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How fucked am I financially be honest
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Date: June 27th, 2025 3:53 PM Author: Ocher crackhouse private investor 40
$175k in 401k
Government pension
Salary about $200k
$500k home.
$100k in stocks
Laughable savings but I’m fine to live.
Completely depressed but I want people to speak honestly to me. |
Date: June 27th, 2025 3:54 PM Author: Awkward pearl community account Did you lose your job?
Do you have any cash savings?
Do you have any debt? |
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Date: June 27th, 2025 3:57 PM Author: Ocher crackhouse private investor No didn’t lose my job lol. It’s pretty secure gov lawyer. I have a pretty high position that I really can’t get fired. Just a lot of stress bc of the level I’m at but it’s meaningless work and no one really cares.
Savings is complete shit but I could lose my job and live for a year I guess.
Zero debt except for mortgage. Cars paid off. |
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Date: June 27th, 2025 3:58 PM Author: Awkward pearl community account How much on the mortgage?
Spouse/kids?
Seems like you're generally fine. |
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Date: June 27th, 2025 3:59 PM Author: Ocher crackhouse private investor Dead honest about $375k left on the $500k house. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054561) |
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Date: June 27th, 2025 4:03 PM Author: Awkward pearl community account I mean, the spouse/kids question is really what matters. If you're single and always will be then that's fine. If you have kids and a spouse that doesn't significantly change the numbers then that's tough for sure. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054576) |
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Date: June 27th, 2025 4:14 PM Author: Ocher crackhouse private investor Wife is SAHM just easier with the kids than her making her pre-kids shit salary. Benefits though is amazing school district and universal pre-K so no money on daycare.
And no basketball trophies in the HS lobby. |
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Date: June 27th, 2025 4:16 PM Author: Overrated police squad trailer park youre not fucked at all until your divorce. your kids are absolutely fucked for life. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054610) |
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Date: June 27th, 2025 4:17 PM Author: Ocher crackhouse private investor lol been with my wife for 20 years. We’re not getting divorced.
How are kids fucked? |
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Date: June 27th, 2025 5:31 PM Author: laughsome flushed psychic You have next to nothing to give them, and a leg up on others is increasingly important to make it. Soon, it will be virtually impossible without one (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054767) |
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Date: June 27th, 2025 4:57 PM Author: Awkward pearl community account Oof. That seems rough, tbh. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054701) |
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Date: June 27th, 2025 5:33 PM Author: laughsome flushed psychic If he puts in enough years, he's fine on the pension. We're all paying at that point to retire him out
That's worth an obligatory "fuck you, you deadbeat piece of shit" to the op, but it's more the ones who made the game who are at fault than the small fry playing it |
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Date: June 28th, 2025 10:18 AM Author: razzle sooty national security agency business firm What happens in that kind of role if you just start phoning it in? Get reassigned to a line attorney role? (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49055966) |
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Date: June 27th, 2025 3:55 PM Author: Autistic cruise ship i fucking hate xo posters so motherfucking GOD DAMN MUCH YOU SHOULD DIE IRL AND NOT BECAUSE YOUR RETIREMENT FUND IS INADEQUATE (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054545) |
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Date: June 28th, 2025 12:58 PM Author: Spectacular salmon pervert casino 🙀 (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49056241) |
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Date: June 27th, 2025 3:57 PM Author: diverse sneaky criminal main people lol, you're in the 1 percent at 40 (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054549) |
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Date: June 27th, 2025 4:00 PM Author: idiotic bat shit crazy abode (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054562) |
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Date: June 27th, 2025 3:59 PM Author: Overrated police squad trailer park ran here to say what pm said above. your job is easily top 1%. fedgov is the cushiest shit imaginable. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054560) |
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Date: June 27th, 2025 4:01 PM Author: rough-skinned marvelous scourge upon the earth you say "100k in stocks" but then "laughable savings"
which is it |
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Date: June 27th, 2025 4:02 PM Author: Magical exciting rigor foreskin You’re better off than me man.
70k in 401k 110k in crypto. Lot of this was from SOL, Link, couple meme coins 40k in savings
Married with kid and live in NYC. Make 180k per year.
