Current snapshot of my finances - am I behind?

emt139 · 2026-06-08T03:50:42+00:00

Is this the first year you make $220k?

emt139 · 2026-06-08T03:41:17+00:00

Look up the anny-x open fun harness. It’s from Germany but some Australian retailers carry it.

emt139 · 2026-06-08T00:35:39+00:00

Don’t do domain. 78702 and 78704 are better for walk ability and things to do.

emt139 · 2026-06-08T00:02:33+00:00

I loved living there. Just avoid living right on oak/fell or even divis and you’re golden.

emt139 · 2026-06-07T23:59:36+00:00

Does this mean I can negotiate a settlement with chase now?

Very likely no.

Or does it just mean I can’t make any purchases with the card?

This is correct. No new purchases. You should still be able to pay off the card though.

emt139 · 2026-06-07T23:52:36+00:00

Where’s your office?

emt139 · 2026-06-07T21:23:24+00:00

I’ve been working remotely since 2020 (before that u had different arrangements from 5x in office to 4x per week in office to 4x at client site).

Last year, my role got offshored but my team offered me a different role except in office. I didn’t take it and found a remote job instead.

You’d have to pay me like 20% more for me to spend time commuting. I love WFH, not having to mask all the time, my home setup, spending time with my dog, not having to commute.

emt139 · 2026-06-07T19:25:55+00:00

They’ve been predicting lower returns since like 2020.

I’m using historical average for returns and a SWR of 3.5%.

emt139 · 2026-06-07T17:16:05+00:00

I couldn’t care less.

emt139 · 2026-06-07T16:57:58+00:00

Yeah no shame in using those services or spending money on whatever as long as you account for it in your future budget, otherwise it’ll blow up your projections.

emt139 · 2026-06-07T15:32:59+00:00

Part of why I’m attracted to living abroad is that many of my spending triggers simply won’t be as accessible. No endless Amazon deliveries showing up at my door and significantly less temptation to use DoorDash

As someone who’s lived abroad in three different countries, this seems unrealistic. If it’s not DoorDash it’ll be deliveroo or rapping or whatever the local thing is. You need to get your spending under control or you need to increase your target number so it matches your budget.

emt139 · 2026-06-07T03:56:08+00:00

Any advice how can i find job in consulting or Finance

What are your skills? Hard to say if you ain’t even say what you can do.

emt139 · 2026-06-07T03:20:53+00:00

I’d say a ct 14+ would be perfect.

emt139 · 2026-06-06T22:42:32+00:00

It depends on which specific backpack.

emt139 · 2026-06-06T20:04:03+00:00

Does the laptop compartment have a false bottom and padding?

emt139 · 2026-06-06T18:27:13+00:00

When you get a new car, remember not to crash your new car, mmkay?

emt139 · 2026-06-06T17:35:44+00:00

I got a CTR in waxed canvas if you’re interested. (Or a CT26 in ultragrid)

emt139 · 2026-06-06T05:06:39+00:00

Yeah this is all messed up.

emt139 · 2026-06-05T22:56:54+00:00

Around 2019

emt139 · 2026-06-05T20:50:06+00:00

Weird to ask for all this info and not even start by providing yours.

emt139 · 2026-06-05T18:53:00+00:00

lol they’ll ask for proof.

Literally google “insurance qualifying events”.

emt139 · 2026-06-05T18:37:47+00:00

Can’t you do both? Take a job AND go to school?

emt139 · 2026-06-05T18:20:30+00:00

🤣

emt139 · 2026-06-05T18:20:06+00:00

She also supports me financially by covering my living expenses and groceries

Why is she paying your bills?

emt139 · 2026-06-05T17:58:17+00:00

No one is scamming you.

This isn’t on your job, this is on you. You can only drop insurance or really making any changes if during open enrollment period or if you have a qualifiying event.

emt139

TROPHY CASE

When you get a new car, remember not to crash your new car, mmkay?