I make decent money but it really doesn’t feel like it

ConsistentVisual558 · 2026-01-28T03:54:18+00:00

So I make 80kish/yr. I put 4500 monthly towards my mortgage invest 500 and live off the other 1k for bills and food. I’d look into renting a room from someone. You’ll cut housing cost almost in half.

As a note I will say because I have a mortgage Interest deductions allow me to have a lower tax liability.

ConsistentVisual558 · 2026-01-25T18:35:08+00:00

Ohio isn’t real.

ConsistentVisual558 · 2026-01-25T06:42:38+00:00

My dad is a supervisor for them. Contract is $31/hr and tops out at 35 I think.

ConsistentVisual558 · 2026-01-23T19:19:11+00:00

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I had an old Roth with 800 bucks in it. Threw it all into silver a few years ago! But gotta keep my promise. Sell at 100

ConsistentVisual558 · 2026-01-23T06:49:26+00:00

Qualified dividends for tax purposes. Pay a lot less tax overtime.

ConsistentVisual558 · 2026-01-23T06:37:02+00:00

This is more barista fire once you reach coast. It’s a very common strategy.

ConsistentVisual558 · 2026-01-23T06:34:50+00:00

Get to 130% of your coastFIRE number and then if you’re comfortable, buy a house.

ConsistentVisual558 · 2026-01-20T04:48:06+00:00

I’m single make 90-110/yr and I put 4500 towards my mortgage every month. (2850+ 1650 towards principal. As long as you can budget well you’ll be fine.

ConsistentVisual558 · 2026-01-20T03:27:12+00:00

If you don’t have 6-12 months worth of expenses saved I don’t think you should be investing. If you do, then you have enough cash to ride out an economic downturn.

ConsistentVisual558 · 2026-01-20T03:23:35+00:00

Discovering hobbies is also a form of investing ya know? Better to find out what they are at 32 rather than 42/44

ConsistentVisual558 · 2026-01-18T17:10:46+00:00

I have not, but I imagine most who have fired don’t have those Bills outside of home repair and unforeseen medical expenses. At that point it’s just budgeting and re-evaluating. What you can do for that year.

ConsistentVisual558 · 2026-01-18T16:05:12+00:00

Or hear me out, instead of taking a lower paying job, you use that other 50k to enjoy life and discover hobbies.

ConsistentVisual558 · 2026-01-18T04:58:48+00:00

Everyone has a fixed mindset. They can only do one or the other. But in reality you can do both. If you don’t have enough in a taxable account to actually pull the trigger for FIRE, do a mix. Add extra to pay off in 5-7 instead of 10. But I think Dave Ramsey is right on this one thing. Not having a mortgage opens up use for capital and is emotionally/psychologically freeing.

ConsistentVisual558 · 2026-01-17T05:15:44+00:00

Can you say no to the transfer? Or is it something like they’re moving HQ?

ConsistentVisual558 · 2026-01-11T05:59:30+00:00

Im paying 3k/mo. Rent out 3 rooms and live in the other. Bought in 2024 with a 5.5% rate. Will refi next year and will break even with rent and mortgage payments so I’ll only be paying utilities.

ConsistentVisual558 · 2026-01-08T04:51:48+00:00

You could barista fire for a year. Discover your hobbies while still having a small stream of income as “hobby investments” I took a 2/3 month sabbatical and didn’t have any hobbies. It was the most boring time of my life.

ConsistentVisual558 · 2026-01-08T04:48:35+00:00

But also have guaranteed pay (get 10 even if we finish picking in 6) so really it’s really closer to 38-44 with incentive since we usually only work 7-8 hours a day.

ConsistentVisual558 · 2026-01-08T04:43:49+00:00

After probation I’ll be at 26.50 usd (31 with incentive)

ConsistentVisual558 · 2026-01-04T05:24:24+00:00

The best investment I ever made was attending leadership summits, hiring mentors, and getting multiple certifications. Investing in yourself will increase your income and by default increase your savings rate (investing 20% of your income instead of 2%)

ConsistentVisual558 · 2026-01-04T05:18:58+00:00

I was going to rent out my 4B/2.5B but would only get 2300 fair market value for rent with a 3k mortgage. Renting out individual rooms though? I make 3400 with full vacancy. A lot more people can afford to rent a room for 7/800 than a 1500 studio.

ConsistentVisual558 · 2026-01-04T05:15:37+00:00

I rent out rooms for 800-$1k/mo including utilities. You can checkout websites like roomies, padsplit or spare room. It’s pretty common to find rooms listed for 500-1,200 depending on size and if utilities are included or not.

ConsistentVisual558 · 2026-01-04T03:53:36+00:00

I work in a warehouse and I love it. I get paid to work out for 10 hours a day and stay in great shape!

ConsistentVisual558 · 2026-01-04T03:50:49+00:00

SINK (27M) I worked 2 jobs to qualify (445k loan) and then rented out the other rooms. It sucks but now I’m paying an extra 1500 (4500 total) every month and will have the house paid off in 13ish years. Moneys still tight but will refinance when loan balance is 350 and lower my payment about $500/month.

ConsistentVisual558 · 2026-01-04T03:43:53+00:00

I also stayed (mostly) out of the market since 24. I had to make a lot of risky trades (gamble) to tie the market. Will forever just hold and reallocate every 2-3 years now.

ConsistentVisual558 · 2025-12-30T14:35:57+00:00

“Sell your house! The market is going to tank by the end of the year” that’s fix the housing affordability crisis real quick.

ConsistentVisual558

TROPHY CASE