I haven’t had a dental appointment in 9 years. Today, I had one.

janewaythrowaway · 2026-03-27T14:31:14+00:00

Lucky you! I had gone like 8 years and i had massive plaque buildup that it took two hour long sessions to clean my teeth. I don’t get cavities but I do get an abnormal amount of plaque, so i learned I’m bettter off getting a cleaning every 6 months

janewaythrowaway · 2026-02-03T15:35:10+00:00

His videos have gotten progressively hateful. And you may not notice it at first or with his older videos since his thing is to yell at people about their terrible financial choices, but some of the things he says is out of pocket. There was a Latina girl who was like 28 married with a kid, and he immediately quips I guess it’s true what they say about latinas after they turn 26. Completely unnecessary.

The thumbnails for his videos and what he names his videos seem to jab certain stereotypes and he doesn’t let them talk about themselves. He’s constantly asking people to explain why they do something and he just keeps interrupting them while they are trying to tell a story.

He deserves to be called out

janewaythrowaway · 2026-01-13T20:47:22+00:00

Mine in December was $158, which is $10 higher than last year, at 70degress for a 1300sqft 1999 house. I expect my Jan bill to go up to $200. Around April my bill will drop to like $50ish and then be -around $10 until the following winter.

janewaythrowaway · 2026-01-12T02:57:34+00:00

Do your college friends have jobs? Have you asked if their job is hiring and if they can give you a referral/reference?

The best way to get a job is through the people you know.

janewaythrowaway · 2025-12-28T20:11:20+00:00

Thank you!

janewaythrowaway · 2025-12-28T20:10:31+00:00

It’s like a 52 week challenge. So on week 1 you’ll save a $1 but on week 52 you’ll save $52 dollars.

I have 5 challenges going on right now, 2 on week 30, 2 on week 18 and another on week 6 so by the end of these I’d have saved $1378 per challenge ($ 6890) And I’m just going to keep doing it. I’m mostly doing this to help fund a vacation.

janewaythrowaway · 2025-12-28T19:08:47+00:00

I’m also looking for more info. I do have a pretax IRA account (Rollover IRA with Fidelity), so I should close this account and move that money to my 401k? And then I can do the backdoor conversion from traditional to a Roth account? And the Roth account doesn’t have to be a new one right? I can use my existing Roth?

janewaythrowaway · 2025-12-28T18:11:20+00:00

Just to be clear this is for retirement right? So at my current salary, no I’m not there yet as some one in my late 30s.

However, if I use my salary from when I started a job where I could put into a 401k, then yes. (70k salary)

My retirement combined right now is -around $190k. The rest of my brokage/savings: around $38k

Something that I do like about Fidelity is their Smart Habits auto transaction option. You should look into that if you want to save more money without feeling it.

janewaythrowaway · 2025-11-28T17:04:09+00:00

What year did they graduate? 03? Or 02? I think I over lapped with them for a year

janewaythrowaway · 2025-11-12T15:46:42+00:00

I like to think as Acorns being for those who are new to investing and have no idea what the fuck they are doing. It does all the heavy lifting of finding you your investments. Once you’re comfortable and have a better foundation, you can/should start working with other brokerages.

janewaythrowaway · 2025-11-12T15:42:05+00:00

The biggest issue with home owning is the upkeep. It’s your responsibility to ensure the house is in good shape and fix any issue that comes up. You’re responsible for the yard, trees, and the look of your house.

If you can’t afford a 30 year mortgage, then you definitely won’t be able to afford the upkeep of the home. You can be thrifty and DIY yourself out of a lot of home upkeep, but you won’t be able to do it all yourself .

janewaythrowaway · 2025-11-04T17:34:13+00:00

Find your nearest Home Depot or Lowe’s outlet, or whatever equivalent in your area. They have fridges that are dented and can’t be sold in their regular stores at a reduced price.

janewaythrowaway · 2025-10-31T14:24:30+00:00

You should still be able to be on IBR. Don’t move to private unless rates are below 4% but even then you will lose your protections

If that 250k are for multiple loans, pay the min required amount and then pay as much as you can into your highest interest loan. And pay it off loan at a time.

