When your pay is higher than the median, if you don't inflate your lifestyle, 40% is pretty easy.


Conversely, be clear on whether kids or layoffs would likely affect you more or less than other people. Adjust your emergency fund accordingly, and you're good.

Because you are actually learning and not copying an answer. You are building skills when they are letting their brain deteriorate. 

It’s good to understand AI and use it as a tool to explain how things work if you can’t figure things out. But don’t get lazy.

I have a proven track record of success.  
Proceed to give specific examples of your track record. Look up the STAR method for interviews and follow that.

"I wake up every morning and piss excellence"

So you're looking at being knocked down to between $1,000 - $1,200 in savings a month? How expensive is the area/is it further from work? There may be hidden increases in costs in things like that. Also how secure are both of you in your jobs? Is there any chance of a layoff in the next 5 years? Sounds like you might go negative if you got the house and had to take a paycut without scaling back significantly. 

But genuinely if you are planning on having a child with only about $1,000 to spare each month then you'll likely be pretty pressed. Alot of people are able to make it work with less, but that doesn't mean its comfortable. Daycare in alot of MCOL places is about what your entire savings per month would be

If you have a kid, will someone need to stop working? Will your income go down? Can you still pay your mortgage on one income?

Bruh, im turning 34 and a year ago I didn’t have 10k to my name. You have plenty of time to make up!

My retirement is completely through my work - but I also have a Roth IRA that I put $125/week into.

With your savings and current structure though you’re honestly on an excellent path to financial stability later in life. I would max out your Roth IRA (7000/year) even if that means taking from your savings, which are really high for someone your age and in general. To put it into perspective I’m 26 and have around 20k in savings making 90k a year. I have 25k in my pension currently as well.

I would tie in my experience to the role and what they are looking for. Make it personal to your experience and relatable to what they are looking for. That will make you stand out from the generic answers.

**Nice.  Well done.**  The first N dollars is the hardest.  For any value of N.  It is harder to get from 0 to 10K than 10K to 20K because you have that 10K invested and its returns help.  To get from 0 to 100K is harder than 100K to 200K.  From 0 to 1M is harder than 1M to 2M.  Compounding interest helps.  It will get easier.

Don't diminish your achievement. Sure there are people who are retired by your age, but you'd be stunned on how many people older than you don't have 10K in savings.

Stick to your plan.  Patience and persistence are key.

This subreddit is primarily angry people who did mediocre in school or did a bootcamp and never got a job. Elite and high quality SWE really dont make posts here.  
This subreddit is like most of reddit, just noise. Productive high quality people are too busy actually living a succesful life to post on internet forums in the middle of the workday.

There used to be a self awareness of Reddit, that it was an internet forum. Its just completley gone now.

This subreddit is tame in comparison to r/csMajors

I still remember the day Devin AI was announced and everyone was posting how they left their CS major since AI will take over and how everyone else should too, you legit couldn't escape those posts for days

The funny part?  
They started posting these MINUTES after they announced it, I would like to know how these people are able to switch majors that fast

But yeah, I also agree with you, this subreddit (and other social media) is filled with people doom posting about how they got over 1k applications and not 1 interview (totally not AI botted)  
After leaving that CS subreddit, I noticed that my mental health and overall outlook on software engineering became a lot better, despite what the average hype bro said

Looking at stuff like this in moderation is a lot better, and if it's all doom posting?  
Just leave that community, best option for everyone

Another note  
I still find it funny how people treat Computer Science like it's software engineering  
At least the people on do this kind of stuff do

No joke. I personally know people who can barely read, write, speak, comprehend but with a combination of online classes and AI they always pass.  Bad for English speakers but for foreign speakers from certain countries - one in particular - cheating is a way of life.

We get it. Hard to make space for others when our minds are always pre-occupied. Tough to enjoy yourself sometimes when stressed. It’s not always easy to relate to people with different goals and ambitions. 

Try finding more friends who are in the same path. Their expectations of time commitment could be more aligned with you and understanding of your focus on the business. Mine share memes. We meet up for coffee instead of drinks. We exchange stories, tips, and discuss book recommendations.

