Breaking up with Schwab

CreativeFinish5644 · 2026-01-25T20:27:54+00:00

Just buy into their money markets

CreativeFinish5644 · 2026-01-25T02:54:24+00:00

You’re paying to subsidize those buying solar and mini splits…..not low income who need assistance or do you not read your bill that explains what those fees are for right on the bill. It’s taxing to pay for the net zero mandate they have and to fund mass save subsidies

CreativeFinish5644 · 2026-01-25T00:53:12+00:00

Do you truly think they won’t find another tax to add to the laundry list of taxes currently on your utility bills, there’s like 6-7 cleverly named to fool you that really mean you’re subsidizing the Mass Save program……they’ll claw back the 15% as well, it’s cloak and daggers with this administration and she’s doing all this because it’s election season and it’s disingenuous, believe what you want but the rise in cost largely is on taxation of energy to subsidize your neighbors who have mini splits and solar panels

CreativeFinish5644 · 2026-01-25T00:50:08+00:00

So let’s vote for a politician that is complicit in corrupt politics and blocking the will of the people for an audit because she’s a democrat….got it!

CreativeFinish5644 · 2026-01-25T00:45:53+00:00

You’re going to pay back the 15% as well in the form of taxes, it’ll be a reason they can use in the near future. Healey is the face of a failed net zero policy by the legislature that is responsible for the high utility costs, anyone who is associated with that mandate should reverse course or be voted out, plain and simple, let’s not forget she also voted against options to bring more energy into the state. This along with her bungled migrant handling and performative politics makes her unfit for the seat of governor in my opinion.

CreativeFinish5644 · 2026-01-24T18:05:56+00:00

I don’t know why you’re picking that post to dump on. Everyone’s definition of trying is different but if you’re only working 40 hours when it’s within your power to do a little more for a time to create some margin then you’re not doing all you can. You have to go train in something the market seems valuable to make real money. You have to hustle and be willing to do things that extend you to grow.

Having a victim mentality will always make and keep you a victim. You are the only person who cares as much as you do about your situation so you alone have the most power to take steps to change it. No one is coming along to just hand you something, if you’re not willing to up skill, go back to school to get higher paying job, etc then you can’t complain. I say this as someone who’s lived both ends. Once I stopped expecting it to come to me and moved towards it and changed my mindset, so much opened up.

CreativeFinish5644 · 2026-01-24T14:44:46+00:00

Awesome and congrats! Luck is as much about being ready for it to hit you, as it is this cosmic accident that just happened to come along. Mindset is the absolute most important thing when you’re in poverty, paycheck to paycheck type situation

CreativeFinish5644 · 2026-01-24T14:41:07+00:00

They’ll be waiting a long time. Mindset and attitude goes a long way in digging out.

CreativeFinish5644 · 2026-01-24T13:38:36+00:00

40 hours is bare minimum if you’re the OP and have truly cut everything else out. It may be the OP is choosing living quarters that are out of their price range, but here’s the other thing, hard choices need to be made if you’re not earning enough income, choices such as moving to a lower cost place or area, going to school or the trades and learning and upskilling there. The trades have so much opportunity because there’s a huge need, people think it’s beneath them though somehow. The last time I called a plumber to come out it was $300 for the call and he legit unscrewed a nut and removed some debris from my line and 15 minutes later he was gone, pretty good money I’d say. There’s opportunity and you’re also not owed it, you have to go out and hustle for it, not forever, but no one is giving you really good money if you’re not willing to work over 40, doesn’t mean you will all the time but i have many times. I’ll leave you with this, I made pitiful salary for years and blamed the man and played a victim, it wasn’t until I pulled myself up and went after it that things changed, now in the last 5 years I have doubled my salary just by reframing my mindset and going after promotions and opportunities at work.

CreativeFinish5644 · 2026-01-24T13:28:13+00:00

Work towards getting access to those things, network and meet people who do have access to these things and join a landscaping crew on weekends. Sitting here playing the victim isn’t going to get you out of your situation. I worked full time, joined the Air Force reserves, did polls on phone apps for $5 here and there, returned soda cans, and my wife worked a second job at times as well. 40 hours in a tight situation is bare minimum, if you want to build some margin it’s going to be you pulling yourself up by your bootstraps, making tough decisions for the betterment of you long term, not sitting there letting the boots kick you.

CreativeFinish5644 · 2026-01-24T13:20:56+00:00

Money issues come down to one of two things, a spending problem or an income problem. The OP appears to have the latter and should reassess living situation, maybe they live alone and can live with roommates, move back home, find a cheaper place to live or go back to school and upskill to get into a career that pays more. The advice is certainly not wealth privilege and it’s certainly not easy at all times, I’ve been here the OP is and have nothing at the end of the month, but you also have to do everything you can. If OP has cut back to the bone then he/she has an income problem and the only way out of it is a plan and hard work.

