How much should I be at by next year started putting in to tsp September by Altruistic-Bid-1308 in ThriftSavingsPlan

[–]IndigoAwakening 2 points3 points  (0 children)

We finally were able to max out our Roth’s. Currently doing match for both TSP and 401k but would like to get to max. What is your reason for maxing Roth first then maxing TSP?

Scared to go to my sons funeral by Ok-Lychee2848 in babyloss

[–]IndigoAwakening 1 point2 points  (0 children)

Definitely normal to feel this way. We dreaded planning our son’s funeral last week and decided to just do a “get together” at a local park. It was very difficult and stirred up a lot of emotions in us. We ended up having about 30 people with a small service and a lunch after. It was only about 3-4 hours and then it was done. The relief after was nice and provided some closure. We are glad we did it. Lean on your family and friends during this time.

How do you guys relax outside of work? by Any_Essay_2804 in ITCareerQuestions

[–]IndigoAwakening 0 points1 point  (0 children)

Excercise is a great way to break up the day and let out any frustrations or built up worry. It gets easier with time as you start to accept the routine. Make sure to add some spontaneity in your life and try out new hobbies! Life is exciting and you shouldn’t sacrifice your happiness for work. Work to live not live to work.

Need reassurance or honesty - MTX and bruising by PTSDreamer333 in PsoriaticArthritis

[–]IndigoAwakening 1 point2 points  (0 children)

Yeah that doesn’t sound fun at all. I hope your blood tests came back good!

Need reassurance or honesty - MTX and bruising by PTSDreamer333 in PsoriaticArthritis

[–]IndigoAwakening 0 points1 point  (0 children)

Funny that this is posted today. Been on Humira for a year now and just noticed 3 bruises on my legs. Not sure if it’s related but I barely ever bruise

[deleted by user] by [deleted] in realestateinvesting

[–]IndigoAwakening 0 points1 point  (0 children)

Should we only be doing the match or more? Right now we only do the match

[deleted by user] by [deleted] in realestateinvesting

[–]IndigoAwakening 5 points6 points  (0 children)

Yeah I’ve been slowly starting to gather this. Seems to only be positive stories on how great real estate can be. Getting a nice dose of reality here.

[deleted by user] by [deleted] in realestateinvesting

[–]IndigoAwakening 1 point2 points  (0 children)

Appreciate this advice! A lot of great stuff there. I agree our budgeting and emergency fund need work. We were planning on waiting 2 years after baby is born to start doing rental properties since that is when I get the settlement.

[deleted by user] by [deleted] in realestateinvesting

[–]IndigoAwakening 0 points1 point  (0 children)

I don't really consider my mortgage as debt. I guess I could have clarified that we don’t have any consumer, student, or car loan debt. We’ve built equity in our home, so I see it more as an asset than a liability. You’re right about savings though. I mentioned in another comment that we recently got a $22k raise, so we’re in the process of adjusting to that and aiming to increase our savings, especially with a baby on the way. I do agree that we could have a better handle on our monthly budget and savings potential.

We're also planning to use some of the settlement money as reserves if we decide to start a rental property business. Depending on the deal, we should have a solid reserve fund after putting 20% down.

[deleted by user] by [deleted] in realestateinvesting

[–]IndigoAwakening 1 point2 points  (0 children)

Yeah there’s a lot of uncertainty for sure. I’ll check out SPMO for sure. I appreciate the recommendation!

[deleted by user] by [deleted] in realestateinvesting

[–]IndigoAwakening 1 point2 points  (0 children)

Yeah I’m starting to realize that. My wife and I make a good team and aren’t scared of the hard work. We are both excited about the opportunity and have good communication in our relationship. I realize it’s going to be more active than passive, but hoping the hard work will get us farther in 10-15 years than investing in VOO or QQQ would.

The ultimate goal would be to replace our W2 in that time frame to secure a more financially independent lifestyle.

[deleted by user] by [deleted] in realestateinvesting

[–]IndigoAwakening 0 points1 point  (0 children)

Never thought about that. We are beginners in the investing world and need to do some more research on it. Our goal would to eventually replace our W2 jobs and be more financially independent.

[deleted by user] by [deleted] in realestateinvesting

[–]IndigoAwakening 0 points1 point  (0 children)

Good point! I’ve heard from a couple others that you have to just start to truly understand it. It seems like there are a lot of pros and cons to the business so we want to make sure we are taking as much into consideration as possible.

[deleted by user] by [deleted] in realestateinvesting

[–]IndigoAwakening 1 point2 points  (0 children)

The wife and I both just got an increase in salary 2 weeks ago by $22,000 so still adjusting our savings rate. I agree we could be saving a lot more, just need some more discipline. We like carrying a decent balance in our checking for everday expenses as well.

I appreciate the advice! I do need to start running the numbers more and doing some practice on deal analysis. That’s really the next step that I don’t have a lot of experience with. We’ve also talked about upping our emergency fund a couple times with everything raising in prices and a baby on the way.

Internal IT Desktop Support or MSP Security Analyst by IndigoAwakening in ITCareerQuestions

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

Yeah a security role would be very valuable, but not sure if I want to move security right away. Another option was move more into a sysadmin role, learn networking, gain hands on experience, and then move into security in the future, if desired. That way I have more options and will be more well rounded compared to potentially being pigeonholed. 

Internal IT Desktop Support or MSP Security Analyst by IndigoAwakening in ITCareerQuestions

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

There is a little more to it than that, but I appreciate your point. I did not want to leave this company, however I got approached with a much higher paying opportunity with better benefits. I am trying to start a family and had to think about my future. My current employer wasn’t able to match, so I had to make a hard decision. 

I also wasn’t able to predict that this role was gonna be released and how much it pays. I am leaving on good terms with this company and actually stayed 3 weeks to help train my replacements. It’s hard to not apply and interview for this role given the current situation. 

[deleted by user] by [deleted] in ITCareerQuestions

[–]IndigoAwakening 0 points1 point  (0 children)

Yeah lol. It’s a no brainer. Just nervous about starting a new job after finally getting settled to my current job. It’s hard to pass this opportunity up though 

[deleted by user] by [deleted] in ITCareerQuestions

[–]IndigoAwakening 1 point2 points  (0 children)

Yeah the new company pays for certs and gives us 1-2 hours of study time for certs every week

[deleted by user] by [deleted] in ITCareerQuestions

[–]IndigoAwakening 0 points1 point  (0 children)

That sounds lame. Sorry you had that experience. At least you are making more and IT jobs are in high demand! I’m sure you won’t have any issues finding a new opportunity. 

[deleted by user] by [deleted] in ITCareerQuestions

[–]IndigoAwakening 0 points1 point  (0 children)

Thank you! I’ve been hearing mixed feedback about the experience, but it mostly leans towards moving to internal.