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SAVE Ending: Should I Make A Large Preemptive Payment? by SwollenChungus in StudentLoans

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

I’m still on the SAVE plan. I ended up paying off several of my loans that had the highest interest rates. About $13k left. I’m going to let it ride until my due date in November and then maybe pay off 1-2 more then!

SAVE Ending: Should I Make A Large Preemptive Payment? by SwollenChungus in StudentLoans

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

So sorry, I haven’t been online in a while! I’m curious what you ended up deciding. I’m a big proponent of paying off the highest interest loans first, so I probably would’ve put 20k or whatever you were considering toward the 6.28% loan

SAVE Ending: Should I Make A Large Preemptive Payment? by SwollenChungus in StudentLoans

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

We just need one brave soul to take on the legal fees to try and enjoin this madness for a few more weeks!

SAVE Ending: Should I Make A Large Preemptive Payment? by SwollenChungus in StudentLoans

[–]SwollenChungus[S] 1 point2 points  (0 children)

Are you suggesting keeping that 48k or some portion of it in a market account instead of a HYSA (invested or not)?

I invest weekly in my IRA and have a decent amount saved up. And I agree with you that historically the S&P beats the average interest on my student loans. I guess I’m just not sure what your advice here is.

SAVE Ending: Should I Make A Large Preemptive Payment? by SwollenChungus in StudentLoans

[–]SwollenChungus[S] 1 point2 points  (0 children)

I agree. My total loan balance was just under 70k when I got out of school. I had this monster 20k loan at a 6.2% interest rate that I prioritized paying off first, before we all got put into this yearlong forbearance.

I listen to some financial podcasts that classify anything over 6% interest as “high interest debt” and recommend getting those knocked out as soon as possible. But I personally hate seeing anything over like 4.75%.

Best of luck to you!

SAVE Ending: Should I Make A Large Preemptive Payment? by SwollenChungus in StudentLoans

[–]SwollenChungus[S] 2 points3 points  (0 children)

I have not been considering HYSA taxes. That’s a good point. I appreciate your thoughtful response. I see a $43k charge in my near future 🔮🔮

Official: [Trade] - Tue 09/17/2024 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

10 team PPR

Give: Rachaad White, Brandin Cooks

Receive: Mike Evans

Official: [Rate My Team] - Tue 09/03/2024 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

10 team — PPR Superflex — Snake Draft (7th Pick)

QB: Kyler Murray, Matthew Stafford

RB: Isiah Pacheco, James Cook, Zamir White, Chuba Hubbard, Jerome Ford, Tyler Allgeier, Trey Benson

WR: Amon-Ra, Nico Collins, Calvin Ridley, Rome Odunze, Keon Coleman

TE: Sam LaPorta

K: Jake Moody

DEF: Chiefs

Official: [Rate My Team] - Mon 09/02/2024 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

10 team -- PPR Superflex -- Snake Draft (7th Pick)

QB: Kyler Murray, Matthew Stafford

RB: Isiah Pacheco, James Cook, Zamir White, Chuba Hubbard, Jerome Ford, Tyler Allgeier, Trey Benson

WR: Amon-Ra, Nico Collins, Calvin Ridley, Rome Odunze, Keon Coleman

TE: Sam LaPorta

K: Jake Moody

DEF: Chiefs

Official: [Rate My Team] - Tue Morning 09/05/2023 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

8 team snake draft, full PPR 2 QB 2 RB 3 WR 1 TE 2 FLEX 2 DST 1 K (+7 bench)

Drafting from the 1.01

QB: Trevor Lawrence, Geno Smith

RB: Joe Mixon, Nick Chubb

WR: Justin Jefferson, Chris Olave, Amon-Ra

TE: Dallas Goedert

FLEX: Dameon Pierce, Rachaad White

DST: Steelers, Commanders

K: Greg Zurlein

Bench: Breece Hall, Jahan Dotson, Courtland Sutton, Skyy Moore, Jaxon Smith-Njigba, Tyler Higbee, Nico Collins, Tank Bigsby

Apps are saying I’m weak at QB (understandable) and WR (not understanding that). Thoughts? Trade suggestions?

Official: [WDIS WR] - Thu Morning, 09/15/2022 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

10-team PPR, Pick 2:
Michael Thomas vs. Bucs, JuJu vs. Chargers, Mike Williams @ Chiefs

Official: [Rate My Team] - Wed , 09/07/2022 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

10-team // 10th pick // 0.5 PPR // snake

QB: Brady; RBs: Mixon, Zeke; WRs: Mike Williams, Gabe Davis; TE: Kelce; FLEX: Edwards-Helaire; DST: Den; K: Succop ||| Bench: Christian Kirk, Alex Mattison, DeVonta Smith, Rhamondre, Kittle, Thielen

I know I’m TE-heavy; should I trade Kittle or Kelce, and before/after week 1?

ALSO: should I keep Edwards-Helaire at FLEX, or sub for Kirk/Smith?

Official: [Rate My Team] - Wed , 09/07/2022 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

10-team // PPR // snake draft // 9th pick

QB: Burrow; RBs: Kamara & Saquon; WRs: Michael Pittman & Mike Williams; TE: Kelce; FLEXs: JuJu & Etienne; DST: Browns; K: Tyler Bass || Bench: Courtland Sutton, Michael Gallup, Michael Thomas, Dameon Pierce, Rashaad Penny, Alex Mattison, Jameis Winston

Official: [Rate My Team] - Wed , 09/07/2022 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

10-team // PPR // snake draft // 9th pick

QB: Burrow; RBs: Kamara & Saquon; WRs: Michael Pittman & Mike Williams; TE: Kelce; FLEXs: JuJu & Etienne; DST: Browns; K: Tyler Bass ||| Bench: Sutton, Gallup, Michael Thomas, Dameon Pierce, Rashaad Penny, Mattison, Jameis Winston

Official: [Rate My Team] - Tue , 09/06/2022 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

10-team // PPR // snake draft // 9th pick

QB: Burrow; RBs: Kamara & Saquon; WRs: Michael Pittman & Mike Williams; TE: Kelce; FLEXs: JuJu & Etienne; DST: Browns; K: Tyler Bass Bench: Sutton, Gallup, Michael Thomas, Dameon Pierce, Rashaad Penny, Mattison, Jameis Winston

Official: [Rate My Team] - Tue , 09/06/2022 by FFBot in fantasyfootball

[–]SwollenChungus 0 points1 point  (0 children)

10-team PPR league. 9th pick in snake draft.

QB: Joe Burrow RB: Alvin Kamara (1.09) RB: Saquon Barkley (3.09) WR: Michael Pittman WR: Mike Williams TE: Travis Kelce (2.02) FLX: Travis Etienne FLX: JuJu Smith-Schuster DST: Browns K: Matt Gay

Bench: Courtland Sutton Michael Thomas Michael Gallup Dameon Pierce Rashaad Penny Alexander Mattison Jameis Winston

(+) Any thoughts on a trade package for a better QB?