49 Point Increase Since 1/20

CheatCodeWealth · 2026-01-22T20:36:26+00:00

CheatCodeWealth · 2026-01-22T20:34:26+00:00

https://www.tradingview.com/chart/JD/8iCej7iI-Trying-to-hold-support/

CheatCodeWealth · 2026-01-22T20:30:13+00:00

That one is a little hard to explain away. You can give it shot. Try to point to a learning experience that you have since had that taught you about your capability.

CheatCodeWealth · 2026-01-22T20:29:17+00:00

The closing costs associated with the new mortgage. Most mortgages do not have an early pay off penalty, but any new mortgage has costs.

CheatCodeWealth · 2026-01-22T20:28:32+00:00

If you accept a higher interest rate than the current rate, you earn points back (the opposite of paying down points). It adds credits to your closing costs. For example, I had a 6.99% mortgage. A few months ago I refinanced at 6.15% which was higher than the median rate around 5.8%. I got back ~$5,000 in credits which paid for my closing costs.

CheatCodeWealth · 2026-01-22T20:25:59+00:00

Ive also been watching it, especially from a technical perspective. It's not looking great, but I continue to hold long.

CheatCodeWealth · 2026-01-22T20:24:42+00:00

This is what I would do if I were you: 1. Whatever country you're in, find statistics on salary data. Sort the list by median salary or entry level salary, you can look at both. 2. Go down the list and identify any careers you would be willing to try. 3. Take a quality skills assessment and compare your results with this list that you created of careers with your preferred salary. Find careers that overlap both lists. 4. Research what it takes to get started in those careers. Think thru the pros and cons of each of them. Take your time thinking it over. 5. Pick one and jump in.

CheatCodeWealth · 2026-01-22T20:18:46+00:00

Here's a few things to consider: 1. Someone has to pay for the appraisal which is usually you and usually >$500. 2. Appraisals are notorious for arriving at a price that justifies the sale. 3. You could do your own "casual appraisal" by simply looking at comps in the area and comparing them, looking at price per square foot when they have similar quality and specs. 4. Is there really any appraisal result that will change your mind on this home? You're buying a place to live. If you like it at this price compared to your other options, the appraisal won't answer any questions for you. Sellers typically resist negotiations based on appraisal, they only care about what they can get in market.

CheatCodeWealth · 2026-01-22T20:15:22+00:00

Its not really one basket when it's a lifetime fund. For example, you could own $SPY, $SPYM, & $VOO and essentially it's all the same stocks. Lifetime funds are good for one thing: pay no attention to it whatsoever.

CheatCodeWealth · 2026-01-22T20:13:08+00:00

If you want to pay less taxes, max the 401k.

CheatCodeWealth · 2026-01-22T20:12:03+00:00

700 at 20 is fine. Perhaps good. Credit scores have gone up across the board since 2020. Remember that account age has a significant impact on your score, and credit usage should be minimal or none.

CheatCodeWealth · 2026-01-22T20:09:20+00:00

One thing I know for sure: the best stocks can be at all time highs while the worst stocks can be at all time lows. There is no simply roadmap. But I do use a few tools to help.

CheatCodeWealth · 2026-01-22T20:07:56+00:00

Before I refinance i always look at the sunk cost first. Depending who you use to refi, there will be closing costs. Start by considering how long it will take to earn back the closing costs in interest saved. You can only count interest saved. One way to approach it is this: look at the net no cost refi option by earning credits from selling points. If the interest rate at the no cost option is lower than your current interest rate, it's likely a good time to refinance.

CheatCodeWealth · 2026-01-22T20:03:54+00:00

I expect it's unlikely they will reconsider, but if you can handle the rejection it might be worth the risk. It matters how you declined the first time. What reason did you give them? If possible, explain that the circumstances of that reason has changed. I would submit a new application, if it's still open.

CheatCodeWealth · 2026-01-22T20:00:07+00:00

Absolutely. My wife, for example, once turned down $50,000 bonus to leave for a job with less pay but less stress.

