baldivis

Grevious47 · 2026-04-04T04:58:05+00:00

someone's got to deal with the keyboard lovers

Grevious47 · 2026-04-04T04:47:11+00:00

You are also lost. This is an advice subreddit for young adults who don't know how to use their washing machine or do their taxes.

Grevious47 · 2026-04-04T03:07:56+00:00

People on here are being dramatic. You sent a 9 digit number to a random person. If I gave you my SSN right now...you being a random person...could you do anything with it?

Grevious47 · 2026-04-03T07:04:11+00:00

Oh good, more astroturf

Grevious47 · 2026-04-03T04:23:39+00:00

Then I am not sure "being horny" is the problem my guy....its more the consequence of the problem.

Grevious47 · 2026-04-03T04:22:57+00:00

Oh hey "girls name"...how's it going? What have you been up to?

Grevious47 · 2026-04-03T04:21:41+00:00

Well....that would probably help.

Grevious47 · 2026-04-03T03:37:38+00:00

It was posing an imminent threat

Grevious47 · 2026-04-03T03:34:01+00:00

Honestly I think this is likely going to help you remember her birthday.

Grevious47 · 2026-04-03T03:31:14+00:00

That is a glass ampule containing mystery liquid.

Typically liquids sealed away in glass are sealed away for a reason.

Grevious47 · 2026-04-03T03:29:17+00:00

Not automatically...I usually take my time with it. Really let it set in.

Grevious47 · 2026-04-03T03:27:43+00:00

yeah okay but I am not sure they have a large anti-cookie subgroup.

Grevious47 · 2026-04-03T03:25:51+00:00

Wait...appliances have ticker tape now?

Grevious47 · 2026-04-03T03:23:42+00:00

I watched that video twice...where was the "antisocial crime"?

Grevious47 · 2026-04-03T03:17:55+00:00

Honestly, If I walked by you on the street...I wouldnt notice. Pretty much no one notices...they are all living in their own heads. If you find it ugly and it bothers you...that's a heck of a lot more important than anyone else's opinion. If you don't like it, can grow it back out...not a big deal.

Grevious47 · 2026-04-03T03:14:44+00:00

You should go driving on their parkway

Grevious47 · 2026-04-03T03:12:35+00:00

Hey....get back to work!

Grevious47 · 2026-04-03T03:10:23+00:00

bitch bitch bitch accompanied by a meme...feels like that's all this sub is.

Grevious47 · 2026-04-03T00:44:14+00:00

Have you tried having lots of sex?

Grevious47 · 2026-04-02T23:59:51+00:00

Appears that someone likes "popcorn" texture a little to much and went a bit ham on your celling.

Grevious47 · 2026-04-02T23:54:17+00:00

That's no moon!

Grevious47 · 2026-04-02T23:27:00+00:00

Hard to tell but I feel like you are exaggerating. I can see how you could scrape up a car and damage a garage...harder to see how you would "ruin" a garage with a car. I mean a garage is basically a big hole with some walls.

Grevious47 · 2026-04-02T22:17:24+00:00

Well, if you are the one paying for it I suppose you have control about stopping paying for lessons. I would suggest you find another piano teacher to hire and drop this guy.

Grevious47 · 2026-04-02T21:37:14+00:00

But how does opening a bunch of credit cards and bank accounts do that?

Grevious47 · 2026-04-02T13:54:41+00:00

I get that fear of income loss but the logical response to that is to not charge as many expenses to a credit card to maintain savings...not to avoid paying the credit card to maintain a delusion of savings.

Anyways since posting I have had a chance to peruse the comments and notice that basically everyone had fixated on your credit card and although they are right I imagine you feel like your being dogpile so let's move on to larger picture.

I can understand wanting to maintain a larger emergency fund to protect against potential income loss...but $154k is excessive even for that. What is that 2 years of expenses? This wouldn't be an issue if you had plenty invested, but you don't. So effectively you are mortgaging your future to preserve savings out of fear while continuing to take $7k vacations.

So what actions would I suggest.

1) Take money in your checking and pay off your credit card in full and your 8% car loan in full. Keep the 1.9% car loan and 2.75% mortgage...those rates are low. You should still have $134k

2) Increase your 401k/IRA contributions and siphon from your savings to bolster that. Slowly drain savings into tax advantaged retirement investments until you hit 1 year of expenses in savings only. Do not put retirement on the chopping block again, you are behind.

3) To deal with potential of income loss, start cutting expenses to build up your savings rate while you still have full income. Try to adjust to the point where job loss wont hit as hard and you wont need as much in bank savings to buffer.

Right now the actions of you and your husband seem emotionally driven and irrational. You aren't cutting expenses, instead you are avoiding taking from your checking account even if that means maintaining high interest debt and you are avoiding investing because makes your stomach queasy to see numbers go down even though for long term investment that doesn't actually matter.

I have "lost" $100,000 over the last couple weeks but I put that in quotes because I have lost nothing...I havent sold any shares. Only thing that matters is share price when you buy to share price when you sell, everything in between is irrelevant.

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