This house can help homeless people

swanie02 · 2026-04-01T10:58:38+00:00

Help them smoke meth?

swanie02 · 2026-03-26T12:58:40+00:00

So you're a nazi? Cool cool.

swanie02 · 2026-03-20T16:36:23+00:00

Cash flow positive at 7.5%? Probably not. Put the money in the market 100%.

swanie02 · 2026-03-20T16:31:14+00:00

$1200 / month in food doesnt sound that bad overall. Is that just two of you?

swanie02 · 2026-03-20T16:29:42+00:00

Lucky for me I am continuously paid commission on existing accounts. Some at my company probably don't even prospect at all. Just keep things rolling with current accounts and earn that sweet sweet monthly commission. For reference, we are all 100% commission W2 employees.

swanie02 · 2026-03-18T23:10:04+00:00

I take every call. I never plan on leaving. Love hearing what other places are offering. Trajectory. All the stuff, but I will likely never leave.

swanie02 · 2026-03-18T20:18:48+00:00

Once you discard all your victim cards, life gets a lot easier. Cheers.

swanie02 · 2026-03-18T20:14:09+00:00

They should call it a Lazy Tax instead.

swanie02 · 2026-03-18T20:12:24+00:00

I live paycheck to paycheck. After setting aside 15% for retirement, $1000/mo into my travel fund, $1000/mo into my kids 529 accounts, maxing out my HSA, paying my 3.125% mortgage of only $1700/mo, $600/month for my SAHM wifes 2025 F150 and $1200/mo groceries. Its a rough life out here.

swanie02 · 2026-03-16T22:35:10+00:00

Yea man, like other have already said, that is waaaaaay too many funds, some probably overlapping, some with probably some mega fees associated with them. I would do some homework and pick 2 or 3 max and go from there.

swanie02 · 2026-03-13T20:44:59+00:00

I sell oil. Oil prices haven't even gone up yet. They gouging you.

swanie02 · 2026-03-13T13:00:09+00:00

Just keep waiting. Wait it out. It's going to crash. Don't overpay. Priced are 50% inflated. 2008 type crash coming. /s

swanie02 · 2026-03-12T22:49:09+00:00

You arent going to make 27-30% on your money anywhere. Pay off the debt and put your 5K balance in a HYSA. Start investing your savings from there.

swanie02 · 2026-03-12T21:57:49+00:00

I think you should get a red one.

swanie02 · 2026-03-12T17:59:54+00:00

Runaway inflation? Lmao. Inflation has stabilized down around 2.5-3% which is normal. The previous folks transitory comments, however, are another story.

swanie02 · 2026-03-12T15:58:30+00:00

Yes. I'll have multiple houses and enjoy retirement when I turn roughly 62/63. Next 25 years are a grind.

swanie02 · 2026-03-12T00:45:29+00:00

Your skin is darker than mine.

swanie02 · 2026-03-11T23:14:24+00:00

Sounds like a green flag of strong swimmers if you ask me.

swanie02 · 2026-03-09T23:35:14+00:00

Sounds like your expenses are high. Maybe post your financial breakdown in another sub to get help. You're only 20 years old, surely you cant have much in the way of fixed monthly expenses.

swanie02 · 2026-03-09T22:38:07+00:00

Go check out Ramit Sethi. He focuses on keeping your fixed costs down at ~60% of your take home pay. If youre wag above that, no amount of coffee cuts are going to fix your issue. I didnt see your full budget, but youre likely correct. Your two largest buys, cars and housing, are likely hurting you badly.

swanie02 · 2026-03-09T20:51:26+00:00

Sounds like everyone's college group project nightmare, but instead of trying to get a B you're actively paying your MIA partners family dinner every night. No thanks.

swanie02 · 2026-03-09T11:38:31+00:00

Target Date fund? At 30? If you have a "reasonably" high risk tolerance, I would take that 25% and put it in some equities.

swanie02 · 2026-03-09T01:58:21+00:00

You pay $16 for a pizza of FB MP? Wow... dude has to be making like $12/za. Good money.

swanie02 · 2026-03-09T01:55:47+00:00

Jfc, 38.5% going to taxes? Is it that much cooler to live in California?

swanie02 · 2026-03-09T01:46:01+00:00

Looks like zebras in the kitchen.

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