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How much do you save each month?

How much do you put into savings, 401(k), trading accounts, ...
mind-boggling wine sneaky criminal
  06/20/18
...
electric quadroon
  06/20/18
...
Trip crystalline circlehead
  06/21/18
8-10k, plus 50k at the end of the year
sable locale newt
  06/20/18
Annual salary?
Amethyst excitant principal's office
  06/20/18
JFC
mind-boggling wine sneaky criminal
  06/20/18
That's a nice chunk
Chocolate learning disabled giraffe
  06/20/18
If 401k counts then I guess like $2k. If not then almost ...
Tantric Silver Native Messiness
  06/20/18
Wtf
Crawly soul-stirring box office windowlicker
  06/20/18
?
Tantric Silver Native Messiness
  06/20/18
I thought you were lawyer making at least decent money
Crawly soul-stirring box office windowlicker
  06/20/18
I am I have a shitload of student loans still and I'm a prof...
Tantric Silver Native Messiness
  06/20/18
So you’ll be back to $0 around the time you’re getting shown...
Crawly soul-stirring box office windowlicker
  06/20/18
How do you save 24k into a 401k with an 18.5k limit? Employe...
Amethyst excitant principal's office
  06/20/18
Isnt it higher for marriedmos?
spruce stirring piazza
  06/20/18
Yes I'm counting match
Tantric Silver Native Messiness
  06/20/18
I save about 2,400 monthly, but I also spend way too much on...
Chocolate learning disabled giraffe
  06/20/18
About 25k/month until last month when I semi-retired
Comical Theatre Puppy
  06/20/18
What was your profession?
mind-boggling wine sneaky criminal
  06/20/18
whoring out my PhD as an expert witness and similar at obsce...
Comical Theatre Puppy
  06/20/18
180
Crawly soul-stirring box office windowlicker
  06/20/18
We are all whores and have our price Now that my asshole is...
Comical Theatre Puppy
  06/20/18
401k shouldn’t really be counted as savings I max out 401...
Garnet Hyperventilating Point
  06/20/18
About $2000-2500 a month. 401k is only like $600 a month (I ...
Sooty Lodge
  06/20/18
what’s your side gig (no doobs)?
Cracking splenetic crackhouse
  06/20/18
I have several. I do some independent editing work on books,...
Sooty Lodge
  06/20/18
Which quiz bowl company?
Glittery narrow-minded becky
  06/20/18
Not sure tbh, I just help with tournaments that a friend tel...
Sooty Lodge
  06/20/18
POWER!
Black stage
  06/20/18
Wtf, dont you make like 50k? So you’re a cheapmo
flickering mildly autistic international law enforcement agency old irish cottage
  06/20/18
I'm in contention for most aggressive cheapmo on XO.
Sooty Lodge
  06/20/18
about 5k need to step it up
Ungodly set crotch
  06/20/18
180, that's still probably better than 95% of the population...
mind-boggling wine sneaky criminal
  06/20/18
you need to fuck my ass, nigger
jet-lagged kitty cat
  06/20/18
...
metal station rigpig
  06/20/18
$0 every dollar u "save" represents time wasted sl...
Motley wagecucks
  06/20/18
...
jade resort electric furnace
  06/20/18
$4500/mo into work retirement accounts (not including wife,...
jet-lagged kitty cat
  06/20/18
Crypto's dead so, nothing
french godawful bbw
  06/20/18
Shit how do you guys save so much ...
Copper 180 Death Wish
  06/20/18
$6k
at-the-ready hall legend
  06/20/18
few gs per month. hopefully more once my kids are out of god...
Big aquamarine senate
  06/20/18
Like ~$25k/mo if you average it out. About $5k/mo in 401k.
salmon fluffy spot
  06/20/18
$5000 a month in your 401k? Limits are $18,500 for the entir...
magenta razzmatazz orchestra pit
  06/21/18
Cr lol
geriatric spectacular state french chef
  06/21/18
What is everybody saving for? I just see it as money left ov...
nighttime dopamine
  06/20/18
Car, house, potential joblessness, family crisis, health cri...
Sooty Lodge
  06/20/18
I have an HSA for “health crisis”, 401k for “retirement” and...
nighttime dopamine
  06/20/18
If you don't plan to marry or kidhave that's probably fine. ...
Sooty Lodge
  06/20/18
"I believe in accumulating experiences, not material go...
deranged shrine
  06/20/18
Saving so we don't have to fucking save anymore. All about ...
Ebony aromatic deer antler tanning salon
  06/20/18
I hate working. I'm saving and investing it in rental proper...
mind-boggling wine sneaky criminal
  06/20/18
I fucking hate working. Should be able to peace out by 50, m...
Histrionic insanely creepy bawdyhouse therapy
  06/20/18
Really sad that so much of XO hates their job. I'll almost c...
Sooty Lodge
  06/20/18
I would hate pretty much any job. At least this one pays ok,...
Histrionic insanely creepy bawdyhouse therapy
  06/20/18
$7.5-8K tax deferred each month. Probably another ~$2K ...
peach fortuitous meteor institution
  06/20/18
how do you save $8k/month tax deferred
sable locale newt
  06/20/18
$17K 401K or whatever the limit is. $35K profit sharing p...
peach fortuitous meteor institution
  06/20/18
lmao
Indecent tank sweet tailpipe
  06/20/18
...
french godawful bbw
  06/20/18
What? (millennial poa
lime corner pisswyrm
  06/20/18
...
Motley wagecucks
  06/20/18
none. if i have a positive balance before payday i must be s...
diverse bespoke trailer park milk
  06/20/18
avg more or less 15K
Puce Disrespectful Yarmulke
  06/20/18
I don't keep track, but probably $6-7k.
Drunken Lascivious Public Bath
  06/20/18
Around $2k which is almost unheard of among retail workers l...
cruel-hearted big-titted nibblets mood
  06/20/18
That's a lot for you bro. Well done.
Histrionic insanely creepy bawdyhouse therapy
  06/20/18
wtf, do you live in your car. how much can a grocery worker ...
aphrodisiac property jewess
  06/20/18
he’s a manager not a stock boy
Tan Idiot
  06/21/18
Jesus saves. Moses invests.
passionate seedy sandwich selfie
  06/21/18
-$2,500
passionate seedy sandwich selfie
  06/21/18
$25k on average.
bisexual judgmental psychic
  06/21/18


