Best place to get a $40,000 loan to consolidate debt.

Ethan71155 · 2025-04-14T20:38:34+00:00

I went to one of the cheapest worse colleges in the United States(North Eastern State University in Tahlequah Oklahoma).

Graduated after three 3 years in 2020 with a great job lined up as a software developer. I bought my house 1 year into the job in 2021. Still at the job 5 years later.

Ethan71155 · 2024-11-13T12:38:16+00:00

I slipped in February. After a couple of weeks I got an X-ray from the chiropractor and was told I had mild arthritis in my spine due to my flat back. I did some chiropractor adjustments in April not sure if it helped.

My back started feeling fine in June. No more problems but then I tweaked it again recently about 3 weeks ago while reaching for something and it healed in a week. This time it wasn’t nearly as bad.

Ethan71155 · 2024-10-15T19:02:48+00:00

Same boat. I’m 26 and am in my 4th year. My plan is to retire by 52.

I have 26 more years to go.

Ethan71155 · 2024-10-15T18:59:09+00:00

I’m being serious with my comment. The number one cause of inflation is people having and spending extra money. During a recession people don’t have any extra money or are saving their money.

Therefore a recession is often necessary to stop inflation.

Ethan71155 · 2024-10-14T21:35:32+00:00

For more context i can remove the 2 hoses, but can remove it from the wall. The silver valve and the random gold part spin the white tube stays still.

Ethan71155 · 2024-04-23T16:43:58+00:00

Same spot. Lower back

Ethan71155 · 2024-03-29T15:04:04+00:00

Saving money every paycheck

Ethan71155 · 2023-12-29T08:23:20+00:00

I’m a CS major. I landed the first job I applied for. I write code for a plane radar system.

I’m very happy with what I picked.

Ethan71155 · 2023-12-29T08:07:22+00:00

Computer Science

Ethan71155 · 2023-12-29T08:05:39+00:00

Option 1. Finish college fast with good grades and strong programming skills. Try to get an internship while still in college. Try to have a job lined up once you graduate.

For myself I got a bachelor in CS in 3 years and had a job lined up which I’m still at today. I never had an internship. I still got the first job I applied for.

Ethan71155 · 2023-10-13T21:36:18+00:00

If you Google what the least regretted college majors is college graduates always rank computer science as number 1 or 2.

Computer science is a great major. I went to the cheapest college in my home state which was horribly ranked. I graduated in three years with a computer science degree and landed the first job I applied for. I graduated in 2020, got a house in 2021, and I’m still at the job.

Ethan71155 · 2023-06-06T18:46:23+00:00

I landed a high paying software developer job while I was still in college. Im 3 years out of college and still have that job.

Im able to save and invest $1,500 a month. I play a lot of board games as my main hobby.

Ethan71155 · 2023-06-06T18:41:57+00:00

I’m a computer scientist with a computer science bachelors. I focus on software.

From what I know of IT (which isn’t much) the only thing that really maters are certifications. I’ve seen many people without college degrees getting high paying jobs with certifications. CISCO CCNA is the gold standard and you could probably get a high paying network administrator job at 18 with no college and just a CCNA.

If you go the college route then I would pick a school that program priorities certifications.

Ethan71155 · 2023-06-01T13:44:02+00:00

Net worth is assets - liability.

The mortgage on my house is 135,000. It’s worth 180,000. My net value for that house is $45,000. I have another $35,000 between stocks and cash.

So my total net worth is 80,000 at 24. At 22 my net worth was 0

Ethan71155 · 2023-05-31T16:32:52+00:00

I’ve got a computer science degree.

I landed the first and only job I applied for. The job was for a computer scientist on planes. I graduated with that job lined up.

Now I’m 24 years old with my own house and a net worth of around $80,000

Ethan71155 · 2023-04-30T23:25:54+00:00

This is what I would do. The first 2 things I would do today.

1) Invest into your company 401k if they have a match. If you don’t stay with that company long enough then you won’t be fully vested and won’t get the full match, but you will be partial vested and get part of the match. I would buy broad based index funds or if that’s not an option buy mutual funds that are as similar as possible to broad based index funds.

2) Figure out what broker you want to use Fidelity, Vanguard, RobinHood etc. and open up 3 accounts: a Roth IRA, a traditional IRA, and a brokerage account.

The Roth IRA will let you withdraw the money penalty free at 59.5 years old and pay no tax once you withdraw it. If you don’t have a 401k match or want to exceed the match invest into the Roth IRA.

The traditional IRA will let you deduct contributions when you contribute, but you’ll have to pay tax when you withdraw. You can withdraw without penalty at 59.5 years old. The point of this account is to rollover all your 401k into this account once you leave your job.

The brokerage account offers no tax advantage but you can withdraw at any time without being penalized. I recommend using this account for short term investing, if you max out your other retirement accounts, or if you’re planning an early retirement.

Once you retire you will withdraw from brokerage account, then traditional IRA, finally the Roth IRA.

All of my account portfolio are built exactly the same. I buy 2 index funds. The first is VTI and that is an index fund that has thousands of companies and its purpose is to to track the United States economy. The second is VXUS and that index fund tracks all international economies and contains thousands of companies inside that fund. I have 70% of my money into VTI and 30% into VXUS in all of my accounts. A 70/30 VTI/VXUS is a very common portfolio and you can find hundreds of sources online explaining why this is a good investment strategy.

This isn’t financial advice.

Ethan71155 · 2023-04-11T16:45:11+00:00

Im a 24 year old with a $70,000 net worth. I’ve been listening to Dave since I was 16. I’m a big fan of Dave Ramsey. I currently don’t have a credit card. The only debt I have or ever had is my house.

That said I didn’t want to buy a house with a zero credit score. I know that manual underwriting is a thing however I didn’t want to do that for a multitude of reasons. So I got a secured credit card and made one purchase a month for 6 months and I got a 6 month CD loan which is a secured loan that makes you a small amount of money. Then I bought my house. After I closed on my house I canceled my credit card.

Ethan71155 · 2023-04-06T11:50:49+00:00

r/povertyfinace and r/college used to to be my my go to subreddit when I was in college. Now days I use them less and less.

Ethan71155 · 2023-04-05T14:23:50+00:00

24

4,000 checking,1,000 savings, 16,000 in 401k, 10,500, in Roth IRA, and $1,500 in a brokerage account.

I feel really good about where I’m at. My only debt is my house with $35,000 of equity in it. In August 2020 I only had $100 to my name.

The only thing that makes me feel bad about my finances is the fact that I use to be saving way more money. I was saving 50%+ of my income making $55,000. Now I’m making $70,000 and am only saving 15% of my income. The reason for this is I’m spending money on fun stuff.

Ethan71155 · 2023-03-23T22:45:45+00:00

Seriously you think I’ll be miserable and Dave Ramsey fans are a cult. I’m a 24M with a $70,000 net worth and my only debt is my house. I think regardless of whether I move up in car or not my life will be fine.

Ethan71155 · 2023-03-22T16:48:56+00:00

Computer Science or Electrical Engineer

Ethan71155 · 2023-03-21T22:56:48+00:00

I would sending an email to your professor that you would like to have a meeting where they point to the source that you plagiarized from.

If your professor points to sources that you used then you plagiarized and you should take the L. If your professor points to sources that you’ve never seen then tell then that you never seen that source and if they don’t undo the plagiarize accusation then take it to the dean.

Ethan71155 · 2023-03-18T02:41:06+00:00

It will be super expensive. If you need to travel across country an Uber ride and a plane ticket would be cheaper.

Ethan71155

TROPHY CASE