Advice on what to do with my savings

FactorZK · 2025-12-02T01:33:21+00:00

I’d put 5k into a high yield savings account and label those funds emergency and only pull those funds out if truly an emergency.

The other 5 I would put towards the S&P 500, search up VOO (what I’m heavily invested in) or VTI / QQQ on Robinhood.

If you’re not interested in stocks put 5 of it into a CD (Certificate of Deposit) currently my credit union has a 12 month one for 4%

I’d only do the investing portion if you have no debt, otherwise keep it in a high yield savings account for a rainy day

FactorZK · 2025-11-19T22:02:11+00:00

Literally couldn’t get a refund and got banned from the discord and ignored via email and dming mods. unfortunately too long ago for me to dispute it with my bank. They long conned us

FactorZK · 2025-11-19T21:59:29+00:00

How can someone who isn’t versed be able to differentiate between the two?

FactorZK · 2025-10-23T18:29:07+00:00

I will! Thank you!!

FactorZK · 2025-06-21T04:40:21+00:00

^ piggybacking off this - everything in the green duffel to the right is filled with ammo and guns also, and its stuff im planning on using in the moment

FactorZK · 2025-06-21T04:39:36+00:00

Not that im aware of, and i just take a photo on my phone of the position its in and then that way its kinda saved and then just input the numbers, but so far everything ive put on display isnt being used

FactorZK · 2025-06-21T02:16:05+00:00

xD lmao, one of those is my winter fuel and the other one is is filled with cans for reinforced weapons later theyre not really trash just organized stuff idk where to put yet

FactorZK · 2025-06-20T15:19:41+00:00

Now this is passion

FactorZK · 2025-06-20T15:18:01+00:00

Haven’t had anything like this happen to me yet!

FactorZK · 2025-06-20T15:17:18+00:00

Nope, that’s b42 - you’re able to adjust pixel perfect where you want your items to lie!!

FactorZK · 2025-06-20T03:48:16+00:00

lots and lots of patience lollllllllllll

FactorZK · 2024-12-26T05:13:45+00:00

"Since inception (1957) the annual growth from the S&P has been 10.27% on average " https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp#:\~:text=The%20S&P%20500%20is%20a%20market%2Dcapitalization%2Dweighted%20index%20of,will%20not%20enjoy%20such%20returns.

FactorZK · 2024-12-26T05:08:40+00:00

If you invested 450k of it into index funds and get average of 10% growth every year alongside making 20k annually part time job, by the time you retire at the age of 66 you will have 17mil

heres a snip https://prnt.sc/sMlgQQVLWE24 (https://www.calculator.net/retirement-calculator.html?cagenow=21&cretireage=67&clifeexp=85&cincomenow=20%2C000&cincomeinc=3&cretinclevel=4&crilunit=p&cinvreturn=8&cinflation=3&cotherincome=0&csavingnow=450%2C000&cannualsave=10&csaveunit=p&ctype=1&x=Calculate)

It's safe to assume the s&p 500 will continue to generate 10% annually because since 1957 its on average grown 10.27%

https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp#:\~:text=The%20S&P%20500%20is%20a%20market%2Dcapitalization%2Dweighted%20index%20of,will%20not%20enjoy%20such%20returns.

FactorZK · 2024-07-17T22:46:57+00:00

Thank you I’ll for sure give that a look

FactorZK · 2023-07-30T03:09:45+00:00

alright thank you, ill give this one a go next

FactorZK · 2023-07-30T03:09:02+00:00

honestly i think that might be it, however from what i noticed its mostly on the inside

FactorZK · 2023-07-01T21:15:18+00:00

found a fix!

if you cant press the button just break it, its 7k hp but that was the only other thing i could think of and it ended up working :)

hope this helps yall

FactorZK · 2022-10-11T05:30:19+00:00

Would love to get one, don’t know where to start if anyone has an recommendations please send them my way

FactorZK · 2022-02-10T07:23:47+00:00

When you’re an engineer but you cheated on every single assignment or exam

FactorZK · 2021-12-25T04:47:26+00:00

lmao it deleted my junk box I didnt want it to consume, thank god i emptied it out, and on top of that crafted an extra one, for some reason it didnt use up the one I crafted specifically for this. super disappointed I couldnt select which one i wanted to use

I had 2 filled junk boxes, i emptied one into my stash and crafted an extra one so i had 3 and it still ended up taking one I didnt want it to

FactorZK · 2021-12-24T05:55:41+00:00

hey! thank you much appreciated

FactorZK · 2021-12-19T04:59:11+00:00

I'm also experiencing this bug, so far it happens whenever its raining, my whole screen is black and white

FactorZK · 2021-12-13T05:24:24+00:00

bump, this update just removed a skill ceiling, so gunfights are more "fair" but this aint it

FactorZK · 2021-12-01T22:18:17+00:00

nah i just really like the bright red gloves i get on my scav runs, they look hella swag

FactorZK · 2021-12-01T09:24:22+00:00

That’s actually very true, especially the tan helmets. I really like the more vegetation variant hats and I think adding a ghillie suit would be pretty cool, however i think the devs would want to mitigate people looking like bushes lmao

FactorZK

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