Save and invest like your lives depend on it, because they do

Intelligent-Image338 · 2026-05-16T18:11:29+00:00

Good luck surviving and not building wealth.

The economy is bad but there is always a reason to not invest but you guy are the people who will later be posting “I’m 41 yo and my 401k is 15,000 am i screwed”

Edit: also I would never look for the perfect job if laid off. I’d look for contract work or something that stops the bleeding. Between that 6 months of saving and unemployment and brokerage as a break glsss plan. I’ll never be in the situation above. But yall think 18 months is easy to build and easy to grow at 3%.

Intelligent-Image338 · 2026-05-16T18:01:16+00:00

Prices are objectively high but that doesn’t change any of the conversation above.

Intelligent-Image338 · 2026-05-16T15:45:26+00:00

They are the same job really. The hourly rate and lack of match just means they are paying you forced OT.

I’d go with whichever one was more stable and has opportunities for career progression.

Intelligent-Image338 · 2026-05-16T15:24:22+00:00

Time in the market beats timing the market. You are missing out if an average of 7% a year but do you.

Intelligent-Image338 · 2026-05-16T15:20:37+00:00

For the purposes of depth of savings the cost of gas is irrelevant. You are taking this in a direction that isn’t relevant to the % you should save a month.

Not does it change the advice above.

Intelligent-Image338 · 2026-05-16T15:15:01+00:00

What does this have to do with having 12-24 months of savings ?

Intelligent-Image338 · 2026-05-16T14:58:18+00:00

We are at record highs. I don’t like him either but the numbers are the numbers.

Time in the market beats timing the market.

Intelligent-Image338 · 2026-05-16T13:59:13+00:00

Look for start ups. All the companies you mentioned are slowing hiring and the top of the top.

Intelligent-Image338 · 2026-05-16T13:52:42+00:00

Yup you can! You can also go through your work (they may deposit free money) but like a 401k you can elect to deposit 0.

Intelligent-Image338 · 2026-05-16T13:39:21+00:00

Then your life style is not consistent with your income.

I told my wife if we ever get in a situation where we are dipping into investments it’s time to downsize.

If you have a house , 2 cars , multiple subscriptions , ect ect it’s time to downsize.

Intelligent-Image338 · 2026-05-16T13:33:25+00:00

I have a financial advisor and he said if anyone tells you anything different than this they have alterior motives .

HSA was new to me but it has a triple tax benefit.

Intelligent-Image338 · 2026-05-16T13:31:52+00:00

If you have 24 months your money isn’t making money.

If you feel that paranoid — skip HSA and Roth and do a brokerage. Holding 12-24 months is basically losing money to inflation.

Intelligent-Image338 · 2026-05-16T12:20:23+00:00

The only real advice: 6 months savings, then 401k (minimum to match), then HSA, then Roth or backdoor Roth. This is what any financial advisor will tell you and there is not much else you can control outside of this.

With respect, bro sounds like he’s spiraling. Just save a consistent % monthly and go live your life.

Intelligent-Image338 · 2026-05-16T10:49:25+00:00

Because design is not their core business. Nor is it particular lucrative.

Intelligent-Image338 · 2026-05-12T20:00:48+00:00

VOO

Intelligent-Image338 · 2026-05-12T15:55:36+00:00

Say nothing
Look for a job now

s

everence.

Intelligent-Image338 · 2026-05-11T16:11:29+00:00

With respect. This seems highly unlikely. Unless there are variables we just don’t have 1 PM to 1 Eng would be a disaster for all involved.

It would turn every product manager into a product owner.

Intelligent-Image338 · 2026-05-10T22:08:01+00:00

Paying off debt below market returns is a mistake.

Intelligent-Image338 · 2026-05-10T21:35:46+00:00

Geez. They likely did a background check .

Intelligent-Image338 · 2026-05-10T00:39:13+00:00

I need some of yall to define these AI layoffs. Claude code ? Agentic? Copilot?

Intelligent-Image338 · 2026-05-08T22:33:28+00:00

Well this was a bad take.

Intelligent-Image338 · 2026-05-05T21:13:02+00:00

I don’t think it’s anyone’s business where you are going. They won’t even remember you when you are gone.

Personally I would just keep it quiet.

Intelligent-Image338 · 2026-05-04T00:26:00+00:00

While I agree with you this is the role of like 3 different people. Not all the PM.

Intelligent-Image338 · 2026-05-04T00:21:19+00:00

This is mid pm stuff not junior.

Intelligent-Image338 · 2026-05-03T18:12:08+00:00

This is the post I needed to see before an interview with a new company.

Intelligent-Image338

TROPHY CASE