Also, instagram isn’t real. Those pictures are a tiny glimpse and the real story doesn’t always align. Keep doing what feels right to you and don’t get discouraged or distracted. Grass isn’t greener on the other side. 

Feel free to DM if you ever need. There is always time for fellow dreamers and doers in my life

Hey man congrats! I’m same age and around same net worth. You ever think about taking a year or 2 off from work? I’m at that point right now haha

Soon to be zero debt and 10k in savings/investments? You’re doing so much better than most of America. 

I’m also 26 and very fortunate to have found this place and other financial advice as I was leaving college, but that 10k will compile and roll up into 100k extremely quickly as you continue to grow your career and salary. 

Everyone has a different journey to take, and you seem to be on the right path. Keep it up!

I was fortunate to have a great partner/wife. Together we built a multimillion dollar business from nothing. When I woke up in the middle of the night wondering how we were going to make next weeks payroll, I would just ask her opinion, since she was right next to me, wide awake, worrying about the same thing.

I would for sure prioritize the Roth IRA first. It comes with various benefit that a 403b doesn't. With the exception being if your employer does some type of 403b match, in which case contribute enough to get the match.

And I wouldn't necessarily go spend a bunch of money on a car unless/until your Toyota starts costing major $ in repairs. Yes, a 2002 Toyota is old, but honestly if maintained well it could last another 100k miles. Remember, cars are not investments. They are depreciating assets that can literally be worthless on any given day from an accident. When it does come time to buy something try to spend as little as possible, pay cash (unless you can qualify for super cheap financing) and getting another Toyota or a Honda would be the way to go for max quality, resale value and low cost of maintenance.

Aim to keep at least 6 months worth of all your expenses in high yield savings account such as at Ally Bank at all times. That is your emergency fund. Plus any money you need within the next few years for major purchases (like a car, house, move). Remaining money can and should be invested to maximize your returns over the long run. Keep investments diversified and cheap - like a total stock market index fund (VTI) or an S&P 500 index fund (VOO).

As a 25 M who just hit 100k like last week. Big Congratulations to you, brother!

Wow. i was always thinking that Tiktok isn't the channel for advertising

Hi! I’ll send you a dm, I’d love to connect. I’m building in the edtech, language learning space and have some similar insights too!

Start with the Budgeting section of the wiki, then the flowchart for navigating financial priorities. There is a lot of good info throughout the wiki to continue building your financial literacy so you'll be confident adjusting your plan as life changes.

ETA: With your current savings, no debt, and what appears to be a frugral lifestyle, you're on a great track already!

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So my deadbeat dad, who I only see about once a year, is trying to convince me that I have to pay an $800 bill from a blood test I had before I turned 18. He was court ordered to provide me with insurance, but he recently switched me to one of the worst plans possible, so they only covered about $60 of it. Now he’s telling me to set up a payment plan with the hospital so I can pay it. I’ve asked him multiple times whether the bill is under my name or his, but he refuses to tell me and instead tries to guilt trip me into paying it. I honestly don’t care if I end up paying, but since he won’t give me any actual details I literally don’t even know where to pay it at. I don’t want to risk my credit getting completely screwed if it’s under my name.

Edit: the comments are getting a bit much to respond to individually but imma just make sure the debts not in my name and not tell him anything he got the bill so he knows what he has to pay and there’s no reason for me to tell him I’m filing myself under taxes since he legally shouldn’t be doing that anyways and he knows that 

My 18th birthday was on April 27th, am I responsible for the bill of a blood test I had on April 4th before I turned 18.

There was a story going around last week that came from Blind about a VP that got fired and that 1200 contractors were let go. A lot of people think it was a rumour. However, it seems like that did indeed happen based on a tweet from a Walmart exec. Although he seemed to minimize the situation: [Dan Bartlett on X: "To set the record straight, earlier this month, following an investigation, Walmart terminated one vendor and a small number of U.S.-based associates. This investigation had nothing to do with H-1B visas and everything to do with acting with Integrity, a core Walmart value." / X](https://x.com/danbartlett6/status/1960046954685382741?utm_source=chatgpt.com)

  
Recruiters all over LinkedIn have been reaching out to people  saying that 1200 contractors were let go, and they need to fill a ton of positions by next Friday

