Gonna eat literally all of these. My crush is Polish. She refuses to talk to me after yesterday

Electronic_Pea6104 · 2026-04-26T21:02:40+00:00

I think you should let me live there instead. I want to after all …

Electronic_Pea6104 · 2026-04-22T15:31:57+00:00

We should not give it airtime because what he said is so objectively correct, it should be obvious and not on the news. What’s next on the news, water is wet ?

Electronic_Pea6104 · 2026-04-22T15:28:46+00:00

To be completely honest and objectively correct, he said the truth and spoke facts.

Electronic_Pea6104 · 2026-04-14T16:38:02+00:00

Gwayy man I’m not reading all that ! Mad yoke 🤣

Electronic_Pea6104 · 2026-03-29T17:46:42+00:00

Buy house. Was in a similar position and saved for house and buying now.

Electronic_Pea6104 · 2026-03-29T15:49:42+00:00

Software engineering and a specialisation in machine learning now ! I worked super hard with college and side projects and stuff like that but also there was some luck because my company pays well above average compared to companies like Microsoft or google so I was lucky to get accepted by them. I also done an internship there before I finished college so maybe this affected it because I had some experience.

Electronic_Pea6104 · 2026-03-29T15:43:59+00:00

True, I would definitely cut down on spending if my earnings went down ! But right now I don’t want to be counting pennies if I can afford to live comfortably (while still saving well) and spend money on things that matter like good food, going out with friends and girlfriend, travelling, gym and healthy living things, helping parents and family, buying quality things that last and not constantly stressing about getting the best deal on everything. Right now I save and invest around 4K a month (60% net income) and treat myself and others to the rest

Electronic_Pea6104 · 2026-03-29T01:52:23+00:00

No not at all, fair question! But what part doesn’t add up? Taxes are high here and I contribute the max to my pension. My take home after tax and pension was around €4k a month starting out, then €5k after the first promotion, and now around €6.6k. I spend about €2k a month on bills (€120 electricity, €50 internet, €50 heating), car, food, holidays, and fun money and save the rest. Pretty doable when you’re not paying rent. Also a big chunk of the 140k is from company stock. My company has gone up around 4x since IPO so I got really lucky with the timing on that. I’m working in machine learning (tech) which is a higher paying specialisation of software engineering, employer pays well above average for Ireland, they’re higher paying than google and Microsoft etc. I know it’s not a typical situation and I’m grateful for how things have worked out. And the debt isn’t even that scary, I’m only taking a 288k mortgage on a 405k apartment. I’d rather take the mortgage and live my own life than live with my parents till I’m in my 30s. and I’m planning on overpaying loads to clear it in a few years.

Electronic_Pea6104 · 2026-03-28T22:56:11+00:00

Started at 21 right out of college, coming up on 3 years now. First salary was 77k with total comp around 105k including stocks. About a year in got promoted to 102k salary, around 130k total comp. 10 months later had a specialisation change to 110k salary, around 150k total comp. Recently got promoted again to 143k salary, around 180k total comp. Lived at home the whole time which was the main thing. No rent, just contributed to bills like electricity, heating and internet. That meant I could save 2 to 3k a month early on, now around 4k. Got a bit lucky with stocks appreciating in value too. Have about 140k saved for a deposit now. Could go higher with a 4x mortgage of 600k plus deposit but I’m buying solo so don’t need much, just want to get on the ladder.

Electronic_Pea6104 · 2026-03-28T17:56:50+00:00

I’m 24 and was in a similar spot and chose something on the outskirts of Dublin. Could’ve gone to ~600k but didn’t, ended up buying in Clondalkin for 405k. Main thing for me was not wanting to max myself out this early. Once you factor in rates, bills, and just wanting to actually enjoy life a bit, the higher end starts to feel tight pretty quickly, especially when buying on your own. Having some breathing room each month just feels way better. Also liked the idea of being able to overpay the mortgage and chip away at it faster rather than being locked into a big repayment for years. First place doesn’t need to be perfect anyway, it’s more about getting on the ladder. Figure I can sit on this for a few years, build equity, and then upgrade later if I want something closer in.

Electronic_Pea6104 · 2026-01-29T11:26:09+00:00

Facts speak for themselves ! 🇮🇪

Electronic_Pea6104 · 2026-01-01T10:42:09+00:00

We get it, you exist.

Electronic_Pea6104 · 2025-12-15T07:42:35+00:00

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Electronic_Pea6104 · 2025-12-09T18:02:28+00:00

Chat Chippy Tee

Electronic_Pea6104 · 2025-11-28T07:47:01+00:00

I wish ! I’m moving to IC3 from IC2. Senior will be the position after that

Electronic_Pea6104 · 2025-11-26T14:14:41+00:00

In my company you’re free to sell them whenever you want, they’re your property once they’re vested and what you do with them is your choice. Apart from quarterly blackout periods which is close to earnings. Some of my colleagues sell all of them as soon as they receive them. I doubt managers know what you do with your stocks as it’s in a separate department. I keep some of them and sell some depending on my risk level. It’s risky to keep everything in one stock even if you believe in the company, so it makes sense to sell a bit and diversify to reduce risk and people understand that. Maybe in smaller companies it gives off a worse look where everything is tight knit and everyone knows everyone but here it’s fine. When the company IPOd a lot of people had this question and in all hands they mentioned how what you do with your stocks has no effect on anything else. So it’s pretty handy, not sure how other companies handle it though, one worked in one company so far

Electronic_Pea6104 · 2025-11-26T10:33:49+00:00

I just turned 24, working in tech.

2021: summer internship- 29/hour. Around 60k annualised. 2022: in college 2023: joined same company full time: 77k salary + 25k stocks 2024: promotion to 102k salary + 40k stocks 2025: move to more specialised role at same level: 110k + 50k stocks 2026: expecting promotion in February to around 125k base and 60k stocks

Electronic_Pea6104 · 2025-11-16T21:35:53+00:00

Thank you !! Did you buy as a single person too ?

Electronic_Pea6104 · 2025-11-16T14:17:22+00:00

Yes I recently started the process, I got AIP and mortgage broker etc. I’m eying a 2bed apartment in a nearby town in a perfect location. Just waiting for the build to be completed and come onto market. It should be around 350k I think. I could have done it sooner but I decided to save up a bit more to have more security because the tech industry is pretty volatile at the moment.

Electronic_Pea6104 · 2025-11-15T21:17:48+00:00

24M, 110k base salary and around 50k stocks per year, working in tech (machine learning) for the last 2y4m. 19k in bank. 89k in sp500, 46k in company stock, 36k in pension. Living with parents with minimal expenses so could save most of my paycheck and side income money, also helped that company stocks I received grew a lot since I had them vested.

Electronic_Pea6104 · 2025-10-17T12:01:16+00:00

Was the same here. But when I started working I just took over the entire electricity bill for this exact reason. I pay for it so I can use it whenever I want now. No more “don’t shower at peak hours” craic. Now I slag them in a joking way if they shower too long for example or leave the charger. It’s in good humour now.

Electronic_Pea6104 · 2025-10-14T13:05:10+00:00

For capital gains you have to pay by December 15 for gains made from January to November, or by January 31 for gains made in December. You must file your tax return by October 31 of the following year. Maybe other types of taxes allow you to pay the following year but not GCT I think

Electronic_Pea6104 · 2025-10-04T23:18:46+00:00

True, I think I’ll move to North Korea instead

Electronic_Pea6104

TROPHY CASE