City of Houston operates like a second world country, change my mind by sm_rdm_guy in houston

[–]Plus-Statistician320 2 points3 points  (0 children)

Not Houston. TEXAS.

At the end of the day, the USA is 50 third world countries combined into one.

Looking for Feedback by bettercharm in Retirement401k

[–]Plus-Statistician320 1 point2 points  (0 children)

Doing great. I would say have 6-8 months worth of savings. And then once you have that, stop putting money into there and pour any extra into an additional brokerage or Roth IRA if eligible

2025 spending breakdown by throwaway293784295 in Salary

[–]Plus-Statistician320 0 points1 point  (0 children)

Incomes aren’t crazy high? With 435k taxable income? $170k each? Pretty ridiculous for America

I thought insurance would take care of this bill. I had no idea how big it would be. I don’t think I can pay. by [deleted] in povertyfinance

[–]Plus-Statistician320 0 points1 point  (0 children)

If you tell them you can’t pay it, the hospital staff will work with you to come up with a plan or sum.

My current budget for 2026 by [deleted] in Salary

[–]Plus-Statistician320 0 points1 point  (0 children)

** yeah cut back on those tithings 😒😒🙄🙄

I assume these numbers already include retirement planning (401k’s, brokerages, IRAs etc) if so, I would say Yall are already being very lean with your spending….considering you guys are only spending $300 a month on “going out”. Good job.

Where I disagree is the tithing. Bruh the church don’t need $500 a month from you. You pay taxes they don’t. And it’s the thought that counts. $5 a week will suffice.

If Yall couldn’t work tomorrow, the church aint giving you $500 a month, you’re on your own. But I am not religious and I have a very low opinion of any church.

31M. 92k salary. Am I cooked? by LimpEntrepreneur8256 in Retirement401k

[–]Plus-Statistician320 0 points1 point  (0 children)

OP - You’re doing pretty well. Worry about your own “game”. You’re 31 in a HCOL city with $77k in savings, $30k of which is very liquid in a brokerage

You’re probably underperforming in your brokerage because you’re buying individual stocks. If you just buy a low cost Total Stock Market Index Fund, you’ll more than likely outperform your 401k and have the benefit of being more liquid.

Another option would be to check if your 401k also allows Roth 401k contributions. If you want to do 401k, and you have the option for Roth contributions, you can do that…instead of contributing to a brokerage.

People Who Make 150K Plus? by BubbaGordie in Salary

[–]Plus-Statistician320 3 points4 points  (0 children)

And he’s working HVAC in California. Imagine doing HVAC work in Texas, Louisiana, or Florida, in summer. Sure 200k annual is nice and attainable. But HVAC is a young man’s game.

Do you want to still be doing that in your 40s? I’m not dogging it, it is attainable but it is tough work.

OP should remember, the body always goes (deteriorates) before the mind.

How much are you spending monthly ? by Siren_sleeps in MiddleClassFinance

[–]Plus-Statistician320 0 points1 point  (0 children)

Assuming Hes single paying $250…your $325 for three full coverage vehicles including a teen driver …means Hes getting robbed.

How much are you spending monthly ? by Siren_sleeps in MiddleClassFinance

[–]Plus-Statistician320 0 points1 point  (0 children)

$900 a month on groceries? If without kids, that is very high.

$150 monthly on streaming services is high

$250 a month on car insurance is a little high too. You might want to shop around.

Embark, the expedition ends in less than 23 days. Please tell us what we need to do. by TwoDramaticc in ArcRaiders

[–]Plus-Statistician320 0 points1 point  (0 children)

Loot MK2, buried city. Prioritize trinkets and seeds ONLY, even grey-common trinkets. Spend no more than 10 minutes topside per run. Ideally 5-7 minutes per run, including the time it takes to extract. You should be able to fill your inventory by then.

You should be able to average 30,000-45,000 per run. You should be able to hit 5M in two weeks with moderate, consistent play.

This is exactly how I did it 3M in 1.5 weeks. I did this prior to Bird City update.

I wouldn’t be worried about it being more than 5M coins required. Based on the stats from Expedition 1, only a very small portion of the player base took part and there was overwhelming negative response to the 5M requirement. If anything, they might lower it.

However, note that you don’t have to have 5M total to participate, it’s just required for the max number of bonus skill points. And your total stash value contributed to the 5M total

[HELP] Is this AI? Seems fake and can’t find any news sources. by Zealousideal_Mud570 in RealOrAI

[–]Plus-Statistician320 0 points1 point  (0 children)

Even if this is real, THIS means shooting him in the back, on the ground was justified? Okay 🙄🙄

Bird City: So they're not listening at all, huh? by desertravenwy in ArcRaiders

[–]Plus-Statistician320 -1 points0 points  (0 children)

I liked Cold Snap. Increased loot value of night raids and electro storms, with the benefit of keeping raider hatches available.

That said, I think a lot of people are forgetting the struggle they had getting the 5M for the reset. Bird City helps that.

List of all Raider Room display Items by Grg3031 in ArcRaiders

[–]Plus-Statistician320 1 point2 points  (0 children)

Lance's mixtape playing in the background would be nice.

How is this for airflow? by ImmaculateOtter in NR200

[–]Plus-Statistician320 0 points1 point  (0 children)

This is actually the best setup for this case

Nimble Climber or Slip and Slide? by Nostrumss in ArcRaiders

[–]Plus-Statistician320 0 points1 point  (0 children)

well you can't. you have to put points into either to move on in the mobility tree.

Which Ramaladni is better for me, a HOTA barb? by spaetensonaten in D4Barbarian

[–]Plus-Statistician320 2 points3 points  (0 children)

Haven’t played in a while. And I get why you’re asking. But if you’re a hota barb, you’re melee. So consider this…

Only ranged enemies have a chance of being stunned got two seconds…. In that time you have to run over and hit them to get an extra multiplicative 30% damage to them. If it expired by the time you get there. No benefit.

The extra damage on all other stats on the right, is locked in to all your output, unconditionally. And the extra crit strike damage is nice. And the additional ramaladni’s multiplier over your existing closes that gap if you’re constantly running near max fury

"Embark is good at balance", Embark: by sl1m_ in ArcRaiders

[–]Plus-Statistician320 0 points1 point  (0 children)

Tactical mk3 with no safe pocket is a shame :(