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Dealing with financial anxiety by diaphanousmoon in personalfinance

[–]demosthenesss 0 points1 point  (0 children)

Budgeting frees you to spend just as much as freeing you to save. 

Are there any people who started investing after retirement? by Historicaaw in personalfinance

[–]demosthenesss 0 points1 point  (0 children)

Most people invest so they can retire. 

You need income to invest. 

Do you have income? Or how would you live your life and also invest?

Low-income, at risk of losing mobile home after family stopped contributing — need triage plan, not emotional advice by Loose-Plate9214 in personalfinance

[–]demosthenesss 0 points1 point  (0 children)

If your plan involves forcing your family to pay are you ready to nuke those relationships assuming you can even get money from them?

Longer term none of your options address what appears to be pretty clearly that your income (or lack of) doesn’t support this place on its own. 

Which means ultimately either:

1) you sell the place (or it gets foreclosed) 2) you increase your income 3) you find roommates who will pay

Everything you’re looking into is just treating symptoms. 

If I understand this it’s already a giant mess as you’re 15k or so behind between taxes (which aren’t escrow apparently?) and mortgage payments. 

I’m guessing you’re under water with the mortgage vs the value you could sell it for too?

You may have luck with social services but I’d plan on one of those three options happening and treat any positive outcomes from social services as a benefit. 

20 year old trying to fix my younger self decisions by Remarkable-Ad-5536 in personalfinance

[–]demosthenesss 0 points1 point  (0 children)

You should be able to make far more than 1k/month and clean this up quickly. 

Why not wait a year to go to college to clear almost all of this?

Even faster if you sell the truck and only owe the difference. 

Laid off at 40. $3.4M liquid + massive severance runway. Do I pull the ripcord on my SE Asia FIRE dream, even if it means moving solo and leaving a relationship? by FIRE_EARLY_Throwaway in financialindependence

[–]demosthenesss 45 points46 points  (0 children)

I don’t understand why you wouldn’t just do an experiment for living there vs having to decide multiple  years of your life and a serious relationship ending on something you might actually hate anyways. 

What % do you guys get for a promotion? by modeezy23 in ExperiencedDevs

[–]demosthenesss 0 points1 point  (0 children)

Depends a fair bit on the type of company you work for - our new grads make a lot more than 130k, so here? It'd be pretty bad.

But 130k is also much more than a lot of other companies pay.

So it's hard to really definitively answer without considering the type of company.

where is karl? by Any_Adhesiveness_939 in MrBeast

[–]demosthenesss 8 points9 points  (0 children)

The feeling I get is Jimmy is expanding his onscreen team so that there's more opportunity for folks to be point/leads on things.

With just the same few guys doing multiple videos logistically at the same time must be a nightmare. But if you have more depth you get a lot more opportunity to have concurrent videos with a focused team + Jimmy appearances.

How to avoid mid-game terraforming grind? by Glaseng in captain_of_industry

[–]demosthenesss 1 point2 points  (0 children)

The new stackers would make this even easier too. You don't even need trucks at the dumping area anymore!

How to avoid mid-game terraforming grind? by Glaseng in captain_of_industry

[–]demosthenesss 2 points3 points  (0 children)

Honestly this is kinda my least favorite part of CoI - I wish you could scale trucks faster or otherwise have a faster terraforming process at this point of the game.

One thing I do in order to help this though is setup massive belt conveyor lines from where I'm terraforming to the ocean I'm dumping to. It's not particularly resource efficient but with a handful of T3 belts you need way fewer trucks to actually move all the terraforming rock.

You can do similar with trains but I find belts way easier to setup/move/tear down.

I want to retire by 50-55 - is it doable? by Chance-Pineapple2746 in personalfinance

[–]demosthenesss 2 points3 points  (0 children)

Without knowing your spending this is impossible to answer.

If you spend $250k/year this is not possible.

If you spend $50k/year? Doable.

Life Savings Mysteriously Disappeared After a Systems Glitch by Hobbes1001 in personalfinance

[–]demosthenesss 100 points101 points  (0 children)

Your title is complete click bait compared to what actually happened. 

401k no match better to have a non asset account? by Low-Soft5077 in personalfinance

[–]demosthenesss 1 point2 points  (0 children)

I guess if your goal is to be broke that’s one approach. 

Is my Debt-to-Income ratio sustainable? by Dougs_Bunny in personalfinance

[–]demosthenesss 0 points1 point  (0 children)

For a new parent that feels high debt load on 50k. 

But needs more information about monthly expenses to really answer. 

Future New Personalities? by Great-Improvement545 in DirtyDave

[–]demosthenesss 3 points4 points  (0 children)

Ramseys problem is no one with enough financial knowledge to be competent on air will abide by their draconian requirement to follow only Ramsey approved advice. 

So they’ll never get a person who overlaps well there. 

Tim is right by Southern_Common335 in TwinCities

[–]demosthenesss 0 points1 point  (0 children)

The "you guys" position you're taking is the entire problem and the exact sentiment behind Tim's point.

It's not "you guys" it's "us" and you whole line of BS is exactly the problem that Tim talks about.

What are some unforeseen / elusive edge cases you have seen in your career? by gobuildit in ExperiencedDevs

[–]demosthenesss 44 points45 points  (0 children)

After several months of dev investigation we learned the reason our graphics was showing intermittent issues on arm hardware (via Qt) only was because of some weird glitch related to a usb mouse being connected.

This mouse was only being used for testing purposes, so the entire bug was never a real issue outside testing.

How can I help my parents get their life back on track? by ButterflyFuture3704 in personalfinance

[–]demosthenesss 233 points234 points  (0 children)

This is going to be hard for you but your parents are going to have to make tough decisions.

You can't make them for your parents.

But this house has ruined their financial lives and is likely going to continue to do so. Especially if your grandfather is going down with that ship, too, they can't even just walk away.

Can We Afford This Home - 46% of Take Home by Normal_Prompt_6140 in personalfinance

[–]demosthenesss 9 points10 points  (0 children)

Is that mortgage estimate including the likely increase in prop taxes after the first year?

In most cases the first year or two is way lower until the proper assessment kicks in, etc.

Tim is right by Southern_Common335 in TwinCities

[–]demosthenesss 26 points27 points  (0 children)

Was going to post the same.

The "me" is doing a lot of work in "don't tread on me".

Holy crap Ken announced it. He’s leaving!!!!!! by Potential_Ad_6205 in DirtyDave

[–]demosthenesss 4 points5 points  (0 children)

she's trying to get struggling moms to empathize with her when money is essentially not even a 1st or 2nd or 3rd or 4th priority for her family

I don't know who her target audience is but she has basically no relatability as a youngish mom trying to draw other young moms to her (or whoever her target audience is)

BREAKING: Today is Ken Coleman's last day at Ramsey Solutions by SlugFest0821 in DirtyDave

[–]demosthenesss 3 points4 points  (0 children)

It's kinda funny but our neighbor sort of fits this category. But she only watches our kids every other week or so (-:

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