Source: [murphy052589](https://www.reddit.com/user/murphy052589/) \- [https://imgur.com/a/1CZ1lun](https://imgur.com/a/1CZ1lun)

Walmart Confirms Firing 1200 Contractors and VP for Taking Daily Kickbacks

This apparent pump and dump spotted by Peter Schiff https://x.com/peterschiff/status/1896637889687204155?s=61&t=7QFl7dNiHVpjsF6BIYe-Og

occurred the same week Trump announced aggressive tariffs on Canada, which tanked the market hard last March. "Comments over the weekend from Trump that indicate his administration has a high tolerance for short-term economic disruptions and market volatility added to investor concerns. In an interview with Fox Business, Trump didn't dismiss the possibility of a recession, saying that there will be a "period of transition". When asked about the market's negative response to tariffs, he said: “What I have to do is build a strong country. You can’t really watch the stock market."

https://www.investopedia.com/dow-jones-today-03102025-11693786#:~:text=Shares%20of%20Strategy%20(MSTR)%2C,lowest%20levels%20since%20mid%2DNovember%2C

I remember him making similar threats to China during his first term and the stock market responded every time. It became apparent this was on purpose. Shrewd, sure. But, is this healthy for us? What about another leader down the line? Everything we let him get away with can and will be turned around with the next administration.

Shortly after Trump got elected, he started a meme coin. https://www.kraken.com/prices/official-trump

This business arrangement is gaining momentum and expanding right now. "Trump Media & Technology Group (DJT.O), opens new tab and Crypto.com on Tuesday agreed to a deal with a blank-check acquisition company to launch a new venture that will pursue a treasury-style strategy to accumulate the cryptocurrency platform's native token CRO, deepening the ties of U.S. President Donald Trump to the industry." https://www.reuters.com/legal/government/trump-media-cryptocom-launch-new-crypto-treasury-firm-via-spac-deal-2025-08-26/

Are we still a free market when the executive office manipulates the stock market and buys a crypto treasury firm?

In a landmark ruling on July 18, 2025, a US federal court upheld California’s authority to act against caste discrimination, rejecting the *Hindu American Foundation’s* claims that caste protections violate the religious rights of Hindu Americans.


The case originated from CRD’s 2020 lawsuit against Cisco for allegedly enabling caste-based discrimination against a Dalit engineer by higher-caste Indian-American managers. HAF had earlier tried to intervene in the Cisco case but was denied by California state courts

Four key outcomes

The court’s 31-page judgement outlined four major outcomes:

> Affirmation of state authority: The CRD has the constitutional right to enforce anti-discrimination laws, including against caste-based discrimination.

> Legitimacy of CRD actions: The lawsuit against Cisco Systems, a major California tech firm, was found to be a legitimate public enforcement action, not a private legal dispute.

> Rejection of religious freedom argument: The court ruled that the CRD’s enforcement did not violate any First Amendment rights of Hindu Americans, dismissing the argument as “entirely unpersuasive.”

> No standing for HAF: The court held that HAF does not represent all Hindu Americans and failed to show concrete links to the broader community. “Plaintiffs have shown no facts demonstrating actual activities, engagement, or funding mechanisms,” the judge wrote.


https://www.thenewsminute.com/news/us-federal-court-backs-californias-fight-against-caste-discrimination

US federal court backs California’s fight against caste discrimination at Cisco in a landmark ruling

Lately, I have been seeing a lot of posts around how engineers feel burnt out, stuck, or afraid AI will take their jobs.

I can relate to this as well because not too long ago, I myself was that engineer who did good work like just working really hard, doing as many tickets as fast as I can, working overtime or on weekends, etc., but still felt completely invisible. Being introverted, I’d also join meetings, and just mostly stay quiet and never really contribute much. Honestly, it made me question if I’d ever stand out in any way.

What surprised me was that things started changing not when I worked harder, but when I worked differently. I began focusing on things like communicating my work so people could actually see the impact, building trust and alignment with teammates, finding small ways to speak up and make my contributions more visible, etc.

