I started age 30 with absolutely nothing, how am I doing financially?
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Date: May 11th, 2024 7:51 AM Author: henna awkward weed whacker jewess
28 I had a crusty shitlaw job making $60k, $200k law debt, $30k credit card debt, rented in Manhattan.
I quit to cop DAT delicious FedGov gig. Started out making shit. Financial situation worse at 30k.
Now 10 years later $150k salary, $5k savings, $10k checking, $12k stock account, $0 credit card debt, one car payment under $10k, own another car, condo worth $300k and I paid $130k for it. Under $100k left on mortgage. $275k student loan debt but 1 year from PSLF.
What can I do to improve my situation as I enter my 40s. Married with kids by the way which has helped with taxes.
Shit not flame completely forgot. I get a pension here and my fed equivalent of a 401k is at $90k right now.
(http://www.autoadmit.com/thread.php?thread_id=5527425&forum_id=2#47653014)
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Date: May 11th, 2024 7:54 AM Author: pink zombie-like therapy dingle berry
what school did you go to and how did you do?
how did you end up in shitlaw?
is your wife happy with your jerb?
(http://www.autoadmit.com/thread.php?thread_id=5527425&forum_id=2#47653017) |
Date: May 11th, 2024 8:05 AM Author: Histrionic carmine knife
also you really shouldn’t keep any cash other than what you need for typical expenses and a small buffer. the rest should be invested. if you suddenly need more cash you can just sell a portion of your investments, or take out a 401k loan, etc. cash sitting around doing nothing is wasteful.
you won’t beat the stock market unless you’re lucky or have insider info so just invest in low-cost total-market index funds like VTI and hold them long-term. if you’re more risk averse, buy some bond index fund and make it 20%+ of your portfolio.
(http://www.autoadmit.com/thread.php?thread_id=5527425&forum_id=2#47653026) |
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