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RATE my finances. 30 years old

205K assets, 40K debt, JD 100K in checking 40K in retire...
fuchsia racy ceo
  02/27/21
Wait do you mean 3.6% student loan debt?
beady-eyed office
  02/27/21
no 0.36% it's a variable refi i just checked
fuchsia racy ceo
  02/27/21
(It is 2001)
tripping crimson locus
  02/27/21
What the fuck?
beady-eyed office
  02/27/21
Wow, you can make more in a checking account.
Ruddy slap-happy lay
  02/27/21
no you can't my "high yield" savings is 0.05%. but...
fuchsia racy ceo
  02/27/21
Open a Marcus account brother
Charismatic Institution Newt
  02/28/21
just looked up a few that offer 0.50%. I'd like to get my mo...
fuchsia racy ceo
  02/28/21
You should just have one to park your cash. You will be ha...
Charismatic Institution Newt
  02/28/21
Live oak bank pays 0.6%
deep sex offender
  02/28/21
Why do you need $100k in checking? Are you a risk-averse ...
glittery mental disorder
  02/27/21
...
saffron brunch
  02/27/21
I just got $70K as a bonus a couple weeks ago. I am scared o...
fuchsia racy ceo
  02/27/21
Walgreens idea is a home run. You should do that.
glittery mental disorder
  02/27/21
Not bad. Biglaw? If your income is high, clear out the debt ...
cerebral spruce step-uncle's house candlestick maker
  02/27/21
nocoiner? lol
rose athletic conference
  02/27/21
cr
fuchsia racy ceo
  02/27/21
...
Passionate Tantric State Voyeur
  02/28/21
F
scarlet misunderstood affirmative action plaza
  02/27/21
wtf
fuchsia racy ceo
  02/28/21
20k savings rate is ridiculous, there are online savings acc...
Talking multi-colored halford
  02/28/21
I thought this read fiance
Internet-worthy ultramarine electric furnace
  02/28/21
7/10
Crawly Irradiated Goyim
  02/28/21
basically same age and net worth. 180
Useless Hot Menage
  02/28/21
nice 180. are you IN law?
fuchsia racy ceo
  02/28/21
Not very good but could be worse. Cr that you're living with...
iridescent dilemma
  02/28/21
163
Electric transparent place of business
  02/28/21
Same age and same position brother. 250k in cash/investments...
Talented godawful garrison water buffalo
  02/28/21
Sounds like you have $100K more in assets than me but ty bro...
fuchsia racy ceo
  02/28/21
whats your inheritance? is your wife a high end surgeon and/...
180 nubile resort
  02/28/21


Poast new message in this thread



Reply Favorite

Date: February 27th, 2021 11:09 PM
Author: fuchsia racy ceo

205K assets, 40K debt, JD

100K in checking

40K in retirement accounts (30K vested, 10K vests in 18 months)

45K in VOO

20K in "high-yield" savings (0.05% interest, lol)

40K student loan debt 0.36% and 3 years of term left

No car. Live with my mom since WFH started in march

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021253)



Reply Favorite

Date: February 27th, 2021 11:11 PM
Author: beady-eyed office

Wait do you mean 3.6% student loan debt?

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021257)



Reply Favorite

Date: February 27th, 2021 11:12 PM
Author: fuchsia racy ceo

no 0.36% it's a variable refi i just checked

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021258)



Reply Favorite

Date: February 27th, 2021 11:12 PM
Author: tripping crimson locus

(It is 2001)

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021265)



Reply Favorite

Date: February 27th, 2021 11:14 PM
Author: beady-eyed office

What the fuck?

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021276)



Reply Favorite

Date: February 27th, 2021 11:17 PM
Author: Ruddy slap-happy lay

Wow, you can make more in a checking account.

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021287)



Reply Favorite

Date: February 27th, 2021 11:19 PM
Author: fuchsia racy ceo

no you can't my "high yield" savings is 0.05%. but the interest is worth the flexibility alone

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021292)



Reply Favorite

Date: February 28th, 2021 12:06 AM
Author: Charismatic Institution Newt

Open a Marcus account brother

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021461)



Reply Favorite

Date: February 28th, 2021 12:09 AM
Author: fuchsia racy ceo

just looked up a few that offer 0.50%. I'd like to get my money into something with a little more upside over the next couple months so I'm not worried about capturing the spread on this.

