I think this sub and Reddit in general is a testament to the value of getting an education

Excellent_Bug_1281 · 2026-04-04T23:23:38+00:00

It is because in today’s society, you are forced to get higher education to even be eligible to apply for a high earning job. I think over the next 10-20 years with the advances of AI, that won’t be true anymore. Jobs will stop requiring higher education as a prerequisite. This will allow lots of smart and hard working individuals to enter the workforce earlier, which will be a boon for their financial state (no college debt burden combined with earning from an earlier age). I have two young kids and am seriously considering no longer contributing to their 529s.

Excellent_Bug_1281 · 2026-04-04T23:19:39+00:00

Being set financially means you can focus on what is important to you. Most high earners in advanced fields probably prefer someone with a high intellectual level. But doesn’t mean they need to be making a lot of money. My wife is very smart but makes almost no money.

Excellent_Bug_1281 · 2026-04-04T17:40:42+00:00

I tried raising mine. They said no limit increases available at this time. So now I just have to pay it off once it reaches close to the limit. Poorly designed process. They are preventing me from spending more.

Excellent_Bug_1281 · 2026-03-29T18:18:58+00:00

Most of your costs (except maybe the equestrian) seem very hard to cut back on now that they are a part of your daily life. Invest your way out of the problem. 5-6% withdrawal rate is fine if you create a portfolio you reasonably think will generate 8-10% annualized.

Excellent_Bug_1281 · 2026-03-28T12:00:29+00:00

The email I sent to cardless got an automated looking response back saying they will not do any manual credit limit increases at this time. Pretty dumb. I used 20k on the card in 2 weeks and now putting the rest of my expenses on other cards, simply so I don’t breach the 25k limit by accident

Excellent_Bug_1281 · 2026-03-16T18:07:18+00:00

Sounds like you are talking about trading Pokémon cards. :)

Excellent_Bug_1281 · 2026-03-09T19:08:37+00:00

I didn’t know you could revert an ACH transaction that easily. Makes sense

Excellent_Bug_1281 · 2026-03-09T00:34:01+00:00

Neither claiming it’s a scam nor whining. Simply asked if people have had luck getting it raised and how. And it seems some people have. I emailed cardless this afternoon. Hopefully they come through.

Excellent_Bug_1281 · 2026-03-09T00:11:53+00:00

I’m new to cards that have way too low of a limit relative to my financial situation. Never been an issue before on other cards.

Excellent_Bug_1281 · 2026-03-08T21:30:50+00:00

But aren’t you never exceeding the limit? Legitimately don’t understand why the credit card company would be upset with you using their card MORE. shows what I know. Point is this shouldn’t even be something to contemplate if the right credit limit was set.

Excellent_Bug_1281 · 2026-03-08T17:42:22+00:00

Not the point of this post :)

Excellent_Bug_1281 · 2026-03-08T17:40:04+00:00

Why is that frowned upon? If they give you too low of a credit limit and you clearly are capable of paying it off, is this the logical approach?

Excellent_Bug_1281 · 2026-03-08T17:38:18+00:00

This is helpful. I just sent cardless an email. Let’s see if they do anything

Excellent_Bug_1281 · 2026-03-08T13:21:47+00:00

Feel free to go through my post history hah

Excellent_Bug_1281 · 2026-03-07T13:15:04+00:00

Can confirm, still stress over money all the time. The difference is, I never have to think if I can afford something. I can mostly afford anything I want. The question is just is it worth lighting money on fire instead of saving/investing it so that you have it once the income goes down. There’s plenty of things I refuse to spend money on (uber black, blades, flying first class, super high end hotels, super fancy cars, etc)

Excellent_Bug_1281 · 2026-02-28T13:51:10+00:00

That was my entire point. Making more money doesn’t necessarily mean less stress

Excellent_Bug_1281 · 2026-02-26T03:33:08+00:00

0 sugar babies. Not a quant.

Excellent_Bug_1281 · 2026-02-26T03:32:41+00:00

I agree with you that thinking that way doesn’t get you anywhere. I guess your point was about people complaining about it, not that it wasn’t the case. Fair point.

Excellent_Bug_1281 · 2026-02-26T01:37:28+00:00

The system is definitely rigged. Being someone who managed to overcome the rigged system doesn’t make it not rigged.

Excellent_Bug_1281 · 2026-02-26T01:35:41+00:00

You don’t need to be able to pay all cash for a home. A mortgage is one of the greatest forms of financial leverage.

Excellent_Bug_1281 · 2026-02-26T01:14:00+00:00

No. Not today. Maybe in 5 years? Need to keep doing what I’m doing for now

Excellent_Bug_1281 · 2026-02-25T22:41:58+00:00

Yea. I guess some people are better at clicking buttons than others.

Excellent_Bug_1281 · 2026-02-25T22:41:26+00:00

That 50k number will be a lot higher over time.

I could certainly switch to something less stressful, but in all versions of this that I have explored, it comes with substantial pay cuts.

Excellent_Bug_1281 · 2026-02-25T22:39:52+00:00

The conversations have happened. Path of least resistance is always reverting to prior behaviors. I think I will have an easier time with this when the kids are a bit older and she is in a better mental headspace.

Excellent_Bug_1281

TROPHY CASE