ive been buying forclosures for 10 years now and learned from guys who have been doing it over 200 years combined experience. let me give you lesson 1 i learned. dont buy a house unless its vacant especially in a place like california where it could take months if not years to get them out. the amount of financial damage as well as damage the person there can cause isnt worth it. now to answer your advice- what you do is both. you tell her you will do cash for close. under these conditions 1) you are entitled to a weekly inspection of the property with 24 hour notice 2) she dosent see a cent till she moves out and hands you a key. you also file the eviction it will take more then two months before it goes to a courtroom so i wouldnt waste time. if she follows through great you withdraw it if not you didnt just waste 2 months of your time. i would also check her  history in terms of lawsuits, this is usually public info. if you find a history of trespassing, unlawful detainers, collections ect. you know who she is. honestly if it was me i wouldnt give her more then a month. she has 5k she can find a place even if its an extended stay. also i wouldnt count on her leaving

In many cases, the effective deductible and effective out of pocket max is **lower** for an HDHP than a regular PPO plan when considering the lower premiums.

Start zero based budgeting, know where every dollar goes.  I’d consider starting with no shopping for a month.  Delete Amazon app.   Stop going to stores for entertainment/boredom.  Start exercising/reading about personal finance.   This will
Help Dig out of debt and break this cycle.

A job is money and experience now. You’re already in debt with nothing to show for it, take the job and run with it, pay off your debts, save come coin, and then reevaluate

What does your father say about all this?

They're great if you have very low costs generally, or if you have very high costs. On the low cost side they have a lower premium and come with the HSA. On the high cost side, no matter what plan you have, you hit your out of pocket max.

The big difference is in the middle of the cost curve - where your costs are more than the difference in premium but not quite hitting your deductible. The closer you get to your deductible without going over, the worse the plan is relative to other things.

> I can pay this balance in full, but are there any other actions I can take to avoid this hurting my credit?

Look at your credit report: is this debt already listed? If so, the damage is done. My guess is since there's a debt collector, it's too late.

You can try talking to the VA and ask them about the remark that it was paid by your father already, but since they sent it to a debt collector, they've probably already determined it wasn't actually paid.

Sounds like a pre-investigation of some sort. It could be about you or something you witnessed which is why they want to keep it quiet. If you're a witness then you're not in trouble. If it's about you then you could end up being in trouble. But it sounds like they're trying to figure out if an investigation is even warranted. A sexual harassment claim could trigger something like this. The wording makes me think it's not about you and you're just a witness. But this is a wild guess. I guess you could go it alone to maintain an atmosphere of cooperation with nothing to hide. Then if something raises a flag during the meeting you could request a rep.

She will just wait 2 months then say no deal. Here’s the no deal. Their tatic is to delay. Evict always and you can roll it back if a deal is struck.

Most of the time, to make six figures in a job requires significantly more hours than a typical schedule

You can make 6 figures in the trades if you work 50-60 hours a week, but as of now most trade jobs pay around 25-35 an hour. I chose the trade route and I’m happy I did, but I’m not at 6 figures, I choose to work my 40 and go home, but I’m doing okay. I like my job.

I'd say it doesn't hurt to have a rep present, but asking for your "account" makes me think it involves one of your colleagues

Track everything you spend for the next month. I mean EVERYTHING. If you drop a quarter into a gumball machine, track it. This will give you a baseline to work with. While you're doing this, consider the difference between a want and a need. You need housing, transportation and food. You do not need a luxury apartment, BMW or junk food. Think about every purchase and which category it would fall into.

Once you've figured out your true needs, subtract this from your income. With what is left over, consider dropping at percentage of that into a savings account for an emergency fund and try to build this up. With the remainder, pay off any (high interest) debt you might have. And when you're out of debt and have a 3-6 month emergency fund, then take some of that remainder for "wants" (aka fun!) and save what is left.

It's hard to do. Very, very hard. But so worth it! (my husband once told me that he would never have married me if I hadn't gotten my debts paid off and turned a corner financially - and I don't blame him one bit!) Good luck!

>Modern web development is just monotonous (not that it’s easy, it’s just all the same crud) and I find it hard to care or to focus.

You could always do [something](https://www.reddit.com/r/learnprogramming/comments/yxep5w/comment/iwoii8f/?context=3) that *isn't* web development.

Frankly it sounds like you have a subpar job.

I'd explore around before throwing in the towel.

Beyond that, it's not for everyone, and plenty of people who start this career leave within 5 years because they realize it's not for them. No shame in that.

Between the wording and the fact that you're confused, I reckon this is not directly related to you AKA someone else has accused someone of inappropriate behaviour, and they wanna hear if you've seen/experienced this also.

Of course it doesn't matter. Sort your priorities bro. Fuck profits, fuck your coworkers, fuck the bullshit job.

