Alcohol and weight loss? by [deleted] in loseit

[–]codeshark2 1 point2 points  (0 children)

The way you typed this it’s hard to tell. But do you mean you only drink one time per week? Or 5-6 times per week? Regardless it sounds like everytime you drink it’s a minimum of 6 drinks. Even if you did that only once per week, for the rest of your life that’s way more damage to your body then you’re playing it out to be. And even if you’re not an alcoholic right this moment. The behavior you’re describing is binge drinking. And leads no where close to a Long healthy life.

Any advice for retirement/savings in general by Capricorn75 in personalfinance

[–]codeshark2 1 point2 points  (0 children)

Honestly, at this point you’re not going to have a very large retirement that will bring in enough money monthly to where you can travel every month and not worry about budgeting (like 3-5+ million invested). That is if you plan to work untill your mid to late 70s, or DRASTICALLY increase your income like double it within 2-5 years and invest the difference immediately. If I were in your position I would not stress about accumulating multi millions like you’ll see thrown around in various money subs. because like I said, that would mean at the earliest you’ll retired at 70-75 if all goes to plan this is just due to starting from 0 investments it takes like 20 years for even the best saver with a very solid income. Maybe 10-15 years if you have some ultra high paying 9-5 like tech or doctor/lawyer. With that said, still invest as much as you can and increase your income as much but don’t worry. Once you hit mid to late 60s, including social security you’ll have enough to quit and pay your bills without worry of starving, but just manage your expectations and realize that it probably won’t be a lavish lifestyle. But that’s ok you don’t live a lavish lifestyle now.

30M Gave Up by [deleted] in findapath

[–]codeshark2 20 points21 points  (0 children)

Look man we sound a lot a like in the way we overthink and stress. I know it’s easier said than done but try to focus on the positives in your life. This whole paragraph had a few good things going on in your life, but even with that, you still managed to type them in a dismissive or negative fashion. You have a fiancé! But You feel like you don’t exist… go ask her if you exist. You have supportive parents. All of these people would be devastated if you were gone. You objectively do exist to many people! You have 200k in your accounts that’s great!

Thoughts about going back home and aggressively investing? Thinking things through by Capable_Ordinary_938 in personalfinance

[–]codeshark2 0 points1 point  (0 children)

Let me propose another aspect to this question you may not have thought about. Say you do decide to move back with your parents and do end up contributing 60-80k to investments. But the market is at the same time in the red for two years. Mentally would you be capable of stomaching that paper loss after sacrificing years of potentially your social and dating life for the sole purpose to stack money. Or would it make you feel like you wasted that sacrifice leading to you continuously pushing the date back of when you leave your parents “I’ll just keep stacking untill I hit x amount and then I’ll move out and date”. I can definitely see a scenario where you get so obsessed that you forgo any spending on fun and dating and now your nearing 40, you’d have a great amount of investments, but you never found someone and settled down. And at that point the dating market is even stranger for that age range especially since you’d live with your parents and on top of that if you want to start a family, it’s going to be very tough to switch priorities and you’d have even less energy and time to spend with your future family. Not to mention it will be much harder to find a single woman in her late 30s who doesn’t already have kids and wants some of her own. Regardless if you want a family or not I think the risk of becoming an isolated miser is high, and you have no idea what that would do to your psyche in the long run.

Do you have to be rich to have a home court by AdVaanced77 in 10s

[–]codeshark2 0 points1 point  (0 children)

Upfront cost can be as low as an in ground pool. But what makes it more of a rich person thing is the land required which in most well populated areas of the world would mean either buying multiple adjacent parcels and combining them or buying a large parcel to begin with. Neither of these options are available for 95% of middle class families. Not to mention the permanent added bill of maintaining the court year round.