Poast new message in this thread



Reply Favorite

Date: June 20th, 2018 3:21 PM
Author: mind-boggling wine sneaky criminal

How much do you put into savings, 401(k), trading accounts, etc. each month?

I'm somewhere between $2k-$4k depending upon the month.



(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279512)



Reply Favorite

Date: June 20th, 2018 3:23 PM
Author: electric quadroon



(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279528)



Reply Favorite

Date: June 21st, 2018 11:44 AM
Author: Trip crystalline circlehead

Post removed by moderator for violating The Law of The Land.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36284225)



Reply Favorite

Date: June 20th, 2018 3:26 PM
Author: sable locale newt

8-10k, plus 50k at the end of the year

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279553)



Reply Favorite

Date: June 20th, 2018 3:29 PM
Author: Amethyst excitant principal's office

Annual salary?

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279572)



Reply Favorite

Date: June 20th, 2018 3:36 PM
Author: mind-boggling wine sneaky criminal

JFC

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279624)



Reply Favorite

Date: June 20th, 2018 3:38 PM
Author: Chocolate learning disabled giraffe

That's a nice chunk

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279643)



Reply Favorite

Date: June 20th, 2018 3:27 PM
Author: Tantric Silver Native Messiness

If 401k counts then I guess like $2k.

If not then almost nothing

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279559)



Reply Favorite

Date: June 20th, 2018 3:30 PM
Author: Crawly soul-stirring box office windowlicker

Wtf

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279576)



Reply Favorite

Date: June 20th, 2018 3:30 PM
Author: Tantric Silver Native Messiness

?