You know what matters? Being able to afford a nice house, or a holiday, or food, for the people you care about. Being able to take the family to a nice restaurant on New Years Eve. Being able to buy jewelry for someone in your life who really fucking deserves to look beautiful.

It took me a long time to learn that earning money for it's own sake is empty, soulless and a total waste of my existence.

You have to find the things that matter in your life and grind the grind for them. For me it's family. Your mileage may vary.

I dislike the industry

Coding is still the bees knees

I have worked in many dealerships, and a service advisor is not only one of the toughest jobs but they throw quotas on top of you to make it more difficult. So a service advisor sells car service repairs, and recommends needed service. You need at least a rudimentary knowledge of car repairs, and the ability to sell ice cubes to eskimos. 

Quotas, then require you to sell so many services to customers to hit a certain dollar amount every month. If you don’t hit those numbers, you can lose your job due to low performance. Selling is not everyone’s strong suit, especially sometimes selling when selling to those who are financially challenged, or selling things they may not need just to pad the dealerships pockets. 

Even if you excel at these things, you must know how to console people with broken vehicles, deal with complaints on price or repairs, and do all this in a likable friendly manner. I worked service for 7 years, it is indeed stressful. You need to like dealing with people to excel, and working long hours. 

My advice is to get a job doing something to pay down you debt, while taking taking classes. Not every job is honey, and roses, but doing something you like makes it less like work.

It doesn’t matter what your degree is in really. Formal education is only 10% of your professional development the rest is via relationships and experience. 

Many jobs have characteristics that are cross functional to most degrees that a lot of people don’t think about. For example philosophy, law, economics, and accounting degrees all provide the fundamentals for a career in compliance. The main skills being showcased by completing any degree from a decent school are critical thinking skills and long term commitment. STEM careers start out with high annual earnings but most other degrees catch up eventually or even surpass STEM.

If this was a loan you set up they should have problem producing paperwork that proves it. Ask for that first, cause it sounds like your dad got the money under false pretenses. If you never agreed to the loan you don’t owe them shit.

As a practical and direct step, don't spend anything on Amazon. You don't need anything on that site, not a thing. You *want* things, you don't need them. So cut any Amazon expenses right now.


Second, restrict your purchases to food. If you buy alcohol, don't have it, switch to a cheaper non-alcoholic alternative. Avoid processed foods, these often cost a lot. Definitely avoid sweets. These are both unhealthy and a black hole in any food spend. Anyway, aside from your bills you only ever want to be spending your money on food.


Mentally, you need to think of the *profit* you'll gain from each paycheck. At the end of each month you should be adding towards your bank balance, not taking away and ideally not breaking even. I myself take stock every month of how much I have and how it has increased from the last month, focus on that. Savings are a step by step thing that builds up over time, don't get discouraged that your savings are small, just focus on making them. If you save you're moving in the right direction.

That is some really great advice and thank you for sharing

I hear you brother, I’m not sure if I have an answer for you but I’ve experienced a very similar problem. About 3 years out of college and have bounced around a lot. From the sounds of it, the jobs you’ve worked are all corporate desk jobs is that correct? I started out in accounting, have since tried software engineering and am thinking about changing paths again. A couple of thoughts I’ve been kicking around lately that you may find helpful:

1. Why did I get into this career/industry? I’ve never had a strong passion for accounting or SWE. I liked them well enough when I was learning them and I knew they’d pay the bills. But then when things get difficult or I start having doubts, it’s like there’s nothing internal that’s motivating and sustaining me so I check out. 

2. Maybe I need to find a “real life” job that requires me to use my humanity a little more. Not sure exactly what you do so maybe this doesn’t apply as much, but for me I’m starting to think there’s something about computer work that makes me feel hollow and confused. There’s some sort of disconnect that my brain can’t reconcile and that’s I think what leads to this feeling of “my work is not real”.

As a side note, do you work remotely or in person? I’ve mainly worked remote (for various reasons) and that’s probably something that needs to change for me. Has negatively affected my mental health and my level of engagement/ability to learn at work. Hope this was helpful in some way.

At the end it the day, the fact that you liked your job for the past 6 years is more man most can say. You should explore other fields within CS for sure but a job is a job and sometimes you just need to do the 9-5 to enjoy life outside of it.

How much does hard money impact your investing returns? Is this the primary way to get most of your deals done at this point due to your scale? Is your goal to just scale or eventually just to free and clear?  Curious about your thesis.

Thread locked, these threads attract ass-hats every single time. 

Do not break the law. 

Do not engage in an create an unsafe environment or creates an implied threat.  That's what thugs do. 

OP got a lot of good and legal advice. We don't want them ending up on the news.

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Please let me know if this isn't the right sub. 

