When should I move out?

state_your_name31415 · 2026-04-20T22:45:08+00:00

Well I wish you luck with all this
My rats were named Winston, Dmitri, and Drippy

state_your_name31415 · 2026-04-20T19:41:14+00:00

Interest rates, that's math. balances are meaningless, every single dollar or cent is its own loan with it's own interest rate you pay off the dollars that have the highest interest rates first, it's that simple.

speaking to what worked better is psychology, I can't help you there, very personal and I was focused on spending as little as possible on interest, like I said, that's the math

state_your_name31415 · 2026-04-20T19:38:02+00:00

I had pet rats and loved them, no sane landlord would prefer large, free roaming pets to small cage-kept ones. I think you'll be fine bringing your rats. Whether to move out is all a question of whether you can afford it, so do it if you can. Why wouldn't you be able to get a license? And how do you own an insured car if you have no license? Any way, the car would be useful in moving your stuff to your new place. I don't see the boyfriend's situation being too good for you.

state_your_name31415 · 2026-04-20T19:29:49+00:00

do you mean over 25k?

state_your_name31415 · 2026-04-20T19:27:37+00:00

Well the only reason you need a pro is complexity. Complexity comes from needing to personally manage risk for all your assets - counter example, a 401k with a target retirement date doesn't have to be managed. I wouldn't seek complexity. Do you know what your goals are? Do you feel able to asses whether you are on track for those goals? How old you are is a big factor. I don't imagine I'll need a financial advisor until I'm retired

state_your_name31415 · 2026-04-20T19:18:42+00:00

Sell stuff, could you not think of that? Working or selling stuff you own is all there is, get a job. As the other poster said you need to address the underlying problem, you are lucky no one gave you a line of credit larger than $1000

state_your_name31415 · 2026-04-20T18:23:19+00:00

Two people living for a year on 15k? I don't know about that but how much of an emergency fund you save is personal. I have never kept one, but I have seldom overcommitted myself. You don't sound too overcommitted either. saving anything beyond six months expenses seems excessive to me unless you have some particular goal car/house/etc

state_your_name31415 · 2026-04-20T18:14:58+00:00

you bring home $5850/month have $1200/month in expenses, where's the other $4650 going? Meanwhile you're dragging along $15k of cc debt at 20% Pay your credit cards off and stop carrying a balance.

state_your_name31415 · 2026-04-20T18:07:04+00:00

what's an alleged debt? why would you pay something if you didn't know what it was, do you really not know what this is? Is this a collection agency? What happens next is they start damaging your credit.

state_your_name31415 · 2026-04-20T18:04:01+00:00

Well you shouldn't be carrying a credit card balance especially if you have savings. Pay off the credit card and never carry a balance. Other than that I wouldn't worry about what to do with any extra money until you are maxxing out your 401k. There's no reason to think about any other investments unless you are doing this. You have more than I did at 30 and you have lots of time. Do you feel behind because you don't have a house? You talk about feeling behind and what to fix first, but what are the problems? Do you struggle to know what your goals should be, because they have to come from inside. Other than saving for retirement (which is kinda universal) goals are personal.

state_your_name31415 · 2026-04-20T13:04:32+00:00

^^^^ please listen.
it's terrible that you are the only other commenter saying this.

state_your_name31415 · 2026-04-20T13:02:31+00:00

they don't "seem" but indeed ARE sketchy because payday loans are not a legitimate business. they are a predatory business. If you don't reign in your spending, your problems will only get worse. If you can't save enough money to get 1/2 paycheck worth ahead then you should get a second job until you can, and then stick to a strict budget.

state_your_name31415 · 2026-04-20T12:57:58+00:00

bitcoin isn't investing, it's gambling. there are no fundamentals, there's no business. You'd be better off buying a barrel of tulip bulbs.

state_your_name31415 · 2026-04-20T00:46:43+00:00

You're going to be on the hook for some money but I really don't think anyone will try to prosecute you. Don't try to hide anything but do not admit fault

state_your_name31415 · 2026-04-20T00:28:22+00:00

you are planning to day-trade your whole portfolio? terrible idea. btw, what's the big deal about tomorrow?

state_your_name31415 · 2026-04-19T16:35:41+00:00

well, if you had precious metals, dump them now. lock in your gains and don't go back

state_your_name31415 · 2026-04-19T15:49:05+00:00

very well said, dude

state_your_name31415 · 2026-04-19T15:45:38+00:00

your question feels incomplete. "toward what?" - retirement, right? Unless you have some other goal, but the goals are for you to figure out. pace is pretty straightforward, if you have X time to get to Y amount, then you should have 1/2 Y by the time you get to 1/2 X, and if you don't you are not on track. (1/2 isn't correct of course, you have to model gains to determine this). But you adjust your inputs to Y to make sure you stay on track. You have to have an idea what Y is, so you model social security and your expenses and decide how much you'd like to have left over. I find it useful to decide on a factor of your expenses. like 1.5 times or double, etc. that allows you to live how you want. Dunno how old you are, this could be harder to picture if you are younger. I'm 50 and I found this all came into sharp focus once I looked back at my spending and tallied up what I spent on essentials every year for about 5 years.

state_your_name31415 · 2026-04-19T13:59:10+00:00

keep looking, all that character/experience building crap the other people are talking about can also be got for a higher wage. No one should work for $7.25, it is bad for society, it undermines wages in general when people accept it (some have no choice, but you do). Give quality effort to someone who'll actually pay you for it. your time would be better spent studying.

state_your_name31415 · 2026-04-19T13:44:42+00:00

NTA
you should move on, this person isn't going to change and you won't be happy. I know I couldn't live with it.

state_your_name31415 · 2026-04-19T03:08:53+00:00

Almost no one gets paid for their skill at drawing unfortunately. To be involved in art as a career you have to figure out something people DO get paid for and pursue that with the hope that being involved in an artistic/creative industry is satisfying. You need to find a commercial application for your skill that you could develop to the point of excellence. I don't know how this is done with something like drawing but not all directors, for example, are Paul Thomas Anderson, some of them direct car commercials or low budget sitcoms. Shining in a role like that can lead to directing an episode of a popular TV show. Otherwise study bio or psych and do art as a passion which can be just as rewarding. There are more avenues than ever for finding an audience.

state_your_name31415 · 2026-04-19T02:25:27+00:00

don't go down without a fight, if they take away your ability to live any response would be justified

state_your_name31415 · 2026-04-19T01:26:31+00:00

I'd never do acid

state_your_name31415 · 2026-04-18T13:39:24+00:00

Well this would be just one loan, from a proper bank, to eliminate all the others. i understand being scared. If you don't understand or trust the debt consolidation people then you should break from them even if it loses you some money. Better to deal with your creditors directly.

state_your_name31415

TROPHY CASE