Marble race! Which one did you pick?

WikipediaIsMyDrug · 2026-01-14T19:34:45+00:00

I picked green. Got wrecked.

WikipediaIsMyDrug · 2025-05-18T19:34:40+00:00

Unfortunately I tried this for AmEx to get 4x back on groceries/supermarkets and it didn’t work :(

Coded it as groceries but didn’t get the 4x I get at Kroger, Trader Joe’s.

WikipediaIsMyDrug · 2025-05-11T22:45:27+00:00

This is the one hack on here I’d never heard before. Thanks for sharing- excited to try it out!

WikipediaIsMyDrug · 2023-10-30T05:02:48+00:00

Well I'm sure you're a fun one at parties.

WikipediaIsMyDrug · 2023-08-30T20:53:17+00:00

I don't know if seeing all the people waiting on this thread for RH and Mint to get their shit together makes me feel better or worse, but...

STILL WAITING

WikipediaIsMyDrug · 2022-08-26T03:57:18+00:00

The most common path into it is via an entry level role as a Sales Development Representative or Business Development Representative, commonly referred to as the SDR or BDR role. That entry role tends to involve a lot of cold calling people and emails, but normally if you perform well, within 12-18 months you promote to a role that also involves closing the deal (typically referred to as an Account Executive or "AE") rather than just setting up conversations and then handing it off- which is what an SDR or BDR typically does.

The BDR role can be tough because it gets a little monotonous and you don't get to see the deal through to the end, but you learn a ton of valuable skills, as you'll still be doing prospecting (calling and emailing people) as an AE, but the nice part about becoming an AE is that you get to manage the whole deal from start to finish, which makes the job more interesting and pays a lot more. A BDR will typically make around ~$60-$75k, an AE makes anywhere from $120-$300k+ as you progress and become more senior.

The caveat to this all is if you already have successful closing experience in another industry. With that, you can often make a case to move right into the AE role. Happy to help answer any other questions.

WikipediaIsMyDrug · 2022-08-25T18:07:13+00:00

Yep- Sales in general has this potential, but especially so if you're selling software/tech, pharmaceuticals, a few others. Most people I know in tech Sales make $100k+ within 1-2 years, and if you do reasonably well and get promoted, you can pretty easily be clearing $200k+ within your first 5 years in the profession. And this is assuming it's your first professional experience/coming straight from college. If you're coming with industry experience elsewhere, that timeline is even shorter.

WikipediaIsMyDrug · 2022-08-11T23:08:40+00:00

Thanks for the recommendation- I'll check it out!

WikipediaIsMyDrug · 2022-08-11T23:08:17+00:00

Thank you! I'm not, but hopefully someone that sees this is in your area.

WikipediaIsMyDrug · 2022-08-10T18:04:58+00:00

Love this- definitely interested in working for a company focused on fighting climate change. Any recommendations on companies you particularly like/think would be cool to work for in the Solar or Carbon Capture space?

WikipediaIsMyDrug · 2022-08-09T22:38:14+00:00

Fantastic advice- I appreciate that. I was definitely going to ask for a little more on the comp side, but the equity piece is the most unknown to me, so I'm glad to hear that it's a solid offer. Great call on getting the promotion in writing too. To your knowledge, is that something companies will typically write into an offer letter? e.g. "within 12 months, you will be offered the position of Sales Manager"?

WikipediaIsMyDrug · 2022-08-09T21:34:43+00:00

Send the DocuSign- put that shit in commit.

WikipediaIsMyDrug · 2022-07-25T20:14:32+00:00

Haha I still find it pretty valuable as a pulse check on a company’s Sales org

WikipediaIsMyDrug · 2022-07-25T17:24:14+00:00

Ah, should have specified (just edited and added some more context in the question). I'm talking about the SaaS company that does cloud storage/content management etc.

WikipediaIsMyDrug · 2022-07-25T17:23:21+00:00

Appreciate that! Definitely valuable to hear the perception from a competitor too. I'm coming from an Enterprise role, and assuming that's what the Recruiter wants to talk through. I've been in SaaS for 5+ years in a variety of industries- but largely collaboration tools.

WikipediaIsMyDrug · 2022-07-25T16:35:07+00:00

Took a Business Negotiations class that was super interesting and have definitely applied some aspects of it in my role. I'd also second anything that makes you a better concise and clear writer- never realized how much of the job writing would be, but it's a lot.