I'm with a credit union, and used a different credit union's ATM since they have a co-op program. I deposited about $800 (I know, it's stupid I didn't count the exact amount, a mistake I'm going to learn from) and the ATM told me there was an error, spat out all the 5s in the stack, my card and gave me no receipt or any of the other bills.

I went into the building and a teller told me to contact my credit union if the funds don't show up. If they don't show up, that I'd probably need to file a "research request" for that ATM.

I called my credit union, who said they were going to send me an e-mail for a dispute for that co-op program credit union to send me the remaining ~$800. I'm not sure how it's going to work if I have no receipt, and I haven't made a way of knowing exactly how much money I deposited and no longer have.

I haven't received this e-mail yet. How fucked am I? I've got rent due in 3 days.

EDIT: Per what most comments said, I got a temporary credit while the credit union figures out what happened with the ATM. Thank you for the advice and introducing me to ATM hate. 

ATM ate $800, no receipt. What do I do?

Hey Entrepreneurs, Marc here.

Last month I wrote here about how sold a habit tracker for $10,000 in October.

Earlier this month, I got $35,000 in my bank account after selling a landing page maker with AI. Here's the story:

&#x200B;

**- April 2023:**  
Just like everyone, I get massive FOMO with AI.  
I played with GPT and decided to build a landing page generator with AI:  
Input text and the AI prefills a template with copy and AI-generated images.  
I'm working on it with a good friend of mine named Martin.  


  
**- May:**  
The product is called LandingAI. It's an MVP but we launched and made \~$8,000.  
Unfortunately, Martin and I had different visions for the project so we forked.

&#x200B;

  
**- June:**  
LandingAI is the name of a big corp (bummer) so I rebranded it to MakeLanding.  
I ditch 90% of the code because users want a very different product:  
So here I am, building an entire website builder powered with AI...  


&#x200B;

**- July:**  
I launched again, but made a BIG mistake:  
I swapped the one-time payment for a monthly subscription and got $20 MRR for 15k visitors...  


1. If you can avoid subscriptions, do it
2. New pricing means new positioning—users compared the app to Framer & Webflow

  


**- August:**

I removed the subscription and sales came back: \~$7,000 in 3 months.  
But I realized this was going nowhere...

  


**- September:**  


* I don't use the product
* The market is gigantic and crowded

As a solopreneur, nothing is more important for me than building cool stuff for people I care about.  
And I didn't really care about this big market so...  


  
**- October:**

I called my friend Dan and he said: SELL. He was right.  
I bought my shares of LandingAI from Martin and listed MakeLanding on Acquire: Asking $38,000 for $14,000 TTM (3x profit)  
Within hours, I received dozens of NDAs and a buyer started the process 🤯  
After a few weeks of NDA, LOI, Escrow, etc. the buyer sent the money but...  
Only a fraction of the transaction. Then he ghosted me. So I canceled the transition. Back to Acquire...  
Luckily, in 24 hours I got another buyer!  


&#x200B;

**- November:**

Within weeks, the money was in my bank account.  
The buyer and I never called, just a few messages. It's mind-blowing.  


&#x200B;

**My takeaways:**  


1. Don't build AI products just because
2. Don't go on a massive market you don't care
3. Sell if you don't know how to grow the product  


It's my 3rd acquisition this year. I love the freedom of build, sell, repeat.

I sold my AI tool for $35,000

I’ve watched more YT videos on programming than I’d like to admit. I think by a large margin most just reiterate the same basic OOP concepts over and over with just different packaging. Most of these “software dev” channels I’ve never seen actually code anything, they just banter on and on like ThePrimeTime. I’ve only seen these guys describe code never show it. If they do, it’s the most basic cs101 examples. 

Are we just a hot bed of phonies and scammers?

Is nearly every YT programmer channel a noob in disguise?

What is your "new employee looked good on paper but turned out clueless" story?

I applied for a tech role at Teva Pharmaceuticals and was told that the IT director of the division wanted to have an interview with me. A couple days later I get another email saying that he wants to interview me sooner.

So I thought, great, he must have really liked my resume.

Well, interview day arrives, and the IT director is a couple minutes late. And then he asks me to give him a few minutes so that he can look at my resume.

He then asked me to talk about my previous work experience. And then he stopped me from talking anymore because I don’t have any pharmaceutical experience and they won’t train new people…

I want to make clear that the job description absolutely doesn’t mention anything in regards of needing experience in the pharmaceutical industry, else I wouldn’t have applied.

I just feel like he absolutely wasted my time.

