Hi, not sure why it took me so long to find this sub.
I’m 32, make $130k/year, and have very poor spending habits. I impulse buy a lot and Amazon Prime is killing me. I’m not saving much because I don’t have a plan. This sub is giving me major anxiety.
- $750/mo car payment (3% interest loan)
- $2700/mo mortgage (3.7% loan)
- $500-750/mo on food (can’t cook)
- $500/mo on other expenses
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no other debt
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6.5% 401k + 3.5% matched
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might save $1k/mo and leave it in my checking until I throw it in crypto or another dipping stock, which always results in capital losses
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got an undisciplined portfolio. Always playing with volatile stocks.
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800+ credit score (I think?)
Ideally, how much should I save? Should I save for another house? How should I invest now? I see IRA mentioned a lot here but I never did that. Still embarrassingly ignorant with that.
How much can I use for traveling? How do I find balance?
How the hell does someone get out of the mentality of always wanting the best brand/quality of everything? I don’t even know how I developed this expensive taste because my parents were always very frugal.
Anyone holding cash in anticipation for another 2008 market crash? I’ve bought some gold and silver bullions — anyone buying physical metals? Prices haven’t gone anywhere in a few years.
Submitted July 06, 2018 at 10:54AM by VoidDoctor https://ift.tt/2uhGcNZ
