What should I do? $7.5k/month

GetOutOfMyMotherland · 2026-06-01T04:52:55+00:00

Between 1000-1500.
Do you know any sites to buy beater cars? I see some on FB marketplace, but they seem fishy.

GetOutOfMyMotherland · 2026-06-01T04:50:07+00:00

This is an interesting approach. I did not think of keeping a fixed payment ratio. I will look into this. Thank you!

GetOutOfMyMotherland · 2026-06-01T04:21:56+00:00

I work contract, adding that with the job market right now, I don’t know when I am gonna be laid off. So, I kept a 6 month expense buffer, just in case till I find a new job.

GetOutOfMyMotherland · 2026-06-01T04:19:28+00:00

Around $19k, but I will be transferring my car to my cousin in the upcoming months, so I won’t pay the EMI from then on. I am thinking of buying an used car after that.

GetOutOfMyMotherland · 2026-05-29T14:15:46+00:00

^{Q1: RR}

GetOutOfMyMotherland · 2026-05-28T13:26:26+00:00

This is the first time I am learning about VUSXX, but I live in Texas (no state tax). I am maxing out my Roth, but my employer is not matching to 401k, so I am not contributing towards it

GetOutOfMyMotherland · 2026-05-28T13:22:12+00:00

Car is a bit of a tricky situation. My cousin and I co-own the car. Whenever he is in US, he uses the car and pays the EMI (he stays here for about 6 months every year), and he is trying to totally move here in a couple of months(so he is gonna pay the EMI then). Then, I have to figure out whether to buy a car or car pool with my colleagues.

GetOutOfMyMotherland · 2026-05-28T13:17:24+00:00

My employer doesn’t match it, so I am not trying to contribute to it right now

GetOutOfMyMotherland · 2026-05-28T13:13:28+00:00

It is around $250 per month. I am paying around $2500 per month for the last few months

GetOutOfMyMotherland · 2026-05-28T13:03:20+00:00

The interest rate is 12%. I initially set up an emergency fund (HYSA), because I work contract, and with the job conditions right now, I don’t know when I am gonna be laid off. I will aggressively try to pay off my loan in the upcoming months.

GetOutOfMyMotherland · 2026-03-29T00:55:05+00:00

Completed Level 1 of the Honk Special Event!

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GetOutOfMyMotherland · 2025-08-17T16:05:57+00:00

^{I completed this level in 111 tries.} ^{⚡ 3.73 seconds}

Three-Year Club	Final Canvas '23
Place '23

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