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How much have you accumulated in savings and retirement accounts?
10-05-2017, 10:29 AM
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#91
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Originally Posted By TugOfPeace⏩
Holy **** at that debt boyo. College scam of peace?Age 29
Salary - $97,000
401k - $17,500
Savings - $6,500
Debt - 146,500 ($105,000 @ 5% interest, 41,500 @ 0% interest)
Net worth - $122.5k
However I plan to be at the following once I'm 35:
Salary: 120k
401k: 135k
Savings: $100k
Debt - 0
Net worth - $235k
Salary - $97,000
401k - $17,500
Savings - $6,500
Debt - 146,500 ($105,000 @ 5% interest, 41,500 @ 0% interest)
Net worth - $122.5k
However I plan to be at the following once I'm 35:
Salary: 120k
401k: 135k
Savings: $100k
Debt - 0
Net worth - $235k
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10-05-2017, 10:30 AM
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#92
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I don't care about my retirement account. Won't make it to 60 crew.
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10-05-2017, 10:43 AM
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#93
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Originally Posted By TugOfPeace⏩
My husband and I are doing the same thing right now.The saving grace is that the girl I marry will pull in $80-100k, so we'll be living off one salary and pocketing the rest. Not too worried about my financial future, but I am bummed out that I'm behind.
We have no debt other than our investment mortgages. But we're making money off 3 of the 4 we have - so it's still a plus.
No other debt.
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10-05-2017, 10:48 AM
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#94
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Originally Posted By TugOfPeace⏩
That interest rate is actually piss. At least in the UK we barely have any interest on ours and only have to pay once we start earning around £24k I think? Sounds like you got it planned though, GL.Yea I paid a fukton for college.. but I got a solid degree. Electrical engineering. And I have a solid job with a good salary.
The reason my numbers are so bad is because of the interest rate on the student loan.. they used to be at 8% over a 25 year plan. I just refinanced to 5% at a 15 year rate.
I have paid about $70,000 in interest the past 5.5 years and have paid $80,000 on the principal. That's where I got fuked bigtime.
The saving grace is that the girl I marry will pull in $80-100k, so we'll be living off one salary and pocketing the rest. Not too worried about my financial future, but I am bummed out that I'm behind.
The reason my numbers are so bad is because of the interest rate on the student loan.. they used to be at 8% over a 25 year plan. I just refinanced to 5% at a 15 year rate.
I have paid about $70,000 in interest the past 5.5 years and have paid $80,000 on the principal. That's where I got fuked bigtime.
The saving grace is that the girl I marry will pull in $80-100k, so we'll be living off one salary and pocketing the rest. Not too worried about my financial future, but I am bummed out that I'm behind.
fictional account.
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10-05-2017, 10:49 AM
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#95
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Originally Posted By TugOfPeace⏩
Behind?! You are so far behind it blows my mind. Get your own ass and look around bro, you are doing great. I promise you you are.Yea I paid a fukton for college.. but I got a solid degree. Electrical engineering. And I have a solid job with a good salary.
The reason my numbers are so bad is because of the interest rate on the student loan.. they used to be at 8% over a 25 year plan. I just refinanced to 5% at a 15 year rate.
I have paid about $70,000 in interest the past 5.5 years and have paid $80,000 on the principal. That's where I got fuked bigtime.
The saving grace is that the girl I marry will pull in $80-100k, so we'll be living off one salary and pocketing the rest. Not too worried about my financial future, but I am bummed out that I'm behind.
The reason my numbers are so bad is because of the interest rate on the student loan.. they used to be at 8% over a 25 year plan. I just refinanced to 5% at a 15 year rate.
I have paid about $70,000 in interest the past 5.5 years and have paid $80,000 on the principal. That's where I got fuked bigtime.
The saving grace is that the girl I marry will pull in $80-100k, so we'll be living off one salary and pocketing the rest. Not too worried about my financial future, but I am bummed out that I'm behind.