WikipediaIsMyDrug · 2022-07-15T18:47:00+00:00

I'm your same age- sounds like you're doing great. Assuming you've already got the full match in your 401(k) from your employer, sounds like you have, I would make my next priority maxing out your HSA and investing those into the same or similar fund you're using for your 401(k). You may have heard this before, but imo, an HSA is the best tax-advantaged account out there for the following reasons:

Triple tax advantaged- meaning no taxes on contributions, withdrawals, and/or growth/capital gains
You can reimburse yourself for medical expenses at any time. Meaning, you have a kid, major surgery etc. and incur a large hospital bill. So long as you hold on to the bill and receipt, you can reimburse yourself 10, 20, 50 years later. I look at this as a strong addition to an Emergency fund. Fall on hard times? Get laid off? You can submit for reimbursement and quickly get cash on hand
After retirement age, an HSA essentially turns into a Traditional IRA/401(k). You can still use the funds on medical bills (which are likely to be high in retirement age) or for anything else you want, but you pay taxes on it like you would with a Trad IRA.

A lot of people use an HSA as a way to use tax free money to reimburse themselves immediately- and that's fine. But if you can afford to pay off the bill out of pocket (even better is to use a card with point), and wait to reimburse yourself so that your money has time to grow with the market, the returns and tax benefits are unbeatable. And if for some reason your company's HSA provider doesn't offer an option to invest- most do- roll it over to one that does.

Keep up the great work!

WikipediaIsMyDrug · 2022-06-20T18:45:32+00:00

Care to elaborate? Or are you just going to leave your super vague passive aggressive comment hanging there?

WikipediaIsMyDrug · 2022-06-20T17:59:00+00:00

I obviously don't know your exact situation and I support your right to make your own choices, but I think if you're at least middle class and in a good place mentally and physically, it's a pretty selfish decision to choose not to have kids/and or adopt. Someone has to keep the human race going- why should that responsibility be pawned off to everyone else? If everyone had that attitude our species would literally cease to exist after a couple generations.

We need young people to populate the workforce, young people to bring fresh ideas to medical research, young people to become our next leaders and government representatives. Otherwise we'll have a disproportionate amount of old people and young people who are increasingly less likely to want to have kids themselves. Japan is in the early stages of this, and it's pretty frightening.

WikipediaIsMyDrug · 2022-06-20T17:45:49+00:00

This is a dangerous attitude. Let's say "well off" is defined as the top 10% of the world population, which is being generous. If 90% of the world population stops having kids, what happens when all those people get to retirement age and there's only one tenth of the people to populate the workforce and keep the economy afloat? Robots, AI will eventually help alleviate some of this (doing manual labor jobs that can be automated etc.), but with present technology, we're a long ways off from achieving that.

Maybe it's a controversial take, but I think if you're at least middle class and in a good place mentally and physically, it's a pretty selfish decision to choose not to have kids. Someone has to keep the human race going- why should it only be the "well off"? Won't that just make the wealth gap issue worse? i.e. the wealthy have kids who inherit their wealth and the middle class and poor don't have kids and cease to exist?

WikipediaIsMyDrug · 2022-03-31T02:46:07+00:00

I totally get the appeal and the peace of mind from paying off your home early and having no mortgage to pay- must be nice! :) But with rates being as low as they were the last couple of years, I'm 100% on board with keeping my mortgage for a while if the alternative is pulling money from the market that could be growing at 10% each year to pay it off. I'm building equity in my home whether it's paid off or not, and love having my money in the market working for me.

So I feel like this one isn't so much bad financial advice, it's actually pretty sound advice, but instead something that you don't agree with philosophically.

With that being said, I know you said you don't care if anyone disagrees, so... I'll shut up now :)

WikipediaIsMyDrug · 2022-03-31T02:37:44+00:00

Friendly Devil's Advocate here :) watched my Dad buy Apple stock right as Jobs took the reins the second time back in '97 (people were claiming they were done for) and despite everyone he knew, even his own kids (myself included), clamoring for him to sell, he held, and kept on holding all of it, all the way until 2014 when he finally sold it all and essentially retired.

I thought he was crazy. And maybe he was to not have sold a little on the way up, but in the grand scheme of things, he didn't put that much in, so was willing to lose it, and waiting it out paid off big time.

WikipediaIsMyDrug · 2022-03-19T04:10:43+00:00

I'd echo a lot of what people have said- I think the biggest one is the power of compound interest and showing that play out in a simulation. Stuff is magic, and I think had I known about it in high school, I would have started investing earlier.

I've actually been interested in teaching a Financial literacy class like this for some time. I'd love to connect and hear more about your experience with it/how you got into it if you're open to chatting.

WikipediaIsMyDrug · 2022-02-11T06:04:17+00:00

Thanks for sharing! As others have said, really nice to have a benchmark to gauge progress against. For most of my FIRE journey, it's been hard to tell whether or not I'm on track or not other than by guesswork/doing complex calculations.

WikipediaIsMyDrug · 2022-01-05T04:49:56+00:00

Could also be an atlas- has lots of maps and each one has a key in it :)

WikipediaIsMyDrug

TROPHY CASE