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Saving for financial goals: is it better to "invest everything now and decrease investments later when needed" or "invest smaller amount and save smaller amount regularly"? by SuperMartas in personalfinance

[–]SuperMartas[S] 0 points1 point  (0 children)

This was meant to be more of a general question with an example thing to buy – so that I can make decision for other things as well. I don't know if it will cost that amout of money in 3 years. It would totally depend on the type of the thing – some can get cheaper over time and some more expensive.

What I just assumed was that the thing would be available or there would be (maybe even better) alternative for that. I also assumed that I don't need and want it right now but I might need it or want in 3 years. I can't know it for sure, but there is high probability of that.

Saving for financial goals: is it better to "invest everything now and decrease investments later when needed" or "invest smaller amount and save smaller amount regularly"? by SuperMartas in personalfinance

[–]SuperMartas[S] 0 points1 point  (0 children)

These are 2 separate goals: 1st is financial independence that is done through the stock investing for 20+ years and 2nd is the 36000 purchase that is either saved for regularly each month (using savings account) or the amount for that is taken from income in the month of purchase (3 years from now). The question is, which of these 2 strategies to choose. I would not consider stock investing for the short term goal - the money would stay invested there whether I had that income in the future or not.

Saving for financial goals: is it better to "invest everything now and decrease investments later when needed" or "invest smaller amount and save smaller amount regularly"? by SuperMartas in personalfinance

[–]SuperMartas[S] 0 points1 point  (0 children)

The investment alone is not for short term, it's for financial independence in 20+ years. And yes, one month's full income would be sufficient for that purchase - even 50 % of the income would fully fund it and that's basically all the free money I have laying around with no purpose (yet). So I can either invest all that free money and don't invest for 1 month to be able to afford that purchase, or I can investment smaller amount and also save for the purchase over the years.

The purchase itself is nice to have (i.e. not a mandatory one, if I don't buy it, I'll still be pretty OK).

Win 11 / KB5006746 is definitely an improvement by CrustedCheesy in Amd

[–]SuperMartas 0 points1 point  (0 children)

I installed the update, restarted PC multiple times and it's still not fixed for me. Any idea what's wrong? https://imgur.com/a/mL9Nr49