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10-05-2017, 11:05 AM
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#96
- dannyg1217
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More than you can afford pal
250k+ in 401k/Roth
25k in savings
5k in checking
100k in equity
50k debt between 2 cars and student loans, should be paid in about 2 yrs
Edit, dual income of 160k/yr before taxes, I make good pay but wife is the bread winner, not for long hopefully
250k+ in 401k/Roth
25k in savings
5k in checking
100k in equity
50k debt between 2 cars and student loans, should be paid in about 2 yrs
Edit, dual income of 160k/yr before taxes, I make good pay but wife is the bread winner, not for long hopefully
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10-05-2017, 11:09 AM
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#97
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Originally Posted By TugOfPeace⏩
wow that's a lot of debt for student loans. I got the same degree for 40k debt at about 4%Yea I paid a fukton for college.. but I got a solid degree. Electrical engineering. And I have a solid job with a good salary.
The reason my numbers are so bad is because of the interest rate on the student loan.. they used to be at 8% over a 25 year plan. I just refinanced to 5% at a 15 year rate.
I have paid about $70,000 in interest the past 5.5 years and have paid $80,000 on the principal. That's where I got fuked bigtime.
The saving grace is that the girl I marry will pull in $80-100k, so we'll be living off one salary and pocketing the rest. Not too worried about my financial future, but I am bummed out that I'm behind.
The reason my numbers are so bad is because of the interest rate on the student loan.. they used to be at 8% over a 25 year plan. I just refinanced to 5% at a 15 year rate.
I have paid about $70,000 in interest the past 5.5 years and have paid $80,000 on the principal. That's where I got fuked bigtime.
The saving grace is that the girl I marry will pull in $80-100k, so we'll be living off one salary and pocketing the rest. Not too worried about my financial future, but I am bummed out that I'm behind.
Yellow fever crew
High test Manlet crew
EE master race
5'7" @ 175
PRs, B325 S405 D405
10-05-2017, 11:30 AM
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#98
- FryDude
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Originally Posted By TugOfPeace⏩
You and your social circle are doing very well for yourselves. This isn't the norm with anyone I graduated with, the struggles been real brah. I'm happy for you.Not sure I understand your post. But most of my friends I would assume are bringing in similar salaries (probably 150k or so) but have a couple hundred thousand saved up. Then again, pointless for me to compare - many of them had scholarships, some got to work from their parents home after graduating, etc. I had to move out immediately, get an apartment, car, etc.. and only started at $61k. I had it worse than anyone because on top of that I was paying $1100/month in interest. But oh well.
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10-05-2017, 11:39 AM
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#99
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a lot, the misc came through hard on that Ethereum run, that and as a petroleum engineer I've had a 6 figure income since 22 and I live like I'm in poverty. My girl is from Africa and grew up in a poor area so she doesn't care about material things which makes saving money so much easier.
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10-05-2017, 12:00 PM
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#100
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Originally Posted By FunnyWeasel⏩
Since that was me.. I sympathise. It was easier back then and it did set me up, but it sure wasn't easy. I had a period of 4 years in my early twenties living like an absolute monk, just to get a deposit together.I saw this thread right after I saw another person's thread talking about he renting an apartment for a good deal in the middle of a uni campus for 160 years. He's the same 43 yo guy that has worked a job where he was paid just a bit above minimum wage over 2+ decades. If I tried that chit right now, I couldn't even afford basic utilities if I were to move out my mom's house.
I can blame the era for my problems, it seems as though that almost the price of every goods nowadays have increased while the wage for being paid has been flat as a tall girl's boobs for the same time frame.
I can't wait for the world economy to crash so I can start from scratch to prosper. idk how but it sure as hell beats the conventional path of going to college for a growing worthless degree for a field that's gonna get automated sometime soon.
I can blame the era for my problems, it seems as though that almost the price of every goods nowadays have increased while the wage for being paid has been flat as a tall girl's boobs for the same time frame.
I can't wait for the world economy to crash so I can start from scratch to prosper. idk how but it sure as hell beats the conventional path of going to college for a growing worthless degree for a field that's gonna get automated sometime soon.
