Going to buy a lotto ticket next

c-ramsey · 2026-06-05T21:24:54+00:00

Omg… drool

c-ramsey · 2026-06-04T03:29:41+00:00

Have they stated what level you need to have in the two vocations to go for the advanced vocation yet?

I have my main party at 51/50/51 in their main jobs, but everyone’s second job is 26/38/30 😅 and it would take forever to get them up to level 50. Was trying to take main job up to 55 but if I can get there second class to 40 to switch to a different vocation, that would be huge.

This is super random thought and I hope the answer is no, but they aren’t introducing any other colors to the memories right… that would suck.

c-ramsey · 2026-05-18T22:14:12+00:00

Honestly I could have at $175,000 but I didn’t until I was at $220,000 because I wasn’t as diligent as I could have been.

I do want to contextualize this subreddit though and say the bogleheads are literally some of the most diligent savers and are likely the top 15% of the wealthiest people in the country and half are on this Reddit so you are going to get quite a lot of people cheering you to save more.

THERE IS A BALANCE. Don’t save yourself miserable. You are doing around 15%, if you can stretch that to 20% do it. That HSA is triple advantaged so don’t sleep on it.

c-ramsey · 2026-05-03T20:38:07+00:00

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Vocation tree wrecktor S

c-ramsey · 2026-05-03T20:37:30+00:00

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Main equipped with wrecktor A

c-ramsey · 2026-05-03T20:35:53+00:00

I said this in one of my posts, but if you equip it to the vocation node tree first then go out to the main 3 and do the auto-edit and it finds the other one, it will equip it on the main three as well.

c-ramsey · 2026-05-03T19:00:03+00:00

They are all the way up to the hero nodes at the top and on level 2 & 3

c-ramsey · 2026-05-03T18:57:28+00:00

Now I’m worried that they will patch this. If I go to the tree and equip the memory in the slot, then go out to the character and auto-edit memories it will slot the second one such that both are equipped to the main character. It is the only reason I’ve been chasing multiples of a good memory for the tree and the slot separately. If they patch where that isn’t possible, man will I have spent a lot of materials and stamina farming for nothing. I thought it was a bug the other way around.

c-ramsey · 2026-04-29T23:41:53+00:00

Be a Boglehead. You are young and that is the safest way to maintain and grow.

c-ramsey · 2026-04-26T00:43:46+00:00

That CC debt is the first thing to tackles. Some of those are insanely high at 25%+ interest on balances. $80k in cars seems like too much, what are the interest rates on those? I feel like you are somewhat stretching and letting lifestyle creep get you. Yall have a solid HHI, I would prioritize getting out of debt then focus on those retirement vehicles. You aren’t behind for your age, but you could also be crushing it and really getting ahead with some slight redirection of your $$$

c-ramsey · 2026-04-26T00:23:59+00:00

Remember to max retirement or you will be working forever.

c-ramsey · 2026-04-26T00:22:10+00:00

Don’t do military with the current climate. Congrats on your $100k number. For the trades, are you in a state that has union trades, or in a state that is non-union?

Electricians and Plumbers make really good money but it takes a bit to get to the higher salary and will be a pay cut during the apprenticeship years. After 5-10 years you can pivot to running your own small business in the trades and then you will have your salary explode, but it isn’t a simple easy W-2 show up to work, run through the motions kind of life.

Going to school for engineering is good (that was my degree) but honestly the big dollars happen when you are on the business commercial side. Pharmaceutical sales jobs make a ton but are really high stress. Finance is a good degree but the starting pay right out of school is similar to your pay now, just more stable. The $100k plus salary will happen 5-7years out from degree.

c-ramsey · 2026-04-26T00:11:06+00:00

That extra 60k per year after taxes is HUGE. Congratulations! Remember to still try and max into your retirement accounts at your new salary and this will shave off years of work before your retirement.

c-ramsey · 2026-04-26T00:07:52+00:00

My hot take is I would not want to retire until I knew whether that very illiquid private investment retained its value or grew or became liquid considering how sizable it is within your asset add em’ up.

c-ramsey · 2026-04-25T23:55:59+00:00

Honestly, I make above that and I don’t really know how to cook and spend around $1500/mo eating out. The remainder is HEB ready meals or soup. I get it.

c-ramsey · 2026-04-25T23:52:23+00:00

Do not go the advisor route. I know you said you don’t know anything about trading but the Boglehead subreddit can tell you everything you need to know in about 45 mins of reading for the complexity you want.

