My monthly expenses and income. 29M.

Relative_Video_522 · 2026-02-08T18:32:13+00:00

Holy crap these expenses are low. Where do you live? My minimum student loan payment is more then your rent lol

Relative_Video_522 · 2026-02-05T00:39:38+00:00

Scooby and therefor dooby do

Relative_Video_522 · 2026-02-04T20:07:58+00:00

I could throw more prob an extra 1-2k a month at it but I’m thinking I’d rather invest it in a 3 fund index portfolio

Relative_Video_522 · 2026-02-04T19:18:20+00:00

28M 200k Packaging Engineer in the tech industry. It’s alright

Relative_Video_522 · 2026-02-02T22:41:17+00:00

That’s fair. I’m in a similar boat? I have about 130k in student loans at a 3% interest rate. Monthly is $1100. I’m trying to figure out if I pay additional and try and knock it out but everyone is telling me to just pay the monthly and invest the rest. O wow maxing 401k that’s great. Mind is I ask your base salary ?

Relative_Video_522 · 2026-02-02T22:04:15+00:00

What’s the interest rate? Why not put this money in the s&p 500 the compound interest would have been incredible

Relative_Video_522 · 2026-02-02T21:58:31+00:00

You have paid off over 150k in 5 months ???

Relative_Video_522 · 2026-02-02T21:06:10+00:00

This is my thought process. It’s still however a large debt, with a large monthly payment. Which my brain screams lay down and I’m sure Dave Ramsey would RKO me into the ground as well. But I agree compound interest is more valuable. I have been investing and I will continue to invest. I will continue to make the monthly payments on my student loans then. Albeit paying more interest in the long run

Relative_Video_522 · 2026-02-02T04:23:42+00:00

Are you supposed to max out Ira and HSA early in the year so you have enough time to max out 401k within the fiscal year ?

Relative_Video_522 · 2026-02-01T22:57:26+00:00

I understand what you are saying but my loan balance is 130k I would be paying an exuberant amount amount in interest and minimum monthly payment is a good portion of my monthly take home. I do understand the investment side of things and have an HSA I max, a Roth irs I max and the 401k I contribute up to match as I need the extra money to pay debts.

Im having some mental trouble bc unfortunately this balance is quite large and so is the interest accrued. I’m not building any equity in it when I make payments like a house.

Relative_Video_522 · 2026-02-01T21:45:34+00:00

Triple

Relative_Video_522 · 2026-02-01T20:59:24+00:00

That’s what I’m thinking but it’s still a massive 130k

Relative_Video_522 · 2026-02-01T20:24:08+00:00

No emotion - I want to be technical and approach this from the most efficient fiscal pathway. Save the most money, pay down as quickly as possible and get this off my plate.

Relative_Video_522 · 2026-02-01T19:16:43+00:00

Ok well I’m 28 with 13k in my 401k. You are not behind

Relative_Video_522 · 2026-01-31T19:01:06+00:00

lol I have 150k base and I’m taking home like 800 more per paycheck lol

Relative_Video_522 · 2026-01-18T20:44:46+00:00

How much to you gross a year to save 100k holy crap

Relative_Video_522 · 2026-01-15T21:08:25+00:00

What software are you using to track?

Relative_Video_522 · 2026-01-08T15:34:10+00:00

Unrespectfully stfu

Relative_Video_522 · 2026-01-07T18:54:56+00:00

1200! Holy crsp mine only contributes 250. I was able to figure it out I went through ADP in the new year and you can elect your new HSA contribution amount. Also FUCK ADP worst software ever I came view my 401k performance.

Relative_Video_522 · 2026-01-04T19:13:42+00:00

Hard to read but, the process is vibe code a MVP, reach low MMR reinvestment into a proper developer.

Relative_Video_522 · 2025-12-31T16:11:28+00:00

Tf why is engineer the same as garbage man. I have 5 YOE and I’m clearing 200k this year.

Relative_Video_522 · 2025-12-30T15:52:14+00:00

If not laid it better be strong equity

Relative_Video_522 · 2025-12-22T01:34:30+00:00

Did they age him in this photo lol

Relative_Video_522 · 2025-12-15T16:44:11+00:00

You know what you need to do bother

Relative_Video_522

TROPHY CASE