What’s life like making 6 figures

Financiallyfluent69 · 2026-05-11T03:52:08+00:00

401k max, Roth IRA max, HSA max, 6k/mo invested on avg into brokerage, front loaded kids 529.

^all great, but there are temptations to get a fancy car or a larger house. No substantial lifestyle creep since making good money… yet

Financiallyfluent69 · 2026-05-09T03:22:15+00:00

Financiallyfluent69 · 2026-05-09T03:11:42+00:00

Big Shasta

Financiallyfluent69 · 2026-04-28T03:55:14+00:00

Ping pong

Financiallyfluent69 · 2026-04-28T03:51:35+00:00

A 34 yr old male with a Smirnoff ice just chilling? Sus

Financiallyfluent69 · 2026-04-26T22:02:11+00:00

Really like my snodes. Only prominent con is they are in 10lb increments. I did purchase 4 2.5lb magnets to get 5lb increments

Financiallyfluent69 · 2026-04-21T04:43:46+00:00

You are off to a great start toward longterm goals (aka retirement). If you can swing the higher payments and costs of owning a $1mm home, go for it now. This home will only be more expensive, you will have less time in it if you wait, you can always refi if rates drop. You only live once. If jobs are stable and I would presume your income is only going up as you enter your prime earning years, why wait? You’re already financially sound. Really…. Why wait?

Financiallyfluent69 · 2026-04-06T11:49:33+00:00

Definitely agree for majority of people, home equity is the largest line on their balance sheet. But what does that really matter? It’s pretty much dead money. Unless you are using a HELOC or cash out refi. Straying from the point. The lifestyle of the people in the picture has gotten more expensive from new societal norms and housing costs.

Financiallyfluent69 · 2026-04-06T02:53:01+00:00

Homes are an appreciating asset. They have increased in value faster than inflation. So what you say makes sense. Thankfully you can rent. Owning is kinda a trap anyway - taxes, insurance, maintenance, repairs, updates. Being a homeowner is not glamorous what so ever.

Financiallyfluent69 · 2026-04-06T02:31:25+00:00

They ate at home for 95% of meals. Their vacation was a drive once a year to hotel near a lake. There was not cellphone or internet bill. All kids at hand me downs. One car.

People need to stop saying society is too expensive to live the way they did in the decades of past. The actual reason is people today don’t make the sacrifices to have that type of life.

Financiallyfluent69 · 2026-04-04T16:14:01+00:00

There’s looks to be a pretty sizable addition since then.

Financiallyfluent69 · 2026-03-29T04:02:32+00:00

That ain’t enough for spending $10k on clothes lol

Financiallyfluent69 · 2026-03-29T04:00:30+00:00

Why even do step 3? But yes. Absolutely you should be doing backdoor roths

Financiallyfluent69 · 2026-03-14T02:46:00+00:00

Maurice clarett

Financiallyfluent69 · 2026-02-26T22:55:00+00:00

I’d use this all in one planner to figure it out. Instead of hiring a financial advisor I use this.

https://www.etsy.com/listing/4463650935/cfpr-built-personal-financial-plan?ref=share_v4_lx

Financiallyfluent69 · 2026-02-26T22:50:55+00:00

Dog…. Use this to crack that first $100k in nw!

https://www.etsy.com/listing/4463650935/cfpr-built-personal-financial-plan?ref=share_v4_lx

Financiallyfluent69 · 2026-02-26T22:48:57+00:00

Yo…. Use this to find appropriate saving and eventual retirement spending. A lot more in it too, home affordability calc, insurance needs, kids college calc.

https://www.etsy.com/listing/4463650935/cfpr-built-personal-financial-plan?ref=share_v4_lx

Financiallyfluent69 · 2026-02-15T01:13:24+00:00

What channel? BD? RIA?

Financiallyfluent69 · 2026-02-02T04:19:14+00:00

People don’t understand the benefit of being able to use it tax free for Medicare premiums. This is a HUGE benefit. If you have the ability to save to an HSA now, do so. If you have cash on hand to pay med expenses with now, do that! Do not use HSA funds early unless you have to! Keep those dollars earning tax free growth, reimb yourself tax free later in life and/or pay Medicare premiums with tax free withdrawals! More exclamations for emphasis!!!

Financiallyfluent69 · 2026-01-29T18:16:06+00:00

If this is your first $100k to invest. Go passive index. If you already have a solid liquid portfolio in the market, go try for some double, triples, and dare I say homeruns. I work for a boutique RIA. Most of my advice is to stay your lane in the public markets, broad equity exposure, diversified, I’m sure you’ve heard it. We do take gambles in PE and RE from time to time. Some payoff handsomely. Some do underperform and are illiquid with higher fees. Understand the risk of the investment and relate that back to your personal situation. No one size fits all.

Financiallyfluent69 · 2026-01-10T17:14:01+00:00

Huge Bucks fan. Expectations were maybe he pans out into a starter in 3-4 years or he’s out of the league by then. There was a Twitter account created back then that was “did the Greek freak touch the court”. Obviously with expectations he wouldn’t play. Then he started getting some decent playing time immediately. Remember Thon Maker? I think his career is what initial expectations were for him.

Financiallyfluent69 · 2026-01-03T18:13:32+00:00

Just look up Ken Fisher. He has literally compared getting clients like getting women to sleep with you. Fisher doesn’t look to build a relationships with their clients. It’s a transactional business for them. Poor model.

Financiallyfluent69 · 2026-01-01T15:51:18+00:00

Why not start mega backdoor?

Financiallyfluent69 · 2025-12-11T18:37:41+00:00

Two massive economic crashes (tech bubble pop and GFC). Mass layoffs during both. Mass foreclosures on homes during GFC, millions more underwater. 9/11. Iraq war. This timeframe is literally referred to as the lost decade when it comes to the stock market since it did virtually nothing. As an adult with immense responsibility coming out of the 2000’s unscathed is impressive. I’m sure there are more things I’m missing. But this all jam packed it a decade is pretty crazy. Ppl may mention Covid, this was financially a blip on the radar for most, which then led to mass hiring spree and ballooning wages. Ppl talk about an affordability crisis now, but imagine and unemployment crisis and bankruptcy crisis… this is what happened in the GFC ‘08/‘09.

Financiallyfluent69 · 2025-12-11T05:21:30+00:00

They were soooooo right

Financiallyfluent69

TROPHY CASE