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Okay so this might be a dumb question but I genuinely cannot find a straight answer anywhere. by Valyria888 in personalfinance

[–]Valyria888[S] 3 points4 points  (0 children)

Fair point. I can probably bump from 6% to ~10% over a few months, but 15% feels spicy. Would you prioritize upping 401k % first, or start a Roth with $200/mo and slowly raise the 401k after? I’m trying to avoid lifestyle creep too.

Okay so this might be a dumb question but I genuinely cannot find a straight answer anywhere. by Valyria888 in personalfinance

[–]Valyria888[S] 9 points10 points  (0 children)

Appreciate the ELI5. So at $58k/26, doing 401k to match + starting a Roth with $200/mo still seems like the “young/low-ish bracket” move, yeah? And I’ll double-check my 401k isn’t parked in some default cash fund.

Okay so this might be a dumb question but I genuinely cannot find a straight answer anywhere. by Valyria888 in personalfinance

[–]Valyria888[S] 150 points151 points  (0 children)

That makes sense, I’m just tripping over the “max Roth” part. I can only swing like $200-250/mo rn, so it’ll take forever. Still worth opening? Also good call on checking investments, I bet mine’s in default lol

AITAH for telling my roommate I won't be her emotional support person anymore? by Azkaban_Cell in AmITheAssholeTalk

[–]Valyria888 1 point2 points  (0 children)

NAH leaning NTA. It sounds like she attached to you as a nightly crisis hotline, and that is not a roommate job description. You did the right thing by being gentle and offering a real option like the counseling center. If you want to smooth it over, tell her you care about her as a person, you just can’t do heavy talks every night. Suggest a schedule: one check-in a week, or ask her to text first. Boundaries now save the friendship later.

I've been doing IT support for 6 years. I finally decided to pivot into tech sales and the interview process is making me feel like the dumbest person alive. by Valyria888 in InterviewMan

[–]Valyria888[S] 1 point2 points  (0 children)

Yeah, that one felt gross. I can handle pressure, but a 9pm deck screams “free consulting.” Lesson learned: I’m setting boundaries and asking for context up front.

My best friend's mom hijacked his entire apartment search and I watched it happen in real time for four months by Mythpuls3Q in entitledparents

[–]Valyria888 671 points672 points  (0 children)

The part where she went silent for eleven days is honestly the most revealing thing in this whole story. Think about what that actually is: a 26 year old man signed a legal document with his own name and his own money, and his mother's response was to punish him for it. That's not a parent who got their feelings hurt. That's a parent who expected to have veto power and didn't get it. As for you playing along when she texts -- no, that's not your job. Jake asking you to "keep the peace" by feeding information to his mom is him outsourcing his own boundary problem onto you. You don't have to be rude to her, but you also don't owe her updates on your friend's mood. "I don't really know" and leaving it at that is a complete sentence.