Name and shame: Teva Pharmaceuticals

Every time I research a career there is always a group of people that have negative things to say. People in healthcare switch to tech because they get tired of the stress of dealing with people and being overworked by hospital management. People in tech switched to healthcare because they hate staring at a screen all day and find the work tedious , they find helping people much more meaningful. White collar people hate being stuck inside all day and dealing with corporate rules and switch to learning trades. Blue collar people don’t want to be out in the hot/cold all day and destroying their body with physical labor, they find a cushy desk job and better benefits much more appealing. Business owners often sell their business because it’s too much responsibility and rather work a 9-5 for a better life balance. Many people quit their careers because they hate being tied down and go start their business. It’s seems like no matter what you do there’s no right answer. Wish there was a way to experience working a career without investment your time and money on it.

Edit: Did not expect so many replies just went on a bit of a rant. Glad to hear some of you have found fulfilling careers. 

Is anyone actually happy with their careers?

Is there a difference? 

My current position offer 25% on first 6% instead of 1.5% total match

I received another offer with a 50% match on first 6% instead of just saying a total 3% match

I'm assuming the math is different between the two, but I'm not a math person. 



Edit:

Thanks everyone, I was comprehending it weirdly. 
Definitely understand now that I only essentially get the full match if I do the full 6%. If I contribute less than 6%, their contribution percentage also lowers. 

Why does this company say 50% match on first 6% - instead of total 3% match?

>Billionaire investor Bill Ackman is betting the Federal Reserve will begin cutting interest rates sooner than markets are predicting.  
>  
>  
The Pershing Square Capital Management founder said such a move could happen as soon as the first quarter. Traders are fully pricing in a rate cut in June, with the chance of a cut happening in May priced at about 80%, according to swaps market data. 

https://www.bloomberg.com/news/articles/2023-11-28/bill-ackman-bets-fed-will-cut-rates-as-soon-as-first-quarter?leadSource=reddit\_wall

Bill Ackman is betting the Federal Reserve will begin cutting interest rates in Q1 2024

I am a minor (15F) and recently my grandfather has been asking me shady questions such as mail with my name on it, my ssn, my birthday, my id, etc. I haven’t given him anything however my aunt has provided him with it. I live in his house for the time being and I have reason to believe he is doing this with the intention to put a bill under my name. I asked him what jt was for and he said for “central Hudson” (heating/cooling). I found an envelope from central Hudson and he currently has a bill for 7.6k that is unpaid. This, aswell with the fact that he printed out copies of my ID makes me believe that he plans on opening a new central Hudson bill under my name. I googled on what to do and it seems that all options would require me to be 18; Suing, police report, etc. what can I do NOW to prevent this?

I believe my grandfather is putting bills in my name.

There are pay ranges that show people making 7 figures total compensation. I don't doubt that they're worth it. But, are they getting paid so much because they have unique skill sets? Or, are they just so effective that they're worth that much?

If someone wants to strive to be a top engineer and achieve those salaries, what do they have to do? I assume they have to demonstrate skills or attributes that go beyond just knowing how to use every algorithm and data structure and technology stack.

What attributes or skills are necessary to be considered a top engineer?

I bought a foreclosure house in California and recorded the deed. However, the former owner is not leaving. She wants to sign a cash-for-key contract with me for $5,000 and 2 months.I have already served her with a 3-day notice to quit. Should I go ahead with the judicial unlawful detainer? Or sign the cash-for-key contract? What if she doesn't leave after 2 months?

Former owner won't leave after I bought the foreclosed home

I see so many people not following what they took at uni. Begs the question if its actually worth the paper its written on. I see guys making 6 figures in the trades and teachers on 30k a year. I honestly can’t wrap my head around it.

What mid 20s career switch worked out for you?

I just received a letter in the mail from a debt collector claiming I owe around 4000 dollars in debt to the Department of Veterans Affairs and about 800 dollars in administration fees.

I called the VA to learn about this debt, and they informed me that back in 2016, I dropped all my classes and that the money deposited to a USAA bank account was never returned to the VA. They called this an overpayment and claimed they sent me letters in the mail notifying me of this debt. I never saw these letters, and if I did, I likely would have asked my Dad to handle them for me because I would not have known what the debt was.

So the thing is that I never actually saw this money. It was sent to my Dads checking account because he set it up with his account and not mine, and when I dropped all my classes without even attending a single one, I had no idea that money was sent to my dad or else I obviously would have known that the money would need to be returned. 

Another interesting point is that a VA agent left a note on the debt back in 2021 saying, "Father claims he already paid the debt." So, I think the likely scenario here is that my dad intercepted the letter in my name from the VA and called about the debt but never informed me. I could have worked out a payment plan with the VA back then instead of dealing with collectors if I had known about the debt, so I am furious that he kept this from me, combined with the fact that he practically stole money from me. 

Enough blaming. I can take some responsibility here and take some action. I need to know what the best course of action is to avoid this negatively affecting my credit. I can pay this balance in full, but are there any other actions I can take to avoid this hurting my credit? I have never missed a payment in the past 7 years, and I'm looking to graduate here in the next month and get into my first apartment.