That shift made a huge difference. I actually started working less, got a better work-life balance, and finally started getting the recognition I wanted. Also made me realize that promotions and opportunities ended up coming as a side effect of that shift, not because I was grinding harder.

I know it’s tough because “just do more tickets” feels like the safe path, but in my experience, it rarely leads to visibility. For me, changing how I worked gave me both better career growth and more fulfillment in the job.

Curious if anyone else has felt the same? Do you feel like you’re in the grind stage, or have you found other ways to break out of burnout?

Why are so many Software Engineers burnt out?

Don’t waste your time or mental energy obsessing over the “optimal” portfolio.

	•	100% VT is good.
	•	100% VTI is good.
	•	100% VOO is good.
	•	100% FXAIX is good.
	•	100% FSKAX is good.

The amount of time people spend fine tuning allocations instead of just putting money to work is absurd.

You need to focus on one thing and one thing only: consistently adding money into whatever common-sense approach you prefer.

If the US goes into a recession, it’ll drag the rest of the world with it… so debating whether to have 15% or 20% in international equities won’t make a meaningful difference in the long run.

Pick one fund, or two, or whatever you’re comfortable with. The most important thing is to keep buying consistently. 

Good luck folks.

If you’re a long-term investor, here’s my advice

5 years at Microsoft out of college. It’s been a few months and I haven’t received any offers. I was wondering what helped to those that have had success. Interviews seem to go well, made it to several final rounds. It got to the point where multiple interviewers told me they would start using some of my methods in their own work (SLA management and stuff). And then I get ghosted. By the recruiter and all that interviewed me. So I never get any feedback on what I could do better. 

The only interviews I’ve gotten were from recruiters reaching out. My resume and cold applying has gotten me nowhere. And this is after several resume reviews and refactors. 

Does anyone know what could help me here? Even seemingly successful interviews go nowhere. I am also a US citizen so there’s no sponsorship concerns. I’m also willing to relocate so I’m not just picking remote roles. 

Laid off after 5 years at Microsoft. Need help landing a new role.

I’ve been at my first full time job for almost three years now. At the start, I was excited just to have something stable, but now it feels like I’m stuck in a loop same tasks every day, no real growth, and promotions look like they’re years away. Most evenings I get home, eat, maybe scroll for a bit, and then do it all again the next day. It’s made me realize how much of my week just disappears into routine, and I don’t know if that’s normal “early career stuff” or a sign I should start looking elsewhere. For those who’ve left their first safe job for something new how did you know you were ready? Did you wait for an opportunity to come up, or did you actively push for change?

How do you know when it’s time to leave your first real job?

I found my girlfriend’s Tinder account.  
Most men would see betrayal.I saw an undeveloped asset.She had 42 matches.   
I saw 42 potential new clients.  
 I made a first move for her and set up a date with every one of the guys approaching her.   
This will build her confidence AND give me spare time to work on my businesses The dating location? My restaurant.   
The appetizers take an hour to prepare and the parking costs $40.I also charge a mandatory 25% service fee.  
The guys are not happy with the place my GF chose.   
But every gentlemen understands with great risks comes great rewards.   
Each date she goes on generates $150 in high-margin revenue for my portfolio.   
I dont think you understandJust look at the amount of shareholder value I created.   
40 men got a match my GF would otherwise ignored. (I rejected 2 because they are high-risk customers)  
My GF gets to explore her options and building her confidence.  
I also get to beta test a new customer acquisition funnel for my restaurant.  
This is the story of how I turned my biggest liability into my most profitable asset.  
Follow me for more financial advice.

(From *david len* on Linkedin.)

Turn liabilities into profit

I asked a bunch of my coworkers this and the overwhelming favourite was $20M at 70. First can you please pick one and why? Second, you’re basically stacking money you’ll probably never spend. A lot of people said, “Well if I die at 70, at least I leave it to my kids.”

That’s fine, but to me, raising my kids right, paying for their education, and setting them up is enough. I don’t need to die with a $20M bank account. At that point it doesn’t feel like selflessness, it just feels like hoarding money until the clock runs out.

There’s a big difference between choosing to leave wealth behind and just dying with money you never got to use. One is generosity, the other is just… unused potential.

Money can outlive you, but you can’t outlive time.