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279579)



Reply Favorite

Date: June 20th, 2018 3:32 PM
Author: Crawly soul-stirring box office windowlicker

I thought you were lawyer making at least decent money

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279599)



Reply Favorite

Date: June 20th, 2018 3:33 PM
Author: Tantric Silver Native Messiness

I am I have a shitload of student loans still and I'm a profligate spender

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279603)



Reply Favorite

Date: June 20th, 2018 3:38 PM
Author: Crawly soul-stirring box office windowlicker

So you’ll be back to $0 around the time you’re getting shown the door in biglaw

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279650)



Reply Favorite

Date: June 20th, 2018 3:47 PM
Author: Amethyst excitant principal's office

How do you save 24k into a 401k with an 18.5k limit? Employer match?

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279723)



Reply Favorite

Date: June 20th, 2018 4:15 PM
Author: spruce stirring piazza

Isnt it higher for marriedmos?

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279902)



Reply Favorite

Date: June 20th, 2018 4:43 PM
Author: Tantric Silver Native Messiness

Yes I'm counting match

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280068)



Reply Favorite

Date: June 20th, 2018 3:35 PM
Author: Chocolate learning disabled giraffe

I save about 2,400 monthly, but I also spend way too much on stupid shit like Starbucks and what not.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279620)



Reply Favorite

Date: June 20th, 2018 3:39 PM
Author: Comical Theatre Puppy

About 25k/month until last month when I semi-retired

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279657)



Reply Favorite

Date: June 20th, 2018 3:43 PM
Author: mind-boggling wine sneaky criminal

What was your profession?

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279689)



Reply Favorite

Date: June 20th, 2018 3:44 PM
Author: Comical Theatre Puppy

whoring out my PhD as an expert witness and similar at obscene rates towards the end

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279704)



Reply Favorite

Date: June 20th, 2018 3:50 PM
Author: Crawly soul-stirring box office windowlicker

180

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279741)



Reply Favorite

Date: June 20th, 2018 3:52 PM
Author: Comical Theatre Puppy

We are all whores and have our price

Now that my asshole is well and truly puckered I can do some things because they are good to do, not because of the check

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279760)



Reply Favorite

Date: June 20th, 2018 3:40 PM
Author: Garnet Hyperventilating Point

401k shouldn’t really be counted as savings

I max out 401k, then save about $2,000 after tax monthly, excluding bonus. I save or invest as much of bonus as possible. Last year, saved about $50K of bonus.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279672)



Reply Favorite

Date: June 20th, 2018 3:41 PM
Author: Sooty Lodge

About $2000-2500 a month. 401k is only like $600 a month (I just max out my match) and then the rest is post-tax savings and investments. Side-gig money probably adds another 15k or so over the course of a year.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279677)



Reply Favorite

Date: June 20th, 2018 4:48 PM
Author: Cracking splenetic crackhouse

what’s your side gig (no doobs)?

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280095)



Reply Favorite

Date: June 20th, 2018 5:17 PM
Author: Sooty Lodge

I have several. I do some independent editing work on books, I write questions and judge rounds for Quiz Bowl tournaments, and I help teach board games for the military. So far this year all side gigs combined have been worth about 15k, which is quite a bit for me.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280220)



Reply Favorite

Date: June 20th, 2018 5:56 PM
Author: Glittery narrow-minded becky

Which quiz bowl company?

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280511)



Reply Favorite

Date: June 20th, 2018 8:24 PM
Author: Sooty Lodge

Not sure tbh, I just help with tournaments that a friend tells me about. I didn't actually do Quiz Bowl.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281265)



Reply Favorite

Date: June 20th, 2018 8:23 PM
Author: Black stage

POWER!

