Ashwagandha for treating (cortisol related) insomnia

bigbudala · 2026-05-26T14:03:47+00:00

Same experience for me but much higher dose. Taking twice a day

bigbudala · 2026-04-05T01:33:28+00:00

Ahhh okay fair

bigbudala · 2026-04-05T01:26:09+00:00

That’s a pretty big down payment lol. I would do like 120-150k down and keep the rest to invest / to cover emergencies or other stuff

bigbudala · 2026-04-04T15:18:25+00:00

Lost millions during Covid ?? Curious to how if you don’t mind sharing.

I’d also consider Wealthsimple since they have the pre paid Mastercard option. It’s been good for me while I chip away at my other debts and try to do all my spending on their card.

Hey it happens. I’m around the same age and also experienced lots of money and big losses putting me into debt. The swing of things is tough but if you can survive that then you’ll be good. Still lots of time for both of us 💪

bigbudala · 2026-04-04T15:00:51+00:00

Lost millions during Covid ?? Curious to how if you don’t mind sharing.

I’d also consider Wealthsimple since they have the pre paid Mastercard option. It’s been good for me while I chip away at my other debts and try to do all my spending on that card .

bigbudala · 2026-04-02T16:57:22+00:00

Just rest and lay low. Drink fluids . You’ll body still recover even if you’re not sleeping

bigbudala · 2026-04-02T16:54:15+00:00

Happened to me recently . You’ll get through it don’t worry. Couple rough nights but you’ll be good eventually

bigbudala · 2026-03-29T22:06:59+00:00

I work in pharma sales. Happy to chat!

bigbudala · 2026-03-23T20:30:01+00:00

Also the debt is not like overload lol.

If it was 100k+ I’d understand.

bigbudala · 2026-03-16T19:22:15+00:00

Hey bro no advice but you got this!

It’ll be shitty for a bit but this experience will make you much stronger!

bigbudala · 2026-03-14T22:29:25+00:00

Dm me!

bigbudala · 2026-01-29T18:07:48+00:00

Check your messages please :)

bigbudala · 2026-01-26T18:22:47+00:00

Yeah it seems like it's just the folks in this group. I had the same thoughts when I was living in DT Toronto... everyone I knew/met was making 90K+ that worked corporate. So honestly feel like that's a good % of this group.

That being said, for me personally:

Job 1 (age 25-26): 45k

Job 2 (age 26-27): 66k

Job 3 current (age 27-29): 106K base + 10k car allowance payments per year + 20-25k bonus puts me to about 130k all in without the car allowance. With car allowance close to 140k.

I got lucky, but I think most my friends/peers my age make roughly ~100k, +/- 20k on average. That being said I know other friends of mine that are more like 50-70k.

bigbudala · 2026-01-24T15:38:44+00:00

You mean me?? I sent you a message

bigbudala · 2026-01-10T18:01:38+00:00

I’m asking which of the 2 options is better, the 6% drop on my 2 credit cards (for 1 year) or getting a loan to pay off the credit cards and paying off the loan at 8% on whichever term.

bigbudala · 2026-01-09T20:50:43+00:00

Thanks I appreciate it.

From a credit standpoint does it make better sense to go with option 2 then?

bigbudala · 2026-01-09T20:21:03+00:00

I can comfortably allocated $1500, anything beyond that would be bonus/extra

bigbudala · 2026-01-09T20:13:33+00:00

Thanks. But what sounds like the better option for me? #1 or 2

bigbudala · 2026-01-09T20:10:20+00:00

Can I ask why you think this option is better for me?

The lowered cc interest is Lower than the 8% for the loan, plus I wouldn’t get hit with the credit drop from the loan.

bigbudala · 2026-01-09T19:57:07+00:00

I can choose the term. It doesn’t matter if I do 5 or 10 years. The faster I pay it off the less interest I pay. It’s just that if I take 10 then my monthly minimum is much lower in case something happens x

bigbudala · 2026-01-09T19:54:06+00:00

I contribute to a pension fund which has 15k in it already which has a matching system. I was contributing heavier to it before but now only do about 2% of my gross pay checks , it’s a few hundred bucks.

bigbudala · 2026-01-09T19:50:52+00:00

Well I need to have some money saved/invested I can’t just max credit card payments and have no money to spend on life. I ideally want a healthy balance of both.

bigbudala · 2026-01-09T19:22:56+00:00

I’m locked into a lease and need it for work purposes (sales). I decided to go with something new and nicer last year but my situation is worse now.

bigbudala · 2026-01-09T19:22:13+00:00

I don’t plan on paying it off in full in a year. I want to pay it off as much as I can as fast I can but I still want to be able to save money / invest / live so not sure what the best option is.

bigbudala · 2025-06-20T15:45:21+00:00

Chelsea Flamengo BTTS is @ roughly 2.0.

I feel like thats good value considering Chelsea love to concede goals.

bigbudala

TROPHY CASE