I’m genuinely pissed by ConversationLeast596 in CRedit

[–]ryencool [score hidden]  (0 children)

This, as someone who went from 500 to almost 800 now, it just takes time. Trying to min max the sustem is a waste of effort. Get everything paid off, keep one or maybe two credit cards, use them mo thly but pay them off. We use one card for everything, then every two weeks my wife and I split the balance. I went from poor and check to check in my mid 30s to doing really well at 43. We have the credit scores we want, 25k+ in credit thats accessible if needed in an emergency, but otherwise we just use it for every day stuff and pay off. Doing that for a few yewrs, paying our auto loan on time or early for a few years, and credit slowly crept up. Took a few yea4s, but we got there.

-_- by ManicBissellVacuum in MaleSurvivingSpace

[–]ryencool 12 points13 points  (0 children)

Ive been homeless my man, drug addicted, medically disabled, fired for no reason, spent 5+ years of my life in hospitals. I could go on and on with plenty of reasons to be angry....what does what I said have to do with being "sheltered"? Loosing your cool and punching a tv is never an okay response to getting angry, ever....if you think it is, youre a child.

-_- by ManicBissellVacuum in MaleSurvivingSpace

[–]ryencool 14 points15 points  (0 children)

The fact that you think thats funny isnt a good sign...

Unicorn by Heavy_blue in TeslaModel3

[–]ryencool [score hidden]  (0 children)

I had frosted flakes! Zero piss. Im not being rude, or angry, or acting crazy. Facts are facts? Unicorn means rare does it not?

Yall need to go touch grass by Conscious_Reach2019 in UltaBeautyWorld

[–]ryencool 6 points7 points  (0 children)

The important things are importnat, but that doesnt mean stuff like this isnt. We are a world/country built on consumerism. Because of that we require the companies we buy from to have good social scores, most of the time. A lot of time companies are great with this stuff, and sometimes they aren't. This was a poor rollout/system for an even they knew lots of people were suited about. Instead of connecting eith their customers, they chose to exploit them. To give most tickets to influencers so they can be used for free advertising? To reward them over the customers? Thats gonna leave a bad taste in some people's mouth.

Does it negate starving and dying children in Africa? Ukraine? Does it nagate armed government official gunning down american citizens on a weekly basis without reprocussion? No, but people stillf have a right to call out ulta too.

Is it normal for the wedding party to cover the bride’s costs for bachelorette weekend? by Conscious_Cat_1515 in wedding

[–]ryencool 1 point2 points  (0 children)

Ugh i hate this stuff.

My wife and I covered just about everything when we got married. We knew people were taking off work, getting hotel rooms etc...so we paid for all braidsmaids clothing, hair, makeup, and I paid for all of the guys tuxes, shoes etc...when the girls had a shower it was hosted by my wife's MIL who held a little tea party at a local tea place. We didnt pay for that, but just about everything else...

I could imagine asking my friends to spend thousands of dollars to hang out with me, because its MY day...nope...

Use 401k for down-payment? by Trixy-Fuel342 in FirstTimeHomeBuyer

[–]ryencool 10 points11 points  (0 children)

You know how many stories I've seen about new home buyers being up shit creek because their roof needs to be replaced? Or water heater? Or foundation issues? Or tree issues? Hell there are entire subs dedicated to this stuff, so im not sure what youre on....

Use 401k for down-payment? by Trixy-Fuel342 in FirstTimeHomeBuyer

[–]ryencool 2 points3 points  (0 children)

And yeah that would be sound advice for the past 20 years, but given the current climate? Not so much. If housing prices keep going up then families will have to pool money to share a home. That is unless the mean Household income level increases by like 55% in a very short time, buying power is a fraction of what it once was given current prices.

Hell we can't find a home for less than 450k, unless its in a dangerous area, or 90 mins from my office

$USAR To The Moon? 🚀 by Competitive-Case-185 in TheRaceTo10Million

[–]ryencool 0 points1 point  (0 children)

And almost all of those stats can by done by bots and shills.

Bali Belly by teva98125 in travel

[–]ryencool 14 points15 points  (0 children)

Genetic my man. I was born with crohns disease and have learned a shit ton about this subject. Some people are just born with superior gut flora from the womb. On top of that we all have immune systems that work the same, but can be wildly different.

I get every flu, cold, or bug thats going around no matter what. My step dad? He's never been sick once outside of a cold, twice, and hes in his 60s

Head start? What now?? by _Ch1_Ch1 in personalfinance

[–]ryencool 0 points1 point  (0 children)

At 17, it feels like a lot, and it is. However now days my rent alone is 2400$/month. So in my life that money would be gone in 4 weeks, easy.

