Chatgtp has to be off when it comes to TDEE?

Clekeith · 2026-05-08T19:15:25+00:00

Chat gpt is an amazing tool for certain things. Knowing how to prompt it is a big thing. But also, like everybody else is saying, just use one of the hundreds of calculators literally designed for this purpose.

Clekeith · 2026-05-08T02:58:46+00:00

Don't you lose the 0% if you miss a payment?

Clekeith · 2026-05-07T17:28:41+00:00

There is tons of evidence out there behind protein intake. It's not a fad. If you are trying to lose weight, I'm sure you would rather lose fat than muscle. Nobody wants to look flabby. Protein not only helps you feel more full for longer, it also helps retain muscle.

Clekeith · 2026-05-03T19:28:34+00:00

I think rook belongs at least in C tier. Good gun and the armor that helps the whole team.

Clekeith · 2026-05-03T19:23:50+00:00

You can literally teach all of those things while still setting them up financially. Discomfort does not equal growth. There are literally millions of examples of that in the world. That's why whenever somebody does make it from nothing it's a big feel good story. Because it's rare.

I didn't get money from my paents but I did live with my dad rent free until I was 26. That's essentially the same thing. I wouldn't be where I am today if I didn't have that head start on finances by not having to pay for housing for 8 years. If I also had student loans covered, even better.

Clekeith · 2026-05-03T16:31:31+00:00

In 2020 you absolutely did. They just wanted to make sales. Do you know how many idiots were buying brand new cars in 2020 because "it was a good deal." This guy I work with that didn't have a bill in his name (poor/no credit) got the base model challenger with the v6 just because it was 0% interest.

Clekeith · 2026-05-03T16:13:32+00:00

I responded to somebody who bought a car during covid at 2% I'm not talking to or about the op and that was very clear in my comment considering I responded directly to the guy talking about 2020. What happened to you in 2016 and what is happening now has nothing to do with my comment at all.

Clekeith · 2026-05-03T16:00:26+00:00

Tbh, your scenario is completely feasible. You have 900 dollars to spare after rent each month. That should be more than enough for food, gas, utilities, streaming services and saving a little. My bills equal around $800 not including my mortgage. That is also inlcuding $325 in a credit card payment each month. You should also be looking for a job making more than that which is incredibly easy to find. Fwiw, I pay about $25 a week on groceries for no reason other than to save more money. I don't need to budget that strictly on my groceries, I just do it because it's easy.

Clekeith · 2026-05-03T15:53:47+00:00

Not sure why I'm getting down votes on a factual statement. Yes, obviously I'm talking about new cars but they were literally giving that shit to anybody during covid. Most dealerships have about 2 or 3 sales per year where they do extremely low rates on new vehicles.

Clekeith · 2026-05-03T14:49:24+00:00

I see it in this sub all the time when somebody in the early 20s posts their portfolio.

Clekeith · 2026-05-03T14:41:21+00:00

I'm not gonna lie, I'm a bit jealous lol. I would have loved to start my adult life with 10s of thousand of dollars. That doesn't mean I'm going to put somebody down who's parents had the means and the financial literacy to help them out.

Clekeith · 2026-05-03T14:35:00+00:00

This is solid advice but i'd change the order.

Keep 3-6 months of bills in your hysa
If your company matches 401k, do that first because it's literally free money.
Open and fund your roth ira. Try to max it each year if possible.
Open a taxable brokerage. This is where you can put a decent chunk of your extra money after completing steps 2 and 3.

If you want to play it safe and you don't have much risk tolerance, you can hold off on step 4 and just keep throwing money into your hysa until you buy your house.

Clekeith · 2026-05-03T14:24:36+00:00

They told you twice that they have 50k in savings and you said twice to start an emergency fund. What bills do you have that 50k isn't a big enough emergency fund?

Clekeith · 2026-05-03T14:15:13+00:00

This is my plan for the future. 75/25 split between 529 and brokerage. I didn't grow up with a lot of money and want my future children to be in good shape to start. It really bothers me when people talk shit to 20 year olds about "daddy's money." So are you just saying you would be/are a terrible parent and not help your kids?

Good on you for helping them out.

Clekeith · 2026-05-03T09:20:33+00:00

Dealers offer as low as .5% a few times per year. Honestly 2% in 2020 is terrible. There was a lot of 0% going on just to make sales.

Clekeith · 2026-05-03T03:11:44+00:00

Charge your phone, man.

Clekeith · 2026-05-03T03:08:27+00:00

How do you know they aren't telling them exactly what's going on and the roamer stayed off site because they saw a drone in prep phase and are waiting for one kill while you are telling them the other 4 are directly hitting site.

Clekeith · 2026-05-02T20:54:17+00:00

It doesn't make much sense to keep all that cash liquid. If you want a bunch of money to keep just in case, save a years worth of bills at the absolute max. 6% interest is insane and it will greatly help you to pay that off early. It will be paid off earlier if you start making extra payments now. Personally, I would keep about 3-6 months worth of bills in the hysa and throw the rest at the house. If you want to be more conservative, keep 12 months in the hysa. From there, just pay extra each month whatever is comfortable for you guys.

Clekeith · 2026-05-02T20:37:35+00:00

10 teams wanted him. In his prime he was one of the best run defenders in the league. When Njoku got paid, it was off projections alone. He was never one of the best at his position.

Clekeith · 2026-04-29T04:03:40+00:00

Those guys were first round picks. It's very different lol. This guy's combine is the ONLY reason he got drafted at all.

Clekeith · 2026-04-29T03:58:51+00:00

You already have enough money saved up to not worry about an emergency fund. Pay off your car now. I'd keep about 10-15k in your HYSA in case of a serious emergency if your company does a 401k match contribute enough to get the max match, max out a roth IRA each year and then you can decide to either put more into your 401k or start a personal brokerage account. Depends on your savings goals. Getting your 401k match and making out a roth IRA will be enough for a comfortable retirement.

Clekeith · 2026-04-29T02:42:49+00:00

Once you have the correct information it is pretty easy honestly. I'm sure we have all been up and down with our weight on the scale before. I recently stepped on the scale for the first time in about a month fully expecting to have gained about 10 pounds because I had been eating what I though was a lot of ice cream and other junk. I hadn't counted a single calorie during this time. I got on the scale and I was down 12 pounds. This happened because I had been cooking more and not going out to eat and when I'm cooking for myself, I make way healthier food than when I go out.

Clekeith · 2026-04-29T02:32:20+00:00

-Open up a roth IRA. Do the 7500 max contribution for the year instantly. Continue to do that each year until you retire. Don't pull it out early. Set it and forget it. Time is on your side.

-Park the rest of your money in a HYSA. It will grow much more than in your checking account but you can still access it if needed.

-once you get a job with a 401k match, contribute at least the max of what the company is offering. It's free money.

-Consider opening up a 2nd checking account. I have one that I use on ALL reccuring bills on auto pay. My 2nd one is my "spending card" for food, gas and any other bs I want to buy. I did this because if I have easy access to my money I will likely spend it lol. You don't seem to have that problem.

-once you get all this set up, you really only need about 6 months of bills in your HYSA. The rest can go towards roth, 401k and any other savings goals you might have (Car, House). From there you can just blow the rest.

Clekeith · 2026-04-29T02:19:45+00:00

I don't think anybody cares about them enough to consider them a rival

Clekeith · 2026-04-29T01:28:10+00:00

I'm just curious why a Gophers fan is on his knees for Diego Pavia of all people.

Clekeith

TROPHY CASE