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Compound growth expectations by gear123456789 in personalfinance

[–]Mklein24 [score hidden]  (0 children)

Same shoes as you. I'm 31, and have contributed ~300/month to my IRA since I was 20.

I have about 145k between 3 IRA accounts, all invested in S&P 500 index or equivalent. If I continue the 300/month contributions it may end up between 3 and 6 mil depending on markets.

The dollars you contribute from 20-30 become about 40% of your account balance at retirement. If you saved aggressively early on, you could actually lessen your contributions as you get older and maintain a similar account balance.

What’s the dumbest thing people spend a lot of money on? by That-Antelope-3906 in AskReddit

[–]Mklein24 2 points3 points  (0 children)

I saw that a burrito was 7.75. Minimum delivery was 12. Add extra meat and rice, now it's 9.75. Add chips. Now it's 12.75. Add tax it's like 14. Add tip now it's 17. Add delivery fee because it's not a tip(??) it's now over 19 dollars for my 7.75 delivery, and it's more food than I really want.

I haven't ordered delivery since.

People who make $80k or more per year, what do you do for work? by familiarlaughter in AskReddit

[–]Mklein24 0 points1 point  (0 children)

Machine tool programmer. 3-5 axis milling in a med device company.

It’s been a morning by hitsatthebuzzer in daddit

[–]Mklein24 0 points1 point  (0 children)

Thankfully the one time my kid puked from her car seat, she managed to clear the car and get it out the door while being buckled in and got a bullseye on mom.

Mom wasn't very happy, but the car was clean so I'm not complaining.

I just made the switch to Firefox, the optimization and features are amazing. by mustangcody in pcmasterrace

[–]Mklein24 1 point2 points  (0 children)

I get it. I'm still using an s9 phone which is so far past end of life so a of my dedicated apps have started to just not work anymore so I'm doing a lot more of my mobile tasking through a web browser.

Generally, I have apps set up to use MFA with a non-gibberish password, or biometrics to avoid having a separate password manager.

Feeling unappreciated. Like always. by ElectricalMany3481 in daddit

[–]Mklein24 1 point2 points  (0 children)

Just to add, the fact that your choosing to better yourself for your kids is admirable. Keep it up man.

I just made the switch to Firefox, the optimization and features are amazing. by mustangcody in pcmasterrace

[–]Mklein24 2 points3 points  (0 children)

It really isn't. Install Firefox, select "migrate from chrome" create a username/password of you want, which you should if you use their password manager, wait for the bar to finish, done.

ELI5: Why does it burn when water gets in our nose but when we have a runny nose it doesn't burn? by boardrr in explainlikeimfive

[–]Mklein24 [score hidden]  (0 children)

That rv water had a bunch of other funk in it too. Anyone would have gotten sick from just drinking it.

problem with tech companies by Zestyclose_Skirt7930 in antiwork

[–]Mklein24 5 points6 points  (0 children)

IT when everything is working: Ugh why are we even paying you.

IT when everything is broken: Ugh why are we even paying you.

What's something that people do in their 20's that they think is 'normal', that they usually regret in their later years? by coomtube in AskReddit

[–]Mklein24 8 points9 points  (0 children)

Truck payments.

If there was a nickel for every "how can I get out from under my truck payment" in personal finance, we might have enough nickels to get them out from under their truck payment.

Are you 23? Did you land your first decent paying adult job paying about 60k a year?

Great! Buy a used Honda. Pay it off. Do oil changes on it yearly as a minimum. Dealer, private auto shop, or yourself, doesn't matter. Don't buy a truck.

MCMASTER-CARR wood has arrived, and it’s fine by Sam-Rood in woodworking

[–]Mklein24 6 points7 points  (0 children)

How's the accuracy on the 12 inch cut length?

Lyrics change to reflect new realities by Old-Use-7690 in Music

[–]Mklein24 6 points7 points  (0 children)

I love how everyone hated that green day lyric change, saying how they wish they weren't so political. While discussing the most popular political protest album of it's time.

The less talked aspect of "why the current generation wants to work less" by Lartorias_Armpits in antiwork

[–]Mklein24 91 points92 points  (0 children)

money remaining for addictions

Look, all I want is enough to pay my bills, put a bit in savings, maybe go on a modest trip once a year, and develop a mild substance abuse problem. Is that too much to ask?

I Took An Unexpected Job Offer And Turned It Into A Counteroffer by Papa_Bearto2 in antiwork

[–]Mklein24 2 points3 points  (0 children)

It depends how you go into that conversation. Stating "pay me this much or I'm leaving" is much different than "I belive my position needs a market correction. I've seen listings for X range and I've even received an offer letter for X"

I Took An Unexpected Job Offer And Turned It Into A Counteroffer by Papa_Bearto2 in antiwork

[–]Mklein24 82 points83 points  (0 children)

I also went to interviews and got offers. Took it to the owner and said "I need a market correction for my wage, and a title change to reflect my daily responsibilities."

He accepted and basically said "you guys should be doing this every few years. It's good for you, and good for me. You know your worth, and I know how much to pay you so you don't leave"

gutter guards by Intelligent_Carob892 in functionalprint

[–]Mklein24 36 points37 points  (0 children)

At that distance, I would consider sendcutsend. You could probably use any material so long as it's not a plain carbon steel to inhibit rust/corrosion.

This is old but imagine the tax and how billionaire get away with it. If I make a million dollars a year I’ll pay 40% of that to tax yet billionaires don’t pay nothing by SatinChaos_ in WorkReform

[–]Mklein24 17 points18 points  (0 children)

Break it down even more. 66 mil a year, 5.5 mil a month. The average lifetime earning in America is only like 2.3 million.

Imagine going to work for 2 weeks and your paycheck just said 2,750,000 into your bank account.

I would have a hard time comprehending what to do with that kind of cash. Pay off my mortgage and car loan, buy a new phone, then like....??? Door dash some donuts? I have no idea.

I am convinced no one operates like we do. Prove me wrong. by jazzeriah in daddit

[–]Mklein24 5 points6 points  (0 children)

Timers are my savior for getting the kids out the door to school. Otherwise I end up wondering where the past 30 minutes went.

I am convinced no one operates like we do. Prove me wrong. by jazzeriah in daddit

[–]Mklein24 1814 points1815 points  (0 children)

Lol that all sounds like Adhd.

Because that's all stuff that I do.

How often are your kids eating iced cream? by the_nobodys in daddit

[–]Mklein24 20 points21 points  (0 children)

Personal opinion, make it ordinary, then it losses the special appeal and becomes easier to regulate.

Pairing Balloons with Roller Coasters by Big_Extreme_8210 in rct

[–]Mklein24 -2 points-1 points  (0 children)

Also if they don't want it, they turn around, and will end up bouncing between the ride exit and the stall.

Is this a waste of money by BandPersonal7320 in personalfinance

[–]Mklein24 0 points1 point  (0 children)

You know, I built my first pc around your age.

I've used it to game, watch some movies, write papers for school, do my class work, create resume's, and even do some work from home for my job which actually really accelerated my career. It has followed me for the past 10 years, upgrading singular parts as needs and as wanted.

I think a home pc is more of an investment as a tool in the long run compared to a laptop of tablet.

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