Wait, you're telling me I've been doing 401k wrong this whole time?
I bonds at 9.62% were genuinely special. Treating them as an ongoing cash management strategy now is not the same thing.
I had the opposite experience — emergency fund worked great for me
This is the way
Agree with everything except the part about index fund
The rent vs buy breakeven methodology with real numbers for your city is the right way to approach this decision.
The debt freedom psychological section is what I think about every time someone dismisses the emotional component of debt.
The salary negotiation script with real language is the part most advice articles are too vague to provide.
The student loan refinancing timing decision is something most posts on this topic don't address directly.
The rent vs buy methodology is the right way to run that calculation. Include all costs, not just the mortgage.
Running the annual review this January for the first time using your net worth methodology. Thank you.
As someone with 5 years of experience, I can confirm this is solid advice
Agreed that FIRE is a financial goal, not a life plan. The community could use more of this honesty.
I had the same experience with the 2022 grind being harder than the 2020 crash. The slow decline was psychologically worse.
I did the 6-month cash envelope experiment too. My grocery bill dropped about 22%. The physical money thing is real.
Starting with getting the 401k match is the one piece of advice I give everyone regardless of their situation.
This needs more upvotes
Three-fund portfolio, low cost, long time horizon. That's the whole strategy for most people. This post is correct.
Create an account to continue.
Wait, you're telling me I've been doing 401k wrong this whole time?
I bonds at 9.62% were genuinely special. Treating them as an ongoing cash management strategy now is not the same thing.
I had the opposite experience — emergency fund worked great for me
This is the way
Agree with everything except the part about index fund
The rent vs buy breakeven methodology with real numbers for your city is the right way to approach this decision.
The debt freedom psychological section is what I think about every time someone dismisses the emotional component of debt.
The salary negotiation script with real language is the part most advice articles are too vague to provide.
The student loan refinancing timing decision is something most posts on this topic don't address directly.
The rent vs buy methodology is the right way to run that calculation. Include all costs, not just the mortgage.
Running the annual review this January for the first time using your net worth methodology. Thank you.
As someone with 5 years of experience, I can confirm this is solid advice
Agreed that FIRE is a financial goal, not a life plan. The community could use more of this honesty.
I had the same experience with the 2022 grind being harder than the 2020 crash. The slow decline was psychologically worse.
I did the 6-month cash envelope experiment too. My grocery bill dropped about 22%. The physical money thing is real.
Starting with getting the 401k match is the one piece of advice I give everyone regardless of their situation.
This needs more upvotes
Three-fund portfolio, low cost, long time horizon. That's the whole strategy for most people. This post is correct.