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Forum » Your current savings $?
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Thread: Your current savings $?

post 1633452043 03-10-2021, 04:34 PM
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#31
  1. WinningBrah
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Lol @ savings srs

Lol @ keeping more than 1 month's expenses in cash

It's 2021 if you have an unexpected expense you can sell assets and have liquid cash in a single business day. Or just use a credit card and pay it off at the end of the month lol
post 1633452693 03-10-2021, 04:43 PM
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#32
  1. ThaifooN90
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Originally Posted By WinningBrah⏩
Lol @ savings srs

Lol @ol @ keeping more than 1 month's expenses in cash

It's 2021 if you have an unexpected expense you can sell assets and have liquid cash in a single business day. Or just use a credit card and pay it off at the end of the month lol[/QUOTE]true but would rather keep a little extra cushion so I don't have to sell and pay that cap gains tax or while the markets down
post 1633452713 03-10-2021, 04:43 PM
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#33
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More than you can afford, pal
post 1633455333 03-10-2021, 05:18 PM
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#34
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My breakdown ATM is basically $12k emergency fund, $5.5k non-retirement investing, $45k retirement investing, my paid off car worth $15k, zero debts of any kind. I'm almost 26, a little late to the "non-retirement investing" game, but only because I kept focusing on paying off my student loans / car debt, and also buying some fun stuff in the interim like my gaming PC.

Plan is to keep doing the 401(k) match, and put all else into my non-retirement investing until it gets to be more than enough to cover a house/condo down payment. Preferably in 2023ish.
post 1633455753 03-10-2021, 05:25 PM
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#35
  1. LurkingSince11
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330k and growing
we are the misc!!!!
post 1633455993 03-10-2021, 05:27 PM
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#36
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Originally Posted By MattyMiscer⏩
Just invest it in the S&P500 (the fund is called SPY) and let it grow. The S&P has averaged about a 10% annual return over its life (a little higher than that in the past 5 and 10 years even). Just get an account with E-Trade or Vanguard or somewhere reputable like that. As much as I like the user interface of Robinhood, you should avoid that company for a lot of reasons I won't take the time to explain here. You can keep the value of maybe a couple months worth of expenses in the money market account for its quick liquidity if you want, but I would invest as much as possible in order to generate a return.


Source: I'm a former financial advisor and financial analyst
dont you feel the general market is a little over valued, financial analyst brah?
we are the misc!!!!
post 1633456133 03-10-2021, 05:28 PM
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#37
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Originally Posted By LurkingSince11⏩
dont you feel the general market is a little over valued, financial analyst brah?
I sold off 10k worth of stocks today.
Was at 30k cash and 80k equities 2 weeks ago. Now it is 40k cash 80k equities.
post 1633456173 03-10-2021, 05:29 PM
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#38
  1. Atlastrength
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Originally Posted By Visel⏩
My breakdown ATM is basically $12k emergency fund, $5.5k non-retirement investing, $45k retirement investing, my paid off car worth $15k, zero debts of any kind. I'm almost 26, a little late to the "non-retirement investing" game, but only because I kept focusing on paying off my student loans / car debt, and also buying some fun stuff in the interim like my gaming PC.

Plan is to keep doing the 401(k) match, and put all else into my non-retirement investing until it gets to be more than enough to cover a house/condo down payment. Preferably in 2023ish.
You're way ahead of most kids your age. I'm 29 and the debt all my friends have is pretty staggering. They are basically just cash flowing their debt and saving crumbs in comparison to their income.
post 1633456423 03-10-2021, 05:32 PM
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#39
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In this thread everyone is above the average american whose savings account doesn't equal the price of their cell phone who are living pay check to pay check..average savings amount: I'd say around 60 grand. Try again liars
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post 1633457593 03-10-2021, 05:45 PM
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#40
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I like reading threads like this just to see all of the lies miscers can come up with.

BRB, much wealthier than the average American. Spends all of their time on an Internet forum.
post 1633458173 03-10-2021, 05:53 PM
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#41
  1. LurkingSince11
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Originally Posted By Skezo⏩
I sold off 10k worth of stocks today.
Was at 30k cash and 80k equities 2 weeks ago. Now it is 40k cash 80k equities.
very good, you want to slowly exit on strength, so you don't have to exit into a weak fearful market
we are the misc!!!!
post 1633458573 03-10-2021, 05:58 PM
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#42
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like 45k at age 25 srs

plus a car worth around 5k I'm planning on selling soon since I'm a citycel
post 1633482323 03-11-2021, 01:21 AM
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#43
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Originally Posted By Destor⏩
Ferrari
Originally Posted By Lefticle⏩
More than you can afford, pal
So we’re doing it backwards now?
I loe e.
post 1633482633 03-11-2021, 01:34 AM
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#44
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$14.34 😭
post 1633483643 03-11-2021, 02:22 AM
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#45
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$350
post 1633483723 03-11-2021, 02:29 AM
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#46
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3.50
"If not me, then who? If not now, then when?"

