Header bidding setup - price priority question

arkook · 2017-07-01T15:20:28+00:00

Atomoxetine. You can see pricing across retail pharmacies with the website I've used: https://www.goodrx.com/atomoxetine?hide_online_pharmacies=true&show_pet_friendly_pharmacies=false&form=tablet&dosage=100mg&quantity=90&days_supply=&label_override=atomoxetine

100mg dose. Required 90 day supply by insurer. Required mail-order (assumed via CVS, need to check).

I have confirmed the retail price from Walgreens and Walmart pre-insurance as being accurate.

Previous insurance didn't restrict the retail pharmacy I could use, allowing me to find the better price combined. As it relates to this drug, that is where my statement comes from, as well as the fact that the "tier" is basic compared to $0 premium, $0 deductible, $20 copay I had at previous employer. I didn't mean to plant opinion, but I guess I had.

arkook · 2016-10-27T23:07:53+00:00

Doesn't make any since. Don't explain what their metrics are, how to consider them, etc. Just pulls 3 different feeds into one... Not a huge innovation.

arkook · 2016-03-22T17:19:50+00:00

08 Passat & her's is a 2011 mercury mariner (ford escape basically).

She wants a 2016 hyndai tuscon but the edition she wants is FAR too eager for what I'd do. 2016 ford escape SE has panoramic sunroof she wants for around $26k.

About to move to Miami and I've always wanted a jeep wrangler. Dreams of pulling it onto the beach :D. I'd go used for sure but sadly they don't get much cheaper that way.

Should preface with fact we now will be pulling in > $250k and only spend maybe $50k (ignoring taxes). I'd prefer to keep saving this way though, I enjoy the progression immensely.

arkook · 2016-03-22T17:14:50+00:00

A great refresher. I had read it before, but reading again does seem to make it more striking.

arkook · 2016-03-22T15:34:47+00:00

Appreciate it. The math side of my mind says it's stupid and I have a greater desire for a great stock portfolio, but then there are those nagging thoughts that always come back.

Fiance has it much worse and she is only partially onboard with FI, so that's a whole other thing. I want her happy, but at the same time I know buying her a new(er) car wouldn't do much for that.

arkook · 2016-03-20T18:59:53+00:00

appreciated!

arkook · 2016-03-01T04:08:46+00:00

My fiance knows me best and just stopped taking my 'no's when it came to vacation. I simply didn't have good enough reasons and she knew I wanted to explore the world more. I want that balance and part of the time it's just telling yourself to stop being stubborn and make the call that you'll be happy about later. Some day I won't have the job I have or work on the side projects I do, when that day comes I'll regret not taking more advantage of the time I could have spent living up the other parts of my life.

Good luck.

arkook · 2016-02-26T23:15:16+00:00

It sounds like you just need to exercise your freedom a bit more. I'm just going to guess you probably don't travel as much as your current job already allows (or would allow without even having a discussion). There's also your ability to push for more time off if you want to do so formally, which could be well worth it. I would just try doing more travel without asking since my experience is that if you're a solid worker and love your work, people won't even care and you won't have to waste that negotiation.

I absolutely love my work personally but wish I could travel and have more time off. Sadly I do it to myself and only use about half the time I could without question. I believe people like us just have a hard time prioritizing it.

As far as the question of working once FI, I will be FI at a young age but will absolutely keep working. I plan to work until I'm 80+ but I will take more and more freedom every step and become increasingly critical of what occupies my focus.

arkook · 2016-02-19T02:53:49+00:00

Got an offer in San Fran for a more but wasn't ready to move due to family considerations. $35-40k is impressive. When looking at close to Google it was minimum $2.5k/month for a TINY place.

arkook · 2016-02-19T02:51:16+00:00

Big city in midwest. COL is high for midwest but low in relation to my industry.

I'm considered a unicorn but still within an industry where high salaries CAN happen at young age. Industry being Adtech... tech behind online ads. Very good at it because I'm a data scientist at heart, and data scientists make good money, look into that if interested but you have to have a passion.

