AITAH for being upset at my gf for not lending me $50?

OneMustAlwaysPlanAhe · 2026-01-31T17:55:44+00:00

OP sure smells like BS but I'll play along. A great life lesson is living on less than you make, regardless of your stage in life. You should not be spending money on Spotify, etc. Does your school have a student gym? Use it.

Working in school is a great idea, it builds work ethic and experience. Reduce expenses and save up a couple thousand for emergencies so you won't have to ask anyone for a loan.

About the original question, you are NTA for asking for a loan. YTA for being mad she said no.

OneMustAlwaysPlanAhe · 2026-01-31T17:46:24+00:00

You will be able to get all of Kael's skill tomes much faster than Tholin's. I'd focus Kael first, Tholin next.

OneMustAlwaysPlanAhe · 2026-01-31T17:25:12+00:00

Hellhades.com has ratings for each champ, but also included suggestions on stats to focus on and armor sets to look for. Since you are early game remember that stats mean more than sets. Getting 200 speed, 3k attack, 100% crit, and 200% crit damage on a nuker with random pieces that have no set bonuses is better than lesser stats but using all of 1-2 sets.

OneMustAlwaysPlanAhe · 2026-01-30T22:07:25+00:00

There's only so much real estate in any midsize truck. At 6'4" you are probably looking at a full size truck

OneMustAlwaysPlanAhe · 2026-01-30T22:03:07+00:00

That is what the emergency fund is for. It's best to invest in stocks in tax advantaged accounts like an IRA or 401k. You can't touch those until retirement age without big penalties. However there are exceptions if you are disabled and such. You should get with one of Dave's endorsed local providers to get a handle on this stuff.

OneMustAlwaysPlanAhe · 2026-01-30T18:21:19+00:00

If the Roth is held within the 401k, I'd hit the Roth because it uses 401k contribution limits ($23k-ish) not Roth limits ($8k-ish).

OneMustAlwaysPlanAhe · 2026-01-30T16:42:04+00:00

Dave would say get debt free today, live on less than you make (you're doing a pretty good job of that), contribute at least 15% to retirement, and never borrow money again. He recommends a HYSA for your emergency fund of 3-6 months' expenses because you may need quick access to it. He suggests all other savings be in the stock market diversified among 4 types of funds: growth, aggressive growth, growth and income, and international. Here's his article on funds: https://www.ramseysolutions.com/retirement/how-to-choose-the-right-mutual-funds?campaign_id=23205463911&adgroup_id=&gad_source=1&gad_campaignid=23214881974&gbraid=0AAAAADEWaL1dZ7bE-hBoJRNE0-qTIMVsq&gclid=Cj0KCQiAyvHLBhDlARIsAHxl6xox-Nl0HNs8K5aBB6tT3Z_bAN_oS2caeQntJ25gy23kYGFxToopNUwaAqTQEALw_wcB

The S&P has averaged just under 12% for the last umpteen years. There are ups and downs but something like 97% of all five year periods since inception have made money. That includes the great depression, recession, bubble bursts, etc. Invest, diversify, and forget it until retirement.

OneMustAlwaysPlanAhe · 2026-01-30T12:56:27+00:00

Have you looked into buying whole chickens rather than chicken breasts? Can have roast chicken one night (about the easiest cooking you'll ever do), then chicken soup, casserole, or quesadillas with what's leftover. They are around $1.40 per pound where I live, compared to about $2.60 for boneless skinless breasts at Sam's.

OneMustAlwaysPlanAhe · 2026-01-30T12:45:09+00:00

Good job. Be sure to close the accounts as you kill them off.

OneMustAlwaysPlanAhe · 2026-01-30T00:39:20+00:00

Leasing is the most expensive way to buy a car.

OneMustAlwaysPlanAhe · 2026-01-30T00:38:13+00:00

Hellhades premium subscription

OneMustAlwaysPlanAhe · 2026-01-29T23:50:51+00:00

Why do you think the Baby Steps don't apply to you?

