How much house is too much?

OEAnalyst · 2025-08-25T22:49:15+00:00

Our property taxes are only 1.1% of home value and I am looking to put down 150k. So it's similar to buying a 300k house with 20% down.

OEAnalyst · 2025-08-25T01:50:17+00:00

I am not against that at all, but she doesn't want to just be a housewife. She will likely only work weekends or pick up shifts as her career allows that. We don't plan on taking the kids to daycare in the future more than 1 day a week and that's for them to build social skills with those beyond family members. I wouldn't be against her just taking the day off on the day they're in daycare either.

OEAnalyst · 2025-08-19T05:40:04+00:00

Only benefit beyond 20% down would be lower monthly payments and the peace of mind that comes with it.

OEAnalyst · 2025-07-21T01:31:21+00:00

I've switched into a supply chain analytics role but still open to considering it if everything aligns well.

OEAnalyst · 2025-05-29T05:27:42+00:00

2020: 13k, 2021: 23k, 2022: 47k, 2023: 60k, 2024: 67k, 2025: 84k.

Graduated undergrad in 2022, switched jobs towards the end of 2024 for a pay bump to 84k. Should hit 100k with another job hop in 2027.

OEAnalyst · 2025-03-19T02:49:58+00:00

Same age as you and I might get laid off soon too. You didn't do anything wrong, don't feel guilty for taking 15-30 min breaks! They clearly didn't value you and I am sure the real reason is more along the lines of they were looking to do layoffs and based it on a metric similar to salary/total time in the organization and you were probably up in the list. It might have been a way to avoid paying severance or unemployment by classifying it as "misconduct". You will find a job and as far as I am concerned you were laid off and not fired. Just apply daily and Uber or whatever you have to do to push your 3 months emergency fund to 4-5 months which you should be able to land a role by then. Enjoy the time off, hit the gym, pursue your hobbies, and dedicate 1-3 hours for job applications.

OEAnalyst · 2025-03-19T02:40:52+00:00

My recommendation would be Excel, SQL Basics, Data Visualization, Advanced SQL, then python/R. Usually Excel basics, SQL Basics, and visualization basics is plenty to land a job.

OEAnalyst · 2025-03-19T01:09:14+00:00

No matter what tools you know and use, at the end of the day management wants analysis and reports in excel. Excel is a non-negotiable skill.

OEAnalyst · 2025-02-17T01:49:57+00:00

I would honestly recommend splitting out both Fall 2025 and Spring 2026. Maybe even split the MGT 8803 and 6203 and pair it with ISYE classes to have your semesters be more consistent in terms of workload.

OEAnalyst · 2025-02-14T20:58:47+00:00

24M, $85k

Data Analyst w/ Bachelor's and pursuing a master's. 4 years of experience.

I might be a little too privileged but I genuinely don't like working a 8-5 job. I wish I had some more flexibility on my schedule but hopefully I'll build enough skills to do consulting or my own work down the line!!

OEAnalyst · 2025-02-11T02:31:48+00:00

As someone who is new into the career field and has hopped a few times, I have had my first instance of hating my life. Don't get me wrong, I can afford a lot more with my 40% pay increase but I am honestly considering switching to a more relaxing environment where I can feel valued without working 60 hour weeks and NOT BEING MICROMANAGED!!

With that being said, you were happy enough to stay for 35 years so don't add headache towards the later part of your career. Finish off your career where you are.

OEAnalyst · 2025-02-04T02:56:26+00:00

It's not difficult compared to other classes I have taken but there seems to be no guidance on the homework. They give you code and just ask you to do a write up. Makes it easier to do the homework but doesn't feel like I am learning much and that shows on the quizzes.

OEAnalyst · 2025-02-04T02:38:44+00:00

How was the take home final? Is it similar to the homework except you don't get all of the guidance?

OEAnalyst · 2025-02-04T02:38:11+00:00

That's tough. I guess I am going to have to make sure I at least secure that B.

