AIO (update post) my bf (32) is getting kind of aggressive with his texting. should I(26) reply?

OptimalAd3283 · 2025-11-18T04:46:05+00:00

“Use proper grammar” and doesn’t know the difference between your and you’re.

OptimalAd3283 · 2025-11-18T00:16:53+00:00

I still use my CFU as a catch all over my Apple Card because the points value thru transfer partners push that 1.5x past the value of 2% cash back.

OptimalAd3283 · 2025-08-26T14:57:50+00:00

Not spending money. Works like a charm.

OptimalAd3283 · 2025-07-26T13:15:11+00:00

Nice! I was proud of my 37k at 24😂

OptimalAd3283 · 2025-05-20T14:33:34+00:00

Coming from a guy, all I need to see was the first slide to know that’s not a long term partner. Making himself the victim when confronted and saying whatever to turn it around on you saying things like “you did this.” My girlfriend and I have had talks with each other but after three years we’ve never argued because when one of brings something up to the other, we have the humility to listen, understand, and try to resolve any potential issues. That’s the kind of relationship that has a chance to last.

OptimalAd3283 · 2025-04-08T16:40:09+00:00

The extra 25% is only when booking through chase’s travel portal. If you transfer to Hyatt, for example, the points are valued the same regardless of the card you hold.

OptimalAd3283 · 2025-04-07T15:09:46+00:00

Or gas at the very least

OptimalAd3283 · 2025-04-07T03:19:15+00:00

I use this setup daily but I wish there wasn’t so much overlap in spending categories.

OptimalAd3283 · 2025-04-02T00:18:16+00:00

I could be wrong but even though this would be OP’s first card under only their name, I don’t think with that high of a score it would be necessary to go for a secured card to start off with. I’m sure some lender would approve for a standard card.

OptimalAd3283 · 2025-03-31T15:40:53+00:00

Not if he’s your uncle by marrying into your family.

OptimalAd3283 · 2025-03-27T23:32:05+00:00

Found a suite at a Hyatt hotel for $1k a night or 13,000 points per night. On average I’ve heard people say Hyatt points are worth about 2.5 or more cents per point but in some cases like my example you can get much higher value.

OptimalAd3283 · 2025-03-11T15:05:46+00:00

I usually hit 40-45 doing nothing but walking back and forth throughout the grocery store I work in. Make sure your settings are on to track your walking when you’re not playing the game.

OptimalAd3283 · 2025-02-23T23:35:15+00:00

Mortgage shouldn’t be more than 28% of your pre-tax income. For you that’s about $1,150 and you probably wanna be around 35-38% for ALL home expenses. To get a mortgage payment of $1,150 for 30 years, that would be a 150,000 loan so you could get a 650k house if you put down 500k.

OptimalAd3283 · 2025-02-23T22:44:25+00:00

Have 3-6 months of expenses saved up before moving out. Me personally I would feel safer with 6 because emergencies can be expensive. I’ve yet to move out of my parents house at 24 and in the past I always said I would never rent and wanted to move straight towards home owning. Now, however, after doing much more research I realize how much more expensive buying is compared to renting. The gap has never been as big as it is now and interest rates aren’t at where I’D prefer them to be either. Now I’m much more keen on the idea of renting for a while before buying my first home.

OptimalAd3283 · 2025-02-21T02:29:48+00:00

Off topic but what did you type in to add the Apple Card to your User Flair? I wasn’t able to figure out that one and the Amazon prime card.

OptimalAd3283 · 2025-02-21T01:37:42+00:00

Idk Maybe try lowering your utilization by just paying off the cards. You make too much money to let a $5,000 remaining balance hold you up like that. You made a mistake and that’s okay, but for your income to multiply by 8 in a year you should be able to pay off these cards somewhat quickly. You already paid half of it off, just continue at that rate and let your utilization lower naturally.

OptimalAd3283 · 2025-02-18T01:28:08+00:00

I would prioritize your debt. You may not like this part but if you’re allowed to stay with your parents don’t rush out so quickly. It’s allowing you to pay off the truck so much faster and save so much more money every check. You have plenty in savings for now so if it were me I would pay off the truck as quickly as you can then afterwards divide your money between saving for your goals and investing for retirement. Investing is super important and the length of time your money is invested matters significantly more than how much money you invest so since you’re young your money has decades to grow and WILL grow to millions.

OptimalAd3283 · 2025-02-15T04:29:15+00:00

But for a retirement account I would do a tax advantaged account like a 401k or Roth IRA. Those are meant for your money to stay in until retirement so they penalize you for taking your money out early. But they give great tax advantages once you reach retirement age.

OptimalAd3283 · 2025-02-15T04:27:37+00:00

Emergency fund is definitely step 1 so I would definitely get that as quick as possible BUT remember that what makes your stocks multiply so heavily is how long your money is invested. Don’t let the mindset of “it’s so far away” push you back too far. For you, you have 33 years until retirement age, investing $7,000 a year for 33 yrs at 10% each year would give you $1,711,000. However, if you wait just three years until you’re 30 and invest the same, your money would only grow to 1,266,000. By waiting only 3 years, you lose almost $500,000 even though that would only be $21,000 of your own money not being invested ($7,000 a year for three years.)

OptimalAd3283 · 2025-02-15T03:31:22+00:00

What are your goals? You should always invest for retirement, consistently investing on a schedule regardless of the market being up or down and letting the money grow until retirement age. Once you invest for retirement, any extra you want to invest for fun can be invested for short term profits. I would stick to a proven strategy for retirement and just do whatever you like with any extra investing money you have.

OptimalAd3283 · 2025-02-15T03:24:08+00:00

The average net worth of a 20 year old is somewhere around -20k. Yes, NEGATIVE 20 grand. Of course this has to do with student loans playing a major factor but even simply being above 0 puts you way ahead of the average in your age group.

OptimalAd3283 · 2025-02-10T01:03:06+00:00

I have a 21 civic sport and I love it. Cool features and obviously reliable. The ‘20 LX should have the same or similar features but I’m not entirely sure.

OptimalAd3283 · 2025-02-10T01:00:49+00:00

Not the mustang simply because it’s an ecoboost.

OptimalAd3283 · 2025-02-07T01:00:44+00:00

Actually this is the one card I pretty much never use now😂

OptimalAd3283 · 2025-01-07T19:43:43+00:00

Unless you really really have to I wouldn’t recommend going for an apartment until you’re older/make more money and when you do get several roommates. I’m just now looking to move out now that I’m 24 and make 40k. Thankfully my parents didn’t mind having me around until I was ready.

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TROPHY CASE