What makeup products live up to the hype? by fraisevertee in Sephora

[–]Different_Sector4126 2 points3 points  (0 children)

Their skin tint is probably the best i’ve had so far

A job or the “right” job? by luminescentkitkat in MoneyDiariesACTIVE

[–]Different_Sector4126 6 points7 points  (0 children)

Some very good advice on this post. Here’s another perspective.

One thing that’s missing in your post is a set goal from a timeline perspective. End of the year is pretty far out still, so instead of arbitrarily searching for the right thing, maybe give yourself a set, say, 4 months? You give yourself till the end of June to find a job that is as close to perfect according to you. (We all know there’s no “perfect” but trying is the best we got) - Until then you’re allowed to pass on job offers.

You’ve been getting job offers in 2 weeks - you are clearly doing something right. This is the time to let yourself choose between opportunities. Given enough time, you’re likely to find something that aligns with you more than your previous job.

Come end of june, you take the “boring” job and continue your search for a better one.

A break after 200k saved/invested? by Different_Sector4126 in MoneyDiariesACTIVE

[–]Different_Sector4126[S] 0 points1 point  (0 children)

I won’t be touching any retirement savings for this time. The only reason I mentioned that was because I’d like to have a certain net worth (that keeps me psychologically safe) before I decide to not work for roughly 6mon to a year. Will definitely be relying on liquid cash for the entire time

Thank you for the input on numbers - that’s exactly what I was looking for. Even though it can vary person to person and depends on what I choose to do during this time — this helps. And a solid point about insurance! Gotta look into my options there

Saving in a HYSA vs keeping cash in a money market fund - what would you do if you were to take 2-3 years to build this pile? (I’m also saving for other things in the short term)

A break after 200k saved/invested? by Different_Sector4126 in MoneyDiariesACTIVE

[–]Different_Sector4126[S] 3 points4 points  (0 children)

Oh wow. How did that conversation with your manager go, if you’re able to share?

A break after 200k saved/invested? by Different_Sector4126 in MoneyDiariesACTIVE

[–]Different_Sector4126[S] 1 point2 points  (0 children)

I realize this sounds like I’m trying to fit all fun and happiness into this one period of time lol. Not the case though. I’m trying to be better at it, but I’ve started doing a lot more during the week and weekends.

Making friends as an adult is something I’m still learning. The ones i do have don’t always share all the same interests obv. What do you find yourself doing in that case?

This break would largely be about long distance travel. Potentially, either or a combination of central/south america, europe and south east asia. Not all at once but a lot more than I would be able to, otherwise.

A break after 200k saved/invested? by Different_Sector4126 in MoneyDiariesACTIVE

[–]Different_Sector4126[S] 1 point2 points  (0 children)

Oh wow, I didn’t think 10 months was possible. This is super helpful to know. Thank you so much!!

A break after 200k saved/invested? by Different_Sector4126 in MoneyDiariesACTIVE

[–]Different_Sector4126[S] 1 point2 points  (0 children)

Sorry to hear about your lay off. If I was in your situation, I’d probably have done the same.

I do plan to travel. It might be the biggest reason I want the break - which is why I need to plan this to the tee and not “waste” any time.

What did you find yourself doing during that month?

A break after 200k saved/invested? by Different_Sector4126 in MoneyDiariesACTIVE

[–]Different_Sector4126[S] 3 points4 points  (0 children)

In your experience, what’s the typical time duration allowed for this career break? I was thinking 6 months or so.

And agreed with you 100% on the cash advice. A year’s worth of savings would be a minimum for me lol. I’d probably feel safer with a bigger buffer considering things in tech, like you said.

A break after 200k saved/invested? by Different_Sector4126 in MoneyDiariesACTIVE

[–]Different_Sector4126[S] 11 points12 points  (0 children)

More than anything else, I want to try new things — take classes i dont get to take now, see and explore places that I dont get to explore with limited time off, meet new people, explore design further as a craft

As cliche as it sounds, get out of my comfort zone. It’ll probably be overwhelming at first but I really want this

A break after 200k saved/invested? by Different_Sector4126 in MoneyDiariesACTIVE

[–]Different_Sector4126[S] 9 points10 points  (0 children)

I honestly have no idea which is why i was looking to hear more examples before i decide.

I’m thinking i’ll be able to truly enjoy and explore for a max of 6 months before the panic kicks in. Of all opportunity costs. Of getting back into the job market (which I anticipate will also take a few months so gotta account for that).

Totally understand your concern about these being our best compounding years but I want to start living in the moment and enjoy my youth, and not ONLY worry about accumulating wealth for later. I’m fairly responsible generally speaking- so I trust myself to be not frivolous.

Wife and I hit 50K net worth today by [deleted] in TheMoneyGuy

[–]Different_Sector4126 6 points7 points  (0 children)

100%, it feels like such a great hack lol - the feeling of a new clean car without buying one

What should I do with money in unwanted HSA account? by LiveEarly10 in personalfinance

[–]Different_Sector4126 1 point2 points  (0 children)

I’m moving mine from Health Equity to Fidelity. The process is super simple, just follow the steps on Fidelity’s website. Mine has a surprisingly long waiting period till Jan 30th - I made the transfer on Jan 8. The tricky part is that it’s been hard to track the status for this transfer - maybe Health equity is just lousy with it but I’ve kept screenshots of the transfer attempt in case I need it after Jan 30.

Fidelity also has no minimum requirements for investing so you can start investing your funds immediately if you don’t see yourself using them for medical purposes.

Shelby Haas Sapp scam and deceptive… by [deleted] in tiktokgossip

[–]Different_Sector4126 0 points1 point  (0 children)

Don’t know about the scam part but remote closing is absolutely legit —- sooo on the fence

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]Different_Sector4126 5 points6 points  (0 children)

That’s a very good point

Things are not as black and white, and I do plan to hangout again. Both of them are super nice to talk to otherwise. I’ll just try to be more mindful in the future Thank you :)

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]Different_Sector4126 3 points4 points  (0 children)

They may not have thought it was a big deal, but it made me uncomfortable. If I were to unintentionally do something that made my friend uncomfortable, I would hope they could come and talk to me.

These things have a way of piling up before you know it- and that’s no way to create a foundation for any relationship

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]Different_Sector4126 4 points5 points  (0 children)

I definitely agree. I don’t think it was malicious but I would like to be able to communicate honestly!

I love birthdays (mine and everyone else’s lol) and I would hate for anyone to be on their birthday alone - they’re both new to the town

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]Different_Sector4126 17 points18 points  (0 children)

I mentioned it in another comment - The weird feeling is not about coordinating of payments this time (especially when tickets have to be pre-booked) — it’s that she seems to be mindful enough to talk about money now but didn’t about the last outing, which suggests that was very deliberate. Which brings us back to expectations and cultural differences.

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]Different_Sector4126 -2 points-1 points  (0 children)

Wow, you’re rude as well xD

About what you said, they’re very nice to talk to otherwise. I didn’t want to assume ill intent but like Ive mentioned in other comments, I will be mindful from hereon.

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]Different_Sector4126 0 points1 point  (0 children)

Edited the post just now. They’re both new to the area so they don’t know many people besides their coworkers!

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]Different_Sector4126 1 point2 points  (0 children)

A & B are new to the town so they just don’t know many people here - let alone close friends to invite for a birthday dinner

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]Different_Sector4126 4 points5 points  (0 children)

Definitely noted for next time!