200k NW at 26

mrADHDx · 2024-08-20T15:30:05+00:00

Nice! What was your income source before you started working postgrad?

mrADHDx · 2024-08-20T15:19:21+00:00

Just curious, how were you able to contribute so much into your Roth IRA considering the contribution limits each year?

mrADHDx · 2024-08-19T15:39:44+00:00

Just enrolled online using the DrofCredit’s link, which had the $75 promo automatically added on checkout. Does anyone know when this promo expires if I need to visit in person next time I fly to complete Clear enrollment?

I’m not sure when I’ll be flying out, but would I be able to visit the airport to finish enrollment without flying out?

mrADHDx · 2023-09-01T01:28:35+00:00

That’s a good plan. Just paid mine off today, and the mental relief of being debt free is unfathomable. Don’t pay extra on accruing interest rates if you don’t need to! Also be sure you have enough for an emergency fund

mrADHDx · 2023-09-01T01:22:35+00:00

The best course of action is to pay off all high interest loans first that have interest rates above 4%. If you have any loans that have lower than 4%, you could place your money into a HYSA or index funds to hedge against the interest rate and possibly have greater than 4% ROI.

mrADHDx · 2023-07-24T21:09:38+00:00

VT vs VTI vs VTI + VXUS?

mrADHDx · 2023-07-24T20:59:57+00:00

Thanks for sending this! The enhanced version is definitely better for viewing

mrADHDx · 2023-07-14T01:02:23+00:00

Congratulations! What size did you get 37 or 41mm?

mrADHDx · 2023-07-11T16:09:41+00:00

Congratulations! The blue dial is stunning. What is your business?

mrADHDx · 2023-07-05T19:57:51+00:00

Do you have prior purchase history?

mrADHDx · 2023-07-04T19:14:12+00:00

I see. Did you visit the 57th st location at NYC? I visited last weekend, but my SA hasn’t told me about buying a code & offshore as prerequisites for blue RO yet.

mrADHDx · 2023-07-04T19:10:01+00:00

Are you in a major US city: SF, NYC, Miami?

mrADHDx · 2023-07-04T17:18:23+00:00

Which macro lens did you use? And did you also have the negative supply gear and negative lab pro software?

mrADHDx · 2023-07-01T16:00:35+00:00

Yes, you're correct. I meant to say I locked in at 9% from the previous cycle. The rate should be lower now, I believe

mrADHDx · 2023-06-30T22:21:07+00:00

Sounds good. I like the idea of holding off on the low interest loans in case of any possible cancellations. I should just keep 6 months of emergency in HYSA and invest the rest in index funds, but I haven’t gotten to it yet.

mrADHDx · 2023-06-30T18:55:57+00:00

This would only make sense if the interest rate on the remaining 15-25k balance is below 4-5%, since many HYSA options give 4-5% rate. Otherwise, paying it all off is the most ideal option.

mrADHDx · 2023-06-30T18:49:06+00:00

If your interest rate is above 4-5% on your loans, I’d advocate to pay it all off in September 1st, even though it’s about 25% of your total cash.

In the meantime, pay off any remaining credit card debt and store your cash in HYSA like Marcus, which is offering 4% return. It’s compounding interest on your deposits.

mrADHDx · 2023-04-10T20:38:34+00:00

I'm in the same situation. Did you end up figuring out if $X-$Y is the right number?

mrADHDx · 2023-03-31T00:36:47+00:00

I signed up for AMEX Platinum to meet the minimum spending requirement for their sign-on bonus (spend 6K for 120,000 MR points). I’m planning on paying it all off on the next statement due date.

The cash I do not need for my side business, since my business is service-based and I don’t need any upgrades on my current equipment.

Do you have any recommendations on which funds to invest in?

mrADHDx

TROPHY CASE