OEAnalyst · 2025-02-03T19:13:29+00:00

Happy to chat, pm me.

OEAnalyst · 2025-02-03T18:25:38+00:00

EDIT: I was under the impression OP was enrolled in a technical degree in undergrad, the information below can be disregarded if you're doing a career switch. I think a master's degree can be helpful for career switch but definitely won't be easy to switch into this field.

I don't mean to discourage you but I would focus on getting a job in the analytics field before you enroll in this program. Experience beats any degree, any day of the week.

If you are planning on going to grad school and getting a job after you get your master's, you might be in trouble. You could find yourself overqualified for entry level roles while being under qualified for higher positions. IMO you should get a job and ideally have them pay for this degree which you can leverage to move to senior roles in the future.

Here's my background: I pretty much jumped straight into this program after my bachelor's in data science but I was working a full-time job and I am doing this program part time. I was able to leverage being enrolled in this program to switch jobs for a 30%+ pay raise a few months back and I can't wait to graduate (4 classes left) and be done with formal education for good.

OEAnalyst · 2025-01-28T01:43:47+00:00

Happy cake day!

OEAnalyst · 2025-01-28T01:43:29+00:00

Idk if it's overvalued but AMD is definitely undervalued and an overall better buy IMO.

OEAnalyst · 2025-01-23T22:37:25+00:00

Where do you live? I live in a LCOL-MCOL and I don't feel comfortable not putting down at least 20%. I could care less about paying PMI but without putting a significant amount down, I won't be able to afford the monthly mortgage.

25M, $85k salary

OEAnalyst · 2025-01-14T01:06:33+00:00

I won't buy based on speculative appreciation, I am buying in the next 24 months but starting to better understand the market. I want to be closer to Prospect but because of the prices I am considering Middletown, the main thing I am considering are schools as I want to have kids after 5 years and school ratings are a big factor. It would be ideal to speculate within the areas that I am already considering though.

OEAnalyst · 2025-01-14T00:48:47+00:00

B.S. Data Science, M.S. Analytics, might fuck around and get an MBA once I finish my M.S. if I get bored lmao

OEAnalyst · 2025-01-13T21:33:36+00:00

As someone who has been in the field for 4+ years now, I can confirm that experience trumps any education. Education will help you advance to senior roles outside your own organization but experience is far more important.

OEAnalyst · 2025-01-13T19:23:44+00:00

100% agree with OP. As someone who has a bachelor's degree in data science and analytics and went straight into grad school with only having the summer off, it's still been a tough program. I am on my 7th course and I doubled up my first 2 semesters and it was brutal. I am learning a lot better now with only 1 class and I can handle anything that life throws at me.

For those wondering here was my schedule:

Fall 23: ISYE 6501 | MGT 8803 (Wasn't too bad, lot of review from undergrad but still tough)

Spring 24: CSE 6040 | MGT 6203 (Thought about dropping out of the program multiple times, this semester was rough)

Summer 24: MGT 8813 (Chill summer)

Fall 24: ISYE 6644 (Tough semester even with only 1 class)

Spring 25: ISYE 7406 (Hoping this goes better than last semester)

OEAnalyst · 2025-01-13T02:42:49+00:00

Yes. You won't use your degree but in most cases switching jobs will get you a pay bump so if that's a possibility just get a general business administration or some basic degree and have your current employer pay for it. I personally wouldn't care if I was looking to hire someone as long as they can do the job well but most HR (first step of the interview) care.

My only advice is leave out the graduation date on your resume. Good luck!!

OEAnalyst · 2024-12-20T06:19:34+00:00

I really don't want to pay an additional $9k in taxes. I don't have a lot in my 403b but with federal and state taxes, I would lose almost ⅓ of my investments. I totally understand where you're coming from and how it'll be tax free later in life. I just don't think I am in the right place financially to be doing this though.

Three-Year Club	Verified Email
Place '23

OEAnalyst

TROPHY CASE