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Date: June 27th, 2025 4:04 PM Author: Awkward pearl community account Are you like 25? (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054581) |
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Date: June 27th, 2025 4:07 PM Author: Magical exciting rigor foreskin 38. Just recently stated making this much money.
Unless I get lucky with crypto, will prob never be able to retire. |
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Date: June 27th, 2025 4:57 PM Author: Awkward pearl community account Fed gov pension means you will though, right? Assuming the whole thing doesn't implode which it really might. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054702) |
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Date: June 27th, 2025 5:41 PM Author: Ocher crackhouse private investor Honestly it won’t. I used to worry about this, if this happens the world has bigger problems (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054791) |
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Date: June 27th, 2025 4:04 PM Author: well-lubricated market Im gay (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054582) |
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Date: June 27th, 2025 4:05 PM Author: Azure yapping property telephone Fucked due to your Judaic neuroticism (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054583) |
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Date: June 27th, 2025 4:06 PM Author: Autistic cruise ship MFCR (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054587) |
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Date: June 27th, 2025 4:16 PM Author: insanely creepy drunken hell headpube With a pension you don’t need any savings. Your pension is probably worth $5 million to give you whatever returns it’s going to give you in retirement. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054612) |
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Date: June 27th, 2025 4:17 PM Author: Ocher crackhouse private investor Thanks 🙏 (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054615) |
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Date: June 27th, 2025 4:19 PM Author: Magical exciting rigor foreskin (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054616) |
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Date: June 27th, 2025 5:00 PM Author: dashing light wagecucks just make sure you buy good life insurance for your family in case you unexpectedly kick it. pensions depend on people dying before they collect what they put in. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054709) |
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Date: June 27th, 2025 5:24 PM Author: ivory institution You don't put anything into a pension. It's not like you can opt out. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054747) |
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Date: June 27th, 2025 5:40 PM Author: Ocher crackhouse private investor Yeah wtf is this guy talking about lmao. I pay like 2% of my check forever into the pension for a lifetime of almost 75% of my salary (after you factor other extras in). (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054790) |
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Date: June 27th, 2025 10:59 PM Author: dashing light wagecucks 1. actually you do put a lot of money into it, though you're right you can't opt out so i guess in a sense you're not spending it, but more importantly 2. this was in response to the not uncommon comment that pensionmos can just blow their paychecks. that math only works out if you live long enough to benefit from the pension. yeah, if you live to 95, you're going to make a ton of money so why bother saving while you're working. but if you have a heart attack the year after you retire, you made nothing and saved nothing and your family is fucked. so if you're going to ball out pre-retirement make sure you get a nice life insurance policy, because plenty of people drop dead before they reap the rewards. that's part the way they stay solvent. a pension is deferred income, you need to hedge it. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49055406) |
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Date: June 27th, 2025 5:33 PM Author: Hyperactive Razzle-dazzle Famous Landscape Painting Church How much do you owe on the home? If your savings suck because you paid it down very quickly, you really need to reflect on how to run your life’s balance sheet.
Kids & college savings? Or can you accelerate the savings from here? |
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Date: June 27th, 2025 9:13 PM Author: Cracking brethren candlestick maker seems fine (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49055231) |
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Date: June 27th, 2025 11:04 PM Author: blathering indian lodge fat ankles You seem fine tbh. Are you supporting a decent sized family? I tell you what I’d be balling out of control if it weren’t for my family siphoning off every red cent. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49055412) |
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Date: June 28th, 2025 10:20 AM Author: Wine Garrison How does one get in such a shit position lmfao (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49055971) |
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Date: June 28th, 2025 2:10 PM Author: Abusive Chad Earning 200k and having a 500k house is awesome and you should generally feel rich as fuck, especially after you stop paying for daycare. This was me 5 years ago just as Covid started and it’s easily the most financially secure I’ve felt in my entire adult life just in time for Covid to give the economy incurable AIDS. (http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49056352) |
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Date: June 28th, 2025 4:16 PM Author: Ocher crackhouse private investor Zero daycare. Our district has universal pre k |