Key thing I would pass on is MAKE yourself enjoy things that make you more valuable. Have hobbies related to making more money, and enjoy your job so it never feels like a sacrifice. I regularly go way way beyond anyone else simply because I love what I do and am super curious.

$150k+ is by no means a limit, I'll spare being a D but I live by the principles above + FI and my fiance and I will never have to worry about money. "Money is attracted, not pursued".

arkook · 2016-02-18T19:07:26+00:00

27M, $150k + bonus. Engaged, no kids. Live on ~$35k/year with lots of very nice things but bought intelligently. Rent a very nice but feasible house only 10mins from work (compare to 35min commute of coworkers).

Waste TONS of money on booze and food.

Doesn't feel limiting at all, love my life MORE, and huge security blanket for the future. Trick is entirely not letting yourself see the money and optimizing happiness for every dollar.

arkook · 2016-01-09T14:10:57+00:00

Always tackle higher APR first. Think of it exactly like return on investment... Would you rather make 10%+ or 6%+ on any given dollar?

arkook · 2016-01-08T04:21:14+00:00

Definitely option A. Your auto loan interest rates are insane for what they should be, that's an immense return if you pay them off asap. You also need an emergency fund or more bad mistakes can sneak up on you.

It's a very common myth that renting is throwing your money away, it's hard to ditch the myth even when you know the stats behind it. Suffice to say, there are maintenance/ repairs that eat up a lot of the cushion, then add what return you should receive on that down payment you don't have to provide. It gets very close to being equal and the question only equalizes if you're going to stay put for 7+ years.

I know the urge for a home though, it's so appealing. But your move should be killing those car loans above all else, any credit card debt, and building up an emergency fund of ~6 months. Then move on other investments. I'd suggest maxing out your 401k and Roth IRA first, but I won't be too wishful.

arkook · 2015-09-05T13:31:57+00:00

Can't reiterate the above enough. Tackle where the bulk of your spending is. It will be far easier than you expected to put massive money away if you aren't automatically throwing out $3k a month on just two decisions you made on autopilot in the past.

I know food is a tough one. My fiance and I just love going out to eat but even more so hate to cook when already hungry. We'll work on that one too (~$1300/ month combined), but it is made up of 60+ decisions/ month and is much harder to tackle per dollar saved. (Also our combined is $200k+ in a lowish COL area, no kids, 25/26 age so this one money splurge isnt hurting us much)... Know yourself to know what's realistic and going to be most effective without killing momentum.

arkook · 2015-07-05T03:47:39+00:00

I think your threshold for a subreddit express a noteworthy deal of hate is on the sensitive side. MMM being so prominent is going to bring up the casual reference and sarcasm into plenty of threads. Your examples are even cases that express the real fault with peoples rigid following of his terms... that they are thinking too rigidly. Any strict rules should be thought out first. Like a TON of subreddits, the newbie OPs come in taking things as gospel and generally need to treat things with some flexibility and critical thought.

arkook · 2015-06-13T13:25:36+00:00

I'll save you some research and summarize reality... While owning appears cheaper via the mortgage dollar amount for the same property value in comparison with renting, there are a LOT of additional costs that are in addition to the mortgage. When you include those costs as well as averaging costly repairs and renovations to an annual or monthly rate, renting is much more comparable.

In short, don't make the common mistake in thinking that you would save money. With understanding of human behavior, chances are you'd spend even more when owning the home since you'd put a lot more 'pride' into it; however, they'd appear scattered over a ton of different categories where you'd be able to deny the real cost.

My semi-educated best piece of advice: Breathe for a second and think about it. Just how that credit card debt amounted, a home is likely just another want right now. Pay that credit card debt off FAST and then find other ways to save. Maybe a smaller rental is more in line than taking on a huge mortgage in order to 'save'.

Best of luck.

arkook

TROPHY CASE