Do you make $135,000+? If so, you should have plenty of investment options at your disposal that are far better than savings.

Depending on your interest rate on those student loans, you may want to contribute that money into the Roth IRA now instead. If you believe the rate of return of the Roth IRA will be higher than the interest rate of your student loans, then it would mathematically make sense (even though you may be more emotionally…

Typically the general advice is:

1. Contribute to your 401k at the minimum level to get the maximum your company matches
2. Invest additional funds into your IRA, because you typically have more control over how they are invested.
3. If you max out your IRA, funds past that go into the 401k
4. If you manage to max out a…

I came from a culture that equated value to the company with hours spent in front of the computer. You were expected to be available 24x7 even if you couldn’t influence results at 8PM on a Saturday. It was hell on me and my family.

It’s okay to leave work on time

Generally anything Hamilton Nolan writes irritates the piss out of me but I have to agree. I work for a Credit Union and do lending and these people seem to be making less and less every year. I also feel it disproportionately affects blacks and latinos. When I started working there, it was mostly a black community…

yeah...dude you are nuking it.

The results are striking. A spreadsheet like the one you described inspired me to make extra principal payments on my mortgage, shaving years off its duration and saving thousands in interest payments.

or you’re part of the 70% of US adults that has a credit card

If you have installment debt (student loans, mortgage, car note) you should build an amortization spreadsheet that allows you to see how much you’ll actually pay over the life of a loan, and lets you play with how much you’ll save on the back end by making extra payments - and how quickly you can retire the loan by…

This is exactly why I love YNAB.

I’ve done this too. It’s a pain in the butt if you’re not saving for a specific goal, but I am (house, car, etc.) so treating those funds as separate entities makes planning for future purchases much easier.

I’ve just started doing this in the past year or so and It’s been a huge help. When I get paid, I put money into a bills checking account that contains just enough to cover the bills until I get paid again, plus 50 bucks or so. Then I put a certain amount of money into my savings account, which leaves me with a…

100%

The Podcasts app is a steaming pile of garbage. They removed the sleep timer, so those of us who enjoy falling asleep to mundane garbage have to go into timer—and then the timer default turns to “stop playing” as the alarm so that the next day, when you want to set a kitchen timer, the timer app treats your kitchen…

Both are linked inline?

I was gonna say, it takes 6 minutes for mine to come to pressure lol so 12 total. Cool. Sounds delicious.

I asked for one for a housewarming present back in December, and I’ve literally used it every week.

It takes a few more minutes to come to pressure, but yeah, it’s super quick.

At your age, whenever the stock market drops you should feel like things are on sale. I used to build cash reserves and then invest when the market was down. This is called “buying the dip”. Done correctly, you can realize some significant gains over time.