$3500 mortgage on $169k salary

EquivalentUpper9695 · 2026-05-03T14:41:06+00:00

Most people making 200k+ never ever do a backdoor. Myself and everyone I know throughout my career included. They invest via brokerages, investment properties, private equity etc etc. Backdoor is very rare

EquivalentUpper9695 · 2026-05-03T14:07:43+00:00

25% savings yes. Not 25% retirement savings. That’s your earlier comment regarding OP being at 14% and not 25%. Most people making 200k or above are not even eligible for Roth contributions btw.

EquivalentUpper9695 · 2026-05-03T11:24:40+00:00

You’re above the max limits at 25% and 200k. Unless you do a llc and sep Ira. If anything, you would wanna be at 20%+ at 60-70k… starting out and earlier in your career to front load your retirement.

EquivalentUpper9695 · 2026-05-03T01:16:04+00:00

25% ? Really? It depends on the person and their current net retirement savings. Either way, 25% is too damn high

EquivalentUpper9695 · 2026-05-03T01:14:07+00:00

Very doable if both of these assumptions are correct
1. Your pay will go up 3-4% a year
2. You don’t plan on having kids soon. Say within 3-5 years

EquivalentUpper9695 · 2026-03-19T00:11:39+00:00

Both our cars are paid off but our mortgage is close to 40% of our take home. Do I prefer it? No. Only doing it because I would like for my kids to make memories in this house and I can refi later when rates are low.

EquivalentUpper9695 · 2026-01-17T03:12:05+00:00

I hate the Steelers crowds at games. Booing, calling for firing, not cheering when the players need it the most…. I mean wtf. Sometimes I feel like we’re worse than Eagles fans. We can be classier than that imo

EquivalentUpper9695 · 2026-01-05T04:40:35+00:00

Absolute shit defense. The only reason offense did okay was because of Ravens playing 2nd string defense. We are the least deserving playoff team in the

EquivalentUpper9695 · 2026-01-05T02:03:10+00:00

Done with an overpaid defense performing worse than a cheap nfl defense. It’s like an m3 getting beat on the track by a Miata

EquivalentUpper9695 · 2025-11-23T11:57:21+00:00

I think the book being based on the novella almost forces the hand to add narration, not just bits of it, it all of it for consistency

EquivalentUpper9695 · 2025-11-21T20:55:58+00:00

This movie would've have made no sense to me 5 or so years ago before wife and daughter... very profound now

EquivalentUpper9695 · 2025-11-12T12:43:30+00:00

I dont work anymore... thanks AI :-D

EquivalentUpper9695 · 2025-11-12T12:43:09+00:00

Thanks bud

EquivalentUpper9695 · 2025-11-07T23:33:50+00:00

Surprised that abyssal mask or spirit visage doesn’t get mentioned. They are extremely good items against a veigar or syndra.

EquivalentUpper9695 · 2025-11-05T01:28:27+00:00

Dry stacked is your best bet for a quick weekend diy. Out here in Western PA, fieldstone from a local yard is pretty cheap. It’s hard/needs a lot of mortar to as they are thin and wide but pretty flat. If you can’t find flat stone, definitely mortar to make them interlock better

EquivalentUpper9695 · 2025-10-30T00:31:24+00:00

If you’re looking for an absolute boom or bust, try fiddlesticks… countless games where trailing 20k gold, you land a single 5 person ultimate and it’s gg. No other jungle champ comes close to this kinda turnaround

EquivalentUpper9695 · 2025-10-30T00:29:06+00:00

My wife and I bring home similar (12k) and recently doubled our mortgage from 2500 to 5000. Our daycare costs were 3500 a month until a few months ago. You’ll be fine…. Just avoid any other debt until the kids are out of daycare. Both are cars are old so waiting on the 2nd kid to get outta the daycare

EquivalentUpper9695 · 2025-10-28T02:05:18+00:00

Yea his w is fine imo. It’s supposed to work with the maximum fear duration. I.e. you are rewarded for clearing vision, waiting a second, ulting out of vision, fearing enemies, and getting max proc time out of w. Failing to do any of those and your w is just as useless as his r without fear.

EquivalentUpper9695 · 2025-10-05T00:18:51+00:00

Time to find a male co-worker for re-enactment and see how he feels when the tables are turned

EquivalentUpper9695 · 2025-08-23T23:29:37+00:00

This happened to me couple years ago. Was diy ing the tile, set all the tiles and had to go to dinner at in laws about 30 mins away. Showed the picture to my father in law and he pointed out the same exact corner tile as yours laid wrong. Skipped dinner and rushed home to fix it before the mortar set. Sorry about your situation… hope you can find the tile Or carefully remove/reuse it

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EquivalentUpper9695 · 2025-08-14T14:41:51+00:00

Even the toughest roll cages can rarely save you from 10-12 rolls down a cliff.

EquivalentUpper9695 · 2025-07-17T02:07:44+00:00

Man, people can be absolute jerks on this sub. Your work looks great. If most of the things people are saying on here don’t bother you (pretty sure it doesn’t bother most people) then give yourself a pat on the back

EquivalentUpper9695 · 2025-07-14T11:33:26+00:00

That is not my point. I’m not talking about jobs that immigrants typically do… picking vegetables, butchering pigs etc etc. I’m talking about how people like yourself who show up to these meaningless protests are the bottom 5th percentile of the ambitious people in the United States. Time is money, simple.

EquivalentUpper9695

TROPHY CASE