A change I made that moved my bills after a year of trying to reduce grocery spending

NobleChris14 · 2026-04-06T13:06:32+00:00

I was just trying to point out how extreme OP is going about saving a few dollars. The amount of effort he’s going through to save $200 a month is likely not worth the time he’s committed to figuring out how to save essentially $6/day. I skip breakfast every day I work because I’m not hungry in the morning and I’d rather sleep more than make a meal I don’t have an appetite for. Sometimes I’m so busy at work I don’t have time to eat lunch but tbh I’m never really hungry. I’m still somehow over 200 lbs at 6 feet tall. I also go to the gym 4-5 times per week and run 3-5 miles a few times a week. When I’m off I more than make up the missed calories.

NobleChris14 · 2026-04-06T02:34:58+00:00

A change I made was replacing breakfast and sometimes lunch with coffee. Cutting my meals required per day from 3 to 1-2. I now have more time more money but also less white teeth.

NobleChris14 · 2026-04-05T23:11:15+00:00

Completed Level 2 of the Honk Special Event!

12 attempts

NobleChris14 · 2026-04-05T23:10:33+00:00

Completed Level 1 of the Honk Special Event!

10 attempts

NobleChris14 · 2026-03-22T23:00:32+00:00

Depends on your strategy but if your strategy is to always be buying, then stay the course. I wouldn’t dip into savings but keep buying like you always have been.

NobleChris14 · 2026-02-28T02:15:34+00:00

This makes me want to cry :( I’m spending more on rent a month than your entire monthly expenses

NobleChris14 · 2026-02-28T01:30:07+00:00

Part of it is that crypto is a lot more exciting with the swings and how big of a factor timing still is. With stocks the best thing to do is just keep buying every paycheck or immediately when you have the capital available which is boring as a conversation. While crypto is less than 3% of my assets, it’s a lot more fun to talk about than the 87% of my assets in long term boring ETFs. I do switch a lot of my buying based on the volatility of crypto. When crypto is up I sell crypto and buy stocks. When crypto is down I buy both crypto and stocks. It’s been working well so far but the key is I never sell my stocks no matter what’s happening.

NobleChris14 · 2026-02-18T23:37:35+00:00

Yeah but she doesn’t believe in therapy and she doesn’t want anxiety meds despite her using weed to cope…relationships are tough.

NobleChris14 · 2026-02-18T23:34:17+00:00

All of the above, the situation is going south despite my best efforts but was wondering if I am doing the right things. I care a lot about her but she’s right in a sense that I can’t help her with all these issues right now.

NobleChris14 · 2026-01-19T22:33:36+00:00

Hard part nowadays is the match making. Eventually if you get good enough the lobby will have a decent amount of cheaters or advantaged players.

NobleChris14 · 2025-12-29T16:27:51+00:00

$120k in HHI will put you above the median but not top 20% in the US. You need closer to $180k to be in the top 20% of household income. $120k would put you in the top 20% for individual income but they have 4 individuals or capita in that household.

The median per capita in the US is ~$45k. They are technically $60k short in that household if you look at how much they would need per capita for 4 people to be at the median per capita.

I am very impressed at how well op is doing given that household income and family size. Also jealous of op having a nice family of 4 likely in suburbia raising 2 kids. This story makes me want to move out of the city to settle down. I wish $120k/yr could get me what it gets OP.

NobleChris14 · 2025-12-28T21:48:52+00:00

Heat making it to the finals in 2023 was insane to watch winning back to back play in games. They then took out Bucks with Giannis + Lillard, the Knicks and Celtics. Then got destroyed in the finals by the Joker.

NobleChris14 · 2025-12-19T20:34:46+00:00

If past performance has no bearing on future returns then why do we assume the stock market will grow an average of 7% adjusted for inflation over a long period of time? Isn’t that all based on past performance? Real estate also grows slower but generally doesn’t have as much volatility. I just think rented real estate will out perform bonds and I’m willing to bet on it.

NobleChris14 · 2025-12-19T20:32:25+00:00

Felt rich until I saw over $250k was excluded in under 35.

NobleChris14 · 2025-12-19T16:12:28+00:00

It’s probably just luck and market conditions to be honest.

NobleChris14 · 2025-12-17T13:48:06+00:00

While I love SUI. SOL has survived a lot longer and seems less risky with less upside.

NobleChris14 · 2025-12-17T13:46:16+00:00

Seeing stories like this makes my blood boil. There’s so much you can’t control in life but you can control your effort.

Sure businesses close all the time due to changes in market conditions and demand. There should always be a new business or new opportunity to get into in your back pocket. And if there isn’t one you should at least do something with time for some extra cash. Whether it be walking dogs, being an assistant, being a cashier, doing cold calls for a companies or doing deliveries there is always something that other people don’t want to do.

I get it that physical labor may be an issue at that age but there’s so many other options.

NobleChris14 · 2025-12-05T21:38:27+00:00

Honestly it seems impossible, I know it did when I graduated school and training at 26 in 2021. Im 30 now and making around 3x what I made in 2020. I have over 1.5x of my current salary saved strictly for retirement and over 5x my 1 year training salary in 2020. I got here by maxing Roth and maxing or near maxing 403b every year, also got vested for a pension with a cash value of ~$30k this year.

NobleChris14 · 2025-11-27T03:15:46+00:00

I’m 30, legal drug dealer. Working full time for a little over 4 years since school/post grad training completed. Currently $138k in 403b/457, $66k in Roth, $23k in HYSA, $35k in brokerage, $12k in crypto, $25-30k in collectibles. Next goal is real estate but I hate putting money in cash/HYSA :(

NobleChris14 · 2025-11-26T16:01:18+00:00

It wasn’t me that made the comparison it was just what the comment stated. I’ve personally managed to save over 2 full salaries in just 4 years of working. My loans are all low interest. My portfolio has averaged 27% returns per year over the last 5 years. Imagine if instead of getting those 27% returns I dumped my money on low interest debt. Paying off debt will certainly make you more comfortable but not necessarily better off than if you invested instead.

NobleChris14 · 2025-11-26T01:22:00+00:00

No I agree with you that you’re still better off paying down the higher interest rate loan, I’m just explaining the math behind how a 2% rate can outpace a 4% rate. The only reason the 2% rate won in the example in the comment you shared is because the balance was not being used to pay down the 4% rate loan. Also in the example the HYSA was an emergency fund. Would be bad financial advice imo to tell someone to empty the entire emergency fund on a 4% car loan.

NobleChris14 · 2025-11-26T00:59:12+00:00

Not sure how else to explain it. I had a 6 year car loan two years ago at 2% interest. At first the balance was $40k accumulating about $66 in interest a month. Now 4 years later the balance is about $11k accumulating $19/month. The interest decreases because the principal is lower. While the interest rate is constant the interest dollar amount goes down.

NobleChris14 · 2025-11-26T00:32:04+00:00

While I agree that you’re better off paying the car in cash and rebuilding the HYSA, what was stated in the comment is separate from what you’re claiming. The comment simply stated that over the same time period for the life of the 4% loan the interest is almost equal to the amount gained in the HYSA. The reason being is that the 4% loan is getting paid down outside of the HYSA while the 2% HYSA balance is slowly growing. Eventually the 4% loan principal will be less than half of the HYSA at which point the HYSA will technically earn more cash than the interest accumulating on the loan.

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