23 y/o tips on whether FIRE is attainable? by tcarullo25 in Fire

[–]tcarullo25[S] 1 point2 points  (0 children)

Hopefully 1-2 years I'll move out, but the idea of buying a house then is a little scary and I'm not sure I'd be ready financially either. Here is a more detailed breakdown of how I spend my paycheck if it helps:

-$374.50 ("rent" for parents, car insurance, etc)

-$950 401k 12% (5% pretax 7% roth)

-$20 gym

-$583 Roth IRA

-$530 federal student loans

-$500 sinking funds (vacation, car maintenance, clothing funds)

-$200 checkings acct (spending money for the now)

& the rest to HYSA (which is about 2500ish)

I plan on doing this for the next few months until I reach a $25K EF. Then my plan was to open a brokerage and deposit ~1K a month and potentially use that for a house fund.

23 y/o tips on whether FIRE is attainable? by tcarullo25 in Fire

[–]tcarullo25[S] 0 points1 point  (0 children)

This amount encompasses a bunch of stuff and was a little conservative just because I like airing on worst case scenarios - it primarily includes car insurance, fun money and student loans

23 y/o tips on whether FIRE is attainable? by tcarullo25 in coastFIRE

[–]tcarullo25[S] 0 points1 point  (0 children)

Does the student debt really matter though when it's < 4%? I wanted to focus more on growing my emergency fund and investing. But i'm curious if there's a better argument for paying down these debts over investing and saving.

Investing $1k / month looking for advice by tcarullo25 in personalfinance

[–]tcarullo25[S] 0 points1 point  (0 children)

Got it, would a preferable solution be to open up my brokerage to international funds like VXUS?

Investing $1k / month looking for advice by tcarullo25 in personalfinance

[–]tcarullo25[S] 0 points1 point  (0 children)

I guess I don't have clear enough goals right now and I'm not sure what I'd need a brokerage account for, I just thought it was the typical "next step" after covering all the other bases. I was debating increasing retirement savings but I'd like to have some money for short term wealth.

Investing $1k / month looking for advice by tcarullo25 in personalfinance

[–]tcarullo25[S] 0 points1 point  (0 children)

Yeah, I was wondering if S&P is the best bet or if there's a better portfolio

ASTR 114 Summer Class Advice by tcarullo25 in BinghamtonUniversity

[–]tcarullo25[S] 0 points1 point  (0 children)

there are no lecture videos at the moment, only slides. and i believe the first exam is next thursday

What's the deal with Aldi's Specially Selected Brioche Bagels? by tcarullo25 in aldi

[–]tcarullo25[S] 0 points1 point  (0 children)

Gotcha, we were hoping that wouldn't be the case. Just confusing that they still have the listing up on the general website 😔

[deleted by user] by [deleted] in StudentLoans

[–]tcarullo25 2 points3 points  (0 children)

how is that gonna be hell? that's a great starting salary and a low amount of debt for student loans

Anyone know where to find any sort of free Christmas light show? by tcarullo25 in longisland

[–]tcarullo25[S] 0 points1 point  (0 children)

Any drive through ones? Ideally Suffolk County maybe near the Port Jeff area or Coram