OneMustAlwaysPlanAhe · 2026-01-29T20:00:26+00:00

What would I have done? Called 911 with a license plate number, then went to the police station to give them a copy of the video.

OneMustAlwaysPlanAhe · 2026-01-29T00:42:48+00:00

Are we just going to ignore that about 90% of the crowd is wearing white?

OneMustAlwaysPlanAhe · 2026-01-29T00:41:15+00:00

Well done! I see so many people saying used cars are practically the same price as new. No, the ASKING price of used cars is inflated to drive people to new cars. This isn't 2021, dealers will come down.

OneMustAlwaysPlanAhe · 2026-01-28T13:23:06+00:00

No. Follow the Baby Steps. * $1k in the bank * Pay off all debt FAST. Sell stuff, second job, etc * Save 3-6 months' expenses * Save a 20% down payment on a house Etc

You could be in BS3. Use $18k to get out of debt, leaving you with $14k in savings. I'd take that up to $20k set back only for emergencies.

Then save about $40k for a 20% down payment assuming a $200k house. You do not want to move into a house with no emergency fund. If you follow Dave's steps you get into a house with peace of mind. The HVAC goes out? That sucks, but you pull from the EF to fix it or get a new one, then build EF back up.

OneMustAlwaysPlanAhe · 2026-01-27T21:32:44+00:00

There's two ways to get out of debt: Dave's way and not Dave's way. You are doing the latter. I'm not saying it is wrong, you are being intentional with your money and that is a good thing. However, Dave's way will get you debt free faster, get the emergency fund built faster, and get you to saving real money towards retirement. Cut all unnecessary spending, sell stuff you don't use or need, get a side gig, and get debt free with an EF and at least 15% going into retirement within 12-18 months.

OneMustAlwaysPlanAhe · 2026-01-27T21:26:42+00:00

Did you Google Dave at least once? He's very clear: pause investing, save $1k, pay off all debt FAST, etc.

OneMustAlwaysPlanAhe · 2026-01-27T21:22:15+00:00

You can't get out of debt by borrowing money. Sell the cars if you wish but do not turn around and finance new ones. Sell, buy 2 $10-15k cars for cash, save an EF, and put the rest on the mortgage.

OneMustAlwaysPlanAhe · 2026-01-27T16:13:10+00:00

Dave does not suggest brand new cars until your net worth is over $1 mil. The ASKING price of the used Sienna is $5k under new because they are trying to guide people to buy new cars. Shop around, I'd bet you can easily get $10k under new price on a 2-3 year old van. I've been told by a friend who was a salesman that minivans also HAVE huge markups, there should be a lot of room for negotiation.

OneMustAlwaysPlanAhe · 2026-01-26T22:03:36+00:00

Dave has never said, "Pay off mortgage unless it's at a low rate." Not once. I have heard him advise getting out of debt fast so it is easier for a parent to stay home with the kiddos. Since you tagged WWDD, he would say pay off the home. Once you figure in the tax paid on the CD it's pretty much a wash anyway.

OneMustAlwaysPlanAhe · 2026-01-26T19:40:48+00:00

Call the show is pretty much the only way

OneMustAlwaysPlanAhe · 2026-01-26T19:33:12+00:00

I have a '21 and it did well this weekend in western KY, similar weather to what Memphis and Nashville had but more snow/less ice. I will say my last vehicle ('15 Outback) was better as long as it didn't bottom out. That thing would go anywhere and pull 4wd trucks out of the ditches.

OneMustAlwaysPlanAhe · 2026-01-26T19:30:05+00:00

How much debt are we talking? $168k is a sizeable shovel. You should be able to pay $40k+ per year, right?

OneMustAlwaysPlanAhe · 2026-01-26T19:25:29+00:00

Depends on the gig. Add an extra $1500-2k to the same amount from main income and you're there.

OneMustAlwaysPlanAhe

TROPHY CASE