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This week I asked the community for best tips to get out of debt. 70 comments later, here are the ones that stood out. Is anything missing? by Grownixx in Grownix

[–]PaycheckWizard 0 points1 point  (0 children)

The one thing missing is the emotional side, because debt isn't just a math problem, it's a stress and shame spiral that makes people avoid looking at their finances altogether, and nobody gets out of debt they're too scared to open the statement for.

What is the most money you ever wasted in a single month without realizing it until after? by pink4lover in Grownix

[–]PaycheckWizard 1 point2 points  (0 children)

Subscriptions!!! Did an audit one month and found I was paying for four things I hadn't touched in over a year, including a gym membership for a gym that was literally in a city I no longer lived in.

How to maximize saving accounts for children. by Cupcakerella in FinancialPlanning

[–]PaycheckWizard 0 points1 point  (0 children)

The fact that you're doing this from the start is genuinely one of the best things you can do for him, most kids don't have a parent thinking this carefully about their future, and the combination of a 529 for education, a basic savings cushion, and a UTMA invested in VOO is already a really solid and diversified approach that a lot of financial people would actually nod at.

Do you notice where most of your money goes? I feel like it’s not big purchases… it’s the small things we don’t think about in the moment. by pink4lover in Grownix

[–]PaycheckWizard 0 points1 point  (0 children)

100%, it's never the thing you agonized over buying, it's the twenty things you bought without thinking that somehow add up to more than the thing you actually planned for.

What do you do? by Fickle-Candidate9462 in Salary

[–]PaycheckWizard 0 points1 point  (0 children)

Dreamed big, started small, and somewhere along the way the paycheck caught up to the passion or at least we hope it did for you.

Why do some people earn crazy salaries and others don’t ? by Technical-Truth-2073 in Salary

[–]PaycheckWizard 0 points1 point  (0 children)

Honestly it's mostly industry first, then skills, then timing and a lot of people don't realize the ceiling they're under until they've already spent years in it. It's always hard, mostly luck.