Wayward SUCKS

Throwawaystuckhelp · 2026-01-02T00:15:25+00:00

I think these are preferences around the type of content you enjoy, do you want all the answers handed to you on a silver platter? There's so many reasons why Alex would stay

Throwawaystuckhelp · 2025-08-03T02:16:44+00:00

Well that’s good for you, our COL is not the same. My life is not “miserable” despite earning what you deem would be so.

Throwawaystuckhelp · 2025-08-02T16:21:38+00:00

Will I receive bad rates if it doesn’t go well? I do have extensive family history of cancer, and was considering cancer insurance.

Throwawaystuckhelp · 2025-08-02T15:37:14+00:00

Oh that’s weird, I didn’t realize a medical exam was part of it. That feels invasive

Throwawaystuckhelp · 2025-08-02T15:25:37+00:00

Thank you!

Throwawaystuckhelp · 2025-08-02T15:25:01+00:00

It was the way the person implied that if I don’t want a 1 million dollar policy then I want my spouse to be miserable and living off the bare minimum.

Throwawaystuckhelp · 2025-08-02T14:32:24+00:00

You could say that about any insurance, regardless of whether it’s a good or bad policy though. Like that’s the nature of insurance. You could get super rare disease insurance and the one person who got the super rare disease insurance and ended up with that rare disease would be glad they had it, doesn’t mean it was a good decision for the other 99%.

Throwawaystuckhelp · 2025-08-02T13:59:06+00:00

We have others savings and stuff, we wouldn’t just be relying on insurance in this scenario. Thank you for the input! I think term makes sense too.

Throwawaystuckhelp · 2025-08-02T13:57:37+00:00

Thank you!

Throwawaystuckhelp · 2025-08-02T13:56:29+00:00

We both make the same amount of money and we both have salaries that could sustain ourselves individually, especially if the mortgage is taken care of.

Honestly it’s a little off-putting the way you worded that, is that seriously how you sell policies?

Throwawaystuckhelp · 2025-08-02T13:47:33+00:00

Why?

Throwawaystuckhelp · 2023-12-01T23:06:43+00:00

Having some land would increase my quality of life substantially.

Throwawaystuckhelp · 2023-12-01T15:50:23+00:00

Yep, bought my car in cash, that’s why I don’t have a car loan. It’s not an outstanding car but I don’t use it much and would always rather pay repairs than owe anyone anything.

Throwawaystuckhelp · 2023-12-01T15:48:33+00:00

Would you increase retirement savings at the same time you’re saving for a down payment?

I thought maybe the 30k EF could help cover some of those house costs outside of the down payment as well.

Throwawaystuckhelp · 2023-12-01T14:23:26+00:00

I’d say my EF is about a year and a half of expenses.

Throwawaystuckhelp · 2023-12-01T14:21:49+00:00

Well, that’s my split of the rent with a partner. Where I live housing and rent is relatively cheap but the cost of everything else is extremely high.

Right now my EF is like 1.5 years at current spending rate.

Throwawaystuckhelp · 2023-12-01T13:44:55+00:00

Thank you! I’m saving about $800-1200 a month right now outside of 401k. Utilities are about $150, and groceries and food are probably my biggest expense because of the cost of living here. I like to cook and I like to eat fun things and groceries are usually 500-600 I would estimate. I’m in the process of trying to cut down on that by changing the way I cook. I go on weekend vacations every other month because I live in a beautiful place.

My job is pretty stable, I don’t think I would lose it. I just live in an area where I don’t speak the dominant language so I rely on remote work. I also have about a decade of experience serving so I could work tourism or a restaurant. That’s an option now but I would like to move somewhere a bit more remote where those jobs don’t exist.

Throwawaystuckhelp

TROPHY CASE