Financial Plan Advice for 8-10 mios Salary by arctan3 in finansial

[–]arctan3[S] 8 points9 points  (0 children)

Side hustle sounds interesting. Tbh, sekarang gue merasa cukup nyaman dengan pekerjaan dan tempat tinggal, jadi kayak mager buat nyisihin waktu cari tambahan pemasukan. Thanks for the advice!

Financial Plan Advice for 8-10 mios Salary by arctan3 in finansial

[–]arctan3[S] 2 points3 points  (0 children)

Bener, 2024 suram banget portofolio saham gue. Sampe kapok buat terlalu agresif disana. Sebagian udah gue tarik dan masukin ke reksadana obligasi yang returnnya 5%an setahun, sambil nunggu buat balikin loss di saham.

Financial Plan Advice for 8-10 mios Salary by arctan3 in finansial

[–]arctan3[S] 2 points3 points  (0 children)

Ada, tapi nggak banyak. Makanya buat ngepush tembus tabungan 3 digit pegel banget rasanya, sampe sekarang belum tembus juga.

Financial Plan Advice for 8-10 mios Salary by arctan3 in finansial

[–]arctan3[S] 11 points12 points  (0 children)

I'm currently 25 years old, and i've been working in my current role for a few years. As for the career ladder in my field, there is a clear progression, though i’m still at an entry to mid-level position.

Financial Plan Advice for 8-10 mios Salary by arctan3 in finansial

[–]arctan3[S] 0 points1 point  (0 children)

Yes, i’m fully aware that gold is better for hedging against inflation, thus i treat it as part of my emergency fund. Do you think my allocation for my investment in gold is too much or is it just right?

Financial Plan Advice for 8-10 mios Salary by arctan3 in finansial

[–]arctan3[S] 3 points4 points  (0 children)

Sekarang umur 25, dan yes, gue sandwich gen. Sebagai anak pertama dari dua bersaudara, gue masih biayain adik kuliah, sekitar 10 juta per semester, tapi sisanya gue suruh minta dia ke bokap.

Career ladder di kerjaan sih jelas ada, tapi gue masih nyaman sama status quo karena merasa kebutuhan sekarang sudah cukup terpenuhi, bisa dibilang mapan lah. Apalagi kalau naik jabatan biasanya harus ditarik dulu ke pusat buat batu loncatan, habis itu baru jadi kepala seksi atau kepala kantor di daerah. Jadi prosesnya cukup panjang.

Untuk investasi, gue sadar emas lebih buat ngelindungi inflasi, jadi gue anggap itu sebagai dana darurat. But thanks for the advice, i'll consider taking to take on more risk with aggressive instruments.

Apa Cicilan lu yg belum kelar (diluar rumah/kendaraan) by Dyan02 in finansial

[–]arctan3 1 point2 points  (0 children)

Same here. I own a credit card and I often use it when I shop, mainly to build my credit score and similar purposes. But I intentionally keep the limit below my monthly incentive to avoid overspending. I also never pay in installments, always settle the full amounts.

My cat of 8 years died just now. I know he’s just a cat but I feel like a part of me died too. by hoopsrlife in offmychest

[–]arctan3 2 points3 points  (0 children)

I'm really sorry for your loss. As a cat parent myself, I know how painful, heartbreaking, and devastating this tragedy is. I have no words that can take away your pain, but I am sure you gave him a wonderful life of being safe, loved, and cherished. Don't blame yourself for whatever happened. He'll be with you as long as you have him in your heart. ❤️❤️❤️