October 2019 15k SPAM Thread

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@JayKay PE like literally everything it feels like. I'm 30 with no debt (yay) but I should probably be more aware of wtf I'm doing and figure out how to maximize my retirement. And maybe shift the investments of my 401k (only have so many options there). Want a place to start so I can figure out my questions LOL
So jealous about the being with no debt!  Don't act like that isn't a huge deal (because it def is).  Right now, if you can, I'd maximize your contributions to your 401k and, if possible, start contributing to a Roth account.  Main difference is that a traditional 401k = you put money in before taxes (lowering your taxable income, which may be important if you're trying to get into a lower tax bracket), Roth = money put in after taxes (meaning you won't have to pay taxes once you start taking money out for retirement).

 
The NCEES office will look like this:

View attachment 14172
Or more like this (since they'll be technically grading still):

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:spammers:

:waitwall:

Can I just go back to sleep. It it too early! 

 
I mean, you can go back to sleep.  Make sure it's at work, though.  Be billable while napping!
Thankfully I don't have to worry about being billable anymore. Just started a new job last month. 

Previous job had me working min 50 hours a week for the last 3 years per client contract. 

 
Anyone have good websites they like to learn more about personal finance? I'm not particularly interested in investing but definitely need to learn more about credit scores and ROTH and other acronyms.
Nerd Wallet is pretty good, as long as you keep in mind that they get paid to place certain products. They're generally honest and and forthcoming, but you should do additional research before choosing a specific financial product.

 
So jealous about the being with no debt!  Don't act like that isn't a huge deal (because it def is).  Right now, if you can, I'd maximize your contributions to your 401k and, if possible, start contributing to a Roth account.  Main difference is that a traditional 401k = you put money in before taxes (lowering your taxable income, which may be important if you're trying to get into a lower tax bracket), Roth = money put in after taxes (meaning you won't have to pay taxes once you start taking money out for retirement).
I maxed out employer contribution in the first year. and currently I think I'm at 13% contribution to my 401k at the advice of my mother (dump as much as you can in now and reduce contributions when you're older if you need to since you won't miss the money now) 

 
@JayKay PE like literally everything it feels like. I'm 30 with no debt (yay) but I should probably be more aware of wtf I'm doing and figure out how to maximize my retirement. And maybe shift the investments of my 401k (only have so many options there). Want a place to start so I can figure out my questions LOL
The quick and dirty:

  • stat planning early (you're already doing this)
  • Start a Roth IRA yesterday. Eventually you'll make too much and you can't take full advantage of it.
  • You hopefully/probably already make too much for traditional IRA for it to be useful as a tax deduction. Not an awful idea to have one anyway. But if your income is low enough to get the deduction: 1) find a better paying job and 2) open a traditional IRA
  • Max out your 401k contributions, or contribute as much as you can afford as early as possible. You should seek out advice on what type of funds to invest it in from someone who actually knows what they're doing and doesn't have a conflict of interest. ex: some people argue for an aggressive high risk/high rewards funds. Others argue for a diversified mix. Intellectually I know I should do the former, but as a Xennial/elder millennial who remembers the great recession and saw a lot of colleagues get burned, I do the latter.
#firstworldproblems #uppermiddleclassstuff

 
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