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post 1633483813 03-11-2021, 02:38 AM
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#47
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About -$120000 rn doing pretty good

Need to make some money, my net worth bounces 6 figures either way fairly regularly but been fukking hemmoraging cash as of late
One day scientists are going to kill us all.
post 1633484053 03-11-2021, 02:54 AM
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#48
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$10k in pathetic savings account with virtually no yield for emergencies. Everything else in broker account to invest. Anymore than 3 months expenses and you are wasting your money to inflation and letting it stagnate.
post 1633484183 03-11-2021, 03:05 AM
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#49
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$55k in a brokerage account
$5k in a ROTH IRA
About $5k in certificates of deposit
post 1633485673 03-11-2021, 04:26 AM
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#50
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Originally Posted By Fitnessguy24⏩
In this thread everyone is above the average american whose savings account doesn't equal the price of their cell phone who are living pay check to pay check..average savings amount: I'd say around 60 grand. Try again liars
This was discussed many times. Nobody's lying, just the above average guys coming forth.
How to lose fat for Noobs: http://forum.obnoxiousbrutes.com/showthread.php?t=129247741
post 1633485993 03-11-2021, 04:56 AM
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#51
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I have entirely too much money in my savings accounts right now. In fact, I went to the bank yesterday and the lady asked me what I do for a living.

In theory, this money should all be in my brokerage account, but I like keeping a separation so I can't make spontaneous stock trades. Will likely move it over eventually though, as having it in savings is a total waste.

Also, I have a 401k from a previous job like 6 years ago with ~$70k that I often forget that I have.

Maybe I should stop being such a cheap fuk, as I'm reaching the point where I shouldn't ever have to worry about money for the rest of my life. But people take you for a ride if you present yourself as a "I have as much money as we could possibly ever need" type of person.
post 1633486163 03-11-2021, 05:08 AM
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#52
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Originally Posted By OliverHeldens⏩
I have entirely too much money in my savings accounts right now. In fact, I went to the bank yesterday and the lady asked me what I do for a living.

In theory, this money should all be in my brokerage account, but I like keeping a separation so I can't make spontaneous stock trades. Will likely move it over eventually though, as having it in savings is a total waste.

Also, I have a 401k from a previous job like 6 years ago with ~$70k that I often forget that I have.

Maybe I should stop being such a cheap fuk, as I'm reaching the point where I shouldn't ever have to worry about money for the rest of my life. But people take you for a ride if you present yourself as a "I have as much money as we could possibly ever need" type of person.
So, what's your job and how much savings?

You're anonymous here.
post 1633486323 03-11-2021, 05:13 AM
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#53
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Originally Posted By Jkm94⏩
So, what's your job and how much savings?

You're anonymous here.
Self employed, and the savings accounts have over $300k between them right now. Also have a couple other big commissions coming up soon, so this number is going to grow.
post 1633486513 03-11-2021, 05:21 AM
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#54
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Originally Posted By OliverHeldens⏩
I have entirely too much money in my savings accounts right now.
I'm the same way, I'm kind of a dumbass in that regard. I do throw 20% of my gross into a TSP (401k basically) though, so I'm not totally failing to do anything with it.
post 1633486533 03-11-2021, 05:21 AM
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#55
  1. DirtyOlePerv
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Originally Posted By OliverHeldens⏩
Self employed, and the savings accounts have over $300k between them right now. Also have a couple other big commissions coming up soon, so this number is going to grow.
$300k cash at 28? Try again, Bocephus.
post 1633487843 03-11-2021, 06:00 AM
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#56
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Originally Posted By monster0ultra⏩
I have 100K in an money market account. This is not a humble brag, this is a terrible thing because it's getting eaten away by inflation. I don't know a good place to invest and I don't have the time to figure out because that time would be better spent on improving my skills for my next job.

Inb4 room temperature IQ coincels.
LOL you dont have time setting a foundation for your financial strategy due to you having to grind for your next job yet you have time to misc. And Im sure the rebuttal will be "but I only jump in every once in awhile, etc blah blah blah" but you really dont need to be a genius to know where to put your money conservatively.
post 1633488063 03-11-2021, 06:07 AM
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#57
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Little over 80k in savings that I’ve been holding for year. Been waiting for a house I want to pop up, but I am so picky after living in my 1st house for almost 14 years that I keep waiting.

Also have a 403b
*Only drive manual crew*
*craft beer crew*
post 1633488633 03-11-2021, 06:22 AM
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#58
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$17 million give or take a few mill. Not that much, but that is only emergency cash.
post 1633488853 03-11-2021, 06:27 AM
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#59
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$40k in savings. I’m planning on diversifying that in a few different accounts/investments this year.

$71k in my 401k.
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