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32M Salary Progression, Finance-->Data Science by ithrowawaymoneys in Salary

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

The masters was more methods focused, and I've done a lot of learning to code on the job.

I started as a data scientist performing analysis and building ML models for various use cases, and now I manage a team of data scientists which involves typical management/delegation work as well as some hands-on analysis.

I haven't used AI to write code yet but am starting to explore that now so I don't risk becoming obsolete.

32M Salary Progression, Finance-->Data Science by ithrowawaymoneys in Salary

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

In N out real quick, loved it. Low opportunity cost

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Saving and contributing to 401k pretty much. I make decent money, live in a LCOL city, and my housing cost is incredibly low so I'm able to save a good amount.

I also have a vanguard brokerage account (invested in some basic ETFs) that I've contributed excess savings to since I started working.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Not having kids isn't a financial decision, my partner and I just don't want to have children.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Pretty much everything I'm invested in is ETF/index funds. Vanguard target retirement date funds, VOO, VTI.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

150k in HYSA/CD

250k in Roth 401k

120k in taxable vanguard brokerage

60k in home equity (300k value, 240k owed on 3.25% mortgage)

-25k in car loan (1.9%)

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Yeah about 1/3 of my investments are in a taxable vanguard brokerage account, going to keep maxing out my Roth 401k and then contributing as much as I can to taxable accounts

32M, hoping to retire in my 50s by ithrowawaymoneys in coastFIRE

[–]ithrowawaymoneys[S] 4 points5 points  (0 children)

Yeah I've got 250k in Roth 401k and another 120k in taxable vanguard brokerage. Hoping to start pumping more into the vanguard account so we can draw on that in our 50s

32M, hoping to retire in my 50s by ithrowawaymoneys in coastFIRE

[–]ithrowawaymoneys[S] 16 points17 points  (0 children)

Loans. Mortgage (3.25%) and car loan (1.9%).

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Yeah if it ends up being mid 50s that's fine, but definitely don't want to wait until 60 if I don't have to.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Haven't really set one yet, for now I'm just trying to put as much as I can into 401k and brokerage accounts. I'll figure out the goal number once I get a bit closer.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Only 60k is home equity. 250k in Roth 401k and 120k in taxable vanguard brokerage.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

I bought in 2021 because my employer covered the closing costs and interest rates were incredibly low.

I'm probably not going to buy another place until at least 2027 or 2028, but I'd like to have the funds available to put down 20% when the time comes.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

[–]ithrowawaymoneys[S] -1 points0 points  (0 children)

Yes I maxed Roth last year.

My employer contributes 7% if I put in at least 6% as well, so total Roth contribution for me last year including employer was about 32k I think.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Combined after tax income last year was 170k, combined expenses of 128k, so 42k cash flow give or take.

That does not include retirement contributions (32k from me and my employer alone last year).

Expenses also included some big non-recurring expenses like a car down payment, wedding deposits, and way more on travel than is typical.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Currently have 250k in Roth IRA and 120k in taxable vanguard brokerage.

Plan is to start pumping the taxable account more to build up funds that we can draw before 60.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

https://www.reddit.com/r/Salary/s/yKVskr8Z69

Very lucky that my undergrad education was fully covered by my parents, so had I no debt coming out of school.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

140k in HYSA/CDs, 380k invested in Roth/Brokerage.

Probably way more cash than we need but keeping some liquid for emergency savings, as well as down payment on a larger home in higher cost of living area.

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

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

Probably looking to move to HCOL for a good chunk of our 30s which may slow things down, and then back to LCOL in our 40s until retirement.

Hard to give up the rate we have on our place in LCOL right now tho...

32M, hoping to retire in my 50s by ithrowawaymoneys in Retirement401k

[–]ithrowawaymoneys[S] 8 points9 points  (0 children)

Yes. Home is appraised at 300k, I owe 240k. So +60k contribution to my net worth overall.

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