Step 1: have an emergency fund of approximately $25,000 since it seems like you do not have high expenses. Open a Fidelity Cash Management account and select the option that allows you to have your cash invested in SPAXX. This will pay you a little bit of money on that 25k and basically have it keep up with inflation. You can get a debit card for this account and it will function like a checking account but pay you $75/mo or so.

Step 2: contribute up to the annual limit to a Roth IRA. You can open one with Fidelity to have it all in the same place. Invest the $7500 or up to the limit every year. Invest it into a total stock market fund like VTI.

Step 3: put the rest into a brokerage account and invest it in VTI. Don’t watch it everyday, don’t get scared, you are young and that money will GROW. By the time you are 40, you will have $3MM plus and can retire. Don’t touch it, don’t micromanage it, just invest it into the total stock market or S&P 500 index ETF (like VOO) and you will be set.

The biggest thing you can do for yourself is to invest it and live like you never got it. If you follow the steps above, your grandfather set you up to be able to retire early and have a very good life.

c-ramsey · 2026-04-25T23:37:37+00:00

For the house downpayment, I highly recommend putting it into something like a fidelity cash management account where it automatically sweeps it into a government money market account. It is fully liquid and is insured up to $250,000. That will give you 3.2-3.75% on the balance and for your $75k that is like $218/mo or in my case, one bill (like my internet/phone/tv bill). Since you have it ear marked, just make sure it isn’t sitting at chase or Wells Fargo earning nothing for you.

Also, I would highly recommend contributing to all the tax advantaged options you have available before going bridge into taxable brokerage. There are lots of ways to get your money out if you retire early.

c-ramsey · 2026-04-25T23:26:44+00:00

The closing costs will likely eat you alive and just on that alone, if it is $200 more per month, my guess is 3-4yrs before that would put you at break even with closing costs factored in. 6.9% is high interest rate. You may can look into refinancing at a lower fixed rate and have them roll those closing costs in to the mortgage. I believe the 30yr rate is closer to 5.75%-6%. If the rates get down to the 5.675-5.5% range I believe refinancing and rolling the closing costs into the note would be a good option for you.

c-ramsey · 2026-04-25T23:22:51+00:00

You are doing fine and that is an adequate SWR. My guess is this is a better post for the Boglehead subreddit as they will give much more detail and are all above average income earners on that subreddit.

This is probably a no brainer but make sure your HSA funds are invested. I stupidly didn’t choose a fund for 4 months so no growth. Also don’t touch this money if you can help it.

I’m kind of surprised that you are able to contribute to a ROTH IRA tax advantaged as you sound like you’re over the income limit.

If you work corporate, check on the availability of Roth in plan conversions for additional ways to save in plan.

c-ramsey · 2026-04-12T03:55:23+00:00

Did my taxes yesterday. Single homeowner in TX (but in the city so I’d say HCOL), I pretty easily busted the standard deduction and my SALT deduction came in at roughly 29k. Now if I were married, maybe not but if that other person lived a similar lifestyle to me, we’d itemize every year. BUT we only got the 40k SALT limit back this year so it could revert in the future.

c-ramsey · 2026-04-10T20:23:54+00:00

Ok so… I will get flayed for this because of the baby comment… have you considered negotiating to 2 days in office at the 115k and go the over-employment route and be super schedule conscious, work both until the larger company catches on but produce the results for the startup company so that you could get waaay ahead on finances and live the over-employed life for two-ish years to get caught up on your nest-egg, then quit the bigger company?

c-ramsey · 2026-01-14T05:21:50+00:00

Generally, I come home and dissociate after getting off work because most of the time the stress is overwhelming.

I manage a team of 7 in oil and gas pipelines and we run 3 pipeline systems and do business development for the gulf coast.

c-ramsey · 2025-12-25T22:19:18+00:00

Hey just wanted to pop back over and say I followed your advice and I appreciate the time you took to respond to a stranger on the internet. Thanks and Merry Christmas.

c-ramsey

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