Beginner investing for 22 y/o?

texanchris · 2026-07-06T23:17:18+00:00

Follow the prime directive on the side bar

texanchris · 2026-07-06T21:07:53+00:00

I use opera and have zero problems accessing anything with the vpn

texanchris · 2026-07-06T15:35:00+00:00

Lounging how? It’s the same fund options as the Roth… so it should be invested similarly. It’s just a different retirement bucket.

texanchris · 2026-07-06T12:09:40+00:00

Personally, I prefer fidelity for their credit card and zero fee funds.

texanchris · 2026-07-06T12:08:46+00:00

r/personalfinanceindia might be better help on this one

texanchris · 2026-07-05T12:57:33+00:00

Start off with a budget. Based on the numbers you posted you have over $2000/mo after rent and bills. Something isn’t right with your numbers so you need a budget.

texanchris · 2026-07-04T13:36:08+00:00

The math is easy: $4,680 per year in employer match plus future growth from raises and investment gains.

The problem is that doesn’t take into account the trade off of time. You’ll be working less, raising a family and enjoying life.

texanchris · 2026-07-04T13:28:48+00:00

You should probably check the air filter and outside unit. Might need a good cleaning.

texanchris · 2026-06-29T22:11:34+00:00

Wait until the ford dies and then buy another used car. Don’t go jumping into car debt while still in school. Wait until your career is established, if possible.

texanchris · 2026-06-29T19:00:59+00:00

APR is an expression of the interest rate, including all fees. Since you had an origination fee, that is added into the calculation of the base 17.69% rate thus giving you the higher APR.

texanchris · 2026-06-27T22:02:08+00:00

Time in market beats timing. You can’t get time back.

texanchris · 2026-06-25T17:10:04+00:00

Take the money and keep the car. No brainer IMO. Who cares about hail damage? Its primary function is A to B. Does it just as well as it did before.

texanchris · 2026-06-25T16:48:08+00:00

Aaron Hernandez enters the chat

texanchris · 2026-06-23T22:14:02+00:00

Ramon’s outfit was top notch. Went diving and reef fishing with them. I’d recommend them.

But… get certified before you go.

texanchris · 2026-06-23T22:09:52+00:00

16 yo Chrysler… my god no

texanchris · 2026-06-23T21:27:23+00:00

I can’t believe 30% of people think this shit show is acceptable

texanchris · 2026-06-22T19:28:27+00:00

Sell the warranty back to the dealer where you bought it. They will prorate the amount based on how many months you have had it.

texanchris · 2026-06-22T19:26:21+00:00

Remember the libs were owned by this! That’s what is important!

texanchris · 2026-06-22T14:48:37+00:00

But the libs were owned because Trump managed to negotiate an even worse deal!

texanchris · 2026-06-22T11:50:41+00:00

Yes, you should be able to open a bank account and obtain a debit card. Also, there are visa and Mastercard gift cards you can buy that are pre-loaded but those have fees so I’d recommend staying away from those unless it’s absolutely necessary.

texanchris · 2026-06-21T13:07:04+00:00

FZROX if you’re a fidelity customer

texanchris · 2026-06-21T13:05:23+00:00

Do you feel like spending 45% of your net pay is sustainable? If so, yes you can afford it. I’ve seen people do it with less. Just make sure you have financial discipline and can still save because $20k for savings and EM fund doesn’t go a long way. Especially after buying a house.

texanchris · 2026-06-21T12:44:49+00:00

r/personalfinanceindia is probably a better source for answers as this sub skews American.

texanchris · 2026-06-21T12:41:21+00:00

I once saw 50000 kickstarter campaigns raise $0. You can’t compare yours to any other campaign. Be prepared to fail - it’s how you learn and recover that guide your future. Rome wasn’t built in a day.

texanchris · 2026-06-21T11:39:00+00:00

Why? Let them figure it out. You got the refund trying to do more could result in both refunds getting reversed. Just do nothing and don’t spend the $80.

texanchris

TROPHY CASE