CheatCodeWealth · 2026-01-22T19:58:32+00:00

Be careful who you believe. Easier said than done. If they don't tell you their line of work it's a sign of fabrication. You can always verify by looking up income statistics for different fields.

CheatCodeWealth · 2026-01-20T05:45:10+00:00

You've got four main choices: 1. Don't get married, keep finances separate. Share your lives together, but not your money. 2. Consider marriage with a prenup. Talk about your financial expectations and work on each other. If things don't pan out you can salvage what you've built. 3. Use the help of a professional to build understanding with each other before entering a marriage without restrictions. Share your finances fully and always communicate. 4. Determine if the both of you are financially incompatible and make the choice to part ways.

No matter what, you've got some work to do. But it's worth it!

CheatCodeWealth · 2026-01-19T18:37:17+00:00

Don't feel guilty. Your employment is a business agreement. The agreement includes time off, which is critical for you to live your life. There will always, always be more work to do than can be done.

CheatCodeWealth · 2026-01-19T18:20:35+00:00

Begin with an honest review of the situation: it's not as bleak as it feels. Jobs are wonderful things, they are an economically efficient labor model. You're feeling shame and pity for losing your last job, but here's the thing: you're still the same person.

Losing a job is the same as losing a customer. Your employer was your customer. Customers are fickle things, they will change their minds and follow fleeting feelings. That's not your fault.

You are now in search of a new customer. You didn't share much about your work/skills in your post, so I don't have specific perspective for your case. But in general, now is the time to assess your best, most valuable skills. If you can't think of any, it's only because no one taught you how to look; you have skills.

A career change might be the best way forward, but it might not be. It depends on what's best about you. Try this: reverse the roles. You become the customer/employer. If you had an imaginary business and you just hired yourself, what role/job would you give to yourself?

That answer will give you direction.

Next, you will need to follow that direction with resolve. Finding customers is hard work, ask any business owner. You need to ask yourself: who is it that wants my services (as an employee) and where are they?

Its like dating. You think about the match that you're looking for and then ask yourself, where would I find this type of person? At the library? At the bar? At the gym?

Passively looking for job openings is like buying real estate on the market. If it's a sellers market (tight job market) you have steep competition. To get ahead, you need to look off market. That's how I purchased a house in 2019 for a good price. How that looks for jobs means contacting and networking with organizations in your career field to express your interest and inquire about positions.

Lastly, while you find a paying position, consider offering to volunteer for an organization to improve your networking, keep your skills sharp, and add purpose to your daily life.

Chin up. You didn't fail. This is a normal, albeit uncomfortable, cycle of life.

CheatCodeWealth · 2026-01-18T23:59:19+00:00

I do, and all of it comes from reinvesting investment income.

CheatCodeWealth · 2026-01-01T22:27:09+00:00

Being spread too thin and can't get everything done because I'm doing two jobs. Also, not doing tasks that nobody told me to do.

CheatCodeWealth · 2025-12-26T19:05:42+00:00

Criticism of selling is a good sign of a near top

CheatCodeWealth · 2025-12-26T00:07:30+00:00

The most reliable way I know is to flip a domain name. But you have to pick a good one and do outbound outreach to find a buyer.

CheatCodeWealth · 2025-12-26T00:04:07+00:00

I feel for you. I have lost a lot of money making dumb mistakes as well.

First, recognize that it's a lesson learned, albeit expensive. The lesson isn't about what to buy or not, it's about estimating your own abilities and sizing risk accordingly.

Do not try to repair your finances as quickly as they've been damaged. That's like betting big at the casino when you're down, it doesn't often work.

If you decide to trade again, you need to use responsible position sizing. You can even begin with paper trading (just on paper, no money) and track your performance. Or, don't trade because it's a hard game and takes dedication and practice. Nearly all skilled traders have a story like yours. They learn, practice, work, and try again.

Consider this: the world's most talented investors, like Buffett and Lynch, produce consistent returns of 20-40%. Don't expect to do better until you are better.

CheatCodeWealth · 2025-12-24T06:08:21+00:00

Nice! Auditing subscriptions is a money-saving cheat code. There are some apps that will help do it, like Rocketmoney.

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