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Forum » How's your financial situation (srs)
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Thread: How's your financial situation (srs)

post 1695262673 12-22-2023, 03:20 PM
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#31
  1. Rul3
  2. Diste Lce↊ - t
  1. Rul3
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not bad, need a good high yield savings account, or stop by my local credit union

don't see any point in anything but slow, safe, fdic insured money at this point
post 1695263093 12-22-2023, 03:27 PM
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#32
  1. Rul3
  2. Diste Lce↊ - t
  1. Rul3
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Originally Posted By WWWWWWWQWWWWWWW⏩
My HYSA is 4.35, 9Mo CD right now is 5.3 through my bank. I dont really trust those smaller banks offering a couple more tenths of a percent
if you don't mind me asking, who did you go through for your savings account
post 1695263153 12-22-2023, 03:29 PM
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#33
  1. thursdayParty1
  1. thursdayParty1
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Paid off my truck and went to 2 countries this year. So like $3000.
post 1695263173 12-22-2023, 03:29 PM
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#34
  1. WWWWWWWQWWWWWWW
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  1. WWWWWWWQWWWWWWW
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Originally Posted By TugOfPeace⏩
Curious what you don't trust about them as long as they're FDIC insured?
I guess I don't ever want to find out what happens when a bank is FDIC insured and I need to pursue my own money. I'll take a half a % hit for that peace of mind
Originally Posted By Rul3⏩
if you don't mind me asking, who did you go through for your savings account
Discover
trt crew

200+g protein every day crew

manual tranny crew
post 1695263233 12-22-2023, 03:30 PM
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#35
  1. Bo_Flecks
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Retired relatively young, and very comfortable.
post 1695263623 12-22-2023, 03:36 PM
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#36
  1. sam212
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  1. sam212
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Very comfortable. Thank the good lord everyday.
post 1695263663 12-22-2023, 03:37 PM
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#37
  1. WWWWWWWQWWWWWWW
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  1. WWWWWWWQWWWWWWW
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Originally Posted By TugOfPeace⏩
what does this even mean, it makes no sense
How do you get your $250k after a bank fails and freezes all funds? Is the check in the mail the next day?
trt crew

200+g protein every day crew

manual tranny crew
post 1695263873 12-22-2023, 03:41 PM
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#38
  1. Adam16121
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  1. Adam16121
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Misc moggers, post proof pics boyos.
post 1695264033 12-22-2023, 03:44 PM
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#39
  1. WWWWWWWQWWWWWWW
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  1. WWWWWWWQWWWWWWW
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Originally Posted By TugOfPeace⏩
That's what FDIC insurance is for..
To immediately give you all of your money? Or do you have to wait until investigations, etc are done? Genuine question. I know insurance companies can take their sweet time paying you; I don't know how the FDIC works.
trt crew

200+g protein every day crew

manual tranny crew
post 1695265193 12-22-2023, 04:07 PM
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#40
  1. Reserrection
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  1. Reserrection
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Nice boyos
post 1695265283 12-22-2023, 04:09 PM
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#41
  1. SaviorSelfJT
  2. clownslayer
  1. SaviorSelfJT
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Feels like I get more miserly the more money I have srs
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1695265803 12-22-2023, 04:23 PM
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#42
  1. AlwaysFocus
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Im good. I do spend a bit less now cuz inflation.

I could actually make lots of money but I have to trade time for it atm. So I choose to make enough and work less.
post 1695265813 12-22-2023, 04:23 PM
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#43
  1. naich
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Originally Posted By Rul3⏩
if you don't mind me asking, who did you go through for your savings account
Vanguard Money Market rate is 5.3%. If Vanguard goes down you'll have bigger problems than FDIC bureaucracy.


Doing well overall, savings rate of 40% salary. Inflation is more of a background noise that siphons from potential investment money. But have made a conscious effort to grocery shop smarter, buy less things, ect.
**Florida Crew**
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post 1695271043 12-22-2023, 06:29 PM
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#44
  1. LargePeter
  2. Fuck off, Lahey!
  1. LargePeter
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Rolling in it srs
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post 1695271683 12-22-2023, 06:43 PM
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#45
  1. Adam16121
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Not a single pic of anything in this whole thread. I’m not sure if I’m disappointed at the lack of pics, or proud of the class and humility.
post 1695272863 12-22-2023, 07:11 PM
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#46
  1. guest89
  2. Forever aBOARD
  1. guest89
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Making decent money for where I live. Living within my means/expenses lower then income. Saving. Investing. Progressing in life & towards and early retirement.

Honestly man life is good. At 36 I can honestly say I've made it. Nearly all of my goals are achieved. Own literally everything I set out to owning when I was in my early 20s.

My new life goals are pretty simple. I want a second house on a lake/river. I want a second motorcycle. And I want a second boat.




I can and shall have these things. I'm just waiting for the right time/the right deals. First and foremost I'm shopping for land to build a second house. Everything is on hold until I get that land secured.
post 1695273363 12-22-2023, 07:30 PM
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#47
  1. DuracellBunny
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I make more than I spend; that's all that really matters.
Screw nature; my body will do what I DAMN WELL tell it to do!

