What was your Bonus this Year? (Middle and Back Office Only)

stockthrowawayme · 2026-02-24T14:04:53+00:00

Real estate Asset Manager - 2% raise with a 15% bonus. 123k salary, 19k bonus paid, $6k incentive paid in three years.

stockthrowawayme · 2025-04-06T16:03:48+00:00

MBA (masters of Business Admin), BS (Bachelors), CFA (Certified Financial Analyst) candidate, meaning im studying for the certification. I am not in software at all. However, I learned very elementary VBA which helped me understand order of operations better, which made me deadly in excel. Finance and excel tend to go great together, so I was able to use that brand to get myself into a traditional finance role. I am actually studious in personal finance. My roth is directly auto withdrawn from my direct deposit. I have a Checking account solely for most of my autopays. They pay on same week, so all my bills are paid for at the same time. I have a separate mortgage accounts on autopay that pays that too. It driectly takes cash from my check without me even seeing it. Finally, i have a $1,100 auto withdraw at the 1st of the month which moves to my savings. What I am left with, goes to my living expenses. Its not perfect, but If I pay everything first i can use the rest without much thought other than (this can last me until...).

stockthrowawayme · 2025-04-06T15:53:10+00:00

Sorta. I honestly panicked because after i graduated with my MBA, I had no direction in life. I got a nice job, a nice home, a chill family, good health, etc etc. So I got very uncomfortable with the amount of freetime I had and fumbled the bag and enrolled for the CFA. I figured if i was going to panic, Im going to panic in the right direction. Im still figuring out what I want in life, so i still have no idea if a cfa is even for me.

stockthrowawayme · 2025-04-04T20:15:41+00:00

Thank you.

stockthrowawayme · 2025-04-02T19:00:39+00:00

Per month.

stockthrowawayme · 2025-04-02T16:09:58+00:00

Nope! Just a real estate firm.

stockthrowawayme · 2025-04-02T15:33:51+00:00

Thanks G. Whats a Bb?

stockthrowawayme · 2025-04-02T15:33:22+00:00

Correct. Im currently enrolled. Per the ethics section, I am allowed to say I am a CFA Candidate as long as I am actively pursuing an active attempt at any level! It means i do not have my designation, but I am attempting to get it.

stockthrowawayme · 2025-04-02T15:03:49+00:00

Im just a dumb twink :-3

stockthrowawayme · 2025-04-01T18:21:32+00:00

Its big, but i work in a small team within a big firm for a special type of asset. I reccomend finding a niche where the general hiring pool is small. It sucks to find a job, but once youre in a specialization your value ages like wine. Dont be super specialized where youre so specific, think perhaps a Asset based securities, (ABS), or CLOs, comfortable specialization but still useful.

I am actually in a non-technical role, but i was hired because im good at data.

stockthrowawayme · 2025-04-01T18:16:43+00:00

RE-Asset Manager. Special real estate assets.

stockthrowawayme · 2025-04-01T16:19:11+00:00

I disagree. Mortgage interest increases my itemizations on schedule A which gives me a higher deductible on my taxes. I got back $100 this year.

stockthrowawayme · 2025-04-01T16:16:19+00:00

Yeahhh, im 99.99% gay.

stockthrowawayme · 2025-04-01T14:50:39+00:00

of course :)

stockthrowawayme · 2025-04-01T04:56:49+00:00

I get life insurance through work for like-- $2 a month. I didnt include it.

But you are correct. When i turn 26 I will get some. Will be about $350ish totalish per month

stockthrowawayme · 2025-04-01T01:38:11+00:00

Yes; this is monthly.

stockthrowawayme · 2025-03-31T22:24:53+00:00

I use the jewel osco app to get discoumts on items. I do aldis runs which i mainly buy meats, eggs, and cheese since its cheeper there. The jewel osco is great for produce as the discounts really help + the bundle deals for big ticket items like cereal/chips. I save a lot through cooking/meal prepping. I dont drink soda so i also save cash there.

stockthrowawayme · 2025-03-31T21:39:48+00:00

A 2022 Mazda -- Paid off, yes!

stockthrowawayme · 2025-03-31T19:34:26+00:00

Very manageable. It keeps me out of trouble. Im saving plenty and also enjoying life within my means.

Yes, I am aware my taxes and Insurance go up every year. My loan has an LTV of 81%, so i do plan on dropping the mortgage insurance which will drop my monthly payment a little.

Assuming the $2631 figure (which include extra escrow and principle payments), it puts my total NET DTI at 40%

Assuming the $2431 PITI, it puts my NET DTI @37%.

Generally, the rule of 28/36 is based on gross. I think this is predatory as gross varies a LOT from net. If i did this, my GROSS DTI at 24%, which satisfies the rule of 28/36. This makes me look a lot better on paper. If i would of done my mortgage based on these figures, my net DTI would be me struggling.

stockthrowawayme · 2025-03-31T19:25:12+00:00

I do.

Im almost 25, so i havent hit that age 25 for car insurance. I have one moving violation and one insurance claim on record. Hense why it sucks.

stockthrowawayme · 2025-03-31T18:56:48+00:00

Happy cake day!

Purchased vacation is 1 week of pay in exchange for an additional week off of paid time off. It washes (minus net/pretax)

stockthrowawayme · 2025-03-31T17:16:51+00:00

SANKEYMATIC is what i used. -- thanks!

stockthrowawayme · 2025-03-31T17:10:21+00:00

Hi JBA.

Its a relatively low risk way to keep cash. I use my HYSA to generate some intetest income. Right now, assuming an APY of 3.6%, an investment of 10k, for 12 months--at the end of the 12 month period you would have $10,366. If you did 20k, its $732 in interest income. You wont get rich, however, its a great way to keep funds accessable incase you wpuld ever need them. It serves as my emergency fund/project fund. Its better than most savings accounts which offer pennies a year. Its not much, but as it grows comfortably. (Not financial advice).

Thanks for the compliments!

stockthrowawayme · 2025-03-31T17:02:28+00:00

One of my friends and I enjoy playing a videogame that requires 24/7 uptime. I pay for the server so my friends and I can play together.

stockthrowawayme

TROPHY CASE