So what’s the psychology behind this? Why do people sacrifice their best years for money they may never touch?


$1M at 50, $4M at 60, or $20M at 70? Assume you have a paid off house and car.

Saw a post earlier today about how lonely the founder’s path really is. I dropped a long reply there, but this topic hit me so deep I felt it deserved its own thread.

Here’s the truth nobody hypes on LinkedIn:

Starting a company is like breaking out of prison. The 9 to 5 cage feels safe through steady paycheck, social life, weekends off. But when you escape, you enter a world that’s free but brutal. Freedom comes with wounds, sacrifices, and nights when it’s just you and your doubts.

It’s not just “loneliness”, it’s being alone in your thoughts. Your friends don’t get it, family nods politely, and even co-workers (if you have any) aren’t lying awake thinking about cash flow and churn. You carry that mental weight solo.

Then come the sacrifices:

Financial → You go from spending freely to questioning every expense.

Rejection → Months of work, 50+ investor rejections, endless pivots.

Bias → Judged on your passport, accent, gender, even your postcode.

Side hustles → Odd jobs, freelancing, hustling just to survive.

But you’re not actually alone. Many before you walked this road, and what waits at the end of the tunnel is worth it:

1. Family that stood by you

2. Financial freedom

3. Physical freedom

4. A transformed mindset

At that point, you realize what you really gave up was just time, a fraction of what you wasted in the cage.

💡 TL;DR: Entrepreneurship is dark, lonely, and brutal, but you’re not the only one walking this road. The pain is the price of freedom.

Stay blessed, fellow founders. Shout out if you need someone who’s been there, plenty of us are carrying candles along the path.

The dark secret of entrepreneurship that no one tells you about, and how to deal with it

I stared at it for a while in disbelief. It was difficult to save that much, now I need to go find the other $90,000 lol. 

I just wanted to say thank you to everyone on the sub-reddit for the amazing advice. I'm 26 years old and I know I'm behind the curve, but I'm determined to stick with it. I don't have student loan or credit card debt (Paid off the credit cards). I still need to pay off my car, but I'm on track to finish payments by the end of the year.

My days are feeling a bit brighter.

Made my first $10,000 today

Wife (28) and I (32) currently make ~200k. Gross is around ~16k/month. NET  take home is around 11k ( post constributions 10% 401k both, 1 person max HSA, 1 person max roth IRA).
My minds working on biweekly paycheck we net around ~10200. 

We live in MCOL area. Housing has cooled off a bit. 

Debts- 
Current house will sell for 255k on average. 4.125%. 
(1700 PITI, 192k left) 
Condo owe around 40k at ~8% (500/month) in different country
Car 12k left (300/month)
No other debts. 

Savings- 75k in HYSA including emergency fund.
Other 401k HSA Roth around ~220k.

Expenses- On average. 
Utilities 500
Roth 580
Car insurance 310
Food/restaurants/gas/memberships - 1300
Another 1000 for travel, flights, family expenses buffer.


Total expenses with debts and mortgage today is around 6200. We currently save about 3500 per month..

Now we are looking at new house 500k with ~4k-4.2k PITI. 
Thinking of selling the current home and moving. Thought of renting but doesn't seem like my cup of tea.. need liquidity. 

Saving 20% down will take much more time and we are already at a point where we would like a better house. Also the fact that house sales are slowed and people are offering 20k 30k less than listing. 

I plan on selling the current house (net ~42/45k) and payoff debts. Then purchase this house with 5% down and ~20k emergency savings post purchase and payoffs... Will save around ~2k (biweekly considering 10k) or 3k(monthly calculations).

Does it make sense to pay that much in mortgage? Will we be house poor or will we have enough down the line if we plan on a kid..
Should we just go for a lower priced house? 






Is ~40% of my take home pay too much for a mortgage.

First and fore most the app is freemium so that’s why only 631 sales ($7.99/mo or $39.99/year. I have yet to figure out proper monetization and better ways to get the free users to actually pay but students are notoriously broke lol

Im a young female founder so I’m aware there’s lots of things I should be doing that I’m not :) any advice is welcome. Oh also sorry for any tangents I have severe adhd so yeah.

