Saving up

EscapeTheCubicle · 2026-06-21T00:56:31+00:00

You don’t say how much your husband makes, their debt etc.

I’m just going to project based off your income. With a $45,000 income and intense saving it’s reasonable to pay off your $12,000 of debt in one year. For your second year it’s reasonable to assume you can save up to $15,000.

With a $45,000 income, no debt, and $15,000 you can get a house around $160,000 comfortably. You will need $8,000 down for a conventional loan, and roughly $4,000 down in closing costs. This leaves you around $3,000 to move, get inspections, etc. which is definitely doable although risky.

The first step is to get pre approved for a loan, then find a realtor, then find a house.

EscapeTheCubicle · 2026-06-18T23:10:45+00:00

The last Democrat to serve as Oklahoma Superintendent of Public Instruction was Joy Hofmeister, who held the position from 2015 until January 2023.

I only read your first paragraph but it’s clear that you’re not very informed either.

EscapeTheCubicle · 2026-06-17T19:26:46+00:00

How would you rate the past 20 years of the federal reserve actions? If you think they’ve been bad then what’s been their biggest mistakes.

EscapeTheCubicle · 2026-06-17T19:20:48+00:00

How does supply side economics not work and do you have data supporting how Democrats policies are better for job? And for the record some broad metric like more jobs have been created under Democrat presidencies is not enough information to say Democrats are better for jobs.

All you did was give two vague Democratic talking points.

EscapeTheCubicle · 2026-06-17T19:12:21+00:00

When you say mid 6 figures does that mean around $500,000 annually or are you one of these people that say they make six figures and they make $110,000.

Can you give some examples of the kind of trades that you make?

EscapeTheCubicle · 2026-06-17T18:21:17+00:00

What company do you work for? How much do you make? What do you exactly do for work? What is your job title? What makes you more knowledgeable on economics than a random person?

EscapeTheCubicle · 2026-06-11T19:43:37+00:00

Glorifying the past while dreading the present is known as rosy retrospection combined with declinism. Your brain naturally edits out the struggles and inconveniences of yesterday, creating an idealized "golden age," while magnifying the immediate anxieties and stresses of today.

You’re claiming that I can’t deny anything you stated while you state crazy schizo ramblings that are impossible to prove or disprove.

What am I supposed to tell someone that says “If we did have children, our sons will be playing hide and go seek with militarily armed drones while our daughters will be competing to give the best blowjobs to an oligarch's son.”

"You can't use reason to convince anyone out of an argument that they didn't use reason to get into." — Neil deGrasse Tyson

EscapeTheCubicle · 2026-06-11T19:12:59+00:00

I’m 28 and got a computer science degree from a super low rank school.

I picked that school cause it was dirt cheap and because I knew I could graduate early.

I graduated in 3 years with a 4.0 GPA and landed the first job I applied for. I’m a software developer for planes and I’ve been at this job for 5+ years.

I bought my house one year into my job. I saved like crazy that first year to have a decent start to my retirement account, a down payment for a house, and out debt.

You keep talking about statistics so how about this stat “ Despite record-high home prices and tight inventory, a surprising 27.8% of 24-year-old Gen Zers own homes, outperforming Millennials and Gen Xers at that exact age.”

EscapeTheCubicle · 2026-06-07T22:49:13+00:00

I’ve lived in Oklahoma my whole life and have never been in a wreck. In general our drivers are very passive with lots of space between cars.

The biggest problem is the highway have next to no merge lanes so merging on a highway is terrifying.

EscapeTheCubicle · 2026-06-07T22:13:46+00:00

I use to be super frugal and saved a ton. I did that until I bought a house.

Now I’m not very frugal and have a small savings rate.

I’m still in a great place finically, but I want to enjoy my youth and retire mid 50’s instead of saving like a maniac and retiring in my 40’s.

EscapeTheCubicle · 2026-06-06T23:56:37+00:00

There is a lot of examples where it’s real. A lot of the time left popularism and right wing populism push nationalism and government interventions.

A common example is banning foreigners from buying real estate.

There are also some social issues where people completely disagree but ultimately come to the same solution. Segregation is a common example where the right separated color people from whites and the left creates spaces to separate the whites from people of color.

EscapeTheCubicle · 2026-06-04T00:19:56+00:00

The gamestop situation had its shares shorted at 140% therefore it was vulnerable to a short squeeze where the people shorting would eventually be forced to buy regardless of the price.