My dad never returned 4000 dollars in school refund/housing stipend back to the VA from 2016

Have you ever heard of the phrase "When it rains it pours"?

In the last 24 hours alone,

* One of my vacant houses was broken into
* Major Septic tank at another one of my SFH
* Roofing issue at house holding up insurance policy
* Plumbing issue at other house holding up insurance policy

All this on top of interviewing for a promotion at my full-time job.

While I'm extremely grateful for my properties and my full-time W2 career, just want readers to know that Real Estate is 0% passive for the first couple years. The amount of time I've spent on the phone this year is equal to the amount of time I spent on my W2 job- all in the name of stabilizing my properties.

I invest out of state in Florida where I'm from originally but live in New York.

I started with 0  and now have 8 properties in 2 years flat.

 I've done this through leverage- hard money + friends who have invested private money with me here in NY.

**Things I've learned in 2 years doing BRRR:**

* Your network is everything in Real Estate. Hold on to great people for dear life and make them believe in your long-term vision so they'll work with you and give you priority over other things going on. That goes for Contractors \[especially\], Tenants \[especially\], and anyone that does quality work at a fair price \[Prop Managers, Handymen, etc..\].
* Build a philosophy/thesis around the kinds of properties you're targeting, certain areas you believe in, etc.. I  have 3 townhomes but realize the HOA fees cut into the DSCR calculations for Refis significantly with rates this high. **Now only targeting SFH.**
* It's possible to self-manage if you get great tenants and build strong relationships with them. I self manage 4/8 and have prop management for 4/8. Keeping quality tenants is absolutely the key to everything-being able to communicate well is essential in RE
* There are unexpected costs that come every month, **without fail**
* Be conservative with your ARV estimations. My wholesaler is always high on their ARV #
* Comps typically have to be from the last 6 months for SFH- make sure you have a handle on recent comps BEFORE you buy that diamond in the rough
* Treat your tenants like gold if they're quality. Be tough if they're disrespecting you \[especially if they know you live out of state\]. Have a truly problem property? Property Management is the answer
* Turnkey off-market properties are sometimes the best deals since you don't have to put a dollar in to fix them up. Usually they appraise pretty well if comps are strong
* Build a network of lenders, insurance brokers, contractors, that can give you different viewpoints and estimates. Once you find a few you really work well with go all in on that relationship but keep other options in your pocket
* The cheapest houses tend to have the most problems as a rule of thumb
* Before you pull the trigger on off-market purchases have your contractor walk the property to give you a rehab estimate before you decide to buy it  
*I'm sure there's 50 more lessons I'm not thinking about but just wanted to drop these learnings for myself as much as anything! Hope they're helpful*

How Real Estate Investing really works

I received an email that stated  the following:

“I would like to meet with you to discuss some concerns that have come to our attention. This is not punitive or an interrogation, but a private conversation with you to hear your account. I ask you do not discuss this with your colleagues to maintain the confidentiality of information and to preserve the accounts of all parties involved. You can contact me at at x#### with any questions”

My question is I work in a union, should I request a rep? Does it sound like I am going to be fired? Outside of reading my employee handbook is there anything I should do to prepare?

Update: I asked for a union rep and I was told “a union representative will not be present as this is not administrative interview” 

I have no idea what that means and what I’m in for. My meeting is in an hour and I’m scared 

Update 2:
My meeting was scheduled for 15 minutes but took place for over an hour (almost 1.5). I was told that I wasn’t in trouble, that the inquiry wasn’t about me directly, but then was grilled on a ton of processes and procedures I personally need more development on. My HR rep was nice, she asked me questions and I explained procedures etc. but I don’t trust that it “wasn’t regarding me” when all we talked about are the weak areas of my day to day work. I was given the chance to explain how to no ones fault that training hasn’t been present, I acknowledged I could advocate for myself better when it came to questions regarding things I don’t understand and I also explained how my previous experiences and strengths do not always align with my current duties but that I’m grateful that I’ve had the opportunity to grow.

TLDR: I wasn’t fired but the way they described things and based on what they asked I’m concerned they’re trying to build a case for firing me 

Update 3:
I tried emailing my union and erroneously emailed HR, the higher up to the staff member who emailed me. I was told in a response email from this supervisor that “____ is conducting an investigation and needed to get an understanding of how the team works. This investigation is not about you or your work, but your insight is helpful for ____ to understand what the norms of performance are within the group.  There is no need for you to have a union rep, because your performance is not in question or subject to disciplinary action. There isn’t anything you need help with because there is no action being taken against you…” 

All around this is sus. I’m a naturally neurotic and paranoid person and I don’t trust HR departments or other figures of authority. So idk but I’m going to start looking for work elsewhere because this whole situation has me feeling “off”. I wasn’t trained, we’ve had lots of turnover and it’s all a shit show. I’m pretty done with it all after this whole experience but will complete my duties to the best of my ability while I look for opportunities elsewhere 

Meeting with HR for the first time in my career today? Not sure what to expect

Situation:

Im a 24 year old canadian, I started university in 2021 for an IT diploma, dropped out and took on $10k in debt.

since 2021, I've worked a total of 6 months, drained my savings. 

