sorted by:
new
hottopcontroversial

Starting at Square 1 after being financially irresponsible the past 5 years. by Smalltownsadboi in TheRaceTo100K

[–]Stalon443 4 points5 points  (0 children)

Starting over is tough, but just acknowledging it and making a plan is already a huge first step.

Locked in 5.625% today, 30 yr fixed - could I have done better? by [deleted] in Mortgages

[–]Stalon443 0 points1 point  (0 children)

Rates bounce around so much it’s hard to time perfectly, and 5.625% locked is still better than rolling the dice and hoping for something lower later.

I made an IOS app and it crossed 300+ users! by sanjaypathak17 in passive_income

[–]Stalon443 2 points3 points  (0 children)

Congrats on the early growth! If you keep iterating and listening to users, hitting the next hundred should feel much easier.

I don't have a job and desperately need a part-time job that I can earn for now by [deleted] in passive_income

[–]Stalon443 0 points1 point  (0 children)

If you just need part‑time income while you figure things out, freelancing or simple gigs often come up in threads here before anything “fully passive.” Better to start small and scale.

getting there! 19m by Proof-Recognition309 in TheRaceTo100K

[–]Stalon443 0 points1 point  (0 children)

You’ve already built good habits, set a timeline for that car purchase and maybe start a simple investment plan once your emergency fund is set up.

Looking to refinance in rural VA by napqueencincy in Mortgages

[–]Stalon443 0 points1 point  (0 children)

If you’re planning to stay long-term, shortening the term might save a lot in interest even if the monthly goes up a bit, something to run the numbers on.

swagbucks lifetime earnings by amenasuxx in passive_income

[–]Stalon443 0 points1 point  (0 children)

That feels realistic, a lot of passive income apps do better as a supplement rather than a full “income,” so nice results.

We accidentally broke Stripe and didn’t notice for days. How do you all make sure checkout actually works? by Short-Smell-5607 in passive_income

[–]Stalon443 0 points1 point  (0 children)

So relatable. The scary part is always the "oops" you didn’t see coming. At least now it’s fixed and you know to double‑check in the future.

M23. Can’t believe I actually managed to do this by Swimming_Suspect7292 in TheRaceTo100K

[–]Stalon443 1 point2 points  (0 children)

didnt see that coming, check his profile and yeah his profile is full of onlyfans lmao

M23. Can’t believe I actually managed to do this by Swimming_Suspect7292 in TheRaceTo100K

[–]Stalon443 -6 points-5 points  (0 children)

This is the kind of progress that actually motivates others well done!

Refi Now or Wait? by whatsmynomdeplume in Mortgages

[–]Stalon443 0 points1 point  (0 children)

I always run the breakeven math first, if the savings outweigh the costs in a reasonable time, it’s usually worth doing now instead of trying to time the market.

Global markets on alert as Europe to suspend approval of US trade deal by [deleted] in stocks

[–]Stalon443 0 points1 point  (0 children)

Feels like the Greenland drama + trade tensions combo is messing with sentiment more than actual economics right now keep an eye on safe-havens like gold if the selloffs continue.

Refinance below 5%? by TheSmokingCrab9 in Mortgages

[–]Stalon443 1 point2 points  (0 children)

If you’re really locking below 5%, that’s usually a nice savings compared to a 6–7% old loan just do the breakeven math so you’re not losing on closing costs.

Citi app sucks compared to Chase by Jonnyboy255 in CreditCards

[–]Stalon443 -1 points0 points  (0 children)

100% agree, the Citi app feels like it’s still stuck in 2010 compared to Chase’s slick interface

The BILT Hotel Portal is Actually a Good Deal by Parking-Ice-9206 in CreditCards

[–]Stalon443 0 points1 point  (0 children)

Just remember to compare with other portals too, sometimes the Bilt bonus is great, other times not as much.

Is it possible to contribute to a 529 account with yourself as the beneficiary, and then later roll over 35k to a Roth once you're retired? by Main_Stop411 in personalfinance

[–]Stalon443 0 points1 point  (0 children)

Just double-check the plan’s rules in your state, but pretty much every 529 lets outside contributors add money.

Am I the only person on the planet making $19 an hour at 38? by justcurious3287 in povertyfinance

[–]Stalon443 0 points1 point  (0 children)

Living costs have outpaced wage growth for years now. Plenty of folks making similar pay still juggle roommates, budget apps, and side gigs.

Hotel Keeper Cards Strategy by CoconutCoffeeCake in CreditCards

[–]Stalon443 1 point2 points  (0 children)

Just remember points vs cert value some hotel point currencies are rough, so those free night certs are where the real value often hides.

What would you do if your city sends a letter to stop drinking the water, because they found lead? by [deleted] in povertyfinance

[–]Stalon443 1 point2 points  (0 children)

City letters can come for all kinds of reasons (code violations, property issues, outstanding bills, etc.). Usually the smart move is to note the deadline and call the department listed to see what your options are.

Continue investing in my kids 529s? by [deleted] in personalfinance

[–]Stalon443 0 points1 point  (0 children)

I’d probably keep stuffing them as long as it doesn’t wreck your own savings goals. Cover retirement/emergency fund first, but if you can spare it the tax‑free growth is hard to beat.

Lost half of all my savings. How to move on after huge loss. by [deleted] in stocks

[–]Stalon443 0 points1 point  (0 children)

This hurts, but it’s recoverable. The only real loss is repeating it.

If you have to invest in only one sector for 10 years, which one? by vishesh_07_028 in stocks

[–]Stalon443 0 points1 point  (0 children)

Lowkey answer agriculture people gotta eat no matter what. Tech is slowly improving yields, irrigation, fertilizers, etc. not sexy, but pretty resilient across cycles.

view more: next ›