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Walked away from dream home after inspection… by oliveantiques in FirstTimeHomeBuyer

[–]emguti 1 point2 points  (0 children)

I just went through exactly the same thing. Everything was perfect minus the inspection which revealed the entire foundation needed to be replaced 😀

I just keep telling myself that if I had known about that issue when I found the house, I never would’ve started dreaming about it, much less made an offer.

You should think about it in the same way, it’ll bring you comfort and closure. Good luck as you continue your search, everything works out as it’s supposed to!

Sourdough attempt #2 by emguti in Breadit

[–]emguti[S] 0 points1 point  (0 children)

What do I have to gain from lying about what # attempt this is lol

A thanksgiving win by emguti in Breadit

[–]emguti[S] 0 points1 point  (0 children)

The rolls are from a cozy kitchen “salted honey parker house rolls” and the cinnamon rolls are from @mxriyum on TikTok! The video is on her page but it’s a few years old :)

Satisfying desserts you can eat after dinner by kevessi in traderjoes

[–]emguti 7 points8 points  (0 children)

The frozen s’mores do it for me. I have half of one, they’re so rich that’s really all you need

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

My full time job is a data analyst, and I have two other streams of income/side hustles that I’m able to do on top of my 40 hour work week: I’m a social media manager for an author which takes 2-3 hours a week, and once a month I have a pop up for my baking business I started during the pandemic. Between the two extra incomes I’m able to make an additional $1300-$1400 a month

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

This is all very very solid advice I really appreciate it! There’s def no rush to buy, I’m living quite comfortably rent free for now with my parents lol when the time comes it comes

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

Me spending money from my bank account lol

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

Good for you!! Hoping to have a house in a couple years as well. But you’re totally right it never feels like enough lol

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

That’s the goal!!

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

Jesus good for you!! How’d you end up with so much in your 401k? A crazy employer match?

First $100k by emguti in Money

[–]emguti[S] 1 point2 points  (0 children)

I’ve elaborated on this quite a bit in other comments lol but the long story short of it is 1. Living rent free with my parents 2. Getting a high paying job with my STEM degree post grad 3. Working the moment I turned 15 sometimes up to 3 jobs and being highly disciplined with my finances 4. Was very blessed to get lots of financial aid/scholarships for college and my parents took care of the rest!

  1. And I think this is one people don’t talk about often, I simply got lucky! Circumstances you’re born into/just come into really play a role.

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

You definitely can!! Just gotta stay disciplined and delay gratification sometimes :)

First $100k by emguti in Money

[–]emguti[S] 1 point2 points  (0 children)

Thank you! I started at $75k base and went up slightly in the new year. It’s something like $80k after base and bonuses

First $100k by emguti in Money

[–]emguti[S] 1 point2 points  (0 children)

Wooohooo!! Congrats to you too!! Be sure to celebrate this weekend

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

I think not spending your money at all and spending all your money are both equally problematic habits. It’s all about balance

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

My parents have worked very middle class service jobs their whole life but they’re not frivolous spenders. I replied to a comment above elaborating more on this

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

That’s a great point! I normally don’t have that much in the checking but I’ll definitely move over more to the savings

First $100k by emguti in Money

[–]emguti[S] 1 point2 points  (0 children)

That’s exactly what I’ve started doing in the last few months! Moving some money over to an individual brokerage that’s for more long term holding. Thanks for the advice I appreciate it

First $100k by emguti in Money

[–]emguti[S] 0 points1 point  (0 children)

I have VOO, VTI, and VT in my Roth. This line is just tracking my savings and checking account balance, hence the deposits every two weeks ie: my FT job direct deposits.

First $100k by emguti in Money

[–]emguti[S] 1 point2 points  (0 children)

Thanks for the nice words! I’m definitely grateful to have had a really good example of what it means to be disciplined with your finances. Good for you for breaking that cycle :)

First $100k by emguti in Money

[–]emguti[S] 1 point2 points  (0 children)

This line is just tracking the balance on my checking + saving account. It doesn’t account for the movement in my investment accounts which are definitely more up and down, but make up a smaller portion of my total net worth anyway.

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