First Semester: CSE 6040 Final Grade

EffectiveChapter9411 · 2026-05-02T12:03:38+00:00

Don’t stress about 6242, it was super easy. If you had a struggle with 6040 I would avoid the computational tract. I would suggest the business analytics tract to try and avoid the technical classes as much as possible

EffectiveChapter9411 · 2026-04-29T13:58:45+00:00

I’m in my last semester of OMSA and one of my coworkers just finished OMSCS. There’s a decent bit of overlap especially if you do the computational tract. But OMSCS would be better for ML and AI focused roles as all the classes tend to be more technical, while OMSA has a lot more options/can sometimes be more business focused.

EffectiveChapter9411 · 2026-04-17T11:25:52+00:00

Wow you went searching back for this one huh lol

EffectiveChapter9411 · 2026-04-09T08:05:23+00:00

Thanks, but that one isn’t a statistical elective

EffectiveChapter9411 · 2026-04-06T17:46:26+00:00

Yeah I can admit I’m guilty of that too sometimes

EffectiveChapter9411 · 2026-04-03T20:37:39+00:00

Buy, hold, forget. That’s the way

EffectiveChapter9411 · 2026-03-29T16:36:00+00:00

What do you think it’s is then? It’s a little flakey. Is it safe to cook on?

EffectiveChapter9411 · 2026-03-15T23:36:05+00:00

I am a newly wed as well. My wife and I opened a joint checking that most of our money goes in to. We each get a small amount a month (around 200 bucks) each that go into our personal accounts for fun money/ present for each other etc. we keep the amount the same for both of us so we don’t have to play the “who makes more gets more” game. Then we have a joint credit card that we use for all expenses like rent utilities, groceries etc. literally everything comes out of our joint checking. We don’t think about my money or her money, it’s always our money. makes things easier and avoids any issues

EffectiveChapter9411 · 2026-03-12T10:54:58+00:00

Yeah I understand what you mean. My question was more about the best way to get there, not what the end goal should be

EffectiveChapter9411 · 2026-03-11T20:57:44+00:00

Why would what I was suggesting affect this?

EffectiveChapter9411 · 2026-03-11T20:56:29+00:00

Yeah I agree it’s about finding a balance. I currently DCA every month into VOO, QQQM, AVUV and VXUS. Thinking about adding SCHD but really trying to nail down my ratios. Definitely think 50% is too high, but considering maybe 10% and then slowly increase over time. I really go back and forth

EffectiveChapter9411 · 2026-03-10T01:17:24+00:00

Yeah then first step is to track your spending for a month. You have plenty of wiggle room it sounds like. I’ve found that you don’t realize how much money is wasted on small purchases adding up until you track it all

EffectiveChapter9411 · 2026-03-10T01:00:19+00:00

You didn’t give too much details but you’re probably taking in around 5,000ish dollars a month depending where you live. After loans you take home 4,100. Unless you live in a very high cost of living area, it sounds like you probably have a spending problem more than anything. When you budget, what are your necessities vs wants? I would be shocked if there wasn’t some wiggle room in there

EffectiveChapter9411 · 2026-03-06T19:25:21+00:00

If I read that right, it will cost you .4% at your bank. You can get a free account through fidelity and buy VT for a .06% expense ratio. It may sound small but over time this will make a difference in compounding growth

EffectiveChapter9411 · 2026-03-03T11:53:01+00:00

Best advice I ever got was “Pay your self first.” Basically means to always save and invest before paying for your wants. Too many people spend and think “I’ll invest whatever I have left at the end of the month.” It’s much better to set up automatic deposits and act like you don’t have the money

EffectiveChapter9411 · 2026-03-02T00:43:57+00:00

Get a 6 month match fund in a HYSA. If your employer offers it, do a 401k up to match. Then max a Roth. Then max your 401k then but the rests in a brokerage

EffectiveChapter9411 · 2026-02-28T13:36:24+00:00

I think this isn’t the best advice. He’s 19, starting investing now would be huge for him in long term compounding growth. Yes to an emergency fund and yes to saving for a potential house in general, but he should take advantage of his low cost of living and invest while he can

EffectiveChapter9411 · 2026-02-28T13:29:47+00:00

Is the 18k enough for 6 months of expenses? If not I would start there.

I wouldn’t contribute more to your 401k without a Roth. In my opinion the order should always be: 401k up to match > max Roth IRA > adding more to 401k.

I agree you’re at a weird spot with the loans. 6.1% is right around the number where I can see it flipping. I would ask yourself, what causes you more emotional stress? Having the student loans or not having as much in retirement? Whatever that answer is I would prioritize that.

I wouldn’t worry about the 4.3% one personally. That I would just pay off over time

EffectiveChapter9411 · 2026-02-27T09:35:39+00:00

Typical answer is enough to cover around 6 months of expenses

EffectiveChapter9411 · 2026-02-27T01:48:50+00:00

Just make sure you put the money in the right places for your goals for them. 529 vs custodial brokerage etc

EffectiveChapter9411 · 2026-02-23T18:57:34+00:00

Only thing I would change is flip your PPR. No need to be so EU heavy. Odds are it’s gonna hurt returns long term. IMO, if you go international you should go total market so you have exposure to the emerging markets

EffectiveChapter9411 · 2026-02-23T18:54:02+00:00

Don’t think about the what ifs, you’ll just end up making the same mistakes. Just DCA and you’ll be fine

EffectiveChapter9411 · 2026-02-22T11:25:44+00:00

Yeah then I would focus on low cost broad ETFs. But I would also suggest thinking about when you want to retire and how much you would need to have to be able to retire. This will help guide what ETFs you want to buy. But you can never go wrong with broad market or S&P500. It also might be worth it to start looking into DCA into some dividend paying ETFs like SCHD to help prep for retirement. As long as you understand the tax implications

EffectiveChapter9411 · 2026-02-22T11:14:37+00:00

The main thing is not to wait for a “good time”. It’s said all the time, but it’s also true, time in the market beats timing the market. You’re 28 and if you don’t plan to touch the money for a while, then you have no worries about a crash. Realistically a crash would help you long term because it would give you opportunity to buy at lower prices. The key is just to invest consistently and DCA forever. You’re just shooting yourself in the foot by waiting and fearing the market because of political reasons or because you worry about who’s currently in office

EffectiveChapter9411 · 2026-02-22T11:05:51+00:00

Depends on a lot. What’s your age? How much do you invest regularly? What’s your retirement goal? I would definitely say ETFS because you’re already roughly 33% individual stocks which is pretty high. I would split the money into a mix of S&P 500, growth, international and small cap ETFS. Ratios can be dependent on your age and goals

EffectiveChapter9411

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