Here is what DIDN’T work:

X. Agencies. Maybe it’s just me but 3 out of 4 totally screwed me. Seems their business model is broken or idek. It seems it’s mostly just management fees and then outsourcing my work overseas for pennies on the dollar. Only one agency produced a profit for me but even then it wasn’t substantial enough for me to continue at this stage as it was barely above breaking even.

X. Newsletter sponsorships. I know it all depends on the newsletter and their audience. But even with ones that specifically had student audiences, the conversion rate of clicks to paying subscribers was abysmal. Makes me question if newsletter people don’t also throw in some bot traffic to inflate their numbers. Again, I’m sure some are great I just never encountered them lol

X. SEO. To be honest I still think everyone should do this but make it a small 20 mins a week sort of thing and don’t expect results unless you have a big budget. When you’re a startup you need to focus on quick wins and SEO is definitely not one of them for me. I did 3 months worth of daily blog posts with no significant increase in Google traffic. (Also probably best to work with someone who knows SEO but I blew through my budget so it’s best I can do now)

Here is what DID work:

1) Running ads on the App Store. They’re crazy expensive BUT if you A/B test you will find that one version of your app screens & messaging that does much better than others and then you can get get really low cost downloads and sales. So when students search for specific keywords on the App Store my app shows up. Start with a SMALL BUDGET because it will just eat your money. Only bump it slowly if things are working. You won’t get anything by throwing in $100 on your first day. I wasted money like that x_x

2) Mass posting of viral TikToks and YouTube shorts. Like two months ago there was a viral Reddit post here about VUBO which people were using to make brain rot videos as a side hustle. That gave me an idea so shoutout to the op. I used the texting stories template also with those Minecraft running videos in the background. All my videos start with a fake iMessage conversation between two people. Something like “oh my god I got a 52% in Mr. Armstrong’s class” and an unhinged convo ensues lol. Then I mention my study app by name in the texting conversation. All those people search the App Store and find us. Took some trial and error before I made videos that crossed even 5K views but now I have an absolute banger which is gaining like 10-15k views daily for 3 weeks now. Just from 1 single TikTok that the algorithm decided to push. I’m still posting daily and trying to hire someone to help take over.

3) Posting in Facebook groups where students buy and resell textbooks. Either I just flat out post about my study app or I will message people who are there and give them discounts to try my app. This one is super tedious and labor intensive and doesn’t really scale. Tbh I mostly stopped doing this as it feels spammy. And it has minimal returns. but if I was just starting over with 0 paying subscribers I would definitely go hard at this to get the ball rolling.

4) Cold DMing the new followers of frat & sorority chapters on Instagram. This one is also kinda spammy and I stopped doing it lately but it did work to bring at least 10-20 paying subscribers after about two weeks of manual effort. I ended up getting temporarily banned on Instagram from doing it too much so probably just try it if it’s early on and you need first traction but maybe not the best idea long term.

If someone has any advice on what else I could try please let me know I will be super grateful. Thank you. I will also answer questions if someone has one.

Here’s how I got +11,000 downloads & 631 sales for my study app

On the internet it's usually the extreme outlier cases, either people who got extremely lucky or extremely unlucky, the average joe is not represented much.  


That's why you see here people complaining how ~~fucked~~ bad the job market these day and it's nearly impossible to find a job while reading about that one fresh grad that found a job at meta as the ceo's boss.

And as a result, people start comparing themselves to those outliers which feeds into the perfectionist mindset that "If I don't make it at FAANG i'm gonna be homeless"... And that makes the whole thing sooo **stressful** for everyone, especially for student/fresh grads.



It's like we all forgot that you have a good career is by learning programing, not stressing about the job market, latest career tips, and comparing ourselves to others.

that's why a lot are freaking out on this subreddit about the job market. Is it bad rn? maybe, idk I'm too young to know how was it back then. 

scrolling on reddit at this point is mostly just... desperation porn.

For me as a student, I've decided to focus only on my data science studies and stop worrying about the "latest career tips" and "The Perfect Roadmap" and just do the thing that I'm supposed to do, study. I don't have to make a plan for my career or know how it's gonna be for me, I'm just gonna do the best chess move for me rn which is learning.

