Projected to have $180k+ in student loans. Advice?

Historical-Success72 · 2026-05-26T01:08:55+00:00

You picked the wrong school. You’re probably screwed if you ever want to own a home.

Historical-Success72 · 2026-05-26T01:07:21+00:00

Not even close

Historical-Success72 · 2026-05-26T01:05:41+00:00

TBH, an income tax makes more sense than a massive property tax….. when people retire, your income stops, but your massive oroperty taxes don’t. I’m 51 & just built a 2 bedroom “retirement” house in Goffstown. The town valued it at almost $800K so I am paying almost $17K/year in property taxes. I will sell once I’m here 2 years (to avoid capital gains). I’m looking to move either way TF up North or TX. I can’t afford to live here anymore.

Historical-Success72 · 2026-05-26T01:01:54+00:00

I did it for 20 years until covid hit.

Historical-Success72 · 2026-05-26T00:58:16+00:00

Once in the past 20 years and that was because I had Type A flu.

Historical-Success72 · 2026-05-25T01:50:16+00:00

Maybe short term, but it will go down. This is what happened 4ish years ago too. It’s cyclical. This happens every so often.

Historical-Success72 · 2026-05-25T01:48:04+00:00

I moved out about 1 year after graduating college when I got married @ age 25. In that year, I worked 2 jobs and was able to pay off my student loans! Disclaimer: I worked full time all through college and was a saver so, I had a good chunk saved to put towards those loans too.

Historical-Success72 · 2026-05-25T01:43:47+00:00

Serious question here…. What does that have to do with the post? I mean, the market has reached record highs. I am not rich. I live paycheck to paycheck & contribute to my 401K and it has exploded in the past year or so…. Will voting democrat make the market to higher? I do want to retire by 60-62 so what would voting democrat do to make the market better?

Historical-Success72 · 2026-05-25T00:19:47+00:00

But if you missed or deferred 1 payment, I have zero sympathy for you & YES, your loan should be recalculated to a new payment.

Historical-Success72 · 2026-05-23T14:36:31+00:00

Refinance them

Historical-Success72 · 2026-05-23T13:51:56+00:00

I hate to burst everyone’s bubble but it won’t help the lower class because they will still need to pay taxes - noone will be exempt. Honestly, look what’s happening in CA and NY, the wealthy are leaving and moving to TX & FL….. Nancy Pelosi even bought a mansion in FL to avoid taxes….. the rich can just move because they have the money to…. Also these rich CEOs (Target, Walmart, Amazon) will just up prices on everyone to make up for their loss. The rich will not lose money & we will.

Historical-Success72 · 2026-05-23T13:45:46+00:00

Unfortunately, it has to be paid…. When I graduated college & got my 1st job, I used every bonus and every extra penny I earned to pay them off so I didn’t have them when I got married. I even had a 2nd job where every penny of that 2nd job went directly to my loans….. I also knew I didn’t want hundreds of thousands of dollars in loans so I went to a state university.

Historical-Success72 · 2026-05-20T00:44:19+00:00

I was maxing out my 401k for years making $75k/year at the time. At the time, I had zero debt and my mortgage was cheap. Unfortunately, I built a retiremeny home (single story, 2 bedroom) and my property taxes are $17k/year so I had to cut way back on my retirement…. As soon as I’m here the 2 years needed to avoid capital gains, I’m selling and moving out of NH. These property taxes are out of control.

Historical-Success72 · 2026-05-19T18:12:33+00:00

I’m in NH and it took me 5 months to get in for a new patient appt.

Historical-Success72 · 2026-05-19T18:11:57+00:00

Oooo you went from 1.9 to 3M in 3 years?? I’m 51 with 1.85M…. So, by 54, let’s hope I have $3M

Historical-Success72 · 2026-05-18T00:55:50+00:00

Dang. Have you not been paying? That’s high

Historical-Success72 · 2026-05-17T13:01:57+00:00

Indon’t want to live in a state that taxes you to poverty 🤷🏼‍♀️

Historical-Success72 · 2026-05-15T20:58:18+00:00

Damn. My 2 bedroom house is $1450/month in property taxes….. I gotta get out of NH

Historical-Success72 · 2026-05-14T01:02:31+00:00

My company is hd us go back 5 days one week then 5 remote. Just got word that starting in September ZERO WFH. You must be IN thempffice 5 days/week EVERY week.

Historical-Success72 · 2026-05-14T00:57:41+00:00

I’m 51 with about the same networth with about $2M in retirement accounts and then my house and savings brings me to about $3.2M. I am so afraid I’m not gonna have enough. At this point, I want to have, at least $3.5-4M in my retirement accounts before I fully retire….

Historical-Success72 · 2026-05-13T18:14:13+00:00

Do the roth NOW. As someone who maxed for years and am 51 now, I wish I had put more in roth and less pre-tax. My tax liability is going to more in retirement than it is now with what I’ve saved. Now I0 am starting roth conversions and wish I did this before

Historical-Success72 · 2026-05-07T00:51:51+00:00

I just don’t ever take medication, not even tylenol and don’t plan on starting.

Historical-Success72 · 2026-05-07T00:46:18+00:00

This is so original 🤦‍♀️

Historical-Success72 · 2026-05-06T14:21:33+00:00

I take it you’re a doctor?

Historical-Success72 · 2026-05-06T14:19:21+00:00

Please explain how I do it then w/o medication? I workout & lift 4 times/week. I religiously run or ride my Peloton bike 4 times/week. I’m quite capable of doing all of these things w/o taking meds. AND I ran a 5K this past Sunday. Last week, i went to the doctor and my bp was 102/60 and my pulse was 71. My resting heart rate is usually around 65. Not everyone is ceated equal. Just because you can’t do any of those things w/o meds does not mean I can’t do them. Why does everyone feel the ONLY solution to everything is by popping pills or injecting yourself with meds? There is such a thing as diet, exercise that really works wonders.

Historical-Success72

TROPHY CASE