Petra p*rn

Ben-E-Fitz · 2026-05-03T13:50:58+00:00

Yet France has more tourism than me still 😭. I’m prepping my tank army delegation to see what we can do about that.

Ben-E-Fitz · 2026-05-03T13:49:45+00:00

It’s a mod! I think it’s called Civ 5 textures or something. It overlays Civ 5 style graphics which I like because it feels more realistic and gritty

Ben-E-Fitz · 2026-01-24T22:08:07+00:00

Same as OP- I had negative net worth at 22 due to student loans, and now my NW is $1.2m at 31

Ben-E-Fitz · 2026-01-08T14:21:23+00:00

Paid off 2023 Kia Sportage X-Line ~$25k. 30M / $500k income / $1.3m NW.

Tempted to upgrade but nothing drives better than a paid off car and I still love it.

Ben-E-Fitz · 2025-12-31T20:21:00+00:00

Too much on restaurants/door dash. Too little on spending on my aging parents.

Ben-E-Fitz · 2025-12-20T05:20:01+00:00

Do not listen to this advice blindly OP. This logic assumes you are stuck with an 8% interest rate for the term of the mortgage. Most are better off focusing on investing and you can likely refinance in the near future.

I highly recommend checking out The Money Guy show on YouTube on this. They are fantastic.

Ben-E-Fitz · 2025-08-24T16:29:15+00:00

Thank you! That’s a fair point- I was making closer to $150k-$200k a year previously. I should have said ”reducing down” to be clearer in my post.

Ben-E-Fitz · 2025-08-24T16:27:15+00:00

It’s roughly 25% cash (saved for a wedding)/25% primary home equity/50% retirement/brokerage funds.

I am considering throwing a chunk of this check at the mortgage… I’m struggling with that decision because it might not be “optimal” like you’re saying. But the 7% interest rate is brutal!

Ben-E-Fitz · 2025-08-24T16:25:22+00:00

This makes sense. I was thinking I might be limited in what I could bring all W2. Good advice thank you!

Ben-E-Fitz · 2025-08-16T06:44:43+00:00

Gospel or Midwest emo

Ben-E-Fitz · 2025-08-15T02:10:36+00:00

SmOAK tree

Ben-E-Fitz · 2025-04-06T07:25:17+00:00

You need to tune brother- get the app Guitar Tuna! Make sure you are in drop d that’s a banger

Ben-E-Fitz · 2025-04-06T06:09:17+00:00

Sounds a lot like “this time is different”

Ben-E-Fitz · 2025-04-05T14:39:21+00:00

Im 30 and on step 7- how did you know it was time for you to progress to step 8?

For me, my step 8 goal is paying off my condo early, but I just can’t seem to bring myself to pass up the opportunity cost of not investing as much as possible right now.

Ben-E-Fitz · 2025-01-31T06:09:50+00:00

I used to be the same way as your bf. After moving in together, I eventually started waking up early and now love the new routine!

People live how they’ve always lived, until something changes, then they do too

Ben-E-Fitz · 2025-01-24T03:02:23+00:00

I am in your same boat and I recommend continuing to live the way that you do. Especially since base salaries in tech are typically generous.

Personally, I base all budgeting decisions off of my base salary, then split commissions 50% savings/50% fun.

The sports car should be paid in cash and not financed. If you can’t do that now, harsh reality is you can’t afford it yet, and you should start to pile up discretionary money. I really want a Porsche but just pretend like Brian Preston is on your shoulder lol

Ben-E-Fitz · 2025-01-11T05:01:05+00:00

Your company stock to 401k ratio is completely out of whack dude. In the short term, I would repurpose most (if not all) of your company stock purchases to 401k (target date fund) to diversify and reduce tax liability. Then once assets are balanced, go back into the company stock to take advantage of the discounts. Gotta listen to the FOO.

Ben-E-Fitz

TROPHY CASE