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281261)



Reply Favorite

Date: June 20th, 2018 7:01 PM
Author: flickering mildly autistic international law enforcement agency old irish cottage

Wtf, dont you make like 50k? So you’re a cheapmo

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280883)



Reply Favorite

Date: June 20th, 2018 8:11 PM
Author: Sooty Lodge

I'm in contention for most aggressive cheapmo on XO.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281209)



Reply Favorite

Date: June 20th, 2018 3:49 PM
Author: Ungodly set crotch

about 5k

need to step it up

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279738)



Reply Favorite

Date: June 20th, 2018 4:12 PM
Author: mind-boggling wine sneaky criminal

180, that's still probably better than 95% of the population.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279884)



Reply Favorite

Date: June 20th, 2018 4:13 PM
Author: jet-lagged kitty cat

you need to fuck my ass, nigger

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279891)



Reply Favorite

Date: June 20th, 2018 4:34 PM
Author: metal station rigpig



(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280008)



Reply Favorite

Date: June 20th, 2018 3:54 PM
Author: Motley wagecucks

$0 every dollar u "save" represents time wasted slaving away that u didn't have to, for which u will never see any return

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279765)



Reply Favorite

Date: June 20th, 2018 4:34 PM
Author: jade resort electric furnace



(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280010)



Reply Favorite

Date: June 20th, 2018 3:56 PM
Author: jet-lagged kitty cat

$4500/mo into work retirement accounts (not including wife, who maxes out 401(k) and gets a match of around $8k/yr).

$11k/year backdoor roths (wife and me).

$1k/mo into a state bond fund.

$900/mo cash (but usually end up tappign into this so it winds up not really being savings).

$450/mo into a 529.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279779)



Reply Favorite

Date: June 20th, 2018 4:32 PM
Author: french godawful bbw

Crypto's dead so, nothing

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36279999)



Reply Favorite

Date: June 20th, 2018 4:43 PM
Author: Copper 180 Death Wish

Shit how do you guys save so much ...

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280061)



Reply Favorite

Date: June 20th, 2018 4:44 PM
Author: at-the-ready hall legend

$6k

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280070)



Reply Favorite

Date: June 20th, 2018 4:45 PM
Author: Big aquamarine senate

few gs per month. hopefully more once my kids are out of goddamn daycare.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280080)



Reply Favorite

Date: June 20th, 2018 4:45 PM
Author: salmon fluffy spot

Like ~$25k/mo if you average it out. About $5k/mo in 401k.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280083)



Reply Favorite

Date: June 21st, 2018 11:37 AM
Author: magenta razzmatazz orchestra pit

$5000 a month in your 401k? Limits are $18,500 for the entire year.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36284181)



Reply Favorite

Date: June 21st, 2018 11:43 AM
Author: geriatric spectacular state french chef

Cr lol

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36284218)



Reply Favorite

Date: June 20th, 2018 5:22 PM
Author: nighttime dopamine

What is everybody saving for? I just see it as money left over because there’s nothing for me to spend it on. I don’t have any illusions about it actually having value lol

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280256)



Reply Favorite

Date: June 20th, 2018 5:24 PM
Author: Sooty Lodge

Car, house, potential joblessness, family crisis, health crisis, general security, etc.

That said, I'm pretty similar, as I naturally just don't spend much money.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280271)



Reply Favorite

Date: June 20th, 2018 5:27 PM
Author: nighttime dopamine

I have an HSA for “health crisis”, 401k for “retirement” and then some ca$h that sits in my account. If I need to buy something I just charge it and pay it off. Idk what else there is really, home ownership seems flame.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280295)



Reply Favorite

Date: June 20th, 2018 5:32 PM
Author: Sooty Lodge

If you don't plan to marry or kidhave that's probably fine.

