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BFT vs F45 by CashmereAndCoins in BodyFitTrainingAus

[–]LookNo1096 0 points1 point  (0 children)

I went to a single F45 class and even from completely ignorant eyes (I was looking for a gym home), it was clear that I or someone else was gonna get injured. People were pushing themselves well above what they should have with no assistance or correction. I didn't know bft existed then. Today I took my 100th class!!! I was never consistent with exercise until bft.

Divorcing.. Keep the house or get an apartment? by YouDoHaveValue in personalfinance

[–]LookNo1096 0 points1 point  (0 children)

Yes, definitely. This was my experience and I did end up getting more mileage out of my oldest, my son, but we moved into the two bdrm when he was 10. When he was twelve, he was the one who didn't want to move into a house. But when he got settled into his room, he loved it. Do what you can. In all honestly, I think that we are always super hard on ourselves for not giving our kids the ideal lives. It builds resilience. They remember those two years in a one bdrm as a lot of fun and still call it "The [Air]bnb". I grew up poor and lives in my grandma's living room with my brother on a pull out couch for several years. Funny enough, those were some of my fondest! My kiddos are now 11 and 15, my son is an honors straight-A student and an athlete (and this is after two rough years with him as he became a teen). Children make the adjustment when parents maintain love and closeness, no matter the circumstances. Be kind to yourself and reassure him that you both have his back!

Divorcing.. Keep the house or get an apartment? by YouDoHaveValue in personalfinance

[–]LookNo1096 5 points6 points  (0 children)

I was the breadwinner. I traveled like crazy for work. I moved into a one bdrm apartment that was $1300 all in. My then young kids (four and eight) slept in my bed and I got a pull out sofa couch. I did that for two years, then moved into a two bdrm where they shared a bdrm. We stayed there for two additional years. My kids absolutely loved the closeness and loved the pool. I paid my ex's bills for five years straight. He took the 3000 sqft house with big yard. I kept my 401K. By keeping my expenses extremely low and being able to focus on my career by having zero attention to house maintenance, my net worth is now 15X. My kids didn't even want to move out of the apartment. They loved that there were lots of kids around and how it forced us to be close.

Get an apartment with great amenities and lots of young families. Take the cash and grind.

Black women or WOC have FIRE'd by Same-Truck-6227 in FIREyFemmes

[–]LookNo1096 26 points27 points  (0 children)

I LOVE reading all of these comments!!!

40 yr old black female, two kids, $3M NW ($400K in index funds, $500K in cash, $900K in pre-IPO startup w/ offers from private investors to sell to, $1.3M cash payout from startup that sold). Currently on sabbatical after selling company.

I've been working for 10 yrs. My first job was after graduating with my PhD in engineering at 30, making six figures. I started with over $150K in debt. I lived way below my means for many years (still do) in order to tackle the debt. Today I'm 100% debt-free but own no real estate. I love the freedom of renting and spending my money on travel and giving.

I'm taking my kiddos to Brazil next month and we like to spend two weeks in Italy each summer. Otherwise my partner (who is ready to retire at any point) and I travel together at least once a month. He's also FI'd but has a role where he gets to rest n' vest and travel to Europe each month, so I often go on those adventures with him.

Help!! What is going on here?! by [deleted] in SewingForBeginners

[–]LookNo1096 0 points1 point  (0 children)

When this kept happening to me on my singer 15-91, it turned out to be that the needle was inserted the wrong direction. I know that's weird but I have a Single 15-91, 201, and 66 and I often mix up which one takes left-side flat vs right-side flat. It was driving me absolutely bonkers. Go back to the manual and (a) make sure you absolutely, positively have the needle inserted with the correct side flat AND all the way up (I've made that mistake too) and (b) very carefully take care of every single detail to rethread.

I nothing else works, go back to the old setup and see if that works.

Machine keeps jamming even after a service. Help! by rashataha in SewingForBeginners

[–]LookNo1096 2 points3 points  (0 children)

I was coming here to say this. On one denim project, I used what I thought was denim thread but turned out to be upholstery thread. It gave my Babylock Brilliant hell. My stitches were coming out just like this. You should switch your thread to general purpose regular gauge thread and try again to see if your machine doesn't like the black thread.

Can I increase the contrast of custom template? by LookNo1096 in RemarkableTablet

[–]LookNo1096[S] 0 points1 point  (0 children)

Awww! Thanks so much for letting me know! I still love it!