 

\*sigh\* it's hard to mention the job market here without getting downvoted, 

at least this is my opinion. I would love to hear yours

Spending too much time here is not healthy for your mental health

Serious Question all my younger cousins just cheat in all classes and are saying that its so easy to not get caught.

Kinda demotivates me to study and do things the old fashioned way.

what's the point of college and studying if people cheat with chatgpt?

This is the question I dread the most in interviews.

I have over a decade of experience in operations, but I find it incredibly hard to articulate my value in a way that doesn't sound like every other candidate.

* "I'm a hard worker." (Generic)
* "I have a proven track record of success." (Vague)
* "I'm the best person for the job." (Arrogant)

It feels like a trap. You have to sell yourself, but you can't be too salesy. You need to be confident, but not arrogant.

What are some concrete, effective ways people have answered this? What's the framework you use to structure your answer? I feel like I'm missing a key piece of the puzzle here.

  
(By the way, I built a tool that helps you structure answers to tough interview questions like this. Check the link in my bio if you’re curious.)

How do you answer "Why should we hire you?" without sounding arrogant or generic?

Everyone hypes up the freedom part of being an entrepreneur. “Be your own boss.” “Work whenever you want.” “Unlimited earning potential.”

And yeah, all of that is true on paper, But the part nobody tells you: it’s lonely as hell.

When you’re building something, you’re the only one who really cares if it works. Your friends don’t get it, your family nods politely, and even your co-workers (if you have any) aren’t lying awake at night thinking about cash flow and customer churn.

It’s just you.
You’re the one waking up at 3am wondering if this is all worth it
You’re the one forcing yourself to keep showing up when everyone else is posting their “fun weekends” on Instagram.

I’m not complaining I chose this path.
But I wish people were more honest about this side of it.
The mental weight, the self doubt, the weird mix of isolation + pressure.

curious if others here feel this too.
How do you deal with the loneliness part of entrepreneurship?

No one talks about how lonely this can get

Im 24, living in NJ. I don't want to give away too much information, but I am a teacher. My salary is around 60K a year. I have been with my gf for almost 4 years and intend to marry her. I live at home with my parents. I have about 50K in savings, and 13K in my retirmenent with no student debt.

I have a phone bill, gym membership, health insurance, car insurance and misc. subscriptions that average out to about $250 a month. I drive a 2002 Toyota with almost 200K miles

Here are my aspirations for the coming years

\- Buy a certified pre owned used car

\- Move out of my parent's and move in with my gf in west central NJ where its alittle cheaper 

\- Get married

\- Get a dog

\- Maybe kids

Which of these should I be prioritizing first? Also how much should I be putting into my retirment vs saving? this past year I was putting 1K a month into my 403b and sportically 500 into my Roth IRA





Just turned 24 and landed a decent job, I want to make a 5 year plan

A little less than 10 months ago, I reached a $300k net worth at the age of 26. Here is a link to that thread:

https://www.reddit.com/r/Fire/s/ofDVNUrb5L

If you’d like to see my entire FIRE journey up to this point, feel free to check out my profile. I post these updates anytime my net worth surpasses a $100k growth, but I’ve also been posting annual updates since the beginning. Same thing as usual, just staying consistent with buying index funds and working full-time. I also gave up on the idea of buying a home and dumped my down payment cash into my Taxable Brokerage and will continue to rent. 

Lifestyle has stayed the same. I’m enjoying life experiences and am eating good food while the income and investment growth is becoming larger than I could’ve imagined. I can’t even fathom how this growth will continue over the following years. 

