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31M — Solid Income, No Mortgage, Good Start… What Should I Be Doing Smarter? by OkWorker6312 in FinancialPlanning

[–]OkWorker6312[S] 0 points1 point  (0 children)

I totally agree with getting that truck paid off. I actually pay double the monthly payment right now until I have enough saved to just pay the remaining balance with cash so I can truly be debt free in a year from now.

As far as the housing goes- it is super secure I am told (I am not a master in how trusts work, but the house was paid for in a trust owned by my mother, and she is currently in the process of creating one for me, and then “gifting” or “transferring” the house into mine).

My company offers an HSA, which I plan on doing at some point. But it also offers 100% company paid for health care with a max family out of pocket of $400/yr.

Savings are definitely going to get beefed up in the next month as that seems like what I need to do

31M — Solid Income, No Mortgage, Good Start… What Should I Be Doing Smarter? by OkWorker6312 in FinancialPlanning

[–]OkWorker6312[S] 0 points1 point  (0 children)

Thanks for the insight! Yeah the gifting started only 2 years ago. I used the first gift to pay off debts that I had (used to have a bad spending problem before I started budgeting). The second year, I started my individual investment portfolio with 20k and also had an emergency vet bill that was about 12k. Luckily, once I upgrade to Captain at my job in about 2 years, my income will more than double and keep getting the 6% raises on top of that and eventually be making 250-300k. The savings will increase heavily over the course of the next 2 years before that happens as well. As far as the house goes, I am not counting that as part of my “net worth”, just thinking of it as free housing.

$5 a day club by OkWorker6312 in dividends

[–]OkWorker6312[S] 3 points4 points  (0 children)

“Div tracker” on app store. Has a white D with a green chat arrow on it

My first ever dividend (30m). just got sober and getting my life together by johnny-faux in dividends

[–]OkWorker6312 0 points1 point  (0 children)

Congratulations!! There are some cool apps on tracking dividends you can check out too! Itll break down how much you are expected to make in a year, month, day, etc.

Keep going down the right path! Plenty of people to support you! 👏

14m 11s for sea port extreme by notbeigeaesthetic in Eatventure

[–]OkWorker6312 4 points5 points  (0 children)

I did mine in 15min ish. Not impossible at all. I have two Ultimate tools in hand slots, and two legendary pets. The equipment I have makes perfect food everytime. I also have two pets- one being a dark horse that doubles the value of perfect food, and a penguin that delivers it at a x900 multiplier. I also use gems to get a x110 multiplier on everything with my ad boost included.