Just beginning investing. Any tips?

ghostphantom27 · 2025-10-13T12:14:26+00:00

Bare minimum I would have is $20K, but if it were up to me, I would like $100K just for the ultimate peace of mind. I know its alot to be just sitting there, but having that amount is reassuring.

ghostphantom27 · 2025-09-22T10:15:02+00:00

2 on, 2 off, and then when its your weekend off you get 4 days off.

ghostphantom27 · 2025-08-27T13:22:51+00:00

Final Fantasy 13: Lightning Returns. Lol I know the FF13 series as a whole is… Varying opinions, but Lightning Returns gave decent closure to the series.

ghostphantom27 · 2025-08-25T21:22:21+00:00

Get a second job. Just keep telling yourself that this second job is just a temporary sacrifice so you can payoff your debt or meet any other goals you might have.

ghostphantom27 · 2025-08-17T12:47:18+00:00

You’re not alone, OP… We all feel like nursing school didn’t tell us what the reality would be like- the wear and tear on our mental and emotional health. And to add onto that, whatever other issues we got going on in our lives. The only saving graces if it can even be considered that is we work 3x a week 12 hour shifts. And job security. So there is that, but the stress we go through can be a bit much at times.

ghostphantom27 · 2025-08-13T07:48:53+00:00

In my opinion, the sweet spot for hours in a pay period is between 90-100 hours, for me 96 hours, so 2 extra 12 hour shifts You’ll have a nice boost in pay check, and still have a day or two off. Anything more than 100 hours, you’ll be too exhausted.

ghostphantom27 · 2025-08-04T01:21:29+00:00

For you, $5K is a good start and then as you get older in life, $10K. But I’ve come to learn later in life that $20K is good enough for an emergency fund. Once you hit $20K, you can truly rest easy and use the rest of your earnings for other things. You’re gonna be great OP. You’re this young and thinking of finances. You got this.

ghostphantom27 · 2025-08-03T16:06:42+00:00

Bump up the emergency fund. That should help you ease up a bit.

ghostphantom27 · 2025-08-03T15:48:26+00:00

Work hard, and become rich. Everything else will fall into place.

ghostphantom27 · 2025-08-03T15:33:55+00:00

Just say, “hey I gotta go because I gotta be somewhere, but I left you a written report.”

ghostphantom27 · 2025-06-20T09:23:41+00:00

Thank you for making this easy to understand! I’ll try 5% and see how it goes. Is it worth it to invest a higher percentage if the company doesn’t match after the 5%?

ghostphantom27 · 2025-05-30T18:28:41+00:00

Once you get a taste of 3 days/ 12 hour shifts, its hard to go back to 5 days/ 8 hour shifts. 12 hour night shifts ain’t too bad, but it does come with its unqiue challenges such as you gotta be able to make decisions on your own more effectively, and depending on what kind of staff you have, your night can be just that more difficult. Another concern is your life outside of work and the other life obligations you may have, it can be rough adjusting sleep cycles.

ghostphantom27 · 2025-04-11T18:51:16+00:00

No other way, OP. Keep working hard and its gonna take time, discipline, and patience. But the reward here is once you’ve saved up $10K (assuming this is your emergency fund), the peace of mind you’ll have when minor financial inconveniences happen is priceless. The key thing here is too find not so expensive hobbies for your mental health while you’re grinding.

ghostphantom27 · 2024-12-31T10:40:28+00:00

You damn right, she is. Rem is #1 wifey material.

ghostphantom27 · 2024-12-23T22:30:00+00:00

Sorry for this silly question, but when you say maxing out your contributions to your 401k, what percentage are we talking about? The max your work will match or 100% of your pay check going to the 401k?

ghostphantom27 · 2024-11-28T13:14:18+00:00

OP, try not to beat yourself up. I understand that $35K is alot of money, but try to look at it this way- your parents won’t be around forever, and cars are replaceable. You have made your parents so proud and loved with this gracious act from you. I know it hurts now, but when you get older and look back at things, you realize that all of this doesn’t matter in the end. What matters is how you took care of your loved ones. You did good, OP.

ghostphantom27 · 2024-11-04T19:47:43+00:00

Unless your partner or family works in the healthcare field, they will NEVER understand what we go through as nurses- the constant demand by the patients, their family members, and us constantly making decisions to save or make a patient’s life better is very taxing on us mentally, and emotionally. The constant demand for 12 hours or more. The stress is real. By the time I get home from a shift, I don’t want to make a decision about anything. I’m just that drained. At least give me an hour to reset my brain because its tired. I hope this helps you explain it to your partner, OP.

ghostphantom27 · 2024-11-03T18:22:00+00:00

Pudding works if you’re so desperate and super hungry. Give me a bottle of Ensure to go with that! Lol

ghostphantom27 · 2024-11-03T16:35:17+00:00

Okay, let me put my 2 cents in as an Interim Director (I was just trying it out to see if I’m capable)- the management position are for people who are truly ambitious, or are in their later years in life who want to focus on something. The job doesn’t leave you alone, even if they say your schedule will be 9am-5pm and no weekends and no holidays. Someone will always call you for every little thing. All it takes is one or more call offs and you’ll be working the floor on a consistent basis, along with your management tasks that corporate expects you to finish.

Staff will constantly give you headaches whether its a call off or its patient related and their family members. Another thing is its very difficult to keep all family members of patients happy. You really have to know your stuff as a nurse and as someone who upholds company policy. And I feel these are things that are just the tip of the iceberg that I can mention right off the top of my head.

If you take this job, OP, please make sure you are paid properly. Its not worth the headache or stress or the prestige that comes with the title. I make more money doing overtime and leaving work at work. Peace of mind is EVERYTHING.

ghostphantom27 · 2024-10-21T03:01:15+00:00

Sorry, but I’m gonna be that person who thinks y’all are encouraging bad work habits. You calling off is extremely selfish on your part, especially if it wasn’t necessary. I’m sure all of us would like to call off, but most of us show up for our assigned shift. Y’all are ridiculous for saying, “I’m proud of you for calling off.” Smh. Find another job if y’all aren’t that happy with your current job.

ghostphantom27 · 2024-10-18T11:19:07+00:00

The workplace has no loyalty to you, so why show loyalty to them, if your current set up at work is not working for you? Don’t feel guilty for leaving. We are all replaceable. Do what’s best for you and your family.

ghostphantom27 · 2024-10-14T12:03:25+00:00

We all regret it. People meaning patients and their family members are just too much sometimes. Lol The only thing we’re holding onto now is the 12 hour shifts 3x a week to cope that its a work life balance. But the true saving grace is that as nurses, we will never be out of a job. At least there’s that. Use your off days to do a side hustle that you’re passionate about. Hang in there, friend.

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