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021468)



Reply Favorite

Date: February 28th, 2021 11:02 AM
Author: Charismatic Institution Newt

You should just have one to park your cash. You will be having cash coming in and out every year and sometimes it will take longer than you expect to invest it

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42022537)



Reply Favorite

Date: February 28th, 2021 10:53 AM
Author: deep sex offender

Live oak bank pays 0.6%

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42022513)



Reply Favorite

Date: February 27th, 2021 11:12 PM
Author: glittery mental disorder

Why do you need $100k in checking?

Are you a risk-averse cuck?

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021262)



Reply Favorite

Date: February 27th, 2021 11:16 PM
Author: saffron brunch



(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021282)



Reply Favorite

Date: February 27th, 2021 11:17 PM
Author: fuchsia racy ceo

I just got $70K as a bonus a couple weeks ago. I am scared of dumping it into the market right now. Want to maybe buy some real estate--I'm looking into that now (can maybe get a couple buddies to contribute to buy a Walgreens or something)

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021284)



Reply Favorite

Date: February 27th, 2021 11:19 PM
Author: glittery mental disorder

Walgreens idea is a home run. You should do that.

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021291)



Reply Favorite

Date: February 27th, 2021 11:23 PM
Author: cerebral spruce step-uncle's house candlestick maker

Not bad. Biglaw? If your income is high, clear out the debt and start saving like crazy the next five years and you’ll be in a good position going into middle age.

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021305)



Reply Favorite

Date: February 27th, 2021 11:25 PM
Author: rose athletic conference

nocoiner? lol

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021326)



Reply Favorite

Date: February 27th, 2021 11:31 PM
Author: fuchsia racy ceo

cr

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021351)



Reply Favorite

Date: February 28th, 2021 7:14 PM
Author: Passionate Tantric State Voyeur



(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42024899)



Reply Favorite

Date: February 27th, 2021 11:54 PM
Author: scarlet misunderstood affirmative action plaza

F

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021423)



Reply Favorite

Date: February 28th, 2021 12:01 AM
Author: fuchsia racy ceo

wtf

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021441)



Reply Favorite

Date: February 28th, 2021 12:02 AM
Author: Talking multi-colored halford

20k savings rate is ridiculous, there are online savings accounts paying 10x that.

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021443)



Reply Favorite

Date: February 28th, 2021 12:10 AM
Author: Internet-worthy ultramarine electric furnace

I thought this read fiance

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021471)



Reply Favorite

Date: February 28th, 2021 12:10 AM
Author: Crawly Irradiated Goyim

7/10

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021472)



Reply Favorite

Date: February 28th, 2021 12:11 AM
Author: Useless Hot Menage

basically same age and net worth. 180

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021475)



Reply Favorite

Date: February 28th, 2021 12:13 AM
Author: fuchsia racy ceo

nice 180. are you IN law?

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021479)



Reply Favorite

Date: February 28th, 2021 12:36 AM
Author: iridescent dilemma

Not very good but could be worse. Cr that you're living with your mom to save money

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021556)



Reply Favorite

Date: February 28th, 2021 12:39 AM
Author: Electric transparent place of business

163

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42021570)



Reply Favorite

Date: February 28th, 2021 10:50 AM
Author: Talented godawful garrison water buffalo

Same age and same position brother. 250k in cash/investments/retirement, 70k in lolschool debt (0.36% variable SOFI YNY). Have home with 80k equity though and a leased car. You are doing fine not flame.

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42022504)



Reply Favorite

Date: February 28th, 2021 7:08 PM
Author: fuchsia racy ceo

Sounds like you have $100K more in assets than me but ty brother.

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42024869)



Reply Favorite

Date: February 28th, 2021 7:12 PM
Author: 180 nubile resort

whats your inheritance? is your wife a high end surgeon and/or heiress?

(http://www.autoadmit.com/thread.php?thread_id=4776247&forum_id=2#42024888)