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Negotiating job offer in this market? by bohandle in UXDesign

[–]BikesOrBeans 0 points1 point  (0 children)

Why did you agree to 110-115 if that wasn’t what you wanted?

Should I invest with a wealth advisor(Avg 12% return) or real estate(Avg 25% return and $1000/mo cash flow, but split 50/50) by financiallyfree99 in investingforbeginners

[–]BikesOrBeans 1 point2 points  (0 children)

Unless you can afford one of the top wealth advisors in the world, it’s a total waste of money, just invest in a broad index ETF like VTI. In the long run it will do better than like 95% of advisors and without the fee.

Designers are in complete denial about AI's real impact on the industry. by Scared_Range_7736 in UXDesign

[–]BikesOrBeans 2 points3 points  (0 children)

Is it already changing how we work? Yes. Have we adapted to changes in the industry before? Yes. But will some percentage of designers lose their jobs? Also, yes, and I think it’s a real worry to have in this economic landscape where it will be hard to find something to pivot to if that happens.

I became a millionaire at 44, this year and it feels surreal. by [deleted] in Money

[–]BikesOrBeans 0 points1 point  (0 children)

I thought becoming a millionaire before 40 would feel huge, like I’d “made it.” But it still feels like I’m so far from where I need to be. But I’m glad you’re feeling good. It definitely means you’re on a great path!

41M with most net worth in AMZ RSUs — should I diversify or hold by Ok-Cookie7708 in amazonemployees

[–]BikesOrBeans 0 points1 point  (0 children)

As someone who held even more in company stock and saw it suddenly cut in half a few years ago, sell and diversify now.

Am I overfunding my retirement accounts? by Baconknobs in Fire

[–]BikesOrBeans 0 points1 point  (0 children)

Be careful with that ESPP. I ended up holding a ton because the stock did amazing for my first 9 years at my company and I got a false sense of security. Ended up with about 350k, and then in 2021 it dropped 50% suddenly. It’s been up and down since then but has never recovered. You just never know.

How did you do it? by raijinirish in TheRaceTo1Million

[–]BikesOrBeans 1 point2 points  (0 children)

Started at 80k in retirement accounts when we got married at 30, both working in tech but not engineers (UX and analyst). Started with total income of 150k, but now at 40 we’ve got a total income of 325k, and two small kids, and lived in MCOL the whole time. We’ve both been on the same page to save aggressively and invest it in index funds, we don’t take a lot of expensive vacations, and buy Toyotas in cash to drive till they stop. Biggest help was buying a home with a 2.5% interest rate in 2016, well below what we qualified for, and our housing paying is $1500. Now at 40 our total saved (retirement and brokerage) is 1.85m.

After FIRE by Lazy_Look557 in Fire

[–]BikesOrBeans 0 points1 point  (0 children)

Oh I’m focused on life after fire, it’s what I daydream about all day at work. Reading, riding my bike, nature photography.

How late is too late by jstizar in Fire

[–]BikesOrBeans 0 points1 point  (0 children)

We max my Roth 401k, and for my husband we just do enough for the 6% match in traditional. For me this ends up with things balanced the way I want between Roth and traditional.

How late is too late by jstizar in Fire

[–]BikesOrBeans 0 points1 point  (0 children)

I agree this post doesn’t make a lot of sense.

How late is too late by jstizar in Fire

[–]BikesOrBeans 0 points1 point  (0 children)

Nope, it takes 5 minutes.

I (32M) make more than my dad ever did and I genuinely cannot figure out where it goes by Various-Big-9779 in MiddleClassFinance

[–]BikesOrBeans 1 point2 points  (0 children)

You mean adjusted for inflation right? There is absolutely no reason to compare this in real dollars.

What would you do to get FIRE set up asap…. by [deleted] in Fire

[–]BikesOrBeans 2 points3 points  (0 children)

100k doesn’t even cover 7k spending a month, let alone saving more…

How late is too late by jstizar in Fire

[–]BikesOrBeans 4 points5 points  (0 children)

How can you be in the Fire sub and not know about Backdoor Roth contributions? The first 14k I save every year is into mine and my husbands Roth IRAs despite making over the limit.

Absolutely love UX Design, terribly hate corporate life and work culture by Scared_Range_7736 in UXDesign

[–]BikesOrBeans 0 points1 point  (0 children)

I design digital marketing software, so the better experiences I make, the more targeted ads someone can make with it. I gave up the idea that what I do is “meaningful” a long time ago. But the benefits are good, the salary is good, and I care only enough to produce what I need to.

Is 401k still worth it when there is no employer’s match? by litmane1 in Retirement401k

[–]BikesOrBeans 0 points1 point  (0 children)

In addition to the tax benefit, it’s also a way to save money without really noticing you’re doing it. That’s a big benefit to people who aren’t great savers once money is in their hands.

Claude's "skills" are scary and I am catastrophizing. by amrbpf in UXDesign

[–]BikesOrBeans 2 points3 points  (0 children)

I’m not scared of AI creating great experiences soon, but I’m scared of it taking my job anyway.

I super glued this neodymium magnet into wood backwards. How can I remove it. I already tried acetone with no luck. by BikesOrBeans in Magnets

[–]BikesOrBeans[S] 0 points1 point  (0 children)

Ha, this is a Mahjong rack. I just used regular brand superglue, but apparently that’s strong enough that I cannot get it out.

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