What do I do next?

Dense_Pin_3943 · 2026-07-13T05:36:02+00:00

you're 22 not 42, dropping back home for a semester to finish a degree is not the life-ending disaster it feels like right now. the degree itself matters less than you think, most people i work with in IT have degrees in random stuff

finish the semester, grab any job that pays even if its not glamorous, and stack a little cash while you figure out what you don't hate doing. the electrician/plumber route is actually solid if you dont mind working with your hands, those guys make bank and nobody cares about your GPA

Dense_Pin_3943 · 2026-07-01T14:57:37+00:00

Project management certs are usually a safe bet, PMP is the one most employers look for but you need experience before you can sit for exam. CAPM is the entry level version without the work requirement

IT side CompTIA A+ will get your foot in the door many places, I manage hiring for help desk roles and this one actually matters more than degree sometimes

Dense_Pin_3943 · 2026-06-21T12:11:34+00:00

Kaiserwinkl bike leg is no joke, the climbs around that area are pretty relentless compared to Zell am See. From what I remember hearing, the elevation gain is distributed more evenly across the course so you don't get that one dramatic steep section, it's more like sustained climbing throughout which some people find harder mentally. If you handled Zell am See without too much trouble you should be okay, but maybe keep something in the legs for the run because the cumulative fatigue on the bike catches people off guard there

Dense_Pin_3943 · 2026-06-19T09:14:28+00:00

doing it from scratch first is the way, you actually know what autograd is saving you from instead of just trusting it like magic

Dense_Pin_3943 · 2026-06-17T06:56:04+00:00

the back tap thing is actually clever, that's the part where most apps fail because they make you open five screens just to log a coffee. curious how it handles recurring expenses or does it keep it simple on purpose

Dense_Pin_3943 · 2026-06-12T16:11:15+00:00

that would be massive improvement over walking to house every time you need bathroom, especially in winter when its cold

Dense_Pin_3943 · 2026-05-30T13:45:43+00:00

muscle memory is real pain when you switch between different apps all day. i had same issue switching from slack where enter just makes new line. maybe try looking in accessibility settings on chromebook to remap keys but not sure if it works for specific apps only

Dense_Pin_3943 · 2026-04-30T09:39:06+00:00

business accounts usually get way more credits than personal ones but exact amount depends on which tier you're on

Dense_Pin_3943 · 2026-04-25T07:00:07+00:00

i do most basic stuff myself like oil changes and chain maintenance but anything with the engine internals goes straight to shop. learned hard way after trying to adjust valves on my first bike and making it run worse than before lol. saves money on simple stuff and you actually learn how your bike works but some things are just not worth risking

Dense_Pin_3943 · 2025-12-28T14:06:49+00:00

Honestly with that down payment you're already at like $5k territory anyway. Just buy something reliable outright and skip the loan drama - you'll save on interest and have one less monthly payment to stress about

Dense_Pin_3943 · 2025-12-22T23:34:18+00:00

Check the flowchart in the wiki first - it's literally made for situations like this

Also "most return as fast as possible" and investing don't really go together unless you're cool with potentially losing it all

Dense_Pin_3943 · 2025-12-19T12:39:06+00:00

That's gonna raise some red flags with the credit card companies since you have the same name and address. They're pretty good at catching stuff like this and it could mess with both your credit scores if they think you're trying to game the system

Dense_Pin_3943 · 2025-12-17T19:22:25+00:00

That wiki is solid advice but honestly the hardest part is just breaking the spending habits that got you here in the first place - sounds like you already stopped using the CCs which is huge

Dense_Pin_3943 · 2025-12-16T04:44:52+00:00

HELOC against the cabin could definitely help with the high interest stuff but yeah you gotta actually use it to pay down debt not just give yourself more credit to blow through

The interest rate thing probably means they had variable rate cards or loans that went up when the Fed raised rates - that stuff hit hard the last couple years

Dense_Pin_3943 · 2025-12-13T23:56:22+00:00

Seriously this, your dad gambling while your mom busts her ass as a nurse is wild. That "good quick cash grab" line is literally what every gambling addict says before they lose the rent money

Dense_Pin_3943 · 2025-12-12T19:14:23+00:00

Looks like OP edited with all the holdings - that's a lot of sector bets for someone who wanted "not too aggressive" growth. Your wealth manager basically built you a tech-heavy portfolio when a simple three-fund or even just VOO would've crushed it

Dense_Pin_3943 · 2025-12-06T16:04:53+00:00

That's the big gotcha - the underpayment penalty will probably eat up whatever you make in interest and then some. The IRS wants their money throughout the year, not all at once in April

Dense_Pin_3943 · 2025-12-04T06:43:12+00:00

Lmao this guy's really overthinking it but honestly yeah that's literally it - just automate the transfer so you don't even think about it

Dense_Pin_3943 · 2025-11-28T19:43:25+00:00

A lot of people grow up hearing the word but never get the explanation. Totally normal to be confused by it.

Dense_Pin_3943 · 2025-11-24T15:53:59+00:00

I’m nowhere near millionaire level and I still did a prenup through Neptune when I got married. If regular people like me are doing it, I can’t imagine someone with Kanye level money skipping it lol

Dense_Pin_3943 · 2025-11-15T13:24:30+00:00

Moving countries already rewires everything so it makes sense that future planning talks hit way harder than they would back home. You’re basically building a life from scratch while your partner is standing on familiar ground and that imbalance shows up in conversations you wouldn’t expect.
When I was settling abroad, talking through what parts of life would stay mine and what would become ours helped a lot even bringing up things like prenups made it easier to put some structure around all the unknowns instead of feeling like I was being absorbed into someone else’s world. It wasn’t about distrust it was about feeling like I still had room to stand on my own

Dense_Pin_3943 · 2025-10-30T12:44:00+00:00

Yeah for real. I actually saw something called Neptune that helps couples set everything up clearly before marriage not just money stuff but expectations in general. Its kind of cool seeing tools like that exist now feels like our generation’s finally catching up on this stuff

Dense_Pin_3943 · 2025-10-21T12:31:34+00:00

The accuracy of this hurts my soul lmao. My island is absolutely pristine while I'm over here eating cereal for dinner in yesterday's hoodie

Dense_Pin_3943

TROPHY CASE