Also I frankly suspect I may be politically unemployable at some point so I hoard against that day.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280320)



Reply Favorite

Date: June 20th, 2018 5:34 PM
Author: deranged shrine

"I believe in accumulating experiences, not material goods", said the travelshrew.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280333)



Reply Favorite

Date: June 20th, 2018 5:39 PM
Author: Ebony aromatic deer antler tanning salon

Saving so we don't have to fucking save anymore. All about socking away cash when you're young so you can get compound interest brah.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280371)



Reply Favorite

Date: June 20th, 2018 7:16 PM
Author: mind-boggling wine sneaky criminal

I hate working. I'm saving and investing it in rental properties so I can stop being a lawyer one day.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280944)



Reply Favorite

Date: June 20th, 2018 8:31 PM
Author: Histrionic insanely creepy bawdyhouse therapy

I fucking hate working. Should be able to peace out by 50, maybe earlier.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281295)



Reply Favorite

Date: June 20th, 2018 8:32 PM
Author: Sooty Lodge

Really sad that so much of XO hates their job. I'll almost certainly never be rich but the fact I don't actively hate going into work is a huge boost to my life.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281302)



Reply Favorite

Date: June 20th, 2018 8:33 PM
Author: Histrionic insanely creepy bawdyhouse therapy

I would hate pretty much any job. At least this one pays ok, and I don't work insane hours like some of these guys. But yeah. And good for you.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281305)



Reply Favorite

Date: June 20th, 2018 5:26 PM
Author: peach fortuitous meteor institution

$7.5-8K tax deferred each month.

Probably another ~$2K after tax give or take each month.

Then $100-150K after tax end of the year depending on how I do.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280284)



Reply Favorite

Date: June 20th, 2018 5:37 PM
Author: sable locale newt

how do you save $8k/month tax deferred

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280353)



Reply Favorite

Date: June 20th, 2018 6:10 PM
Author: peach fortuitous meteor institution

$17K 401K or whatever the limit is.

$35K profit sharing plan (same as 401K)

$35-45K in defined benefits plan (shitty low risk forced investments)

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280605)



Reply Favorite

Date: June 20th, 2018 5:27 PM
Author: Indecent tank sweet tailpipe

lmao

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280288)



Reply Favorite

Date: June 20th, 2018 7:22 PM
Author: french godawful bbw



(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280974)



Reply Favorite

Date: June 20th, 2018 5:35 PM
Author: lime corner pisswyrm

What? (millennial poa

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280339)



Reply Favorite

Date: June 20th, 2018 5:56 PM
Author: Motley wagecucks



(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280503)



Reply Favorite

Date: June 20th, 2018 5:35 PM
Author: diverse bespoke trailer park milk

none. if i have a positive balance before payday i must be sick.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280341)



Reply Favorite

Date: June 20th, 2018 6:53 PM
Author: Puce Disrespectful Yarmulke

avg more or less 15K

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36280839)



Reply Favorite

Date: June 20th, 2018 8:26 PM
Author: Drunken Lascivious Public Bath

I don't keep track, but probably $6-7k.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281275)



Reply Favorite

Date: June 20th, 2018 8:29 PM
Author: cruel-hearted big-titted nibblets mood

Around $2k which is almost unheard of among retail workers like myself

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281285)



Reply Favorite

Date: June 20th, 2018 8:31 PM
Author: Histrionic insanely creepy bawdyhouse therapy

That's a lot for you bro. Well done.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281298)



Reply Favorite

Date: June 20th, 2018 8:33 PM
Author: aphrodisiac property jewess

wtf, do you live in your car. how much can a grocery worker have left after Seattle rent.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36281304)



Reply Favorite

Date: June 21st, 2018 11:34 AM
Author: Tan Idiot

he’s a manager not a stock boy

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36284156)



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Date: June 21st, 2018 11:33 AM
Author: passionate seedy sandwich selfie

Jesus saves. Moses invests.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36284150)



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Date: June 21st, 2018 11:40 AM
Author: passionate seedy sandwich selfie

-$2,500

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36284199)



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Date: June 21st, 2018 1:52 PM
Author: bisexual judgmental psychic

$25k on average.

(http://www.autoadmit.com/thread.php?thread_id=4006623&forum_id=2#36285092)