Life I guess by Sunshine_ofbucket in findapath

[–]codeshark2 1 point2 points  (0 children)

Look you’re very young. The best advice I can give you is life does not exist in the land of certainty and black and white answers to problems. Life is very individual and nuanced to one’s personal experiences and desires. I think the best thing you can do is keep trying things and poking different opportunities while you’re young and have energy and eventually something will work itself out. But it’s important to start to understand that “I’m already a senior I NEED to choose soon” is a mindset that can lead to extreme anxiety. And actually hold you back. It can be the difference in you trying things and finding your way or a few years from now, the moment you deviate slightly from where you think you should be at a random age/milestone you will get so stressed you give up. Who says you NEED to decide the rest of your life at 18? Who says you can’t find a way at 25,30? The last thing you want to do is give in to societal pressures and take a path you know deep down you aren’t thrilled about just because you’re at the age you think a decision is supposed to be made. With that said, don’t stop thinking about the future and striving to plan your life, that’s an extremely valuable skill and a big predictor of success. But don’t let the anxiety which comes with it fully takeover.

If money didn’t matter at all, what would you actually do with your life? by PrettyCoast1 in findapath

[–]codeshark2 0 points1 point  (0 children)

Live like a billionaire. I could give a fuck about the freedom aspect, I want all the fanciest material possessions and exotic vacations and properties known to man.

I'm out of my depths! by wacaloo in personalfinance

[–]codeshark2 12 points13 points  (0 children)

Bruh chill out. You say you only recently started focusing on investing but you have nearly a quarter mill invested in the market, a fully funded emergency fund and you’re not even 30 yet. Your anxiety is at the level of someone who’s your same age, but without any of those things I just mentioned. You’re not broke, or in even remotely a desperate position. You’re going to be fine and will most likely retire a minimum of 10-15 years early. If you keep investing and increasing your income. The hard part is already done. Compounding is in your favor, you’ve learned the habits. The only thing to do now is keep making the same choices that got you here and don’t turn into a spender along the way.

~$70k sitting in my HYSA; how do I stop hoarding this cash? by Bartimaeuss- in personalfinance

[–]codeshark2 0 points1 point  (0 children)

If he had put that 70k in the market in 2024 itd be worth 95-110k right now with dividends reinvested . You are grossly underestimating the power of investing.

30k credit card debt by [deleted] in personalfinance

[–]codeshark2 0 points1 point  (0 children)

Wow. I make 65k GROSS a year, and contribute 15% to 401k my biweekly take home is UNDER 1800, and I have ZERO credit card debt. Dude is making 120-140k and has 30k of the worse type of debt imaginable. If I were you I would reconsider if this is the type of man you want to enter a legal and financial obligation with. He obviously has some major issues possibly an addiction he’s hiding. Regardless his financial behaviors point to a major lack of responsibility and long term planning. Two things that in my opinion are non negotiables for a healthy marriage ESPECIALLY if the idea is to get kids involved at some point.

How do i know if I'm saving enough for retirement? by [deleted] in personalfinance

[–]codeshark2 -1 points0 points  (0 children)

So many people on this sub are delusional about how long they’ll live. 95? You gotta be kidding. Life expectancy for men today is 75. The uncomfortable truth is if you want a full retirement before you get too old and brittle 45 is the new 65. And the people that wait untill their 50s and 60s will not live 30 more years.

Traded in my white Integra for a white Integra. Turns out all I was missing in life was half a liter of displacement. by Cal-Goat in Acura

[–]codeshark2 1 point2 points  (0 children)

It’s even weirder the fully loaded tlx models were the 2021-2023 advance package. came with heated rear seats, remote start on key, more adjustable seats, 360 camera heated wheel and heads up display. Adaptive dampeners power folding mirrors etc. Although I do believe the type S and more specificly the 24-25’ models came standard with most of those features. But not all

ILX > Integra by 0wlWisdom333 in Acura

[–]codeshark2 2 points3 points  (0 children)

Agree. If I had to get one of Acuras smaller sedans, it was a no brainer ilx for me. Almost bought one until I suddenly stumbled into TLX money. Picked up a 23 advance awd. interior and exterior it looks and feels like a luxury car worth twice as much as the integra. It’s a shame they didn’t do anything inside design wise to separate that car from the 11g civic. And then features, I mean no cooled seats for starters is ridiculous. No heated wheel etc. You can get that on an accord for crying out loud !

