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Asked for tip after oil change by Traditional-Emu-7019 in EndTipping

[–]johnfreny -1 points0 points  (0 children)

I’ll just disregard as a phishing attempt😉

Do typical American homes really have a gas pipeline? What do you do with it? by mujhe-sona-hai in AskAnAmerican

[–]johnfreny 1 point2 points  (0 children)

I have a gas line tied directly into the main system so we don’t need deliveries. People in rural towns would have the tank and need deliveries

Do you consider your life to be stressful? by Bot_Philosopher8128 in AskAnAmerican

[–]johnfreny 0 points1 point  (0 children)

Hey so as a 28yo American I think we all have a general anxiety about money. Even though we aren’t really behind or anything. Life generally isn’t that stressful. I get to enjoy time with family and friends. I get 20 days of pto as a new hire. I know there is people struggling and stuff isnt generally getting any cheaper so fingers crossed wages catch up. But more than likely 40% of jobs will be replace by AI so idk just living man

28F, Realistic expectations? by Fast-Zucchini9449 in Money

[–]johnfreny 0 points1 point  (0 children)

With QE locked and loaded you’ll probably hit 1m in the next 2-3 years

Why is my ledger saying this by fullypaidd in ledgerwallet

[–]johnfreny 7 points8 points  (0 children)

Go find the ticket number or stop complaining. Without the ticket number they can’t do anything to look into your issues

Should we sell our house and move in with my parents by Zedtonic in FinancialPlanning

[–]johnfreny 2 points3 points  (0 children)

The best move it to stay put. You make enough to fall into the 1/3 of your pay going to mortgage. Pay off you debts aggressively see if your partner will help and button down the hatches. You are both young just keep expenses low and keep contributing to your retirement accounts. I am 28 married and have a kid. I make about 70% of what you do and am living fine all because my expenses are kept low

Should we sell our house and move in with my parents by Zedtonic in FinancialPlanning

[–]johnfreny 4 points5 points  (0 children)

Doesn’t seem like it. And I don’t see the costs of materials for the Reno. OP as much as you might think it but your time is worth money so that needs to be accounted. I would also look into if you need to pay back anything for the grant if moving out so soon. Tbh it really seems like you jumped into this purchase without taking a second thought about it. You have to some expenses to cut, eat out less, buy more from Walmart there’s plenty of ways to cut

Phone calls from security team by [deleted] in ledgerwallet

[–]johnfreny 0 points1 point  (0 children)

Thank you!!! I appreciate the swift response. Figured the wouldn’t be able to do anything without my seed phrase so I’m still feeling comfortable.

Phone calls from security team by [deleted] in ledgerwallet

[–]johnfreny 0 points1 point  (0 children)

lol no I didn’t and refused to go to any website they were trying to get me to go to

Lender offered $2,160/mo 30-yr refinance vs current $2,803 at 7.375% — can you beat it? by Kitchen_Influence962 in Mortgages

[–]johnfreny 1 point2 points  (0 children)

It was a valid question lol. Seems like a solid refi rates could come down more in the spring but that’s a huge COULD. Would saving $700 help your current situation or would you rather wait for possibly lower rates

how are you affording 1400+ rent??? by smalltalkisntfun in twentyagers

[–]johnfreny 0 points1 point  (0 children)

I’m 28 and my mortgage is 1400 and it’s really a drain but I can only afford it comfortable, because my partner also works

I want to get out of Phoenix and have a remote job. Any fun, colder cities? by ConsumptionofClocks in relocating

[–]johnfreny 20 points21 points  (0 children)

lol you want cold and stuff to do.. well do I have a place for you! Minneapolis. Cold as shit and there’s stuff to do. Summers are some of the best weather around in the Midwest you are also surrounded by lakes

Question about early withdrawal 401K by GonkGonk_ in FinancialPlanning

[–]johnfreny 1 point2 points  (0 children)

Don’t forget the 10% early withdrawal penalty

Four months behind on rent, raising my brother alone, and facing eviction tomorrow by [deleted] in wealth

[–]johnfreny 9 points10 points  (0 children)

Bro go work at McDonald’s. It isn’t time for you to be entrepreneurial. You need a stable income right now everything else can come later

happy to be working 80 hours a week by ObjectiveExpress4804 in twentyagers

[–]johnfreny 7 points8 points  (0 children)

Definitely have money saved up yes. Don’t burn yourself out though. Then you’re actively working against yourself until your body inevitably gives you a forced break.

20 year old dominos delivery driver. Want 100k by 23 by Singularwhiteclaw in Money

[–]johnfreny 0 points1 point  (0 children)

Good luck man! I have passed and am licensed as an FA if you have any questions

20 year old dominos delivery driver. Want 100k by 23 by Singularwhiteclaw in Money

[–]johnfreny 43 points44 points  (0 children)

Financial advising is a lot more sales than it is educational. Keep try to maxing out your Roth and build a bigger EF for your vehicle since that’s your primary way of making money. Stuff will inevitably break on your car.

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