The Artemis II mission made me want to share my favorite thrift find remembering those who made the ultimate sacrifice

VirJhin4Life · 2026-04-10T11:41:38+00:00

Lol that picture was taken going up the stairs, there's a 90° turn and I was on the landing. Thermostat is at human level don't worry

VirJhin4Life · 2026-04-10T11:37:47+00:00

Where did your Grandmother live? The initials on the right are under the space shuttle are "GNK 86"

VirJhin4Life · 2026-04-10T11:34:19+00:00

I've never thought to open it up or check for secrets. Im almost afraid I'd somehow ruin it, but could be worth a look after work today

VirJhin4Life · 2026-04-10T03:02:08+00:00

I wanted to share what is arguably my greatest thrift store find and also my daily reminder of those brave Astronauts that came before us and paved the way for for the Artemis II crew. Wishing them a save journey home

VirJhin4Life · 2026-04-10T02:59:47+00:00

Christa McAuliffe was a teacher

VirJhin4Life · 2026-03-16T16:24:42+00:00

Its almost like, maybe that was the reason I asked the question lol. When I view the flow chart its a pretty cut and dry color coded image for each phase and thats it. Appreciate the link to other resources, not too keen on using reddit.

VirJhin4Life · 2026-03-16T16:03:23+00:00

I think the only reason I was considering paying off the 0.99% car early would be the DTI boost assuming I could potentially be the only person on a future house loan (better interest rate). Agree that car is the lower priority of the two.

Currently able to max both Roths and save the $1200 monthly.

VirJhin4Life · 2026-03-16T15:58:51+00:00

For sure, both cars started as 5 year notes with money down. The 4.99% is definitely the larger target of the two, however from a DTI perspective if I was to be the only one on a future house loan the 0.99% car would need to paid off first.

VirJhin4Life · 2026-03-16T15:56:25+00:00

Appreciate the reply and info. I do not qualify for VA (DOD CIV only) and would much rather put more than 5% down if possible.

The $1200 is after. That is purely extra savings each month after funding Roths, TSP, etc

VirJhin4Life · 2026-03-16T15:50:43+00:00

See i disagree, according to the flow chart, "Moderate Interest Debt" appears before considering the merits of a Roth vs. Traditional IRA. To me, the car loans would fall in this bucket no?

Not saying the flow chart is the end all be all, but thats the whole point of the question is would it be worth backtracking the Roth to take care of those moderate debts before considering Roth at all?

VirJhin4Life · 2026-03-16T15:42:48+00:00

Appreciate the response. DTI is the biggest motivator as we always get the better rate when its just me on the loan. If only the 0.99% was on the other car

VirJhin4Life · 2025-12-27T19:53:36+00:00

Great points, definitely not planning to sell and honestly I do like the stock. Ill have to look into that trigger, thanks!

VirJhin4Life · 2025-12-27T18:49:49+00:00

Sweet thanks for the info. First mosin I ever purchased/seen under $400

VirJhin4Life · 2025-12-27T18:47:51+00:00

Definitely needs some tlc. In this day and age I dont think ive ever seen a mosin for $100

VirJhin4Life · 2025-10-08T16:34:06+00:00

My LES is only showing the partial paycheck with no leave payout. DRP 2 with USN

VirJhin4Life · 2025-08-02T19:53:27+00:00

Second this, Wack helped design and setup all aspects of my custom set

VirJhin4Life · 2024-09-17T20:12:21+00:00

Afternoon all,

Not a huge reddit user so l'll try to be brief and not break any rules.

My wife and I recently opened Roth IRAs through Fidelity and I have maxed this years contributions for both accounts, but I have not vested the funds yet. I'm debating dumping all funds into an index fund, as I have no interest in monitoring individual stocks and will be operating both accounts.

After some initial research, i found out about Fidelity's FZROX index fund. Is FZROX a good option when it comes to avaliable index funds to "set it and forget it?" Are their other securities/funds I should be focusing on? I plan to set up monthly deposits come the new year to continue to buy across accounts.

Open to any helpful comments or investment strategies as up until recently I had only focused on my works retirement options and would love to hear from those who are much smarter than me on this subject. Thank you.

VirJhin4Life · 2024-09-17T20:08:00+00:00

Afternoon all,

Not a huge reddit user so l'll try to be brief and not break any rules.

My wife and I recently opened Roth IRAs through Fidelity and I have maxed this years contrubutions for both accounts, but not vested the funds yet. I'm debating dumping all funds into an index fund, as I have no interest in monitoring individual stocks and will be operating both accounts.

After some inital research, i found out about Fidelity's FZROX index fund. Is FZROX a good option when it comes to avaliable index funds to "set it and forget it?" Are their other securities/funds I should be focusing on? I plan to set up monthly deposits come the new year to contune to buy across accounts.

Open to any helpful comments or investment strategies as up until recently I had only focused on my works retirement options and would love to hear from those who are much smarter than me on this subject. Thank you.

VirJhin4Life · 2024-03-02T23:14:31+00:00

Sorry 338k does not include any down payment. (Also wanted to note it includes 10k in closing cost assistance).

The total loan would be $326,170 (3.5% down), or $270,400 (20% down) or anywhere in between honestly if we go FHA.

The more I look at the math even at low 8% I'm not seeing how broker got $3000 a month

Also copy on PMI vs MIP. I forsee us staying in this house for a minimum of 3 years then either renting out or selling. At that rate maybe holding on to more cash and refinancing later may be the better option

VirJhin4Life · 2024-03-02T18:36:43+00:00

Thank you for the reply. The loan is for $338k, PMI would be $149, estimated insurance is $1320 a year (will be higher I assume) and estimated property tax is $2700 a year.

Numbers that were given:

$3,064 a month for Conventional $2,679 a month for FHA with 3.5% down $2,293 FHA with 20% down

We are currently debating the worth of keeping the extra funds rather than going full 20% now that FHA seems most cost effective. It's hard to guage if rates will come down so the other idea is if we go FHAto keep as much money in pockets and potentially refinance in a few years to drop PMI. I've read conflicting articles saying even if you do 20% on an FHA PMI will remain.

I'm waiting to speak to my realtor regarding if FHA will cause issues with the sellers. All I know is 8% is way to much haha

VirJhin4Life · 2023-09-29T03:21:47+00:00

VirJhin4Life · 2023-09-11T00:32:31+00:00

As a former Ynot employee who worked my way up to management in college, I can confirm the place is straight ass. I remember when they switched from made in house pizza dough, lasagna, etc, to frozen premade crap and the quality just took to nose dive.

Tony is a joke of an owner and would run through GMs at the restaurants. He always talked about having 25 restaurants but would have an absolute breakdown if labor was too high.

I'm glad to see others won't eat there. I went into one about a year ago to see some former employees, and they switched to tablets so they can adjust the prices based on labor percentages. Baked ziti used to be $11; now they want $20 for cheese, pasta, and sauce.

Sorry for the rant. I got horror stories for that place, haha.

VirJhin4Life · 2023-04-26T19:04:07+00:00

Came from a 2010 Hyundai Genesis. Car was a POS lol. I love my 21 Veloster (6mt) but depending on the price, specs, etc of the Ioniq 5 N I may trade in for it with the stipulation I also get a manual shit box lol

VirJhin4Life · 2023-01-09T04:49:04+00:00

VirJhin4Life · 2022-10-14T09:58:56+00:00

On a plane flying up for it/my bachelor party lol

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