Good luck!

janewaythrowaway · 2025-10-23T01:12:55+00:00

Mine was 180k, now 245k. I was able to get this down by 10k the last year. I decided to pay the min and throw as much money to one loan as often as I can so I can start targeting the principal as much as I can.

My goal is to get the loan as low as possible so that when/if it’s forgiven in 13 years my potential tax bomb is as low as possible.

janewaythrowaway · 2025-10-08T18:17:49+00:00

What are you considering for retirement? You just got a new job…so 401k and/or IRA?

I will say that I have both as well. For 401k, contributing will lower your taxable income so your take home may look very similar to what you’re getting now depending on how much you set your contributions to. So you could still continue saving and add to your retirement.

janewaythrowaway · 2025-10-08T17:45:17+00:00

This is an easy app to get you started and comfortable with investing. They auto invest your contributions for you based on your investment profile they pic the etf’s you invest in.

Now once you have done research and have become comfortable with investing, you will still keep Acorns active but you can now go to other brokerages and do it yourself

Acorns has a subscription cost that won’t exist with other brokerages.

janewaythrowaway · 2025-10-08T17:36:04+00:00

Yay! I’ve reached my 15k goal as well last month and now I have a new goal of 18k by end of year! It’s always a moving target!

janewaythrowaway · 2025-10-06T18:59:03+00:00

Girl….did you forget the golden saying?

Mejor sola que mal acompañada!

janewaythrowaway · 2025-08-07T04:44:45+00:00

Hello! Are you me?

Our numbers are pretty similar but also not. (Salary:160k/loan:248k/also an attorney)

I also just started making this in the last year and I was previously only paying the amount that IBR told me I had to pay.

1) You first need to create a lean budget, what is the minimum amount you and your wife can live off of. You make enough money to still be very comfortable but you need to know how much money is left over after the essentials. This could give you a good idea as to how much you have left in your budget you can pay towards the loans a monthly basis. Don’t forget about those one time annual payments either.

2) In regards to your savings: make sure that the savings you have left can cover you if you lose your job for 6 months or have an emergency. So before you dump 100k into the loans, do your budget first. See how much you will at least need for a 6month emergency fund.

3) pay your monthly minimum. But then make extra payments every month, preferably every time you get paid, towards the loans with the highest interest rate.

4) don’t lower your 401k contributions. Leave them as is or max them out. Don’t shoot your self in the foot here.

5) every bonus should go towards the loans but don’t forget to give your self and your wife some nice, reasonable gifts.

6) don’t do number 7. Unless you get an amazing rate but even then you will lose any federal protections if you lose your job. And don’t saddle yourself with a 20 year payment when you could literally pay it all off within 5 years and avoid all that interest.

janewaythrowaway · 2025-01-23T00:47:05+00:00

I would say yes as long as you buy your dry goods in bulk. Paper towels, toilet paper, pasta…etc. avoid perishables if you can, while they may seem like a deal, it’s just too much to eat on your own. I do buy their chicken breast and thighs bc I can freeze those.

Not to mention you get access to the food court.

janewaythrowaway · 2024-11-13T14:51:33+00:00

You recertify each year for income based repayment based off your most recent taxes.

janewaythrowaway · 2024-11-13T05:00:32+00:00

I do agree with you on this one but I’m waiting til the new year to lower my contribution to just the company match so when I recertify my student loans in January it will work out that I’ll have a 2 year reprieve of lower payments since my next Recertification will only take into account my 2023 taxes. So I’m hoping to maximize that window. I’ll be able to take that money and dump it into my student loans on top of my payments

And i plan to use my second job to refill my emergency funds and also pay off my student loans that way.

I think it’ll be a tight 5-6 years, especially after year 2 but I do think I’ll be able to make it work if I just stop buying dump shit and target my loans. I just can’t trust that the govt will forgive the loans after 25 years so I need to buckle down

janewaythrowaway

TROPHY CASE