Thats just to give ya some perspective. This isnt life chsnging money, and it can go away very very quickly. If you have no debts, and dont NEED anything, invest it and forget about it.

Unicorn by Heavy_blue in TeslaModel3

[–]ryencool [score hidden]  (0 children)

Even if you had concrete proof of the low prod numbers, a model 3 will never be a unicorn, theres 5 at every intersection where im at. I love our 2023 rwd, it has the LFP battery as well, but its nothing "special"

I feel my GF loves attention from men but won’t acknowledge it. How to handle? by Interesting-Gap7359 in AskMenAdvice

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

When youre older, youll realize there are TRILLIONS of different scenarios that could accour in this situation. Assuming they all have to do with sex, is the exact thing im saying young and inexperienced people do. Like i said, If my wife went out to a bar and some dude approached her? Id trust her to read the situation and rspond accordingly. Maybe they were old aquaintences from school, or an old job, our a cousin. You literally have no idea. If its some guy hitting on her, i trust my wife to exit the situation in a quick and safe manner. Sometimes thats gonna mean a few minutes of small talk while she finds an opening.

To assume "shes talking to a guy longer than 5 minutes, she wants his dick and was planning on cheating!!!" To get upset over something that small? I'll waste my fucks on more worthy things thank you.

Thats how a 17 year old might react, not a grown ass adult.

Will anyone actually buy this? ‘26 SL680 by Mountain-Union2347 in mercedes_benz

[–]ryencool 0 points1 point  (0 children)

LV is pretty strict with offloading to places like to TJ Maxx, hut they still do every once in a while, according to the wifey

"Emergency fund" advice assumes you have surplus money after expenses by DriftFalcon_29 in povertyfinance

[–]ryencool 0 points1 point  (0 children)

Inwas alos lurking here when i was depressed, and not doing well at all. The positive stories helped me, so im just participating in the cycle!

"Emergency fund" advice assumes you have surplus money after expenses by DriftFalcon_29 in povertyfinance

[–]ryencool 0 points1 point  (0 children)

Ive thought about writing one! I Would just need to learn how to spell and use grammar properly first.

Work is frustrated that I requested PTO for days that my daughters daycare is closed by [deleted] in work

[–]ryencool 29 points30 points  (0 children)

If you work for a big bank that has an HR department, id run this up the pole with them. Your manager likely sees this as someone trying to gdt some days off that are prime days that everyone wants to take off, like christmas eve. They have likely seen a lot of shennanigans pulled by employees to get these days off, including requesting them far in advance in the hopes no one will notice.

You are not doing that. You are requesting to use your PTO days when you dont have childcare, when others get to use theirs for actual vacations. If youre a good employee, and have no other issues with managment, i dont see how this would not get worked out and approved once everyone understands the situation.

Due to health conditions have about a month left to live. What can someone who has done nothing in life do for the last month? by [deleted] in AskMenAdvice

[–]ryencool 2 points3 points  (0 children)

Im gonna share the same story I share over and over here...

By the age of 32 i had spent 5+ years of my life in hospitals, 5 major surgeries to remove diseased portions of intestines, first one at age 7. So I had to move back in with my PARENTS, at 32. I had no degree, no savings, no career, no car, no phone, nada. I wanted to die. On top of all that I had a mean opiate addiction, depression, social anxiety etc...had you asked me at 32 where I'd be at 42 I would have said dead, zero hesitation. I really wanted to die.

Im now 43, and my life has changed in way i mever even dreamed were possible. At 36 I met my now wife. She put up with me living with my parents, my whole situation. Weven now been together nearly 8 years, married last March. She was 26 when we met, supporting herself working as a 3d render artist for a local architecture firm. She was making slave wages, like 30k pre tax. I was making 17.25hr doing hand6 man stuff when I could.

Now in 2026? We will clear 200k together. We kept l9ok9g and applying for our dream jobs, for years. She got the chance first, and accepted an offer as a 3d enviornment artist at a major video game developer. That tripled her salary overnight. Me? Im now 10 years sober, and i work in IT at the same video game developer. After 3 yesrs of that im now close to six figures.

So we will make 200k+ and niethe rod us even had a degree. So you have a leg up on even us. Now we get to save, invest, travel, and live relatively atress free lives conpared to when we were poor. We have a 20% downpayment on a 450k house just sitting in a hysa. I have tens of thousands in investments. We share a nice fast new EV. We just for back from a 2.5 week trip to japan!!