Here is the current financial breakdown:

\-----

Salary: $121,500

Checkings: $500 

HYSA: $26,000 (Emergency Savings)

401k: $162,850 (90% S&P 500, 10% VXUS) 

Roth IRA: $52,900 (80% VTI, 20% VXUS)

Taxable brokerage: $140,600 (80% VTI, 10% VXUS, 10% ind. stock picks) 

Crypto: $9,400 (60% ETH, 40% BTC)

HSA: $7,800 (100% S&P 500)

\-------

ESTIMATED NET WORTH: $400,050

Thank you for taking the time to read, any advice would be greatly appreciated. Also feel free to AMA, thanks again :)

Hit $400k NW at 27 years old

Before cohabiting, how do you talk about finances without conflict? Plus: the global forces pushing up your coffee and tea bill. Why are your daily coffee, tea, or matcha drinks costing more? What financial conversations should you have with your partner before signing a lease together? Hosts Sean Pyles and Elizabeth Ayoola explore rising beverage costs and relationship money talks to help you understand how tariffs, inflation, and personal values affect your wallet. Joined by NerdWallet’s Anna Helhoski and editor Rick VanderKnyff, they begin with a discussion of global coffee and tea markets, with tips and insights on why tariffs and climate change are raising prices, how supply chains are shifting to new exporters, and what consumers can do to get their caffeine fix. Then, Sean and Elizabeth discuss how couples can navigate money conversations with each other before moving in together. They cover key issues like how to split expenses proportionally, why you need a personal emergency fund, and the importance of discussing debt, income, and financial values openly. Together they highlight strategies for handling conflict, aligning goals, and deciding whether (and when) to combine finances, to help couples set themselves up for financial and relational success. Survey: One in 10 Americans Would Never Date Someone with Credit Card Debt https://www.nerdwallet.com/article/finance/data-undateable-debt  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: rising coffee prices, tea prices rising, matcha shortage, matcha prices, tariffs on coffee, tariffs on tea, tariffs on matcha, climate change and coffee, climate change and tea, coffee inflation, tea inflation, rising coffee costs, why is tea expensive, matcha demand social media, U.S. coffee imports, Japan matcha exports, cost of Starbucks coffee, cost of matcha latte, moving in with partner finances, how to talk about money with a partner, financial conversations before moving in, splitting bills with partner, joint account vs separate accounts, sharing income with partner, debt in relationships, credit scores and renting, financial goals with partner, emergency fund before moving in, combining finances with a partner, money conflicts in relationships, high earner relationships, household expenses split, and moving expenses budgeting. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

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How to Talk Finances Before Cohabitating, and Why Coffee and Tea Prices Are Surging

These days, everyone is talking about high interest rates across the rich, developed world, while warning of eventual fiscal disaster. But we may have gotten an early glimpse of this anxiety in October 2022, when then-UK Prime Minister Liz Truss unveiled her mini-budget that spooked the gilt market. Well today, rates at the long end of the British yield curve are even higher. So what's going on? Why all this angst now about UK fiscal sustainability and the economy itself? In this episode, we speak with Liz Truss about what she learned during her brief time as the PM. She talks about the political reality of fiscal consolidation, and how difficult it is on both the tax and spending side. And we also discuss what her economic vision was really all about, had she not been forced from the position so quickly. In addition, we talk about the general state of politics, the media, and free speech in the UK. Only Bloomberg.com subscribers can get the Odd Lots newsletter in their inbox — now delivered every weekday — plus unlimited access to the site and app. Subscribe at bloomberg.com/subscriptions/oddlotsSee omnystudio.com/listener for privacy information.

These days, everyone is talking about high interest rates across the rich, developed world, while warning of eventual fiscal disaster. But we may have gotten an early glimpse of this anxiety in October 2022, when then-UK Prime Minister Liz Truss unveiled her mini-budget that spooked the gilt market. Well today, rates at the long end of the British yield curve are even higher. So what&#39;s going on? Why all this angst now about UK fiscal sustainability and the economy itself? In this episode, we speak with Liz Truss about what she learned during her brief time as the PM. She talks about the political reality of fiscal consolidation, and how difficult it is on both the tax and spending side. And we also discuss what her economic vision was really all about, had she not been forced from the position so quickly. In addition, we talk about the general state of politics, the media, and free speech in the UK. Only Bloomberg.com subscribers can get the Odd Lots newsletter in their inbox — now delivered every weekday — plus unlimited access to the site and app. Subscribe at <a href="https://www.bloomberg.com/subscriptions/oddlots?in_source&#61;oddlotspodcast" rel="nofollow">bloomberg.com/subscriptions/oddlots</a>See <a href="https://omnystudio.com/listener" rel="nofollow">omnystudio.com/listener</a> for privacy information.

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