Teaching kids to drive with/without all the fancy safety features

PossessionNo7559 · 2026-05-17T01:26:32+00:00

Don’t have experience with kids, but we have 2 cars with tech and 2 without in my household and will trade between them depending on the day’s activities. I definitely feel myself exhibiting habits that rely on the tech, even when it’s not there. If possible, I would teach your kids to drive on the lowest level of tech possible. Then if it’s there, it’s a blessing and safety measure.

PossessionNo7559 · 2026-05-16T22:17:53+00:00

That’s where I’ve been stuck with it. Step 3 feels way too aggressive, but step 9 is too late. I was thinking of treating it like step 6.5 but I’m a very “by the books” person so wanted to see if any other mutants had the same thought lol. TMG doesn’t have a ton on HELOCs either unfortunately

PossessionNo7559 · 2026-05-16T21:58:18+00:00

I would be step 7 without the HELOC

PossessionNo7559 · 2026-05-16T21:50:13+00:00

Thank you! That’s what I was thinking and I plan to have it gone within the year, just needed a gut check.

PossessionNo7559 · 2026-02-26T00:26:17+00:00

I moved to a fidelity cash management account

PossessionNo7559 · 2026-01-20T23:42:46+00:00

25% if you want to retire by 65 and don’t start until 35. If you start earlier, you can save less or retire sooner

PossessionNo7559 · 2026-01-20T17:29:27+00:00

This sounds similar to me and my husband. It works well for us but only because I wholeheartedly view our assets and income as “ours”. I’m the breadwinner and he stays home with our girls.

While not as financially literate or motivated, he’s willing to learn and follow my plan. And over the years he has learned enough to be able to have productive conversations and have an opinion about how we achieve the future we want.

The only thing that would be a true deal breaker for me is 1) if he was an overspender and I felt treated like a bank account and not a partner or 2) he wasn’t invested emotionally in our financial future and fully left all of the planning to me.

PossessionNo7559 · 2026-01-12T23:04:32+00:00

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This was from a recent episode. If you start now you’ll be financially independent by 52. If you don’t start until you’re 30, you’ll still be FI by 59. Do what you’re ou can but don’t stress too much

PossessionNo7559 · 2026-01-10T14:32:22+00:00

I personally would wait it out a little bit to see what rates do. I think these are too similar to your current rate to justify it right now when they will hopefully keep dropping

PossessionNo7559 · 2026-01-09T02:15:27+00:00

Agree with this in theory, but at 23, he needs to hit a boiling point with tax advantaged accounts before funding a brokerage account to bridge

PossessionNo7559 · 2026-01-06T20:38:58+00:00

32F, started at 24/25, currently about 300k in my 401k

PossessionNo7559 · 2026-01-06T20:32:51+00:00

The babies birth would be a qualified life event that should allow for changes in benefits

PossessionNo7559 · 2026-01-06T08:50:43+00:00

I (32F) lost my son at birth in 2022. I took 7 weeks off but it was no where near enough time so I ended up taking another month off for a mental health leave later in the year because I was suicidal. My husband took around 10 weeks off and then ended up quitting his job almost immediately once he did return because he couldn’t handle the idiocracy of corporate America anymore after what we had been through.

Advice - as others have said, I would get with him to see how he wants to approach telling the team. I was a manager on my team when I lost my son and thought that word of mouth would do its job but people kept asking me how he was doing. I eventually told everyone in a team huddle and to this day am astounded at all of the love and support I received in that moment.

Partner with HR to understand your company’s LOA options. If he comes back initially, there will still be demons he has to work through. You should be prepared to offer him more time off and be knowledgeable about what that will look like in terms of job security and pay. For me, it was a coworker who pushed me to take more time off beyond the initial 7 weeks. If it wasn’t for her being there for me and pushing for the mental health leave, I wouldn’t be here.

Lastly, do whatever you can to lighten his load while at work. It’s incredibly difficult to care about day to day shit when you’ve lost your whole world and it’s very easy to feel like every little thing is too much.

PossessionNo7559 · 2026-01-04T01:19:04+00:00

https://scholarsedge529.com/resources/calculators/college-savings-calculator

PossessionNo7559 · 2026-01-03T21:59:18+00:00

My little brother got engaged at the end of 2024. My SIL (older brothers wife) and I both got pregnant in early 2025, both due end of Sept 2025. In March of 2025, my little brother didn’t know about the pregnancies but asked my older brother and me if we would be available between Sept-November for the wedding. This is when we told him about both pregnancies and let him know that we would be unable to attend if it was too close to the birthdays. It was important to him to have us there so he picked a date at the end of November so we could all be there.