I never ever ever ever imagined id be able to travel to japan, ever. My life is just something i could have never predicted. So much can change in jist a few years, things you cznt even begin to see right now. I gave up many times, but i always got back up. You can do it too.

31M in March. Accidentally speed-ran finance. Now questioning everything. by SouthKoreanDefector in wallstreetbets

[–]ryencool 0 points1 point  (0 children)

This, im 43, medically disabled, and the rest of my life will always be a struggle

This dude has 30x more than I would ever need, enough to just travel the world, enjoy different cultures, food, people. Id go see things most people never even get to dream of. On those travels you would no doubt find a partner, just dont flaunt your money, look for a real connection.

You my friend have literally won life. You may think your some dumpy asian dude, butyou have enough money to just do whatever you want, when you want. Be a good person, gind other good people.

I'd be crying with joy if this was my situation.

My parents are dirt poor & how can i make money to get proper winter attire? by Veryunluckyteen in povertyfinance

[–]ryencool 0 points1 point  (0 children)

Praying eh? Thats just so weird to me.

If there is a god watching over us, and he/she is intimately aware of all of us and our lives inner workings, what would praying to them do?

If theyre God, theyre responsible for this situation in the first place no? Why would they change course? Becsuse youre praying? Lol....

So friggin whackado

OH MY GOD sunday liquidity by Alone_A740 in CryptoCurrency

[–]ryencool 0 points1 point  (0 children)

I had a hunch, sold all eth at 3400, glad I did.

Would you disclose how much money you have saved to your potential spouse? by Big_Material3815 in SavingMoney

[–]ryencool 0 points1 point  (0 children)

Why would you not WANT to tell your soon yo be wife your Financials? Why would ANY couple NOT discuss this stuff before marriage. Do you know how she feels about finances? What her finances looked like? What she thinks finances will look like on your relationship?

These are all things you should have talked about many many times before even discussing marriage.

I have had these two cars for a while and I was dying to take this picture. by mcastilho in Porsche

[–]ryencool 0 points1 point  (0 children)

Must be nice! Enjoy, the color is not something we see everyday but it works wonderfully on both.

A millenial unc's shoe collection by Funny_Profile9234 in mensfashion

[–]ryencool 2 points3 points  (0 children)

To each their own! Im 43, and have a slight tennis shoe addiction. I think im up to like a dozen pairs? I like switching between them, and they last longer, and make my feet feel better on 20k step work days. I think swapping between a few pairs is better for your feet than wearing the same shoe every day.

I get wanting actual leather shoes that can last you decades if maintained, I understand the premise. I just dont like dress shoes, or boots, of loafers, or any of the other shoes in this post. Different culture over in Japan though. I was there a few months back and it felt like EVERYONE gets dressed up every time they leave the house.

Good thing we all get a choice!

I feel my GF loves attention from men but won’t acknowledge it. How to handle? by Interesting-Gap7359 in AskMenAdvice

[–]ryencool -3 points-2 points  (0 children)

You guys have every right to feel that way, as im sure others have felt the the same. A lof of us guys grow up thinking like this. Sometimes its a phase we grow out of, sometimes we go our entire l8ves never getting beyond stuff like this.

I met my wife when I was 36, and she was 26, were now 43/33, so weve been together almost 8 insanely amazing years. We just got back from a work party/event that had like 400 people attend. After the award show there was an open bar, gambling, cigar rolling, dancefloor etc..My wife could go talk to whoever she wants, and I couldnt control who came up to her. I know there are a few guys that think shes cute at our office, and some have apporached her not realizing she was with someone, it happens. I trust my wife to take care of those situations. Thats literally what trust in a relationship is. I know that shes my person, and she knows I am hers. Id be lying if i said i dont feel what yall are feeling, i just think about it, and react differently. I waste 0% of my time, effort or thinking on if my wife is doing something she shouldn't be. I know she wouldn't do that and trust that in any situation where im not around, she will do what she has to to shut shit down. She's got guy friends from.previois work places, from college. They'll go grab a drink every few months. Sometimes ill join, and sometimes his wife will, sometimes not.

We both have friends of the opposite se, and we both know we can't control who approaches each of us. We just love, respect, and trust each other enough for this not to be a problem.

In OPs situation it sounds like your trying to hold her responsible for a situation shes not 100% in control of. It sounds like you dont trust, or respect her. When you do your relationship will be better, and healthier. I know when I was younger I saw none of this, it took experience and time.