I applied to university again for January for an accounting diploma, which would be be about $20,000 of loans by the time im done, so id graduate with roughly $30,000 in debt. $50,000 if i do a degree. 

Job Opportunity: My brother is a manager at a Jaguar dealership and told me he could get me on there, and pull a couple strings to get me a office job within a year. He said the service advisors at his dealership make around $70,000 a year, and he would get me a job doing that.

Should I go to university for accounting, or just take this opportunity and run with it? im working labour right now and im desperate for an office job i dont have to break my back at, thats why i wanted to go back to school. 

&#x200B;

&#x200B;

&#x200B;

&#x200B;

Im 24, haven't really worked the last few years, $17,500 in debt with no savings. Take a good job opportunity, or go back to university?

I recently found about how amazing HSAs are so I signed up for it for next year, but I'm feeling nervous as I had to switch to a high deductible health plan to get it, and I have always had PPO. With our company's high deductible health plan, there is one free physical per year, and everything else has to be paid out of pocket until you hit the $3000 deductible. Our company does also match $500, and I am maxing out the HSA this year, but my therapy sessions cost $170 each (previously the copay was $25) so it will add up to quite a bit of cost even if I only go once per month (or god forbid, have extra doctor appointments, urgent care, ER). Is my company's plan particularly bad? 

I'm trying it this year since the HSA is supposed to be amazing and realistically, if I have to pay the full $3000 I will be just fine, I'm just struggling with the cost-benefit of it. Is is something that only really makes sense if you only plan on going to the doctor once or twice a year or is the long term benefit truly worth it if you can afford the out of pocket?

Are the benefits of HSA really worth the risks of a high deductible health plan?

I’ve never been good with money. I’ve always lived paycheck to paycheck and at least once a month scrounge and scramble to make ends meet with delivery gigs, plasma donations, and pawning or even selling my belongings. My parents were the exact same way, except they’d just take out credit card after credit card instead of finding new income. I have nothing left to pawn except my own PC that I use for work. My credit is completely ruined.  
  
I’ve got to get my impulsive spending under control and find some kind of system that works for me. I have no idea where to start though. I always overspend on shopping on Amazon or Walmart. My family is just as bad as I am and I’m too embarrassed to go to my friends about it because it means they’ll see how I live.  
  
Has anyone been in this situation and come out of it in a better place financially? Is there some system that clicked for you when others didn’t? I’m not sure where to go from here, and clearly I can’t do it on my own.  


How do you keep your spending under control?

I have 6 YOE and I think I am getting to the point of feeling myself wanting to do something other than develop. Modern web development is just monotonous (not that it’s easy, it’s just all the same crud) and I find it hard to care or to focus. Sometimes due to my lack of focus I make dumb mistakes. I’m tired of being stressed out daily trying to keep up my skills on top of the constant information overload from day to day. It’s just hard to see clearly after all of this. I’m never relaxed, always on edge. Not that I have a bad job, quite the opposite, it’s just I always feel like I’m in a constant state of problem solving. Solve one thing, on to the next immediately. I’m on edge because my mind is constantly overloaded. 

Sometimes I just want a zombie job. My wife does marketing and spends the day making ads via a template and generating reports, fully remote. My job is solving the next crisis on hand - getting an “impossible” feature working in the codebase, putting out dev support fires, SCRUM meetings galore, handling releases - just overall a lot of responsibility. 

On one hand it feels I’m just burnt out, but on the other, I can’t believe it. I have a 9-5 40 hour a week job, paid well, fully remote and the culture is good. It’s about as chill of a place to work as you could imagine. I guess I just don’t feel like I should be burnt out, but damn I am really starting to hate this industry. 

Anyone else? I just don’t feel like I’m cut out for it some days.

Does anyone here dislike programming after working for some years?

I’ve had a few jobs since graduating college 5 years ago and the main problem I’ve had is that I just do not care. I start out with enthusiasm but it fades about 6 months to 1 year in, and then I’m so obviously checked out, I feel like everyone can tell. It’s not an apathy problem, I care deeply about the people and events of my life, I’m more than capable of putting effort and care into the things I consider “real”. But when it comes to caring about a company, or profits, or team building, or climbing the ladder, it just doesn’t resonate with me at all and it ultimately results in frequent job hopping because I can’t force it any longer. How do you not spend every day at your job zoned out thinking about things that actually matter to you? Or does your job really matter to you? How do I get it to matter?

