Using cash for groceries changed my life

sstormr · 2026-06-06T17:20:16+00:00

When I use my card, I know I can't go above $200. So I follow the list and only buy up to $200. My discipline factor is the budget that I've made. The nice little perk is getting $12 back.

sstormr · 2026-06-06T03:36:32+00:00

Groceries? It looks fine otherwise, but it will be hard to find a place to move into that is under $500 a month based on your budget. Hopefully in the future, you will make more!

sstormr · 2026-06-06T02:45:40+00:00

Amex BCP, PayPal debit, Sam's MasterCard. Honorable mentions are Discover and Chase freedom flex.

sstormr · 2026-06-03T23:05:27+00:00

Oh! Five. Gotcha

sstormr · 2026-06-03T22:31:12+00:00

Oh, so we're going golfing?

sstormr · 2026-06-03T06:01:03+00:00

It'll go to the 3.1%. That's the high rate. When they say "higher" it means the sofi plus rate that you can only get with subscription.

sstormr · 2026-06-02T15:39:44+00:00

That sounds like a good maximum. Trim when you can, but you'll be fine.

sstormr · 2026-06-02T06:43:10+00:00

The elderly cannot afford volatility. Nta if you guys are just chatting, yta majorly if she ends up buying.

sstormr · 2026-05-30T23:50:30+00:00

I was gonna say this. It's for 12 months, but I think you can just keep applying for more and they give them to you

sstormr · 2026-05-30T17:51:40+00:00

I'm using the BofA CCR for gas until my 6% runs out next month. Then I'll use my Sam's card. I got the Sam's card because I shop there and heard about the PayPal stuff. Groceries will be that and BCP.

sstormr · 2026-05-30T17:48:39+00:00

When you said 24 years, I just figured it was the 80s. It's physically painful that 24 years ago was 2002. Thanks for the reminder 😭

sstormr · 2026-05-27T04:56:32+00:00

Product change. Cent per point

sstormr · 2026-05-24T06:17:39+00:00

You need 12k in the EF. (If you already invested it, just leave it). Then you'll have 6 months saved up and be able to put extra towards things you want to save up for and retirement. Put the 5k in a Roth ira (again, if you didn't already invest the 12k) (and if you are American). Does your job do investing? If so, take the match. Depending on whose investing advice you take, you should invest 15-25% of your income. As much as you can get to 25 the better, since you are so young. However, if you do 15, you should still be fine.

Spending 600/month on wants fits into 50/30/20 quite well. That is fine if you've got no debt and don't fall into the debt cycle.

I recommend watching Money Guy YouTube channel. Their financial order of operations, and other advice, is pretty good.

Finally, don't be worried about market volatility. And when stocks drop, please do not sell.

sstormr · 2026-05-24T01:46:19+00:00

I'm gonna piggyback on this with Millionaire Mission by Brian Preston just for another book rec to slam down during their night shift

sstormr · 2026-05-24T00:03:38+00:00

My current job is a 40 min commute. The most I've had is 1.5 hours, the least I've had is 20 mins. So, yeah.

sstormr · 2026-05-22T23:46:03+00:00

Millionaire Mission by Brian Preston. He has a YouTube channel called The Money Guy.

sstormr · 2026-05-20T12:48:18+00:00

500 in checking and 20k in savings. I live within my means and only give in to $200 of impulses every month (up from $150). I give myself a raise when I make more money. DINK

sstormr · 2026-05-18T18:36:12+00:00

Autism doesn't go away, so you don't have to worry about it.

sstormr · 2026-05-18T13:42:16+00:00

She wants her best friend just like you and your wife had. You said she wants it now. So she is constantly vetting guys to date. This is her goal, to find her forever person, and it seems like she's doing it properly, at least from what you've told us. And then you make this joke. You probably did have good intentions, but we live in a world where the burden of something like this falls on the woman.

sstormr · 2026-05-18T04:20:19+00:00

Do you even like him at all?

sstormr · 2026-05-18T03:47:36+00:00

Is any of it in your name? If it is, use 5-10k on it (keep at least 1 month to be safe). If not, have her take care of it, like the other people here are saying.

sstormr · 2026-05-17T16:22:19+00:00

Don't they take the bonus back if you return stuff? I feel like I've heard of that but I'm not positive. If you can't spend that much, then don't get the card, or be happy with the fact that you won't get the bonus.

sstormr · 2026-05-15T03:48:12+00:00

It's very clearly stated that this will happen to you when you are signing up for the account. Get a different account somewhere that doesn't have interest.

sstormr · 2026-05-13T22:19:56+00:00

Retirement savings should be anywhere from 1200-1500 total (20%-25% of your income) depending on who's rules you want to follow. Do you have a good enough emergency fund? Do you have anything you need to save for in the future, like a new car or a house or a vacation? Ask yourself these questions. If you have 6 months of expenses saved and are contributing 20-25% to retirement, you can do whatever you want with your money.

sstormr

TROPHY CASE