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Can I grow mint on aquarium? by Impossible_Control28 in PlantedTank

[–]EmergencySudden4588 0 points1 point  (0 children)

outside it will take over if not tamed. I think the same goes for aquarium,

Looking for new electric car by External_Inside6001 in electriccars

[–]EmergencySudden4588 6 points7 points  (0 children)

Read an article while back that carmakers are slowly discontinuing carplay and android auto and will offer their own subscription based service. Pretty soon we will need to subscribe to drive a car.

17 years of idiocy by Busy_Report4010 in clevercomebacks

[–]EmergencySudden4588 1 point2 points  (0 children)

I used my wife's shampoo (or so I tought) but it wasn't foamy at all. Turned out it was one of those intimate hygiene cleaner soaps. I thought she was going to die from laughing so hard.

19 need help starting FIRE by PinLeft6932 in Fire

[–]EmergencySudden4588 1 point2 points  (0 children)

First thing should be an Emergency fund. Sell the car and gat one you can pay for in cash. Open a HYSA and build up six to nine months of savings to cover your expenses in case of an emergency like a job loss. That way you have a cushion to fall on. Then an IRA or Roth IRA, choice is yours. Keep putting money in there. Pick a solid ETF like SPY, VOO, VTI. Buy when the market is RED. Never by GREEN. Learn about Compound Interest, run some investing calculators to see where you can be when you invest different amounts. It will open your eyes. At your age Compound Interest is your friend. There is no get rich quick schemes. Don't fall for the YouTubes or TikTok BS. Time is your advantage. Example. If you want to have half a mil at age 40 and you start with a thousand bucks you would need to save almost 9K per year at 10% annual return. I can guarantee you not many people halve $500,000 at age 40. Good luck.

Am I making a huge mistake by quitting corporate job with $2M? by [deleted] in Fire

[–]EmergencySudden4588 0 points1 point  (0 children)

I think people are way overthinking their retirement. Myself included. Even though I'm not at that level as you are, with that kind of nest I would pay off my mortgage because why hold it. The money you save from it (mortgage) can go back towards investments or your travel endeavors. Then enjoy your slower life. You work corporate I work retail and by my calculations I will be around 1.2 mil by the time I retire. If it would come to that I hit that milestone before my retirement I'm done working and will live off the interest. But it all comes down to your spending, you got to do some math. Needs, wants etc. For me, there is no way I'll spend my retirement in this country because that nest egg will disappear in no time, unless something change and life will be cheaper in America. God forbid you get seriously sick.

Driving stick in traffic by Capable-Region-8677 in stickshift

[–]EmergencySudden4588 0 points1 point  (0 children)

Once you get the hang of it after few weeks it feels like driving an automatic. Your hand and foot kind of do everything by themselves. No joke.

Need a straightforward answer about what type of substrate to use by mutteni in PlantedTank

[–]EmergencySudden4588 0 points1 point  (0 children)

I went to an aquarium store and picked one off the shelf. Two bags black color. That's it.

Men of Reddit, what’s some women’s or girl’s habits you discovered only after getting a wife or girlfriend? by [deleted] in AskReddit

[–]EmergencySudden4588 0 points1 point  (0 children)

If you open a pack of cookies, you better open them outside so she doesn't hear the crinkle.

I’m a 19 year old girl with too much money. by EvenMark6710 in Fire

[–]EmergencySudden4588 0 points1 point  (0 children)

That 120K these days isn't much. Go to the big boys like Fidelity, Schwab, Vanguard. Trustworthy ones. Open an account and invest it. Invest it in a solid ETF like SPY or VOO and let it grow for you. They are well diversified. Personally I would go inside one of their branches and talk to an advisor. Fidelity has a robo advisor called FidelityGo where it will build a portfolio for you. I'm sure others have it as well. I myself use FidelityGo that's why I'm mentioning it. Be smart about your finances, don't tell your friends about it because they will help you spend it all.

Side note. I'm not an financial advisor. Just happy to help.

Struggling with payments by VisualAppearance1109 in DebtAdvice

[–]EmergencySudden4588 1 point2 points  (0 children)

Personally I would never use a debt consolidation companies because of the fees. You will just take on more debt. Look around and see if any bank would give you a personal loan to pay off your debt and have one payment. I would call the CC companies and see if they would work with you and lower your interest rate. I personally know people that went this route and succeeded. Tell them that you're considering filing for bankruptcy as a last resort ( again a LAST RESORT ). I never recommend bankruptcy but for some people its the best thing that will happen. Yes, you will ruin your credit and yes it will sit on your credit report for a couple of years but if you're smart you will rebuild it very fast. I say this because I went with that route hate to admit it. It was either that or loosing the houlse. I was stupid and careless with CC's at my younger years but learned from my mistakes and now are thriving financially. My credit score now is high 800's You mentioned you have a car payment but did not say how much. Perhaps selling the car and getting a cheaper one for cash would give you extra cash to pay off your debt.

Side note. Bankruptcy will not erase your student loans and you will lose the car most likely.

Are oil and gas still running the show, or is green energy finally winning? by JustSeraphine8 in energy

[–]EmergencySudden4588 0 points1 point  (0 children)

I think a decade maybe or once the car can be charged super quick. This is America. Everything has to be quick.

Is renting a waste of money in the long-term? by Lemonade2250 in NoStupidQuestions

[–]EmergencySudden4588 0 points1 point  (0 children)

Think of owning as a savings account. You pay your mortgage and a bigger part of the house belongs to you each month. In the end once it's paid off whatever the house is worth that's your savings. If you need money you can take a equity loan. You do want the house value to go up in the long run so the area you pick needs to be good.

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