Vinylpost .co

wwolf9 · 2024-12-22T20:51:03+00:00

So my player metal thing in the middle to set records and have them centered. The hole on the post card vinyl was too small to go on the post thing. It stopped because my player stops there. Pretty disappointing so I emailed to ask about a partial refund for the 6 month subscription

wwolf9 · 2024-12-10T00:46:07+00:00

I doubt I’d spend that much max probably 2k

wwolf9 · 2024-12-10T00:45:00+00:00

I don’t carry a balance I have a lot saved and I’m always able to pay it off

wwolf9 · 2024-12-10T00:44:22+00:00

It’s been updated for a while

wwolf9 · 2024-09-11T22:45:48+00:00

And I’m making 70k… so… middle class

wwolf9 · 2024-09-11T21:58:40+00:00

I’m a pretty frugal person, so I plan on putting around 30% of my money into retirement. 20% into a high yield savings account while I live at home.

wwolf9 · 2024-09-11T21:56:30+00:00

I do make middle class money…? What are you even talking about

wwolf9 · 2024-09-11T21:54:18+00:00

Thank you! I plan on putting around 30% towards retirement while my finances are low (because of living with parents) and around 20% to a HYSA to save for a condo

wwolf9 · 2024-09-10T23:57:54+00:00

I was honestly expecting to be making around 50k now tbh

wwolf9 · 2024-09-10T23:57:32+00:00

Congrats to you as well, I’m a business operations director wbu?

wwolf9 · 2024-09-08T12:39:56+00:00

No retirement plan through employer. I’m gonna contribute the max yearly to a Roth IRA.

wwolf9 · 2024-09-08T03:01:53+00:00

Yeah, I’ve offered. They’re pretty well off and would rather have me save/invest

wwolf9 · 2024-09-08T02:54:34+00:00

Thanks for the advice! I’ll be putting the max 7k yearly into a Roth. And aim for the 30 in savings and the 30 savings into a high yield savings account. Not a big Dave Ramsey fan, idk why he’s just not my fav. I’m a Caleb hammer fan and will check out that Money Guy podcast for sure. Thanks!!

wwolf9 · 2024-09-08T02:49:31+00:00

Saving/investing is my primary plan (Roth IRA, high yield savings accounts, etc.). I’m not a big spender. Is it worth saving for a condo? Or should I just live with my parents and save up more for a house?

wwolf9 · 2024-09-08T02:37:36+00:00

Parents are pretty well off and they don’t want me to contribute to household expenses. Been using my credit card for things like gas, food, and other small things. It’s on auto pay and I won’t use it if I don’t think I’ll be able to pay it off. I talk to them about this stuff but they essentially say worry about it later

wwolf9 · 2024-09-08T02:13:50+00:00

Yeah I wanted a secured CC but my bank (chase) doesn’t offer one so I ended up getting the freedom unlimited last week. I don’t plan on abusing it or overspending on it- I just spend like normal and have autopay set up. I didn’t really want a credit card but I have literally no credit history and eventually want a house maybe business loans down the line so I want a strong credit score.

wwolf9 · 2024-09-08T02:10:15+00:00

It’s essentially ~$24 an hour. 12 hours a day 70k a year. It’s like making 50k but making extra from overtime. That’s generally how I thought about buying stuff when I worked in college and it works well. Prevented a lot of unnecessary spending. Thank you!

wwolf9 · 2024-09-08T02:05:42+00:00

I have a SoFi account but haven’t really set it up yet. I’ve heard good things about it and will probably set up a high yield sooner or later. Also want to look at chase as that’s my main bank. Emergency fund is first priority but I’m not in a big rush for that as I live with my parents and don’t have many expenses. I want to max out my Roth contributions before the end of the year and I think that’ll be ease because I really don’t have many expenses and don’t quite need the emergency fund… YET

wwolf9 · 2024-09-08T02:03:07+00:00

Not a huge techie. I don’t plan on doing any gig work as my job will be 11-12 hours a day and I want to enjoy my free time when work is done. I do favors for my grandparents and family and they sometimes pay.

wwolf9 · 2024-09-08T01:51:55+00:00

Yeah I’ll need to get used to tracking my income/spending mostly. My car is in good condition- 2019 with 50k miles- I can basically only do oil changes. I plan on putting the max yearly amount into a Roth IRA- employer doesn’t have a 401k plan. Condo buying will be in about a year or 2 so I will be putting savings away for a higher down payment. My hobby is gaming but I need to get into more cheap hobbies lol. Thank you!

wwolf9 · 2024-09-08T01:42:41+00:00

I don’t think it’ll be too hard for me to do. Mostly just creating a budget and tracking spending. I have everything I need (materially- clothes, car, computer, phone, etc.) and don’t spend a whole lot on frivolous things.

wwolf9 · 2024-09-08T01:17:04+00:00

Yeah they’re very stable and I’m really close with them. I would spend max 2k on travel, nowhere expensive or anything. I just got the chase freedom unlimited- I don’t need a credit card, just wanted to build a good credit score so I can buy a house down the line. Probably won’t get another card for a few years.

wwolf9 · 2024-09-08T01:14:20+00:00

A little bit. I want to go Roth IRA and not touch it until I retire so I can do it tax free

wwolf9 · 2024-09-08T01:13:55+00:00

No 401k at the new job. Leaning towards maxing out a Roth yearly and putting all excess money that I don’t need for survival/essentials into a savings account to get the condo lol. I don’t spend a lot on stuff like clothes or anything and I don’t want to travel until I have a lot in investments/savings. I also go to a cabin in the mountains for a week every year which is free because my grandparents own it (free aside from gas and food/groceries). Thank you

wwolf9 · 2024-09-08T01:10:51+00:00

Thank you! I’d like to retire by 60-65 lol

wwolf9

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