The uk economy is (stupidly) built on house prices. People releasing equity from their houses is the new national sport. If we actually did act to make property decently affordable we'd have an insta recession. I've been warning of this for years, it's now a mess that we have slept walk into and I genuinely can't see an easy way out
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10-05-2017, 12:00 PM
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#101
10-05-2017, 12:01 PM
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#102
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Originally Posted By ashin1⏩
Two minor detailsBeen making 6 figures since I was 22, and been actively saving and investing large portions of my net income for 4 years. Was easy to do considering for the first 3 years I always had roomates.
Parents bought him his home
Canadian $
The truth will set you free ashin
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10-05-2017, 12:51 PM
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#103
10-05-2017, 01:12 PM
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#104
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Originally Posted By samsbolton⏩
Why is it that you must bring up this crazy notion that i am leeching off my parents or something? I needed money fast, and didn't have time to deal with a bank, so my parents helped me out because they knew i was good for paying them back(already paid back over half in a little over a year. )Two minor details
Parents bought him his home
Canadian $
The truth will set you free ashin
Parents bought him his home
Canadian $
The truth will set you free ashin
Now figure out a different way to cope because i am growing tired of you always bringing this up.
you are just mad that I could save the same amount you did in 4 years in just 1 and still live a comfortable life.
now back to the OP, how much have you accumulated?
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10-05-2017, 01:25 PM
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#105
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Originally Posted By ashin1⏩
Nah not finished yetWhy is it that you must bring up this crazy notion that i am leeching off my parents or something? I needed money fast, and didn't have time to deal with a bank, so my parents helped me out because they knew i was good for paying them back(already paid back over half in a little over a year. )
Now figure out a different way to cope because i am growing tired of you always bringing this up.
you are just mad that I could save the same amount you did in 4 years in just 1 and still live a comfortable life.
now back to the OP, how much have you accumulated?
Now figure out a different way to cope because i am growing tired of you always bringing this up.
you are just mad that I could save the same amount you did in 4 years in just 1 and still live a comfortable life.
now back to the OP, how much have you accumulated?
They bought you a caravan, and you have only paid them half while you have 200k sat in the bank? No wonder they call you 'Ashin the disappointment' they probably tell their friends you died in a tragic moose accident
Btw banks don't lend on caravans. Like i said, the truth will set you free
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10-05-2017, 01:27 PM
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#106
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Originally Posted By papi89⏩
THIS........ cruises over everything.lol at saving, live fast die young crew
We're here for a good time not a long time crew
We're here for a good time not a long time crew
spend 110% of weekly paycheck crew.....
10-05-2017, 03:15 PM
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#107
- ErnieMccracken
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I thought most people were just scraping by. How is it that there are so many CEO $10k/day brahs on misc?
10-05-2017, 03:17 PM
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#108
Originally Posted By ErnieMccracken⏩
I feel like the people who are more likely to respond to this thread are those that are doing extremely well for themselves. If you are in financial turmoil, you're probably not going to make it public here. That's my theoryI thought most people were just scraping by. How is it that there are so many CEO $10k/day brahs on misc?
10-05-2017, 03:22 PM
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#109
10-05-2017, 03:42 PM
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#110
- Gashbell4595
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Originally Posted By MetroBrah⏩
True, didn't want to respond because nothing to show for yet.I feel like the people who are more likely to respond to this thread are those that are doing extremely well for themselves. If you are in financial turmoil, you're probably not going to make it public here. That's my theory
Just got my career job started in last 2-3 months, numbers are likely to change soon!
Can usually pay $1200 a month towards debt after bills, I just spend a lot.
Age 20.
$0 invested.
$0 savings.
$20 in checking.
Owe around $1500 on CC, $4000 or so student loan, car is upside down 2-3k.
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10-05-2017, 03:50 PM
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#111
Originally Posted By Gashbell4595⏩
keep hustlin cuzzTrue, didn't want to respond because nothing to show for yet.
