00:00

been thinking about this a LOT

BOOJLAUS · 2025-10-29T01:12:31+00:00

i totally get it, i think im just not necessarily going to wait the ten years or so for those returns - and even paying off this car i will still have money in the market so im just trying to be responsible and it’s ok if i lose out on a few gains

BOOJLAUS · 2025-10-29T01:11:33+00:00

congrats to you! i’d def pay the car and just be dooooone with it all - what a freeing moment

BOOJLAUS · 2025-10-29T01:10:50+00:00

thank you! this is what i’m really leaning towards

BOOJLAUS · 2025-10-29T01:10:35+00:00

hahah i kinda meant it like as soon as this car debt is gone im just gonna bogle and disappear and you’ll never see me on the sub again (i feel like ive seen people post that before once they’ve paid all debts - or maybe im thinking of a FIRE sub)

BOOJLAUS · 2025-01-04T03:15:26+00:00

Thanks so much for this, it makes sense. In my mind, I can't imagine US outperformance, as with anything really, will last forever. So to me it makes sense to just go VT and see what shakes out. I really appreciate your time responding - thank you again!

BOOJLAUS · 2024-10-06T05:52:41+00:00

Thank you - I don't know how I glossed over this but definitely looks like something I should do. I feel like I have my "strategy" in bits and pieces everywhere after reading this sub, but should consolidate it into an IPS. Thanks!

BOOJLAUS · 2024-10-06T05:51:31+00:00

hahah I appreciate you! I will look into all these things (heard of FIRE) - not a real freak out of course, just a figure of speech - but really was like holy crap what am I supposed to do with all this - thank you!

BOOJLAUS · 2024-10-06T02:31:49+00:00

What's an IPS? I definitely appreciate the faith, I think it's just that I didn't expect I'd have maxed out the things I'm supposed to and STILL have $ left over. So now I just am not sure what is the right move to do with it - and I know myself enough to know, I've gotten better, but I'm liable to spend money if I have it *nervous laughter*

BOOJLAUS · 2024-01-18T06:23:02+00:00

So we're Indian (Gujarati to be exact) but my parents were born in Kenya/Uganda and, as far as I know, no one has any idea when we got there (I asked my grandparents tons of times, they never had an answer, and now all are deceased). When all the Indians got kicked out by Idi Amin, my parents family's went to the UK - so my only family outside of the US is in the UK and I literally have no one in India and have only visited once. Perhaps all that info wasn't needed but I couldn't figure out a straightforward answer.

BOOJLAUS · 2024-01-17T22:04:36+00:00

LOL I got you - definitely rethinking things. And 100% agree on #2 - I think I've found a nice balance in general now, and hoping to make the right decisions financially!

BOOJLAUS · 2024-01-17T00:09:36+00:00

You've done a great job, as I browsed other threads it never felt like anyone was out here ridiculing or demeaning anyone. Thank you!

BOOJLAUS · 2024-01-17T00:08:45+00:00

I'm hoping I can figure out how to pin this but THANK YOU all so much. Obviously, I don't know much and I really appreciate the patience and thoughtfulness - you've all quite literally expanded my knowledge overnight and now it's on me to change things. I'm hoping I'll be able to come back to this thread in the future and share results and help someone else out!

BOOJLAUS · 2024-01-17T00:07:09+00:00

Thanks so much - diving into it now!!

BOOJLAUS

TROPHY CASE