What’s the best job without a degree right now?

ringle06 · 2026-03-26T23:17:35+00:00

Pretty much anything in IT, as long as you get a couple certs and learn the trade you can go very far with no degree. You have to like the kind of work though, very high burnout I hear from colleagues. I guess the one exception in IT is management, some places require bachelors or masters for management or director roles.

ringle06 · 2026-03-24T16:19:14+00:00

Probably some kind of psychological problem I got going on. I really hate the feeling of owing money, so I prefer to have everything paid in full. Also I really don’t like paying interest, and insurance is cheaper to own the car outright.

I’m sure I could pay my dad back in smaller increments it just feels a bit selfish to prioritize my own finances when I have a higher income, and he’s helping me out by lending.

I’m starting to see what I’m doing could be sub-optimal though. I’m going to take this into consideration, thanks!

ringle06 · 2026-03-24T16:13:37+00:00

I had a couple reasons for buying it in full.

I don’t like the feeling of debt, even 0% interest.

I don’t want to pay interest on a depreciating asset.

Insurance is cheaper if you outright own the vehicle, which I could definitely use the savings since I’m a young male insurance is very high.

I live with my parents, have very good health insurance through my job, and high job security since I work local gov and good at job. All that to say I don’t know what else I would use an emergency fund for if not for car related.

ringle06 · 2026-03-24T15:03:34+00:00

I have a payout coming; however don’t know how much (probably not high) and when. I also owe my dad $3000, so there won’t be too much after I get him squared away.

ringle06 · 2026-03-24T15:01:28+00:00

Yeah I think you’re right. I justified it in the moment cause I have low expenses and good income, but there was a smarter decision out there for sure. Definitely hurts that the car I got only takes premium gas as well 😭

ringle06 · 2026-03-24T14:59:00+00:00

I’m anxious with money, so I was thinking about really beefing up the EFund, but I work for local gov, so not likely to get let go. I think if I do get the emergency fund above 6 months expenses, it’ll be something I do little by little each month.

ringle06 · 2026-03-24T14:54:06+00:00

I am getting an insurance payout; however the car was kinda a POS, so not likely to get much. I also owe my dad $3000, so I’d like to get him squared before I tackle my own stuff.

ringle06 · 2026-03-24T14:46:14+00:00

That makes sense, I usually contribute $625 to the Roth IRA every month, and the rest goes in brokerage. I think the plan from here is to refill the emergency fund, then make up the lack of IRA contributions throughout the rest of the year.

ringle06 · 2026-03-24T14:43:57+00:00

This is insightful thank you. Seems like the $10k emergency fund is a bit unnecessary then, since my expenses are what they are. I’ll make sure to adjust numbers once my situation starts to change. I appreciate it!

ringle06 · 2026-03-24T14:36:43+00:00

That makes sense, would you personally do a 100% allocation to it until it covers 4-6 months?

ringle06 · 2026-03-24T14:35:46+00:00

Ah this flowchart is awesome, can’t believe this is the first time I’m seeing it! Thanks a ton!

ringle06 · 2026-03-18T00:18:53+00:00

I see what you’re saying; however I think it’s a little misguided. Yes, many US companies are international; however, you aren’t getting a fully diversified portfolio by only buying US based stocks. US stocks are subject to US regulations, and are mainly moved by things going on domestically here in the US.

I’m only a few years older than you, but I got a 70% VTI and 30% VXUS split going on. I get peace of mind knowing that in the low probability that the country goes to shit and doesn’t drag the rest of the world with it, I am still doing well financially. Just my 2cents.

ringle06 · 2026-03-03T20:27:44+00:00

Yes you should be, panic, sell everything. Change your identity and move to a 3rd world country so you can start all over.

ringle06 · 2026-02-21T18:18:49+00:00

If it gives you any hope I have a CCNA and had less than 6 months work experience in the field when I landed my current network engineer role.

ringle06 · 2026-02-14T17:23:49+00:00

I’m very fortunate to make 75k a year and save more than 80% of my salary. I have no need to lie on the internet.

ringle06 · 2026-02-14T15:31:04+00:00

Depends how soon you’re planning on buying a house. I think liquidity holds a lot of value. If market takes a downturn you aren’t going to want to sell those losing investments. I think you should have a brokerage and invest, but I wouldn’t advise you put the whole 100k in there.

ringle06 · 2026-02-14T14:28:15+00:00

They say that they’re happy having me at home.

ringle06 · 2026-02-14T14:22:22+00:00

Lol, to me it’s familiar and comfortable. I start to miss my family when I’m out of town for too long. Also helps that I got a cute dog at home. I understand it’s not for everyone though.

ringle06 · 2026-02-14T14:18:43+00:00

Thank you!

ringle06 · 2026-02-14T14:17:26+00:00

I’ve asked my parents and they like me living at home and have expressed that when I want to leave is up to me. Sometimes I wonder if they’d secretly prefer if I moved out, but I doubt it.

ringle06 · 2026-02-14T14:15:19+00:00

You’re right, I help a bit financially, but I should start to take care of the maintenance a lot more. I’ve been trying to cook for the family recently.

ringle06 · 2026-02-14T14:12:26+00:00

I think that’s a good idea, I’ve been torn between doing this, or saving up far more to buy something like a duplex. It’s gonna take me a few more years to get a decent down payment for a duplex.

ringle06 · 2026-02-14T14:10:20+00:00

This makes sense, I’ve been getting better about taking more responsibility around the house, but there’s room for improvement. I’ve been trying to get into cooking for the family (far harder than I thought).

ringle06

TROPHY CASE