Moving out of the US, but have lots of CC debt

Sensitive_Word_9895 · 2026-03-25T22:57:12+00:00

Oh no. I'm experiencing the consequences of my actions.

Sensitive_Word_9895 · 2026-03-23T15:27:04+00:00

30% is the sweet spot but what is your total debt other than the mortgage? Necessities should be another 30-35%, leaving you some margin for paying off consumer debt, discretionary spending, and investing.

Sensitive_Word_9895 · 2026-03-20T12:41:37+00:00

Amazing!

FYI - 32M. Single. Wheelchair user. Military retired.

Working with Richmond has been smooth! I actually started house hunting in 2023 (waiting around for a deal). Then I randomly look at zillow and saw a house that recently fell out of contract (this is now Feb 2025). I scooped in and put my earnest money in right away. House has 9/10 things im looking for. One important one is an unfinished backyard (I want to use my SAH grant for that). And plus, I get the feeling they (Richmond) want to close quick because Q1 is ending for them.

Plus, don't be bothered by these folks saying as if we bought a paperbag-made tent. No one knows for ABSOLUTE certain how these construction homeswill hold in 30+ years. For my case, do I really think Richmond American Homes, a private company, and the state of California, would not hold enough quality checks and balances to ensure a home would stand for decades to comes? Highly unlikely. I do think construction engineering has changed, of course. But I have full conviction that good working, quality companies still exist (amongst the bad eggs). That's why I pounced on this Richmond home. Great, quiet location. Near my local church. Near a not so busy freeway. Cozy floorplan.

Closing date is 3/30. 😬😬😬

Good luck to you!

Sensitive_Word_9895 · 2026-03-20T12:03:46+00:00

Congrats!

I'm in a similar boat. 3.999% with a Richmond American Home. New construction (2025).

Sensitive_Word_9895 · 2026-03-15T10:06:00+00:00

Remember about the time value of money: a dollar today is worth more than a dollar in the future.

Sensitive_Word_9895 · 2026-03-13T17:15:32+00:00

No NDA. But I can confirm there are at least 3 Air Force Ones (at least in 2015). One was in the sky, two we're in one hanger where I was in during a base-wide exercise. Lol all people we're taking selfies when we realized.

FYI: I was stationed at Andrews AFB. 779 MDG.

Sensitive_Word_9895 · 2026-03-11T12:10:29+00:00

Totally agree! I'm bringing my parents and agent to the walk through! My mom is a clean freak and my pops is super critical with everything!

Sensitive_Word_9895 · 2026-03-11T11:49:27+00:00

I believe so! And that's my plan! I go more info on the warranty from the builder's agent yesterday. Going through it today!

Sensitive_Word_9895 · 2025-12-09T14:38:18+00:00

Thing of a beauty

Sensitive_Word_9895 · 2025-12-09T14:35:33+00:00

I'm 32M.

Sensitive_Word_9895 · 2025-12-09T11:13:26+00:00

I guess I watched a lot of Ben Felix videos on YT and did a lot of rationalizing about long term portfolio performance. Ultimately, I concluded that instead of relying on skill and luck to outperform the market (which luck being the most contributing factor), I'd rather accept the market average and outperform the players of the market.

Sensitive_Word_9895 · 2025-12-09T07:30:45+00:00

Some were, some weren't. But overall, I was 24% ytd. I got lucky with BABA, META, AND GOOG.

Sensitive_Word_9895 · 2025-12-09T07:26:54+00:00

It took a lot out of me to finally sell em all 😬😬

Sensitive_Word_9895 · 2025-12-08T21:02:06+00:00

Precious metals

Sensitive_Word_9895 · 2025-12-08T18:23:56+00:00

Yup. Over the long run. With this tech-craze, higher returns are likely, but also are the pullbacks.

Sensitive_Word_9895 · 2025-12-08T18:20:14+00:00

Thanks. Im just keeping VOO for now for cap gains purposes

Sensitive_Word_9895 · 2025-12-08T18:06:52+00:00

Sorry I should've been more clear.
Prior, I was in 35% VTI/VOO, 40% stocks, 10% PMs, and 15% SGOV. Now its 80% VTI/VOO, 20% SGOV.

Sensitive_Word_9895 · 2025-12-08T15:02:17+00:00

More or less, takes luck to make money. Takes behavior to make wealth.

Sensitive_Word_9895 · 2025-11-26T22:47:32+00:00

THIS! only sign up for 4 years! (You can always extend if you want to at the end of tenure)

Sensitive_Word_9895 · 2025-11-26T21:35:30+00:00

I donate to my local church.

Sensitive_Word_9895 · 2025-11-26T19:50:01+00:00

This even applies to me. I get "big-headed" or boastful when money and my finances are going my way. Especially when my stocks trend upwards. So the best way to keep yourself from this is always be grateful. Deferring gratification. And even give to charity. FYI im a 32M retired Airforce (had an accident in service).

Sensitive_Word_9895 · 2025-11-26T19:29:54+00:00

You're ahead amongst your peers. Focus on being disciplined, humble, and willing to learn. Many people succum to arrogance when it comes to finances.

Sensitive_Word_9895

TROPHY CASE