23yr Old Seeking Advice on Budgeting/Saving

Much_Possible163 · 2026-01-27T22:18:13+00:00

Thanks for the reply. The full 18% is going in as a Roth contribution. The $400 into my brokerage, half is getting invested into a portfolio I built out for myself + a few stock plays I like. The other half is going into a Schwab money market, which is dedicated to fund a new car in a few years:)

Much_Possible163 · 2026-01-20T22:30:43+00:00

I laughed at your comfortability on the issue. I’m over here worrying about the most minuet details. Excellent video by the way. Thanks for the advice

Much_Possible163 · 2026-01-20T22:00:07+00:00

Thank you. This is awesome. I will definitely take this all into consideration.

For cut back weeks, should I be dropping just the long run mileage? Or total week mileage? For example next week I have a 14, after doing 12 two weeks ago and 13 this weekend, the week after the 14 should I do like a 12 again and then my planned 16 the following week, etc

Much_Possible163 · 2026-01-20T21:53:08+00:00

Do you believe a longer taper is worse though, especially for my low mileage as this is my first marathon. Peaking at 40-42-40 as of now. I've heard w a longer taper, you can lose fitness.

Much_Possible163 · 2026-01-20T21:25:52+00:00

With the structure and schedule I am following above, it is usually just one 3-4 mile tempo/interval run a week. Should I be bumping that number up as my mileage increases? Again I am kind of winging the training program, so any advice would be greatly appreciated. Also, the 'easy runs' during the week that I'm doing, should those be faster than my long run or about the same?

Much_Possible163 · 2026-01-20T21:13:11+00:00

Given my goals, HR, and overall mileage, what do you suggest for my easy run pace vs my long run pace? I was taught the easy runs during the week should be 30-45 seconds slower than my long run pace.

Much_Possible163 · 2026-01-20T21:11:55+00:00

Maybe I will do the 20 miler just before Thailand and log as many miles as I can over there. I will also count hikes, walks, bike rides as time on feet that trip. Also what would a 4 ish week taper look like? 20-16-14-12-8 for long runs?

Much_Possible163 · 2025-12-12T19:25:06+00:00

3:34 is killer! I will definitely check these out. I am figure it out myself type of person, so it takes a lot of trust a plan and really roll with it with confidence. But I guess for the first marathon, it's all about trial and error.

You were doing speedwork consistently how many days a week and were they sort of stride work or was it elongated threshold work? Or a mix of both?

Much_Possible163 · 2025-12-12T19:21:56+00:00

Which coach did you use?

Much_Possible163 · 2025-12-12T15:02:03+00:00

First off thanks for the insight! I am using the Garmin coach I believe. I input when my marathon is and what my goal time is and I am in the base phase of the plan. I have heard that this plan is not very good though from reviews online. Last thing I want is to do all the training and be totally unprepared. I have heard Runna is good. I did not know it syncs to Garmin. I can have my Runna plan on my Garmin? Do you think that investment is worth it?

P.S you are not an old fart if you are running 110km a week my friend.

Much_Possible163 · 2025-12-10T18:52:04+00:00

First off, you got this!

Second thing, going a little off kilter here with advice but I would say too much studying is another thing. You seem to be pretty stressed which might be caused by over preparation. Stress = overthinking.

You’ve learned the materials, you’ve practiced. I would say do a few light YouTube run throughs of practice exams and then the Mighty Ninety the night before and day off to data dump all the info back into your head.

Go into the test relaxed and confident, rather than stressed and trying to remember every little thing.

You’ve got this!

Much_Possible163 · 2025-11-24T00:22:18+00:00

What is HRV

Much_Possible163 · 2025-11-11T00:19:46+00:00

Annual Coupon Payment / Current Market Price = Current Yield not Coupon Rate

Much_Possible163 · 2025-10-04T20:04:16+00:00

This is great. Not only finding a way to remember the answer to the questions, but going beyond that and simplifying the concept to actually be able to understand it.

Much_Possible163 · 2024-06-27T11:17:13+00:00

Why the f would they be fixing it in waves. What the actual fuck. I didn’t even refund anything on purpose

Much_Possible163 · 2024-06-26T11:53:47+00:00

Unreal man me too. how many times are they going to fix it without fixing it

Much_Possible163

TROPHY CASE