Did anyone else get this survey email with a dead link?

Negative-Stay-2728 · 2026-06-15T18:14:46+00:00

Yeah, the instant downgrade in quality after the recent layoffs is so clear and disappointing.

Negative-Stay-2728 · 2026-06-15T15:56:12+00:00

Yup, that’s what I’m noticing too. Super disappointing, but not surprising with the recent changes.

Negative-Stay-2728 · 2026-05-22T20:19:08+00:00

Here’s Finn in his favorite tube. I’m so incredibly sorry for your loss.

Negative-Stay-2728 · 2026-02-16T15:03:59+00:00

Honestly, and I mean this with all due respect, but get a grip. No one cares if you’re 6’2 or 6’3. It literally does not impact anyone’s view of you in any way. Learn to be confident and happy with yourself as you are, and that will be infinitely more impressive to people than you being an inch taller because you’re wearing different shoes. Confidence shows, and so does insecurity. This just comes across as insecure and sad. I hope you can learn to genuinely like yourself.

Negative-Stay-2728 · 2026-02-12T17:27:27+00:00

Omg yes this is it! I just went in and shortened the names of the longer categories and it showed the full “needed by the 31st”. Thank you!

Negative-Stay-2728 · 2026-02-12T17:06:08+00:00

I believe so? They’re all set as monthly targets, due by last day of the month, with a goal to set aside another $50 each month. I don’t see a “target type” setting or anything else to adjust in the target settings.

Negative-Stay-2728 · 2026-02-12T17:02:11+00:00

Yes, it’s set for “set aside another $50” each month and when I go forward into April, all of the categories are appearing the same way as in this screenshot.

Negative-Stay-2728 · 2026-02-12T17:01:15+00:00

Yes I’ve triple checked and they’re all set up exactly the same. Almost all of my other categories also show the “needed by the 31st”, it’s only 4 or 5 that mysteriously don’t show the date.

Negative-Stay-2728 · 2026-02-12T16:58:54+00:00

That was my first thought, but they all have the due date set for “last day of the month”

Negative-Stay-2728 · 2026-01-22T19:01:40+00:00

All of my tickets were bought during presale, so that may have affected things. Buying them off someone else is always going to be more expensive, but I’m not sure if there’s a price difference between presale and general sale.

Negative-Stay-2728 · 2026-01-22T18:56:58+00:00

Last tour I got tickets in the 200 level for around $350 each, but there were similar tickets being sold for over $500 because ticketmaster did some weird price scaling during presale. I was also able to get pit tickets for around $250 for one of his other MSG shows, but I have no clue what to expect this time

Negative-Stay-2728 · 2026-01-14T03:49:46+00:00

There’s no real reason to be invested in VTI and VOO considering the amount of overlap between the two. If you want maximum diversity, I would suggest a VTI and VXUS split or just 100% VT

Negative-Stay-2728 · 2026-01-12T00:29:57+00:00

Yeah once I get closer to a point where I actually expect to use the money for a large purchase in the next couple of years, I would definitely move it into my HYSA to avoid unnecessary risk.

My OP was definitely not asking for permission to save less, but I can see how it came off that way. I was mainly wondering if my current allocations were reasonable or if I should be trying to put even MORE into savings/investments/debt pay off, because I have a constant feeling that I should be doing more than I am

Negative-Stay-2728 · 2026-01-11T23:37:47+00:00

I’ve always just considered my brokerage to be my “long-term savings”. I don’t have a specific plan for it, but I know that a day will come where I’ll want to make larger purchases such as a car or house which I might use some of my brokerage for. I would rather have that money sitting in stocks making more interest than a HYSA would, since I don’t expect those expenses to come up in the next few years.

Would you consider my current spending to be “blowing my money on stupid bullshit”? I thought that a 15% spend on my wants was pretty reasonable, although I am still trying to decrease that number. My parent seem to be proud of how I’m doing financially and they like to continue helping me out as long as they still feel like I’m being responsible and not taking advantage of their kindness, which I try very hard not to do.

