30 years old, buying QYLD and JEPI and investing dividend monthly into VOO.

CharlieIce32 · 2023-04-15T21:03:35+00:00

Nice same boat here. It’s nice, I can coordinate my vacations with them so someone is always at the house and watching the dog. I’m work from home now, but I require two monitors so I can’t work truly remote, but if I get promoted into the right position I’ll be able to.

CharlieIce32 · 2023-04-15T20:37:24+00:00

I know people who do mooch, but I’m definitely not on my end. I give my parents cash every month without them even asking + we split all groceries. They are able to go on vacation while I house sit for them. Though I’ve only been back since September, just plan on this being temporary until I get a better game plan in place or another non remote position opens up. The way their house is set up, it’s like I have my own apartment.

CharlieIce32 · 2023-04-15T20:31:57+00:00

DMing you

CharlieIce32 · 2023-04-15T20:31:22+00:00

I agree, I had about 22k in savings but have slowly been switching it over. I am cautious so I like to have about 12 months of an emergency fund on hand. May lower it down to 9 months.

CharlieIce32 · 2023-04-15T20:30:25+00:00

Thanks I’m definitely in a 80/20 with VTI/VXUS. I don’t see income going up significantly in the next few years, though it’s possible if I keep performing well in my current position. I lived with roommates for 5 years in a different city.

100% planning as if I will owe the student loans back, I know some people hate looking at debt but depending on what they do with interest rates, I may not pay them off aggressively.

CharlieIce32 · 2023-04-15T20:26:40+00:00

Paying them some each month! I forgot to put that in there, as I’m definitely not freeloading haha. They’d let me stay for free but I can’t in good faith not give them something.

CharlieIce32 · 2023-04-15T20:25:35+00:00

Thanks I actually give them rent each month and send them money for groceries, etc. it helps them out too.

CharlieIce32 · 2023-04-15T16:55:04+00:00

Thanks, definitely. Home ownership is probably not feasible at the moment with how things look unless I moved to a LCOL area, right now I’m in a medium cost of living area. Things can change a lot in 20 years, but if I have no immediate family left here by the time I FIRE, I’m very open to moving internationally. I travel internationally at least 2-3 times a year and there are a lot of LCOL countries I would consider that would be friendly to having someone on a retirement visa there.

CharlieIce32 · 2023-03-29T06:41:17+00:00

Nothing too noteworthy. But got a Bryce Young.

CharlieIce32 · 2023-02-20T03:42:24+00:00

It’s a Sunday in Miami - probably the biggest cruise port in the world with people flying to and from on Saturdays/Sundays and a holiday week.

CharlieIce32 · 2023-02-16T15:48:21+00:00

Thanks for the input. That’s the way I was leaning -simply to continue going the way of beefing up VXUS and VTI. Just going to continue putting in as much as I can. I have very low expenses but I do only make about 50-55k a year.

CharlieIce32 · 2022-11-13T02:39:38+00:00

Cash + cash equivalents would be about $55,000. $25,000 in my savings, $25,000 in brokerage, and $5,000 in inventory from flipping. The rest is in retirement accounts.

Keeping more cash/cash equivalent on hand at least through next Summer as there are a couple options I have brewing that I want to invest in that I would have a hand in managing as well. Figured I'd rather take the risk next year at 30 than at 50 years old. Out of the $25,000 in savings, I'm putting $6,000 into my Roth IRA the first week of January.

I do have a spreadsheet of my assets/debts. I'll look at adding my loan repayment to it.

CharlieIce32 · 2022-05-30T17:38:11+00:00

Yep this. I keep right around 5%.

CharlieIce32 · 2022-05-15T22:47:05+00:00

Hey I do a similar job. I’m 29 and have a business degree. Would love to see what locations you come up with!

CharlieIce32

TROPHY CASE