How do I force myself to care about my job?

#474: When Tiffany Aliche was in her 20’s, she fell victim to a credit card scam. A crafty swindler convinced her to take out a cash advance against her credit card for $35,000. He said that he’d invest the money and produce Bernie Madoff-style returns. She was an inexperienced investor. She believed him. She never saw that money again. Aliche worked at a preschool. She didn’t make much money to begin with. But matters worsened when the school shut down, and she lost her job. She fell behind on mortgage payments and lost her condo. In order to recover from such huge setbacks, she had to grapple with an enormous sense of financial shame. Today, financial educator Tiffany Aliche, better known as The Budgetnista, shares how she overcame financial shame. She talks to us about the opposite of shame, which is a sense of financial wholeness. And she discusses practical tips for how to navigate the challenges of debt and scams.  For more information, visit the show notes at https://affordanything.com/episode474 Learn more about your ad choices. Visit podcastchoices.com/adchoices

#474: When Tiffany Aliche was in her 20’s, she fell victim to a credit card scam.A crafty swindler convinced her to take out a cash advance against her credit card for $35,000. He said that he’d invest the money and produce Bernie Madoff-style returns. She was an inexperienced investor. She believed him.She never saw that money again.Aliche worked at a preschool. She didn’t make much money to begin with. But matters worsened when the school shut down, and she lost her job. She fell behind on mortgage payments and lost her condo.In order to recover from such huge setbacks, she had to grapple with an enormous sense of financial shame.Today, financial educator Tiffany Aliche, better known as The Budgetnista, shares how she overcame financial shame.She talks to us about the opposite of shame, which is a sense of financial wholeness. And she discusses practical tips for how to navigate the challenges of debt and scams. For more information, visit the show notes at <a href="https://affordanything.com/episode474" rel="nofollow">https://affordanything.com/episode474</a> Learn more about your ad choices. Visit <a href="https://podcastchoices.com/adchoices" rel="nofollow">podcastchoices.com/adchoices</a>

Surviving a $35,000 Credit Card Scam, Job Loss and Foreclosure, with Tiffany Aliche, The Budgetnista

Quint and Daniel break down providing money for special need children through an ABLE account or a 529 plan.

Quint and Daniel break down providing money for special need children through an ABLE account or a 529 plan.

Providing Funds for Special Needs Children

Last month, a Missouri jury found that real estate brokers colluded to artificially inflate and fix their own commissions, and as a result, ordered the National Association of Realtors to pay $1.8 billion in damages. While the ruling will be appealed, with highly uncertain damages and remedies, the case is shining a light on how participants in the real estate industry get paid, and raising the question of whether homebuyers are paying too much to their brokers. So how do brokers get paid? What are their incentives? And why haven't fees for brokers gone down, even as online platforms that compete with them have proliferated. On this episode of the podcast, we speak with Andra Ghent, a finance professor at the University of Utah and a specialist in real estate who explains how the structure works currently, and how the lawsuit could ultimately change the entire business model of buying and selling homes.See omnystudio.com/listener for privacy information.

Last month, a Missouri jury found that real estate brokers colluded to artificially inflate and fix their own commissions, and as a result, ordered the National Association of Realtors to pay $1.8 billion in damages. While the ruling will be appealed, with highly uncertain damages and remedies, the case is shining a light on how participants in the real estate industry get paid, and raising the question of whether homebuyers are paying too much to their brokers. So how do brokers get paid? What are their incentives? And why haven&#39;t fees for brokers gone down, even as online platforms that compete with them have proliferated. On this episode of the podcast, we speak with Andra Ghent, a finance professor at the University of Utah and a specialist in real estate who explains how the structure works currently, and how the lawsuit could ultimately change the entire business model of buying and selling homes.See <a href="https://omnystudio.com/listener" rel="nofollow">omnystudio.com/listener</a> for privacy information.

A Stunning Lawsuit Could Change How Realtors Get Paid

In this episode of the Rich Dad Radio Show, host Robert Kiyosaki and guest David Garofalo, Chairman and CEO of Gold Royalty Corp, discuss the current state of the mining industry, the value of gold and silver, and the concept of royalties. They highlight the decreasing purchasing power of the US dollar and the increasing price of gold since the decoupling from the gold standard. Garofalo explains that owning a royalty in a mining company can provide protection against cost inflation and allow for diversification. Kiyosaki expresses his interest in investing in gold and silver as a protection against economic instability.-----Please read carefully.This is not financial advice.You may be asking, “what does that mean?”Let me explain…Do not just do what I, my team, or my guest says. That would be stupid and irresponsible. Take the education, then use your own brain and make your own decisions.YOU must take responsibility for your future and your success. That is why you are here. Neither I, or my team, or my guests, know your risk levels, prior education, emotional maturity, or how much money you can afford to lose. We are only telling you what we believe to be smart moves. But you must decide for yourself. There are NEVER guarantees. Also understand that we are REAL teachers. We practice what we preach. With that in mind we often invest in the very projects that may be mentioned on this show. While it is never our intent, we could possibly profit from others investing in our recommendations.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5712278/advertisement