Just got my career job started in last 2-3 months, numbers are likely to change soon!
Can usually pay $1200 a month towards debt after bills, I just spend a lot.
Age 20.
$0 invested.
$0 savings.
$20 in checking.
Owe around $1500 on CC, $4000 or so student loan, car is upside down 2-3k.
Fake it till you make it crew
Just got my career job started in last 2-3 months, numbers are likely to change soon!
Can usually pay $1200 a month towards debt after bills, I just spend a lot.
Age 20.
$0 invested.
$0 savings.
$20 in checking.
Owe around $1500 on CC, $4000 or so student loan, car is upside down 2-3k.
Fake it till you make it crew
at 20 I had dreams of becoming a professional poker player. Even though I made a little bit, I was wasting money on college classes I was ultimately failing
10-05-2017, 03:51 PM
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#112
Originally Posted By ErnieMccracken⏩
was just thinking this.I thought most people were just scraping by. How is it that there are so many CEO $10k/day brahs on misc?
Originally Posted By MetroBrah⏩
and also thought this too.I feel like the people who are more likely to respond to this thread are those that are doing extremely well for themselves. If you are in financial turmoil, you're probably not going to make it public here. That's my theory
no way this thread is representative given the amount of miscers that have zero clue what they are doing in life.
also I hope you brahs that have tons in the equity and bond markets stay safe when the bubble pops.
but all this is assuming the dollar doesn't hyperinflate and retirement is still a thing in the 2050's and beyond...
10-05-2017, 03:56 PM
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#113
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I think most people who posted they savings are benefiting from time and actually just trying to save.
Obviously there are those literally squeezing water from stone, but most just do the company 401k, maybe an ira (though not needed) and don't spend more than they make. That is success on its own.
Obviously there are those literally squeezing water from stone, but most just do the company 401k, maybe an ira (though not needed) and don't spend more than they make. That is success on its own.
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10-05-2017, 03:58 PM
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#114
- Gashbell4595
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Originally Posted By MetroBrah⏩
Thanks! I have no doubt in my mind I will achieve every bit of success I want!keep hustlin cuzz
at 20 I had dreams of becoming a professional poker player. Even though I made a little bit, I was wasting money on college classes I was ultimately failing
at 20 I had dreams of becoming a professional poker player. Even though I made a little bit, I was wasting money on college classes I was ultimately failing
I quit college because of the opportunities I had outside of it without going into too much debt. Currently am a Mortgage Loan Originator for my family's brokerage
Having a large network of successful, positive people in my life if I need guidance gives me a bit of confidence and push as well
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10-05-2017, 04:05 PM
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#115
- TheManlyMan
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15k in savings
8.5k Rolex (consider asset)
30k in car loans left
3k CC debt
4.5k student loan debt left
Been making 12-18k per month
21 years old
All serious
8.5k Rolex (consider asset)
30k in car loans left
3k CC debt
4.5k student loan debt left
Been making 12-18k per month
21 years old
All serious
10-05-2017, 04:07 PM
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#116
- Wh1teDyn0mite
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Age: 25
Savings: 5k
No debt.
Savings: 5k
No debt.
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10-05-2017, 04:28 PM
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#117
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I'm above average, but feel poverty.
10-05-2017, 04:34 PM
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#118
- GnarlySheen
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More than you can afford pal.
10-05-2017, 04:38 PM
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#119
- derkerkjerk
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turn 30 tomorrow
income: $0
debt: ~$80k
retirement savings: lol
graduate school of peace and poverty... got a lot of work to do when i get out
income: $0
debt: ~$80k
retirement savings: lol
graduate school of peace and poverty... got a lot of work to do when i get out
10-05-2017, 04:52 PM
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#120
- GrimRep_er
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Savings, not much. I bought a house and am engaged so I've been spending a lot.
160k in 401, which is not good for my age.
She, at 30, will hopefully make more money down the road.
160k in 401, which is not good for my age.
She, at 30, will hopefully make more money down the road.
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