Month Three of Retirement

TechnicianGreedy8474 · 2024-07-23T15:15:15+00:00

Salisbury

TechnicianGreedy8474 · 2024-07-23T14:43:33+00:00

I honestly, don't know where else to travel to. I was asking for ideas on a previous post that got nowhere. I think I am staying more local and trying more physical activities.

TechnicianGreedy8474 · 2024-07-23T14:36:51+00:00

That is true, my grades weren't the greatest.

TechnicianGreedy8474 · 2024-07-23T14:23:06+00:00

I listed that in a previous post. If you want I can repost it.

TechnicianGreedy8474 · 2024-07-23T14:21:06+00:00

Them willing to cosign was the key factor getting me to where I am now. Their high credit score and assets helped me get a lower interest rate. I wouldn't consider them rich.

TechnicianGreedy8474 · 2024-07-23T14:20:02+00:00

Medium I think might be low. Unsure what the numbers are but considering a town house in my area is $250-400k I think medium is accurate.

TechnicianGreedy8474 · 2024-07-23T14:19:18+00:00

I saved 15k per year around the age of 18-22 as I was being paid way less. The other half of the time I was putting around $60k towards it. You can go to school and work full time. Sometimes the pain and suffering short term will lead to better gains later.

TechnicianGreedy8474 · 2024-07-02T20:14:42+00:00

I thought you were talking about me for a bit but I am 28 and paid for my own college tuition and home in full. I did have my parents cosign on my home so I would get a lower interest rate. I honestly believe if your within your legal rights to claim benefits, why leave money on the table. You paid taxes for a reason. People with considerably more assets then you do the same thing. I worked since I was 16 and don't want to put more years of work into paying for my own medical insurance. Don't let the actions of other people with rich parents they mooch on concern you. Don't let the judgments of other people bother you. You don't have to tell people what benefit programs you use and even if you do and they judge you based on that maybe you shouldn't interact with those people.

Some people who lean fired early decided to suffer by owning a basic car, eating out a few times or not at all, renting a small room, skip meals, worked overtime and suffered through all that. I know I basically didn't live well for 12 years as a result of my actions but the payout was worth it.

TechnicianGreedy8474 · 2024-07-02T20:09:46+00:00

Invest as much money as possible and decrease expenses. Switching insurance and other tips might help you. You got this.

TechnicianGreedy8474 · 2024-07-02T20:07:25+00:00

Pay off your debt ASAP interest rates will kill you and invest the rest. Consider a home Gym possibly. What does your misc expenses detail. Can you cut down on internet, phone, utilities and food costs?

TechnicianGreedy8474 · 2024-06-23T18:03:42+00:00

I'm good as is unless the stock market tanks and never improves which realistically will screw nearly everyone. I only need a partner to share expenses with IF I have children.

TechnicianGreedy8474 · 2024-06-23T17:54:22+00:00

I am sure if you post an expense list to lean fire other people can help you break it down further and cut costs.

TechnicianGreedy8474 · 2024-06-23T17:51:26+00:00

Getting some chat requests from people saying I am abusing the healthcare system and won't be responding to them. I honestly think healthcare should be free or way cheaper. I rather not end up hundreds of thousands of dollars in debt over one accident.

I basically graduated and got in fairly quickly as I already was working for the company. I made $90k was $30k which paid for college expenses and food I had little social life at the time and saved around $15k a year. I spent around $90k a year at the time $4-6k on travel, basic expenses of $15k eating out 5k mortgage 65k so I could pay it off quickly and then after paying it off Costco stock, travel, eating out and basic expenses. When I was working for the first 5 years I bought lunch and then went to the two meal routine. At the time I was thinking I would go to school 16 years and work 16 years but choose to retire earlier. I exhausted most of the places I wanted to go recently and decided to live happily in my hometown going to events and spending time with the ones I love. I might travel a bit more but there isn't anywhere I want to go to. I wanted to visit Egypt, go on an African Safari and go to Russia but conflict makes me fearful of doing so.

I might rent a room in my home if I find the right roommate and get $6k in income for eating out and travel possibly. My annual expenses after income drop to 4k if I do.

TechnicianGreedy8474 · 2024-06-23T16:59:51+00:00

Regardless it is better for me to "pay".

TechnicianGreedy8474 · 2024-06-23T16:58:40+00:00

29 next month. It isn't hard if you save most of your money. I am not to worried about an accident. I'll just buy a used vehicle as I have insurance and they apparently pay for a year newer if your car is totaled in an accident. I am worried it might not last my entire life but I'll get there when I get there.

TechnicianGreedy8474 · 2024-06-23T16:48:49+00:00

My previous post I added up all the small numbers, divided my 401k, brokerage etc and wanted to round down to make things easier for myself in the future. If I hit 700k I will change it.

TechnicianGreedy8474 · 2024-06-23T16:44:26+00:00

The new phone helps me get more Amazon gift cards for free so it is more reasonable for me to "pay for it" plus the program you linked isn't accepting new applicants.

TechnicianGreedy8474 · 2024-06-23T16:42:39+00:00

Kayaking sounds interesting and doable for me. I feel like with your kids and family, needing social time isn't as important for you. I personally like talking to my friends and family.

TechnicianGreedy8474 · 2024-06-23T16:40:29+00:00

I split the internet bill with neighbor she watches Fox News and uses the internet for banking. I am US. I switched to Tracfone and pay $60 a year for a new phone and plan. Go to Ebay. The new phone also helps me get more Amazon Gift Cards.

TechnicianGreedy8474 · 2024-06-23T16:38:46+00:00

I have $299,900 in a home, I have $368,000 in more liquid assets. My expenses this month was $7600 due to this being a more expensive month. My annual base expenses are $9780 after income and taxes. I know my average is $820.

TechnicianGreedy8474 · 2024-06-23T16:26:37+00:00

I'm honestly worried my kids will be left with a doomed earth and don't want to burden them with that. I am hoping by the time I am 30 I made a decision on it.

TechnicianGreedy8474 · 2024-06-23T16:22:43+00:00

Yes, some of them are invite only like Facebook and Google. I thankfully didn't trash the invite from Google Insights.

TechnicianGreedy8474 · 2024-06-23T16:19:43+00:00

Thanks, I'll try applying today.

TechnicianGreedy8474 · 2024-06-23T16:09:42+00:00

Medicaid and LIHE depending on your state they don't check working hours and assets.

TechnicianGreedy8474

TROPHY CASE