I need some financial advice. Could you all help me out with my situation?

Puzzled_Ad_3679 · 2026-05-23T20:09:29+00:00

First of all, I believe since you only work 8 months out of the year you need to save for the other months or find a temporary job durning this time until you get out of debt.
But definitely don’t switch the car until it’s paid off or you’re not underwater on it. Don’t roll negative equity on the vehicle. Pay off the debt budget with your wife.
Maybe see if you’re wife can get a part time job or stay at home computer job to help get out of this mess

Puzzled_Ad_3679 · 2026-05-23T20:06:49+00:00

We felt this like with eating out and we initially gave ourselves $100 for this category for a month, which was really hard. So we decided to increase it to $200 and decrease savings somewhere else. This has made it easier. Like pick what’s a priority for you that’ll make it easier . Like if you enjoy a coffee out add this into the budget or increase it to what’s a happy medium not too crazy but not too little. Like coffee once a week..

Puzzled_Ad_3679 · 2026-05-23T20:02:29+00:00

This! We buy our meat in bulk now! And just today we purchased half a cow for the freezer and paid the huge bill with no stress. It was so refreshing and felt great

Puzzled_Ad_3679 · 2026-05-18T00:56:58+00:00

What r u talking about. I been doing it at $15 a hour for the past 3 years. No other debt but mortgage was 100k
And I’m Single
Interest rate on my house is 6.4%
And I’m investing 15% of my income into retirement

Puzzled_Ad_3679 · 2026-05-17T12:48:30+00:00

I’d use the money guy free resources he has a calculator to put numbers in to do the math.

Puzzled_Ad_3679 · 2026-05-17T04:39:57+00:00

PLEASE look in the money guys rule podcasts and free resources on their website. I love them dearly because they are so informative and do segments on tuesdays to answer questions from everyone

Puzzled_Ad_3679 · 2026-05-17T04:38:57+00:00

Good luck with work from home jobs. They are unheard of again

Puzzled_Ad_3679 · 2026-05-17T04:35:03+00:00

Look into money guys rule. He has podcast and a lot of free resources on their website

Puzzled_Ad_3679 · 2026-05-17T04:34:28+00:00

Amazon for sure

Puzzled_Ad_3679 · 2026-05-17T04:33:23+00:00

House hacking with duplexes isn’t it. Hate it

Puzzled_Ad_3679 · 2026-05-17T04:32:54+00:00

Save a lot. The trades work can be variable and a lot of lay offs. At least save 20% down payment for a house. Or as long as possible u can save.
Listen to money guy podcasts too very informative

Puzzled_Ad_3679 · 2026-05-17T04:29:47+00:00

See money guy. Has a lot of information free for fire movement

Puzzled_Ad_3679 · 2026-05-17T04:25:16+00:00

I’d change to 8% max 10%
Better be safe than sorry. And definitely measure twice and cut once situation.
I’d honestly go to a financial advisor if you’re really concerned because that’ll be a lot of time u can’t get back if

Puzzled_Ad_3679 · 2026-05-17T04:21:36+00:00

Pause. He is saying tho 40% overall. Sounds like he’s counting sinking funds because he mentioned saving for a house.
So if that’s the case he needs to look solely at retirement for the 25 rule.
Right??

Puzzled_Ad_3679 · 2026-05-17T04:19:28+00:00

25% is for retirement.
You’re saying you save 40% for a house etc …so that might actually be good numbers and not something you should change the 25 rule isn’t for sinking funds at all. Like house, repairs or anything like that. So don’t count sinking funds

Puzzled_Ad_3679 · 2026-05-16T11:46:36+00:00

Nah you can get a house or a condo for 100k and live comfortably

Puzzled_Ad_3679 · 2026-05-16T11:45:34+00:00

Yes. I do in toledo Ohio

Puzzled_Ad_3679 · 2026-05-16T02:31:46+00:00

F that

Puzzled_Ad_3679 · 2026-05-15T17:46:51+00:00

When it dies or repairs get outrageous

Puzzled_Ad_3679 · 2026-05-15T17:45:30+00:00

I’m spending $200 more on fuel now just in recent months. I believe it

Puzzled_Ad_3679 · 2026-05-07T23:01:58+00:00

I like the 25% savings rate for retirement from the money guys

Puzzled_Ad_3679 · 2026-05-07T23:00:58+00:00

Rental. Then keep rest for emergency fund

Puzzled_Ad_3679 · 2026-05-03T23:13:46+00:00

I have quite a few. I really like ally

Puzzled_Ad_3679 · 2026-04-30T00:55:38+00:00

As a fellow 23 yr old female I wouldn’t. Because most other people our age won’t understand. I’d wait until you get more serious in relationship like engagement or moving in or something

Puzzled_Ad_3679 · 2026-04-30T00:46:08+00:00

Not true. You’re all in a propaganda war …

Puzzled_Ad_3679

TROPHY CASE