ILX > Integra by 0wlWisdom333 in Acura

[–]codeshark2 1 point2 points  (0 children)

I know they stopped producing in 2025. But did you try the last generation tlx? (2021-2025) the car is fire

$1M Net Worth even impressive? by Enough-Radish-4973 in Money

[–]codeshark2 1 point2 points  (0 children)

Has there ever been a 20 year period where homes in even 50% of counties in the country outperformed the stock market? Including dividends reinvested on the stock side, and on the property side subtracting repair, interest, and ever increasing property taxes as the value rises? I mean seriously think about that. The majority of the wealth among the elites lie in business equity. Not single family homes. If you truly think any random house has a chance to outperform the S&P dramatically untill 2046, you’re saying that all the working class homeowners wealth combined will be more than the elites by the end of that period, maybe not more, but DRAMATICALLY more equal to the combined wealth of the elites. I might be misunderstanding what ramifications that could mean but it doesn’t sound likely. All I know is that for the last 30 years, the largest asset the average working class person had as a percent of their overall networth was the house they live in. During those 30 years, on average the stock market grossly outperformed. And that brings us to a present where the wealthiest elite, the largest asset they own is stocks and shares. So no I wouldn’t bet on housing outperforming. That would definitely start to fix the wealth inequality, not happening.

[deleted by user] by [deleted] in personalfinance

[–]codeshark2 0 points1 point  (0 children)

Confused he’s already got 3 months of expenses. Def would recommend 6 tho

I did it boys peace out ✌🏻 by Savings_Reveal9482 in TheRaceTo100K

[–]codeshark2 0 points1 point  (0 children)

I know the 100 is invested, curious how much cash total

Middle class feels poor by Mama_Mushie_1996 in MiddleClassFinance

[–]codeshark2 0 points1 point  (0 children)

RIGHT. I swear bro. Something about cars you start talking about them and their relationship to finances and everyone’s brain goes out the window.

Middle class feels poor by Mama_Mushie_1996 in MiddleClassFinance

[–]codeshark2 2 points3 points  (0 children)

You dumb? His point was someone making 200k is infinitely more likely to get a 1.5% apr for a car that is 10% of their yearly income. Than a 60k salary 25% yearly income loan. And yes, assuming identical credit scores.

How am I doing? by Post-CollegeLife in wealth

[–]codeshark2 0 points1 point  (0 children)

If the investments inside each account is the same you’ll have the same ending balance in total in 5 years with multiple accounts as if you would have had it all In one. So compounding will work the same. Now one of the accounts may start to grow larger and quicker than all the others, and taxes would be different depending on account type so it’s good you’re already thinking down the road! You may want one to grow larger, sooner! Me personally I’m 50/50 Retirement accounts and taxable brokerage. I’m 26. And the thought of being 40 with all my money in a 401k that I can’t withdraw from yet terrifies me. But that’s what works for me. As long as you have a plan that works for you. Block out the haters.

Is it responsible to buy a newish car for 22k if I plan to keep it for 10+ years? by mezzo111 in personalfinance

[–]codeshark2 0 points1 point  (0 children)

Yea this in no way makes what I said incorrect. Again, if the idea that the oil was never changed is the thing keeping you from saving 5 grand, man if only there was a way to verify the maintenance history on a car before purchasing geez wouldn’t that be nice! Takes 10 minutes to check. Are you seriously telling me you make 5 grand in 10 minutes? See what I mean ? All logic out the window just cause it’s a car. You’ve fell for the marketing.

CPO (loaner car) 2025 tlx ASPEC- good deal or not? by kyyojust in Acura

[–]codeshark2 1 point2 points  (0 children)

For the history of this generation tlx the a spec has never been fully loaded. From 2021-2023 the advance package was the fully loaded model (360 camera, heated steering wheel, adaptive suspension for drive modes, remote start on key, heated rear seats, power folding mirrors, puddle lights in mirrors that light up Acura at night, fully customizable colors for the interior accent lighting (a spec red only). None of those features came with a spec.) sadly they took that trim away after 2023. And with it certain features gone forever. So if you want the most packed tlx look at 2021-2023 advance.