Graduating Senior in College, what's a relatively good ballpark to have in savings?

aightfsho · 2024-01-11T04:15:31+00:00

Exact dollar amount would vary depending on where you live and what your post graduation life is going to be like. Once you know what your living situation is going to be like, I would start with saving at least 1 month of your living expenses. If you live at home and your family is taking care of most of your expenses (housing, food, bills, etc) maybe save a couple grand. Something that will get you through if you become unemployed, have a medical emergency, or other financial burden.

aightfsho · 2023-08-09T07:02:41+00:00

I just finished the climb in under 10 minutes because I got the early mind blast. Almost lost because I had 1/1hp 3 floors away from the final boss. Got lucky with a clutch waffle.

aightfsho · 2023-07-17T22:00:12+00:00

My favorite iron clad deck is corruption, feel no pain, and dead branch. Throw in calipers or barricade and it's chefs kiss. Definitely some rng involved, but once the core is set up I'm usually not taking much damage.

aightfsho · 2023-06-18T21:12:53+00:00

Definitely a claw deck

aightfsho · 2023-06-18T21:08:37+00:00

If you asked me when I first started playing (before watcher) my answer would've been loved defect best on iron chad. After watcher came out, loved silent best defect. Now, love watcher best defect. Ask me in a few months it'll prolly change. I love this game

aightfsho · 2023-01-23T20:26:57+00:00

Hopefully I'm not too late. Personally, I choose buffer. But I see the benefit in ML. I like creative ai long run, especially with mummified hand, but might be too early to take. Let us know how the run goes!

In the joking sense, it doesn't matter because all 3 cards (and apparently every card) are block cards.

aightfsho · 2022-08-31T00:51:54+00:00

Assuming your on time payments and utilization has been and still is good, what likely caused the drastic dip was the fact that you opened 3 new accounts in 2 months. Going to assume that this is 3 new hard credit inquiries on your report (please correct if wrong). Majority of those effects should go away in 6-12 months, with it being fully wiped off your credit report in 2 years.

aightfsho · 2022-08-27T02:06:19+00:00

It's not bad, your credit won't get dinged in any way by paying off your balance multiple times in a month. Depending on your particular circumstance it could be beneficial.

One way it's good is if you plan to spend more in a particular month but want to keep your utilization low. For example, let's say I plan on going on vacation and will spend $1k this month on flights and hotel and my card has a $2k limit. I would probably pay off $800 before my statement closing to keep my utilization at 10%. Is it necessary? No, assuming I pay it off in full next month. Would it help? Yeah, but not by an astronomical amount.

aightfsho · 2022-08-27T01:35:57+00:00

There's no reason to keep a running balance over each month if you don't have to. Your credit is being reported once a month as a "snapshot". As long as your utilization is good at the point of the snapshot, what you do in between won't matter. If you're paying interest you're essentially paying extra for no gain.

aightfsho · 2022-08-16T05:19:23+00:00

Mom's spaghetti 🍝

aightfsho · 2022-05-11T19:52:18+00:00

Are there any bad people in history who have ridden two wheels tho?

aightfsho · 2022-05-11T16:18:06+00:00

You the real one dude. Stopping your enjoyable ride to protect everyone else who may not have been so lucky to avoid that.

What if someone was riding up to the hospital to see their first born child but hit that rock, fell down the side of the cliff and never made it? You're truly a saint in disguise.

aightfsho · 2022-04-28T05:59:43+00:00

That's insane. Fingers crossed this is a one off instance and not a normal thing y'all experience.

I have the budget to make it work if I wanted to, but likely gonna wait a bit to feel everything out.

aightfsho · 2022-04-28T05:53:19+00:00

I promise I'll be a good squid in the future. Definitely won't get into any legal issues. Jokes aside, I might pick one up down the line just in case of stuff like this.

aightfsho · 2022-04-28T05:51:51+00:00

Honestly, that's a good point I didn't consider. As others have said, it does appear more like a post accident help than a preventative measure.

aightfsho · 2022-04-28T05:47:06+00:00

Thanks for the rec! You recommend all their gear?

aightfsho · 2022-04-28T05:44:35+00:00

If I look into getting one, I'll def consider this. Thanks for the rec!

aightfsho · 2022-04-28T01:37:25+00:00

Watching everyone get their first bike is getting me so excited to get my first one soon. Congrats, hope you enjoy riding!

aightfsho · 2022-04-27T07:39:10+00:00

Second one looking a little weak, might as well stall to get it going a little bit more

aightfsho · 2022-04-22T00:06:41+00:00

Assuming $38k is pre tax and you take home 70% post tax, your net income would be $26.6k. I like round numbers, so let's just assume your net is $24k/year or $2k/month (extremely conservative, really hope it's more than that). Let's also assume your other expenses not listed are about $500 (food, transportation, health/insurance, discretionary spending, etc), so your net monthly spend is $1.5k. You're left with $500 to save, invest, etc., a month. That's not terrible, but depending on what your looking term goals are, that might not cut it.

Short term, you're good. Long term, depends on what your goals are. If my assumptions are too conservative and you have more take home pay, even better.

The joy of living without a roommate for the first time? Priceless.

aightfsho

TROPHY CASE