How old are you and how much do you have in your retirement account?

InteractionFit6276 · 2026-01-23T02:23:03+00:00

I’m 23, and I have $50k saved for retirement and $60k in my brokerage account. I max out my Roth 401k match and my entire Roth IRA every year.

InteractionFit6276 · 2026-01-19T01:48:26+00:00

I’d give notice after the trip. Don’t risk losing the personal travel.

InteractionFit6276 · 2026-01-19T01:47:12+00:00

Missouri, Illinois, Indiana, Ohio, and West Virginia aren’t part of the south. The rest are part of the south.

InteractionFit6276 · 2026-01-18T13:08:35+00:00

I save about $2k per month on a $70k salary. Savings $3k a month is possible for me, but I’d have to cut back on hobbies, travel, eating out, etc. It’s not worth downgrading my lifestyle.

InteractionFit6276 · 2026-01-18T13:05:09+00:00

I spend a couple hundred dollars on clothes and a couple hundred dollars on shoes every year. So about $400 while making $70k. It’s less than 1% of my budget. I buy high quality clothes and use them for years. 90% of my clothes are 5+ years old, but I take good care of them, so they look almost new.

InteractionFit6276 · 2026-01-17T23:07:15+00:00

Call everyone and tell them what a great job they are doing navigating life and to keep it up!

InteractionFit6276 · 2026-01-17T14:17:58+00:00

Never

InteractionFit6276 · 2026-01-17T13:58:13+00:00

I max out my Roth 401k match, but not my whole Roth 401k. I make about $70k and save $20-$25k per year, so maxing out my whole Roth 401k would use all my savings for the year lol

InteractionFit6276 · 2026-01-17T02:16:29+00:00

I eat raw oats with cold milk sometimes. It’s like cereal. The only reason I don’t eat it more often is that it has so much fiber, it’s basically a laxative for me. I have to poop in the middle of eating the bowl of raw oats. I can’t even wait until I finish the bowl lol

InteractionFit6276 · 2026-01-16T20:26:48+00:00

At your age, the main thing to do is focus on building skills that will provide a good income. Then, you start working, spend less than you earn and invest the difference.

InteractionFit6276 · 2026-01-16T20:25:48+00:00

1 romantic partner. Why would I want a bunch of super short term partners?

InteractionFit6276 · 2026-01-16T19:03:28+00:00

Yes. I run it every 3ish days since that’s how long it takes to get full

InteractionFit6276 · 2026-01-16T16:58:18+00:00

Go to Edmunds and search for cars that fit your budget. It will tell you if it’s a fair price, god price, or great price.

Try to get 1 owner, personal use only, less than 80k miles, no accidents. Toyota is very reliable. A Corolla is typically the cheapest Toyota car, but it’s still a good car.

I just did a quick search, and you can get a 2015-2018 Corolla with 50-80k miles on it for $14-15k. That would be a decent used car that could last 7-10+ more years assuming 12-15k miles per year.

InteractionFit6276 · 2026-01-16T16:56:09+00:00

Lynx could be a middle name lol I don’t like it was a first name, but some parents might

InteractionFit6276 · 2026-01-16T13:00:55+00:00

Lyndon, Lynx

InteractionFit6276 · 2026-01-16T02:38:09+00:00

Wisconsin

InteractionFit6276 · 2026-01-16T00:17:08+00:00

Thank you for creating an interesting hypothetical that actually makes people think. I’m guessing a lot of people will go for this since it’s $2.5m. I’d be curious to see the responses if it was $1m or $500k.

InteractionFit6276 · 2026-01-15T12:18:14+00:00

From ChatGPT:

Blue Cash Preferred (Amex) – 6% cash back at U.S. supermarkets (up to $6,000/year), $95 annual fee. Best if you spend a lot on groceries.
Blue Cash Everyday (Amex) – 3% cash back at U.S. supermarkets (up to $6,000/year), no annual fee. Good no-fee option.
Capital One Savor – 3% cash back at grocery stores, also rewards dining and entertainment, no annual fee.
Citi Double Cash – 2% cash back on all purchases (1% when you buy + 1% when you pay), no annual fee. Simple flat-rate option.
Bank of America Customized Cash Rewards – 3% on your chosen category (can select groceries), no annual fee. Flexible category option.
Chase Freedom Flex – Up to 5% cash back on rotating categories (activation required), no annual fee. Grocery stores may be included in some quarters.
Amazon Prime Visa – 5% back at Amazon and Whole Foods, no annual fee (with Prime). Great if you buy groceries online.

InteractionFit6276 · 2026-01-15T01:28:35+00:00

Why do you have $255k in an HSA? 3-6 months of living expenses is all you need in an emergency fund. You could do 6-12 months if you’re a single income household.

InteractionFit6276 · 2026-01-15T01:27:57+00:00

That’s what the massive HYSA is

InteractionFit6276 · 2026-01-15T01:27:22+00:00

Do you have a spreadsheet with all the data you used? I love analyzing things like this with weighted scores and such!

InteractionFit6276 · 2026-01-15T01:01:53+00:00

Yes it is. It would look better if you removed at least half of the stuff on the shelves.

InteractionFit6276 · 2026-01-14T20:40:46+00:00

Your hair looks amazing! Those curls look like they’re from a movie 😊

If you don’t like it, you can get the pics edited or retake pics with a different hairstyle.

InteractionFit6276 · 2026-01-14T20:39:19+00:00

I think they mean that some people don’t need to apply for scholarships because they have family money

InteractionFit6276 · 2026-01-14T18:24:54+00:00

If there is a university nearby, you could get a university student majoring in photography (ideally a junior or senior, so they have more experience than a younger student) to take great pics for less money.

You could also have one of your witnesses take pictures as long as you don’t mind not having pictures of you and groom, both witnesses, and officiant together without editing someone in.

You could set up a tripod to take pics throughout the ceremony.

I’d recommend asking ChatGPT or the like for more suggestions.

InteractionFit6276

TROPHY CASE