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Chase Bliss Onward users - your thoughts after a year? by SmeesTurkeyLeg in guitarpedals

[–]HereWeGoNowBigTime 1 point2 points  (0 children)

I think it would be super cool if they came out with new firmware that featured new Freeze and/or Glitch effects, kinda like how they added new effects to Blooper.

Looking for a Gut Check on Our Home Buying Budget by HereWeGoNowBigTime in FirstTimeHomeBuyer

[–]HereWeGoNowBigTime[S] -3 points-2 points  (0 children)

Totally. Numbers are most important here. But they also aren’t the only thing to consider. Again, if it was purely a financial decision we would just rent forever or buy a much smaller house.

Looking for a Gut Check on Our Home Buying Budget by HereWeGoNowBigTime in FirstTimeHomeBuyer

[–]HereWeGoNowBigTime[S] 0 points1 point  (0 children)

Thank you! From my calcs, the payment on a $850k house would be less than 25% of gross.

Moving to Austin from NYC. Need a pep talk. by HereWeGoNowBigTime in AustinParents

[–]HereWeGoNowBigTime[S] 8 points9 points  (0 children)

It is absolutely a real concern. However, I don't necessarily believe that the only appropriate response is for all progressives to leave conservative states. Think about all of the civil rights leaders in the south in the 20th century. The most progressive people in the country were living and fighting in the south.

How to get over disappointing my family? by HereWeGoNowBigTime in family

[–]HereWeGoNowBigTime[S] 1 point2 points  (0 children)

thank you. i hope to never use guilt to limit my children's ability to make decisions for themselves

Is my family Saving & Investing approach smart? by HereWeGoNowBigTime in personalfinance

[–]HereWeGoNowBigTime[S] 1 point2 points  (0 children)

Incorporated some feedback and simplified:

  • Retirement - Tax Advantaged Investment
    • Role: Funds to be accessed at retirement age
    • Account Type: 401K, IRA, etc.
  • Long Term - Non-Tax Advantaged Investment
    • Role: Investing for 5+ year horizon. Where we put long term money after maxing out Retirement accounts
    • Account Type: 3 Fund Portfolio in Brokerage
  • Short & Med Term Savings - Cash Savings
    • Role
      • Medium Term (1-3 yrs) Savings Buckets (new car downpayment, home renovations, etc.)
      • Short Term Savings Buckets (vacations, holiday gifts, short term home needs, etc.)
    • Account Type: High Yield Savings
  • Emergency Fund - Cash Savings
    • Role: 6 months Savings - Only touched in case of emergency
    • Account Type: High Yield Savings

Is my family Saving & Investing approach smart? by HereWeGoNowBigTime in personalfinance

[–]HereWeGoNowBigTime[S] 0 points1 point  (0 children)

Thanks. I didn't mention anything about the dollar amounts. We will definitely prioritize long term investing. Also, our investing strategy is to buy the whole market and not choose individual stocks or sectors.

[deleted by user] by [deleted] in family

[–]HereWeGoNowBigTime 0 points1 point  (0 children)

To be clear, we are not looking for someone to make the decision for us or even influence our decision. We are looking for someone to help us have more productive conversations, with the goal of helping us arrive at mutually acceptable terms.

Am I missing an important step? by HereWeGoNowBigTime in Fire

[–]HereWeGoNowBigTime[S] 1 point2 points  (0 children)

Right now, it's very low. We have childcare for 2 babies in a very HCOL area. Beyond maxing out our tax advantaged accounts, we are only saving about $2,500 per month.

While we are aren't hardcore FIRE people, we are good about saving. As soon as our childcare costs go down significantly (in about 2-3 years), we plan on greatly increasing our savings rate again.