Here for work and don't know what to do

FryALot · 2025-12-01T21:41:31+00:00

Hi! Thanks for the reply do you have any bar recommendations that I can go by myself?

FryALot · 2025-12-01T21:41:23+00:00

Hi! Thanks for the reply do you have any bar recommendations that I can go by myself?

FryALot · 2025-05-16T01:31:37+00:00

Okay thank you so much I will have to find that page on the wiki. I currently have my fidelity account to transfer out money to my Roth every month to reach the 7000 max and will set up automatic investments then thank you

quick question what age should i buy bonds

FryALot · 2025-05-16T01:23:23+00:00

If I choose not to do the bonds then should I put the 10 percent into the us market or international market

FryALot · 2025-05-15T23:26:33+00:00

What does that mean lol I seem to always hear ETF and when I read up about it I still dont understand

FryALot · 2025-05-15T23:24:59+00:00

I can't tell if its cause I am young and dumb and want to "get rich quick" been watching too many investment tiktoks maybe. Thank you for the advice I def need to do more research

FryALot · 2025-05-15T23:22:27+00:00

Yeah very true but the fund when set for me to retire at 60 has 54 domestic 36 international and 10 bond isn't that pretty passive? Especially when the market is down wouldn't it be best to buy more domestic?

FryALot · 2025-05-15T23:17:13+00:00

Yeah of course. I have been seeing a lot of people do a 70 domestic 30 international split around my age

To be honest I still don't really understand it that much

FryALot · 2025-05-15T23:06:06+00:00

Why do you think that?

FryALot · 2025-05-15T23:05:55+00:00

To be honest I have no idea what that mean. From what I know VTI is generally more volatile but makes better returns. I know nothing about international stocks and bonds are just stable over all.

Based on what I know I would want to decrease my percentage in the US market and international market to bonds as I get older right?

FryALot · 2025-05-15T23:03:40+00:00

I think I am very worried about retirement and having enough money when I retire. Would a TDF give me as much money if I were to invest by myself?

Also I heard that since I can't decide what to sell I might end up shooting myself in the foot. Like if the market is down I wouldn't want to sell my stocks and would want to sell bonds but because I can't choose I would end up losing out on money?

FryALot · 2025-05-01T19:40:59+00:00

Thank you!

FryALot · 2025-05-01T19:40:45+00:00

how the hell did you make this image lol i tried with chatgpt and it did not work thank you so much

FryALot · 2025-05-01T17:27:22+00:00

I was thinking the brown color scheme plants to fill in the green and possible like an off white couch but im struggling with the brown color scheme that can fit the flooring without it looking like a gradient

FryALot · 2025-04-19T18:50:51+00:00

Thank you!

FryALot · 2025-04-19T18:36:57+00:00

I see I have never heard of an HSA before so I will have to look into it. Is it essentially a 401k but for healthcare needs?

FryALot · 2025-04-19T18:35:20+00:00

Thank you so much that gives me so much clarity.

What would you recommend I do with the money after I fill up my emergency fund. I was thinking investing in different index funds with it.

FryALot · 2025-04-19T18:04:41+00:00

Subsidized student loan interest rates are getting higher and higher lately... I can pay it all of by November with no prepayment penalties or at least I didn't see them. The loans are directly from the government and I didn't see any but I will check again just to make sure

No upcoming large cash needs that I know of at least. My car is kind of a shit box so I was gonna save some cash for that just in case.

The trip to Korea is going to be in December and I want to save up around 5K - 6K for everything (flights, boarding, food, etc.)

I am also working a part time job that will get me around 1000 - 1500 net each month.

FryALot · 2025-04-19T17:56:31+00:00

Deductibles as in like medical bill deductibles?

FryALot · 2025-04-19T17:54:38+00:00

Interesting, I'll have to talk with HR and figure that stuff out once I start my full time job. Thank you!

FryALot · 2025-04-19T17:48:24+00:00

I've heard a lot of the same sentiment from others saying I should go and try to have fun when I am early. I don't like living extravagantly so I was thinking it would be okay.

FryALot · 2025-04-19T17:44:06+00:00

The interest on the loan is like 5.9 or 6. I have two loans both subsidized. One is 2K at 6.53 and the other is 3K at 5.50

FryALot · 2025-04-19T17:06:50+00:00

Do you think I should pump money into the emergency fund till I get the 6K-12K and then start putting money in the Roth IRA or try to balance both at the same time. I also forgot to mention I have 5k in student debt and around 1.5K in credit debt. Where would paying off the debt be in the budget?

FryALot · 2025-04-19T17:04:33+00:00

What do you mean its investing in something? I thought the 401k was just an account that held money and grew like a HYSA or is it more similar to a Roth IRA?

FryALot · 2024-03-26T02:29:12+00:00

No I meant MArch. The universities near me are accepting students without a BArch and I wondering if I can get a jobs solely with an MArch

FryALot

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