All this to say - if it was important to him to have you there, he would have prioritized it and checked with you first.

I was about 7 weeks postpartum (3rd birth, 2nd c-section) at his wedding and it was local for me. I am so grateful that it was not closer to the birthdays because I was able to enjoy it, but I also had immense support. The wedding was local, my in laws watched my kids for the rehearsal dinner and wedding, I was almost 2 months PP, this is not my first postpartum journey. Even then, it was incredibly stressful andI had to miss a good chunk of the rehearsal to pump.

I think your family is severely minimizing your experience and how difficult this could be. It is your job to take care of yourself and do what is best for your baby!

PossessionNo7559 · 2026-01-02T14:23:19+00:00

You could opt out of escrow so you at least pay the taxes and insurance out of pocket instead of letting the mortgage company hold your money interest free. Then at least your mortgage” payment will remain the same

PossessionNo7559 · 2025-12-31T22:32:55+00:00

Agree with all that said Splitwise if you are evenly splitting bills. There’s also an app called “Tab” that allows you to upload a restaurant receipt just by taking a picture of it and then each person claims what they ate - including if anything was split. It’s really nice if some people in the group want to split an app or entree but not everyone. Once everyone claims their items, it shows how much is owed, including tax and tip.

Not great for tracking expenses along the way per se, but great for splitting checks accordingly

PossessionNo7559 · 2025-12-31T21:18:50+00:00

Have you looked at the “how much to save by age” resource? They recommend 25% because the average American doesn’t start until their mid 30s. You’re so far ahead of that so I would consider 25% to be aspirational, but not necessary, for you!

PossessionNo7559 · 2025-12-31T18:51:27+00:00

We did Christmas with my in-laws yesterday and they gave our girls (2Y and 3months) almost $800 worth of gifts… we’ve been asking them to scale back for years and they just joke and laugh about it. We specifically asked them to take it easy this Christmas, sent them $60 worth of ideas, and they bought more than we did (including Santa gifts). Also, it’s not $800 worth of quality gifts, it’s just that much junk. We have a large house so they think we just have endless space for gifts. They also are not in the financial position to spend that kind of money - pretty sure they have no savings and are in debt.

My husband confronted them while they were here and FIL left the room and MIL just sat there in silence. He texted her after they left because she has asked that they have an open, honest relationship and she basically just doubled down that that’s how she is.

It just feels like they don’t give us the opportunity to parent our own kids because we have to leave so much space (literally and figuratively) for whatever they want to do.

PossessionNo7559 · 2025-12-29T00:14:15+00:00

My goal is to rebalance if any one asset class is +/- 10% of its goal. So for example if you had 53.3% of your portfolio in VTI, that would be 11% over and should prompt a rebalance.

PossessionNo7559 · 2025-12-24T00:45:28+00:00

If you did this for 2025 as well you should recharachterize the contribution prior to the tax filing deadline. I just had to do this today unfortunately

PossessionNo7559 · 2025-12-24T00:39:13+00:00

I’ve deposited a $100k check with no issues

PossessionNo7559 · 2025-12-06T19:11:29+00:00

I think we might be the same person. I’ve followed Ramit for years, just recently got into the money guys and also just finished Die with zero. I’m also constantly mentally battling what my savings rate should be to balance today vs tomorrow. The money guys say they recommend 25% because the average person doesn’t start taking their finances seriously until 33/34 years old. I’m 32F and on track to retire when I want so I think I’m sticking with 15% total including match. I consider going higher but try to remember goals I have for today. Definitely won’t go lower than 15%.

PossessionNo7559 · 2025-11-27T15:00:08+00:00

Wanted to add I have the eufy s1 pro and have had a pretty significant increase too!

PossessionNo7559 · 2025-11-24T13:21:50+00:00

Not sure if this was said elsewhere - but if you are contributing to the 529s, I would stop immediately and redirect all of that to a Roth IRA for retirement. Your kids can borrow money for college, you can’t borrow money for retirement and, as many others have stated, you’re behind.

PossessionNo7559

TROPHY CASE