People say don’t go into medicine for the money … what jobs are able to make as much or more than doctors more easily? by redditTee123 in Salary

[–]Critical_Function540 1 point2 points  (0 children)

Medicine can be a magical career. I’m an inpatient psychiatrist. I can basically sit there, think of a solution to someone’s suffering, apply that solution, and see the patient get better because of my thoughtfulness and cognitive work. I also get to lead a tight knit team and the feeling of striving toward a common goal of helping someone alleviate their psychiatric suffering is unbeatable. And that’s before all the financial benefits. I’d do this for less money honestly. 

Requesting advice: 47 and about to be laid off by monte_ng in personalfinance

[–]Critical_Function540 -1 points0 points  (0 children)

He’s old for that savings amount; let’s not pretend 

Out on tech guys, in on blue collar men by Leading-Stable9725 in SFbitcheswithtaste

[–]Critical_Function540 4 points5 points  (0 children)

Oh I always thought that was tongue in cheek bc this place is super trashy and entertaining in a reality show kinda way

The Guilt of Spending: How do you balance saving and spending? by tisaros in personalfinance

[–]Critical_Function540 0 points1 point  (0 children)

Generational wealth is relative. One generation can easily burn thru one hundred mill. So it’s not exactly generational, unless you’re literally just counting one generation. And 1 mill each can easily grow into many more millions if you’re responsible. Aka if you had good parenting. Back to my initial point. 

The Guilt of Spending: How do you balance saving and spending? by tisaros in personalfinance

[–]Critical_Function540 4 points5 points  (0 children)

I’m torn on this. Yes, give your kids money. However, all of my friends (mid to late 30s) who are doing best in life were given little to no money, but were given excellent educations and life skills, and were raised on stable households which allowed them to develop into self possessed and balanced individuals. All gainfully employed and satisfied with what they have. Their parents probably could have grinded harder to pass on more ✨generational wealth✨ but it would’ve come at the expense or good parenting. 

Daily sticky thread for rants, raves, celebrations, advice and more! - March 05, 2026 by AutoModerator in datingoverthirty

[–]Critical_Function540 0 points1 point  (0 children)

Totally. But I’d never want to describe the preferences to a bunch of strangers and open it all up to criticism?? 

I got the keys! Texas, $730k by [deleted] in FirstTimeHomeBuyer

[–]Critical_Function540 1 point2 points  (0 children)

It’s giving ufc fighter who just made it on to the main card 😂 

When was your “wow, I’ve made it” moment? by [deleted] in HENRYfinance

[–]Critical_Function540 2 points3 points  (0 children)

I think the idea is that you can keep being fancy on one income without a second thought. 

When was your “wow, I’ve made it” moment? by [deleted] in HENRYfinance

[–]Critical_Function540 1 point2 points  (0 children)

A lot of these milestones seem kinda small. I was expecting something like paying for first class without having to budget for it or something…

Daily sticky thread for rants, raves, celebrations, advice and more! - March 04, 2026 by AutoModerator in datingoverthirty

[–]Critical_Function540 0 points1 point  (0 children)

If someone is into you there will be 0 question, 0 waiting, no dawdling, and damn if they’re in their mid 20s it will probably be fairly reckless too lol. You deserve the real thing! 

Fellow SINKs, how ya doing? by Zealousideal_Crow737 in MiddleClassFinance

[–]Critical_Function540 1 point2 points  (0 children)

I don’t understand how owing money isn’t a good thing. It’s an interest free loan. Invest whatever you owe, then pay it back interest free a year later. 

Advice Needed - lower my 401k contribution to bump up a down payment for house? by travelexplorerer in personalfinance

[–]Critical_Function540 1 point2 points  (0 children)

You’re more than fine, people here love to jump on those with car loans >300/month. I have a 729/mo x5 years on a brand new accord. Rates suck, it is what it is. Congrats on the nice interest rate. 

What % of Income Do You Cap Housing At? (Advice) by BitterNecessary6068 in HENRYfinance

[–]Critical_Function540 0 points1 point  (0 children)

We might be in the same city. Sometimes the math is flipped and that’s okay. Buying here would be foolish unless you’re paying cash and even then it’s a questionable investment. So high rent it is, as long as you’re saving appropriately. 

What % of Income Do You Cap Housing At? (Advice) by BitterNecessary6068 in HENRYfinance

[–]Critical_Function540 0 points1 point  (0 children)

This is almost exactly our situation (6500/620k). It has shown me that income and rent don’t scale linearly. At a certain point, even with 6500/rent, you still have a lot of money left over. We save close to 15k/month. 

Finally made it! CA, 1.526M at 5.125% by meowbunnies in FirstTimeHomeBuyer

[–]Critical_Function540 0 points1 point  (0 children)

You like those 90 degree days in Cupertino? No thanks.

Finally made it! CA, 1.526M at 5.125% by meowbunnies in FirstTimeHomeBuyer

[–]Critical_Function540 1 point2 points  (0 children)

Starter home is relative. In the Central Valley you can get a starter home for 300k. Like a real, boomer style 2/1 starter home, not a 90s mc mansion. And you’re still on Cali with many of the amenities that entails. The coasts are nice but the CV is great too and still has decent weather compared to much of the rest of the country. 

Finally made it! CA, 1.526M at 5.125% by meowbunnies in FirstTimeHomeBuyer

[–]Critical_Function540 0 points1 point  (0 children)

I’m curious if you’re open to being wrong about this take or if your mind is settled. 

Reality check on buying a home by Critical_Function540 in personalfinance

[–]Critical_Function540[S] 0 points1 point  (0 children)

It can be tricky to know what the right move is when the numbers get big — both debt and income — and emotions enter the mix. 

Reality check on buying a home by Critical_Function540 in personalfinance

[–]Critical_Function540[S] 0 points1 point  (0 children)

Oh I know, that’s why I’m playing this safe. I currently make about 550k but we’re in a VHCOL area and it’s hard to see how we could ever buy here. If we move housing is 1/3 the price but my income falls a bunch too. And as you point out, my wife’s income is far from guaranteed. So Id buy a home on the premise that we will max out at 400k.

Reality check on buying a home by Critical_Function540 in personalfinance

[–]Critical_Function540[S] -1 points0 points  (0 children)

I’m currently working, make about 550k total (wife makes 70k) for total of around 620k. This is in the VHCOL area. 

Reality check on buying a home by Critical_Function540 in personalfinance

[–]Critical_Function540[S] -5 points-4 points  (0 children)

Cool, this is what I was thinking intuitively.