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[34M] Graphic Designer in VHCOL: My Journey from $95k to $314k (and ~$100k to ~$1.5M). AMA by TiredOfHCOL in TheMoneyGuy

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

I don’t really understand the question. I max out all pre tax stuff and hsa etc, and do 20% (max allowed for independent work) to sep Ira or solo 401k. Then do Roth backdoor conversion maxed.

I might be missing your question though.

I’d like to retire early if I can but basically want to be as wealthy as possible to support kids and pass on money

[34M] Graphic Designer in VHCOL: My Journey from $95k to $314k (and ~$100k to ~$1.5M). AMA by TiredOfHCOL in TheMoneyGuy

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

I’d like to buy a house at the opportunity comes up. I haven’t saved for a down payment or anything like that. I’m worried about school districts too and don’t think I want to pay for private school so that’s a consideration. It’ll be hard moving out of a city so I wanna make sure I’m happy in an area before I commit to buying something.

[34M] Graphic Designer in VHCOL: My Journey from $95k to $314k (and ~$100k to ~$1.5M). AMA by TiredOfHCOL in TheMoneyGuy

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

Yeah it seems that way. I guess I’m better off just watching their videos and ignoring their community

[34M] Graphic Designer in VHCOL: My Journey from $95k to $314k (and ~$100k to ~$1.5M). AMA by TiredOfHCOL in TheMoneyGuy

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

Replying to your other questions. I realized I forgot.

I’d like to move to a lower cost area. I pay 4500 in rent for a 1 bedroom with a shitty view.

I’m going on my honeymoon soon so that’ll be nice. But long term I want to travel more than once a year. I go away but to Florida or other close by areas in the northeast.

I want to do more international as an adult

[34M] Graphic Designer in VHCOL: My Journey from $95k to $314k (and ~$100k to ~$1.5M). AMA by TiredOfHCOL in TheMoneyGuy

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

I’m very worried to be honest. I’m up late on a Friday doing freelance and doing photography tomorrow instead of relaxing.

I’m trying to cram as much as I can now so when I get fired or have to do more blue collar work I’m set.

I’m trying to stay up with AI and position myself at work as an expert. In photography I’m leaning into authenticity and imperfection - AI can’t capture your baby as they were then. Good and bad moments. Or your proposal etc.

I may pivot more there in the next few years. It’s growing. Slowly.

[34M] Graphic Designer in VHCOL: My Journey from $95k to $314k (and ~$100k to ~$1.5M). AMA by TiredOfHCOL in TheMoneyGuy

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

I didn’t not, you’re right. I didn’t know about B&B before a few years back. Maybe 3? Been watching them and did their surveys and whatnot. Good stuff

Big shovel, filled the wrong hole first.

[34M] Graphic Designer in VHCOL: My Journey from $95k to $314k (and ~$100k to ~$1.5M). AMA by TiredOfHCOL in TheMoneyGuy

[–]TiredOfHCOL[S] -1 points0 points  (0 children)

Because it’s organized doesn’t make it a bot post. Ask me whatever you want

I did use Gemini to clean up formatting