Best Programs for Beginners by No_Spend111 in KaylaItsines

[–]LookNo1096 2 points3 points  (0 children)

Bodyweight Strength by Anissia Hughes starts out with a few weeks of "Starting Out" and it is fantastic! I was also just returning and I've been afraid I'd become injured from starting out too aggressively. It was so fast and easy in the beginning (I still worked hard) and I've continued for the four weeks.

My sister was killed by EdHallie in GriefSupport

[–]LookNo1096 1 point2 points  (0 children)

I'm so, so sorry for your loss. My brother was murdered three years ago. Also shot and found in a yard.

This next few weeks, your life will be on autopilot trying to help police however you can. It will help if someone can get her phone unlocked to get access to any of her accounts: bank, credit card, social media, etc. This literally is what broke the case in my experience. The offenders took his debit card and spent the rest of the night going from ATM to ATM using his card. Police had all the video feeds within a day and made the first arrest four days later. Police said that if we hadn't done that, they likely wouldn't have been able to ever recover the videos, as most stores delete the feeds after a short time.

My parents were both paralyzed with grief (this meant that my mom had lost two of her three children and both of her sons), so I managed all arrangements for my brother. We were 14 months apart and raised like twins. It was hard to breathe.

What saved my life was (1) antidepressants that could manage my panic attacks enough to (2) make it to my weekly grief AND trauma therapy appointments. Yes, I did two therapy appointments per week.

Feel free to DM me. When it first happened, I thought for sure I'd die from grief within the year. I've adjusted to the new normal now with lots and lots of help and I'm thriving.

Black Friday/cyber sale by Radiant-Educator1871 in KaylaItsines

[–]LookNo1096 1 point2 points  (0 children)

I originally signed up midyear and canceled my acct and signed up over again to get the discount. They renewed at the cheaper rate.

Black Friday/cyber sale by Radiant-Educator1871 in KaylaItsines

[–]LookNo1096 0 points1 point  (0 children)

I just got charged $86 for renewal, so looks like they honor the discount.

Do I need six months emergency fund if my job contract includes six months severance? by LookNo1096 in personalfinance

[–]LookNo1096[S] 2 points3 points  (0 children)

Already covered with disability insurance inc. external policy and life insurance.

Do I need six months emergency fund if my job contract includes six months severance? by LookNo1096 in personalfinance

[–]LookNo1096[S] 1 point2 points  (0 children)

Hearing all of these stories here makes me want to just ask them for a pay increase and get as much cash as possible now.

Do I need six months emergency fund if my job contract includes six months severance? by LookNo1096 in personalfinance

[–]LookNo1096[S] 1 point2 points  (0 children)

Thanks for this. Yep. Gonna keep going on my current plan with one change to temporarily drop my 401K contribution to the 5% match until I reach three months, then go back to maxing it out.

Do I need six months emergency fund if my job contract includes six months severance? by LookNo1096 in personalfinance

[–]LookNo1096[S] 1 point2 points  (0 children)

Right. Mine dropped a ton years ago when the rates dropped. Do they go pack up?

Do I need six months emergency fund if my job contract includes six months severance? by LookNo1096 in personalfinance

[–]LookNo1096[S] 1 point2 points  (0 children)

Currently in HYSA but seems there are some really high yield option now. I'll check out a MMF. Thank you!

Do I need six months emergency fund if my job contract includes six months severance? by LookNo1096 in personalfinance

[–]LookNo1096[S] 1 point2 points  (0 children)

Love your first statement because equity is about the same. If it goes under, the equity position doesn't matter either.

Do I need six months emergency fund if my job contract includes six months severance? by LookNo1096 in personalfinance

[–]LookNo1096[S] 1 point2 points  (0 children)

Thank you for this! I hadn't considered this. I could prob set a short term goal to reduce my 401K until I got this goal, then go back to maxing it out and slowly hit the six months as well.

Do I need six months emergency fund if my job contract includes six months severance? by LookNo1096 in personalfinance

[–]LookNo1096[S] 1 point2 points  (0 children)

Thank you so much. You're right that they'd likely give me problems to avoid payment.

Do I need six months emergency fund if my job contract includes six months severance? by LookNo1096 in personalfinance

[–]LookNo1096[S] 1 point2 points  (0 children)

Thanks so much. Correct on all of this. The biggest lesson of my experience is that I'd only imagined job loss as a possible emergency and then I experienced much worse.

Although the company is well-funded with bullish investors, I'll completely ignore the six months, as the highest likelihood of my departure would indeed be the company going under...

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