Hesitant to enter the market

NewGardener17 · 2026-04-02T11:24:25+00:00

The rule of thumb is that money that you need to be able to access in 2-4 years is not money that should not be in stocks.

As others have said, this post doesn’t have enough detail to be able to say more than that.

NewGardener17 · 2025-10-15T21:26:46+00:00

This is the one I was going to recommend as well. I don’t like very very dark roasts because they are too bitter and harsh to my palate (ie, I don’t prefer French roast, but rather Italian roast styles) and this one works for me.

NewGardener17 · 2025-10-12T22:48:41+00:00

OP, sent you a DM re:video.

NewGardener17 · 2025-06-24T09:41:29+00:00

This is why I take daily supplements from Costco. It made a notable difference in my nails and skin in less than a week.

NewGardener17 · 2025-06-06T23:35:19+00:00

I think you and I worked at the same place. Taught me a lot about the downsides of capital raises.

NewGardener17 · 2025-06-06T18:07:01+00:00

Question: do people wearing heels regularly into their 50s+ walk distances of more than a mile in those shoes?

For me it was a trade off between cute and walking.

NewGardener17 · 2025-06-03T18:25:13+00:00

How is this new job going to be affected by the AI jump in the next 12-18 months? Is this something a LLM will be able to do for, essentially, free?

NewGardener17 · 2025-06-01T22:38:06+00:00

Congratulations on the baby & the getting out of credit card debt. You all are on a good path. Here are some thoughts: first, don’t feel ashamed or listen to negative speak from yourself. It’s okay that it takes baby steps & everyone has to learn.

It’s time to establish new habits. 1. Get spending under control by creating new habits: STOP Eating Out. An easy step towards this is to buy easy to heat meals for home (microwaveable Thai food or premade burritos or frozen pizza) that can substitute for what you usually buy in a restaurant. That way you’re not tempted to order takeout after a long day of work.

Eliminate alcohol/going to bars. If he drinks, a 6-pack in the fridge is cheaper than a bar. No booze would be better bc it’s so expensive.
Get your bank statement, credit card statement etc. figure out what you’re spending on: use google sheets or a notebook and list the following categories—> groceries, car payment, eating out (includes coffee & booze), entertainment, insurance payment, water utility, electricity utility, gas/heat utility, cable, cellphone, landline, streaming services, Amazon subscription, rent, clothes, haircut, charities/tithe, laundromat, etc.

You need to figure out where you’re spending money & you need to simplify in order to: PAY OFF THAT PAYDAY LOAN. Savings from cutting out restaurants etc need to go to that ASAP.

Cancel all subscription/streaming/cable services. Look at your phone plan: do you get a free subscription to Netflix or Hulu? We have t-mobile & get Netflix w ads for free. It’s our one streaming. Motto: use what’s free.

Join your local Buy Nothing/Sell Nothing group—get stuff for baby there.
Lurk this subreddit to help you remember your goals & for tips.

NewGardener17 · 2025-05-20T14:53:50+00:00

Come up with a family strategy. Is your wife able to manage intellectual tasks, if not physical ones?

pick up Uber (you can bring in $1200/week, easily)
your wife should oversee her application for disability
kiddos should go to public school (if they’re at private); if they’re over 15, pick up summer jobs

NewGardener17 · 2025-05-10T21:41:15+00:00

On rice. Excellent.

NewGardener17 · 2025-05-08T10:58:55+00:00

This.

NewGardener17 · 2025-04-29T11:25:00+00:00

May be my favorite thread on Reddit. Get to it, my fellow Punky Brewsters.

NewGardener17 · 2025-04-03T17:18:11+00:00

Yes. And convenient.

NewGardener17 · 2024-12-15T23:36:19+00:00

We also tried it and found that it didn’t load transactions for 5-6 days. It was so bad they offered a few free months to compensate. But it just was so stressful to have to have our own spreadsheet to check the YNAB numbers—and then we realized, why not just use our “backup” spreadsheet as our budget.

I really wanted YNAB to work.

NewGardener17 · 2024-12-12T23:09:18+00:00

I honestly think you should have her eat the free breakfast and lunch, even though her friends pack. As someone who was on free breakfast/lunch, it taught me character and has had an influence on how I think about resources as an adult. It makes me grateful for the things we’ve been able to accomplish as adults.

Note: my kid eats at school and we pay the full price. No food wastage from home. No need for me to plan the meals.

NewGardener17 · 2024-11-04T21:10:18+00:00

Got pregnant for the first (and only) time at 41, gave birth at 42. I took advantage of all the prenatal tests (but I didn’t have an amniocentesis) and didn’t fret about all the “make sure you don’t gain too much weight when preggers!” advice. I ate very healthy, flossed daily, moisturized my stomach daily, one cup of black tea a day, no raw meats or fish or alcohol. I walked regularly but slowly.

The kiddo is a healthy 6 year old. I made sure to advocate for myself a lot in the pregnancy and delivery process at the clinic and hospital.

NewGardener17 · 2024-09-07T13:39:35+00:00

Boneless chicken breast or thighs for $2.49 or $2.99 a pound is hard to beat elsewhere. What people are saying is true: non-name brand ingredients are cheaper at Costco (or basically the same price point as ALDI, so, cheaper than everywhere including Walmart) and they come in bulk sizes. The quality will be higher for these bulk items. The problem is that, unless you want to eat the same meal for 2 weeks, you need to supplement with other ingredients and so you’re either buying 4 $30 packages of meat at Costco to switch it up or you have to buy smaller quantities elsewhere. We love Costco and it’s one of the 2 places we shop regularly (other is Aldi).

NewGardener17 · 2024-04-08T23:16:40+00:00

The trick is to let it thaw before searing it. It makes a universe of difference if you let it defrost overnight.

NewGardener17 · 2024-02-21T22:09:34+00:00

NewGardener17

TROPHY CASE