In this episode of the Rich Dad Radio Show, host Robert Kiyosaki and guest David Garofalo, Chairman and CEO of Gold Royalty Corp, discuss the current state of the mining industry, the value of gold and silver, and the concept of royalties. They highlight the decreasing purchasing power of the US dollar and the increasing price of gold since the decoupling from the gold standard. Garofalo explains that owning a royalty in a mining company can provide protection against cost inflation and allow for diversification. Kiyosaki expresses his interest in investing in gold and silver as a protection against economic instability. ----- Please read carefully. This is not financial advice. You may be asking, “what does that mean?” Let me explain… Do not just do what I, my team, or my guest says. That would be stupid and irresponsible. Take the education, then use your own brain and make your own decisions. YOU must take responsibility for your future and your success. That is why you are here. Neither I, or my team, or my guests, know your risk levels, prior education, emotional maturity, or how much money you can afford to lose. We are only telling you what we believe to be smart moves. But you must decide for yourself. There are NEVER guarantees. Also understand that we are REAL teachers. We practice what we preach. With that in mind we often invest in the very projects that may be mentioned on this show. While it is never our intent, we could possibly profit from others investing in our recommendations. This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at <a href="https://www.spreaker.com/show/5712278/advertisement" rel="nofollow">https://www.spreaker.com/show/5712278/advertisement</a>

Gold vs. the US Dollar: Who's Winning the Battle?

#737 What is an advantage you have that almost feels like cheating? Is there something you can do that others can't or won't, and how do you leverage it to uplevel your brand? All of us can find our edge if we know where to look. Today's incredible guest, Dan Shapiro, is here to show us the way! As co-founder of the iconic 3D printer company Glowforge, Dan has empowered tens of thousands of people to start and run physical product businesses. He is the creator of Robot Turtles, a board game designed to teach kids the fundamentals of programming, and the author of Hot Seat, a guidebook for startup CEOs. To bring his ideas to life, Dan has also run some of the largest crowdfunding campaigns ever! Why do some businesses work while others fail? How do you create products that resonate with people and build something special? Listen in to find out! Show notes and more at SmartPassiveIncome.com/session737.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#737 What is an advantage you have that almost feels like cheating? Is there something you can do that others can&#39;t or won&#39;t, and how do you leverage it to uplevel your brand? All of us can find our edge if we know where to look. Today&#39;s incredible guest, Dan Shapiro, is here to show us the way! As co-founder of the iconic 3D printer company Glowforge, Dan has empowered tens of thousands of people to start and run physical product businesses. He is the creator of Robot Turtles, a board game designed to teach kids the fundamentals of programming, and the author of Hot Seat, a guidebook for startup CEOs. To bring his ideas to life, Dan has also run some of the largest crowdfunding campaigns ever! Why do some businesses work while others fail? How do you create products that resonate with people and build something special? Listen in to find out! Show notes and more at <a href="https://www.smartpassiveincome.com/session737" rel="nofollow">SmartPassiveIncome.com/session737</a>.See Privacy Policy at <a href="https://art19.com/privacy" rel="nofollow">https://art19.com/privacy</a> and California Privacy Notice at <a href="https://art19.com/privacy#do-not-sell-my-info" rel="nofollow">https://art19.com/privacy#do-not-sell-my-info</a>.

SPI 737: Win with Your Unfair Advantage with Dan Shapiro, Founder of Glowforge

Does it ever make sense to pause or slow down investing in order to buy a car?  We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Does it ever make sense to pause or slow down investing in order to buy a car? We&#39;ll walk you through that question and more in today&#39;s Q&amp;A episode! <a href="https://bit.ly/3mB2p69" rel="nofollow">Jump start your journey with our FREE financial resources</a> <a href="https://bit.ly/3mxuhIt" rel="nofollow">Reach your goals faster with our products</a> <a href="https://bit.ly/2Y4TqQJ" rel="nofollow">Take the relationship to the next level: become a client</a> <a href="https://bit.ly/3gxyUOH" rel="nofollow">Subscribe on YouTube for early access and go beyond the podcast</a> Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"Can I Stop Investing to Pay for a Car?"

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Atlanta Federal Reserve President Rafael Bostic and Cleveland Federal Reserve President Loretta Mester are offering slightly ...

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