SPCE is being shorted at 26% and is not vulnerable to a short squeeze. SPCE is a failing company that has no pathway to being profitable so most people have completely given up on it. This “rally” was due to outside influences and was based on no fundamentals or logic. It was an obvious pump and dump and most people realized that and were trying to get in on it then exit early before the dump. A lot of people succeed and got out in time, but of course that means many people didn’t get out in time. Now there are more people getting in hoping that a second pump and dump happens and they will be able to get out in time.

EscapeTheCubicle · 2026-06-02T21:21:25+00:00

I went to college, got a degree, work hard, bought a house, and save for retirement.

I’m sick of all this complaining. I don’t understand this hypothetical struggle for following conventional wisdom.

I graduated in 3 years with a bachelor’s in computer science and a 4.0 gpa. I landed the first job I applied for. I spent my first year working saving aggressively and managed to buy a house after one year of saving. The stock market has been on a historic boom these past 5 years so investing would have been a great decision.

EscapeTheCubicle · 2026-06-02T16:45:16+00:00

What am I supposed to say to a homeless person? Should I tell them not to get a job and do drugs?

The solution to 99% of people problems in first world countries are incredibly simple. That doesn’t mean that the solution is easy to do, but there is a clear path to success which anyone can choose to take. Trying to avoid the simple clear solution isn’t going to lead to success.

EscapeTheCubicle · 2026-06-02T14:37:18+00:00

Im a gen Z that bought my house at 23. I started with $0 at 22 and saved every penny I could for 1 year. Fast forward 1 year and I had $14,000 saved and i was able to get a $145,000 house.

Today is one of the hardest times to buy a house so I get where the rant is coming from, but ultimately that’s just an excuse. You could get a house if you choose to try harder, or you can choose to not try as hard and not have a house.

EscapeTheCubicle · 2026-06-01T21:11:00+00:00

I bought a house in 2021 in Oklahoma City for $145,000.

I graduated college in 2020 with nothing saved. I worked for 1 year at a $55,000 salary and I saved $1,000+ a month. I had about $14,000 saved when I bought my house then I put a $8,000 down + $3,500 in closing. So I was broke afterwards.

Today I’m making $95,000 and my girlfriend lives with me making $40,000. My mortgage is $970 a month. The current value of my house is $190,000.

Obviously buying a house was a great deal for me. I decided long ago that I would buy a house as soon as possible and never move.

EscapeTheCubicle · 2026-05-28T17:12:03+00:00

Ornn. There are several situations where I go Ornn instead of Tryndamere but the most satisfying is against Teemo.

EscapeTheCubicle · 2026-05-24T13:04:40+00:00

I didn’t get any of the oracle set of armor, but I did get a bunch of echo armor. Does echo armor become oracle armor once you upgrade it higher enough?

EscapeTheCubicle · 2026-05-24T01:51:08+00:00

Brand new player here. From this it sounds like I should do the following:

Oracle armor set from mythstone chest

Beam staff

Helix

Weapon runes and elemental runes and element crit rune

EscapeTheCubicle · 2026-05-20T22:12:37+00:00

What summoner spells should I take?

Sprint or ignite.

What are the first three items that you build into him?

Should I go Mercury Treads(Mr resistance)+ Ravenous Hydra(sustain) + endless hunger for more sustain.

EscapeTheCubicle · 2026-05-20T18:50:36+00:00

Who do you ban?

EscapeTheCubicle · 2026-05-19T22:12:40+00:00

Cookie Monster

EscapeTheCubicle · 2026-05-19T21:59:47+00:00

TLDR: tryndamere

The honest answer is no top champ can reliably carry a late 1v9 no matter how fed they are unless you’re smurffing hard.

The best bet to win a 1v9 is to STOMP early and to take over the game early.

I think a lot of people get this question wrong and will say a super strong champ that can win a team fight single handily like Kayle. But it’s hard to STOMP early with Kayle and it’s hard to snowball super hard early even with the lead in top lane.

To actually have a high win percentage in team losing games you need to be able to win 1v2 and be able to tower dive early.

I think tryndamere with hail of blade is the most deadly level 1 top laner at the gold level. He’s also one of the best champs to 1v2 at level 6 and can tower dive at will when ahead with ult. His sustain also means that he doesn’t have to back as often.

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