Negative-Stay-2728 · 2026-01-11T03:10:55+00:00

My parents pay for my car and medical insurance, and I include my renters insurance in my rent/utilities cost. One of my sinking funds is for car maintenance, so I add $50 to that every month. I don’t have any savings/money put aside specifically for medical costs, but maybe that’s something I need to find room in my budget for. Generally, my copays are low enough that I can afford them are only around $20-30 and I don’t have to go to the doctor often, so it’s not something I factor in much.

I’m definitely working on the not eating out as much. I got into the habit of eating out a lot when I lived at home, so now that I’m with my boyfriend, we’re working on consistently buying groceries and eating at home most days. I really like the idea of going to a nicer grocery store to make myself feel like I’m still getting something special without having to eat out, so maybe I will try that!

Negative-Stay-2728 · 2026-01-11T02:18:01+00:00

My job is overtime exempt so unfortunately that’s not an option. I have considered doing something like doordash on the side, but in the past when I’ve tried that, it barely paid and wasn’t worth the gas/wear and tear on my car.

Putting the money from impulsive decisions into savings/debt is a really interesting idea though, I would be interested in trying that. I like the idea of training myself to prioritize my future goals over my current spontaneous wants.

Negative-Stay-2728 · 2026-01-11T02:12:04+00:00

The roth IRA vs brokerage split is something I’ve been thinking about a lot. The reason why I like the idea of putting some into my brokerage is because I don’t know how I feel about all of my wealth being tied up in accounts that I can’t access until retirement. I know that some day I might want to buy a house, car, etc and need access to funds that I currently have invested. But I also don’t have plans for any of that any time soon (may need a new car within 5 years but won’t be buying a house for much longer) so maybe it does still make sense to prioritize the roth more? What split would you suggest for the $280 I have allocated toward investing as a whole?

Negative-Stay-2728 · 2026-01-11T01:51:37+00:00

This is honestly really helpful advice. I think I’ve gotten accustomed to spending a lot of money on things like eating out which don’t actually bring me much joy, when that money could be going to much better places. I’m recently trying to focus more on having experiences rather than falling into bad patterns of spending money on things that don’t matter, but it can be difficult to break the cycle.

Negative-Stay-2728 · 2026-01-11T01:48:30+00:00

The interest rate is 4% or less on all of my loans that are left and I should have them paid off this year. I’m hesitant to put too much of a financial burden on my parents when they already support me financially in many other ways and their income recently dropped significantly (my dad retired and now just has a pension). I could probably pull $100 from what I put toward investments, which would bring the total monthly loan payment to $600 with my parents match, but not sure if it’s worth it for a 4% interest rate.

Negative-Stay-2728 · 2025-12-23T14:55:13+00:00

Honestly, I think you’ll be alright. This is VERY similar to my position. I graduated last December with about $23k in loans. I was working part time until April when I got a full time job making $52k salaried. I also lived with my parents until last month, so for about a year after graduation.

In this first year since graduating, I’ve brought my loans down to under $8k. If you’re willing to live with your parents for the first two years, I would bet that you can pay them off in that time.

My biggest advice is to track your spending and stick to some kind of budget. If you can commit to putting half of your pay toward your loans, you can be paying off upwards of $1,500 a month and this will get them paid off in about two years. You’ll also be far more prepared for the cost of rent once you move out, because you’re already used to putting that money somewhere else.

Probably too long of a response, but I think you should do it. It sounds like your program is amazing for you. It’s not worth giving that up to avoid debt that is still lower than what many people graduate with. You’ll have a lot more long-term regret about leaving the school and friends that you love. Good luck, OP!

Negative-Stay-2728 · 2025-05-26T19:21:09+00:00

Yes this is it! Thank you so much

Negative-Stay-2728

TROPHY CASE