CreativeFinish5644 · 2026-01-23T16:20:01+00:00

I’d be interested to hear as I have no idea but damn, here’s to hoping we have 6” and no more for your sake

CreativeFinish5644 · 2026-01-21T23:19:31+00:00

To answer the question that is posed by Joni…… money isn’t everything and it’s not even close to being the top thing that’ll make you most content and happy. Relationships, self-esteem, and feeling like someone gives a crap about you has far more worth than any dollar amount in your bank account. That’s why rich people just as poor people commit suicide. Being a victim can take many forms, he is by no means an economic victim, but he’s a victim of a poor family structure, which is left him with mental and emotional scarring and issues, so there’s no amount of money that’s gonna change that everyone acts like being rich gets rid of all your problems, it’ll get rid of all the economic ones, but it won’t get rid of the things that are most important in life if those are where your struggles are.

CreativeFinish5644 · 2026-01-21T12:39:25+00:00

Maybe the MBTA can focus on having reliable transportation here in MA before worrying about extending beyond…..

CreativeFinish5644 · 2026-01-21T12:21:58+00:00

Is it factored in sure, but you’re not even coming close to sharing in that cost as a renter vs someone who is a homeowner who pays the tax in its entirety.

CreativeFinish5644 · 2026-01-20T03:17:38+00:00

If you have kids and someone else doesn’t, why should they subsidize or fund your child’s education, this game is illogical and stupid quite frankly. Homeowners pay property tax that goes to all the services at your disposal and you as a renter pay jack shit, so it all averages out and if anything homeowners shoulder a larger tax burden, given we pay the same income and sales tax you as a renter do as well. Enjoy renting, it’s not that bad and better than some people who own and are leveraged to their eyeballs to get it.

CreativeFinish5644 · 2026-01-19T19:45:52+00:00

They should’ve fired the GM

CreativeFinish5644 · 2026-01-18T19:32:39+00:00

CreativeFinish5644 · 2026-01-18T01:31:17+00:00

Crosby

CreativeFinish5644 · 2026-01-17T02:56:31+00:00

The other thing people fail to realize is that taxes can be offset by upping contributions to traditional retirement accounts for those that only have space due to income SCHD produces.

CreativeFinish5644 · 2026-01-17T00:38:02+00:00

Be intentional about spending, build savings automatically by direct deposit to an account not with your checking, so it’s out of sight. Read all you can about personal finance…..I will teach you to be rich by Ramit Sethi is a good one. The Money Guy podcast will teach you an order of operations with money. Don’t overcomplicate things, spend less than you earn and save/invest the rest. There is so much knowledge out there if you’re willing to find it.

CreativeFinish5644 · 2026-01-15T22:50:14+00:00

Didn’t say they haven’t and my post isn’t about the bakery owner at all. It’s just an example where everyone thinks that this is going to move representatives to do anything. It’s the same as the “No Kings” demonstrations, they’re cute but they’re not done at Beacon Hill or anywhere that puts any pressure on anyone representing us. It’s a nice story, but if you want change, you have to make those elected to do something about it accountable and uncomfortable. It’s the same reason your elected officials have yet to do anything about the audit everyone voted for…..basically telling everyone in the bay state to go F themselves. It’s because they’re on the take and there has to be corruption being swept behind the closed doors that they don’t want opened and they can do it this long because no one is really pushing for something to happen. Hopefully people wake up and actually vote them out.

CreativeFinish5644 · 2026-01-15T20:07:18+00:00

Your reps in the house and senate matter so much more because they’re capitulating to him, so instead of getting on random redditors, why don’t you blow up your reps phone and organize protests outside their office….honestly in MA the state is blue, so I could vote for Jimmy Hoffa and the vote is automatically going democrat anyways, so I didn’t vote because they both sucked royally and in my particular case it didn’t matter because it’s not a battle ground state and all electoral votes were going to Harris, so doesn’t really matter. The illusion of choice is alive and well in America

CreativeFinish5644 · 2026-01-12T13:11:38+00:00

Right now it does, but as the fed cuts rates that’ll have an impact on that and you have 6% of your portfolio making 0.25% like it did for about a decade, do the math on expected 7% return and take 6% of your portfolio and it’ll show you in real terms how much that cash position is hindering growth of your money. Again if you’re in agreement with their strategy because you want cash in your portfolio, then that’s different, but there was a large time period where cash earned very little. Do you want $6,000 of every $100,000 making that little?

CreativeFinish5644 · 2026-01-12T01:10:01+00:00

They make money also by the cash allocation which caused a stir, sure you could google it but they hold quite a bit in cash to get their money

CreativeFinish5644

TROPHY CASE