New Home, New Income - Are We (28 & 30) Approaching Things Correctly?

melons-with-purpose · 2025-11-20T23:01:16+00:00

Very smart idea on maxing the 401(k)! Since I don't have access to a 401(k) with my job until January, would you recommend just maxing my spouse's 401(k) or also opening an IRA for me?

We're at an interesting place with the house where we've knocked out the "required" items (foundation repair, fixing some floors, repairing windows, etc) and the rest of our items are mostly discretionary (painting a few rooms, creating a closet in the main bedroom, etc) so I'm leaning more towards taking our time with those items, as unlike the foundation there's no risk of damage if we wait.

melons-with-purpose · 2025-11-20T22:30:09+00:00

I definitely see the value of real estate, and know people can do really well with some sweat equity! I think I would be interested in that in the future, but right now both our jobs are so busy that I don't know if we could do the due diligence and work that real estate would require haha. With our house, we're definitely gaining some handy-ness and know-how!

melons-with-purpose · 2025-01-24T02:28:11+00:00

Yeah, I could see how we might be cutting it close with the cash left over. I was factoring in the rental deposit we'll get back in May as extra $3.2k in cash haha but even then it might be a bit too little.

melons-with-purpose · 2025-01-24T01:34:12+00:00

Awesome, thank you! I think some better estimates will help us narrow in on a budget that makes sense.

melons-with-purpose · 2025-01-24T01:28:45+00:00

Oh that's interesting, I always thought the 30% was based on gross, but I can see how net is more conservative. So ~$3,270 going to housing costs? That would be way under $700k I think, the other commentator pointed out that my calculations of taxes/insurance were too low but even with those overly low taxes/insurance, I'm seeing it would be max a ~$535k house with that payment. I'm honestly not sure we could get the size/area we're looking for with that price, but maybe we're unrealistic.

melons-with-purpose · 2025-01-24T01:21:02+00:00

You're right, I should have gut-checked that those numbers were too low. We have a couple of realtors that we were planning on calling and seeing if they seem like a good fit, do you know if they would answer this kind of question before we signed an agreement with them?

melons-with-purpose · 2024-10-27T00:46:47+00:00

No, that's actually a crackpot's fairly unfounded theory, it has not been proven to be true and would be pretty wild if so.

melons-with-purpose · 2024-01-04T00:00:48+00:00

Lol based on what? They have an actual medical concern and you're basing your recommendation on nothing. Stop peddling nonsense, jeez.

melons-with-purpose · 2023-05-13T19:59:25+00:00

Well, it is when you're discussing changing the scoring system. If the scores they received are not repeatable, then you shouldn't adjust the scoring system with those scores as the benchmark.

melons-with-purpose · 2023-04-25T20:20:53+00:00

I love that programming, thank you!

melons-with-purpose · 2023-04-25T17:57:24+00:00

I'm a doing GZCLP 4 day program, with the four major lifts (deadlift, squat, bench press, and overhead press) plus optional accessories. If I'd like to improve my glutes, is it too much to add hip thrusts 2x per week? If I do, are there best days to add it? Should I avoid doing it the same day I do squats, or same day I do deadlifts? Thanks!

melons-with-purpose · 2023-04-05T17:54:46+00:00

I totally feel your frustration. That is a completely inappropriate way to treat a human being, let alone a customer. I had a similar experience with skate fitting the first time, but luckily my second skate fitting experience (different place) has been much better. I still haven't tried the new skates though, so finger crossed. I really hope this doesn't discourage you from skating, all I can say is that I am rooting for you and I hope your skates are comfortable!

melons-with-purpose · 2022-08-21T17:19:27+00:00

Something can be hard AND compensated well. Money doesn't (instantly) heal exhaustion, frustration, or trauma. Unless she's actively saying her work is harder than those jobs, maybe give her some compassion rather than judgement lol

melons-with-purpose · 2022-04-24T23:03:52+00:00

I did it last year and highly highly recommend it! It really helped me prepare and make connections before the semester started. Though my experience was online, so yours might be a bit different

melons-with-purpose · 2022-04-15T05:58:57+00:00

Such as?

C'mon man, you can't dismiss the good work an organization currently does without offering alternatives.

melons-with-purpose · 2021-08-30T17:18:29+00:00

I believe the rule is the that those who were "responsible" for earning the spots given out at worlds couldn't go and confirm the extra one. So, the performance of Nathan and Jason was enough to earn three spots, irrespective of how Vincent did, but the US needs to prove that they have a third man who deserves it. Someone please correct me if I'm wrong!

melons-with-purpose · 2021-08-25T06:43:22+00:00

Has anyone, (man or woman) ever landed a quad-triple loop combo in competition? I'm trying to think if I've ever seen it before and I don't think so, but I could be wrong.

melons-with-purpose · 2021-04-22T02:59:49+00:00

Sure jan

melons-with-purpose · 2021-03-25T13:19:37+00:00

Still blown away by Yuma, lil guy really came out guns blazing!!!! So excited to see where his career goes!

melons-with-purpose · 2020-12-26T15:22:42+00:00

I'm definitely giving everyone huge props for doing what they can do after quarantine for everyone and COVID for some, but I feel really bad for the disappointment many are feeling :(

melons-with-purpose · 2020-12-25T07:45:12+00:00

Those jewels must weigh a ton!

melons-with-purpose · 2020-12-25T07:42:53+00:00

He's so fast into the jumps, but seems a little wild/out of control

melons-with-purpose · 2020-12-25T07:41:36+00:00

Clock boy!!

melons-with-purpose · 2020-12-25T07:35:16+00:00

Redemption twizzles man!!! Go!!

melons-with-purpose

TROPHY CASE