The only dangerous thing about an exercise is the person doing it.

They had the technology to rebuild me. They made me better, stronger, faster......
post 1695275633 12-22-2023, 08:28 PM
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#48
  1. Masterchieffer
  2. The Creampie Guy
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Own three cash flowing rental properties plus my own house in a HCOL all with low fixed rate interest

Also have a steady W2 job that’s relatively recession proof

That said 90% of us are still only one major life event away from financial ruin. Myself included

Just got my offer accepted on another acquisition that will really take things to the next level

Just need to survive 2024..
post 1695276123 12-22-2023, 08:43 PM
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#49
  1. BigBoiRoy
  2. gar
  1. BigBoiRoy
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have about 80-100k in equity in my condo and have 90k in cash/stocks

aiming to save about 60k/year

im 28 so cant complain (although these are in beaver bucks)
post 1695276143 12-22-2023, 08:44 PM
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#50
  1. theory816
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Poverty.
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Yacht/Boat Crew
post 1695316873 12-23-2023, 10:17 PM
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#51
  1. kusok
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Reminder for those of you who are keeping money in a bank at 5% annual interest. Solana did 25% today in 24 hours.

Bear porn does not pay.
post 1695317083 12-23-2023, 10:21 PM
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#52
  1. cavillac
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Doing well at 36, Own 2 homes (One has 190K mortgage at 2.3%) 2 vehicles, 2 boats. Nice investment portfolio, 25k for emergencies. No debt other than the mortgage.
Live & Direct from rural Iowa- GBR
post 1695319843 12-23-2023, 11:36 PM
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#53
  1. Visel
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28, debt free, ~$80k liquid, another $80k in post-tax roth retirement, paid off car worth about $15k. Rentcel though. Trying to build a down payment maybe in the next few months, or otherwise 2025.

I feel pretty good. I could survive about 2 years without any income, and without touching my retirement accounts, if I got fired.
post 1695319963 12-23-2023, 11:42 PM
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#54
  1. BigElephant
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Post deleted by user
post 1695320063 12-23-2023, 11:45 PM
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#55
  1. Source7769
  2. Senior Misc'R
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I’m in good shape , just wish my wife would contribute to a 401k
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Lions*Buckeyes*Royals*Celtics*Islanders

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post 1695320233 12-23-2023, 11:52 PM
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#56
  1. bigcat3655
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Could be better, has been much worse. My base is $107 and my wife makes just over $40. I will have a pension when I retire. I have some savings and a few grand cash on hand for emergency. Not ballin but I have enough to be able to afford any emergency that pops up and I don't have to worry about a 401k collapsing.
post 1695320603 12-24-2023, 12:05 AM
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#57
  1. outfoxxed
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I save like 80% of my take home pay. Combination of good income and low expenses
post 1695491133 12-28-2023, 12:59 AM
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#58
  1. BigBoiRoy
  2. gar
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Originally Posted By outfoxxed⏩
I save like 80% of my take home pay. Combination of good income and low expenses
that's crazy - what's your salary and mortgage/rent payment?
post 1695491213 12-28-2023, 01:12 AM
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#59
  1. PimpinisEasy
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Yeh very good.

Main Employment: £90k/yr
Rental: £6k/yr
Side Business: 6k/yr

Saving 2K per month in cash ISA.
14k in emergency fund.
Own house, where the mortgage is 4.5% of gross salary
Buy £150/mo of shares in my company where i get 1 free share for every 2 purchased; money taken out of gross salary.
15% of gross salary in my pension every month 6% from me 9% from employer.
post 1695491463 12-28-2023, 01:31 AM
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#60
  1. -JR
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Originally Posted By guest89⏩
Making decent money for where I live. Living within my means/expenses lower then income. Saving. Investing. Progressing in life & towards and early retirement.

Honestly man life is good. At 36 I can honestly say I've made it. Nearly all of my goals are achieved. Own literally everything I set out to owning when I was in my early 20s.

My new life goals are pretty simple. I want a second house on a lake/river. I want a second motorcycle. And I want a second boat.




I can and shall have these things. I'm just waiting for the right time/the right deals. First and foremost I'm shopping for land to build a second house. Everything is on hold until I get that land secured.
Living the dream, nice.

My income went way up this year. All that's meant is now:

>Emergencies and bills get taken care of and paid off immediately instead of 6-12 months.
>If wife needs)wants something, much harder to say "no."
>$3k in vet bills doesn't sink us into debt
>Still hard AF to squirrel away any money

Have to come up with a way to save money. It's not like I went out and bought a new car and blow all my money to the club, and yet I'm right exactly where I was last year when I was making $35k less a year. I guess being out of debt and staying out is nice, and probably worth more than it feels, but damn still have nothing to show for it.
-Virtue is its own reward

-Survived misc outage 2022 crew
-My old username (Johnez) did not survive outage :-(
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