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How fucked am I financially be honest

40 $175k in 401k Government pension Salary about $...
disturbing foreskin
  06/27/25
Did you lose your job? Do you have any cash savings? D...
Twisted Tattoo
  06/27/25
No didn’t lose my job lol. It’s pretty secure go...
disturbing foreskin
  06/27/25
How much on the mortgage? Spouse/kids? Seems like you'...
Twisted Tattoo
  06/27/25
Dead honest about $375k left on the $500k house.
disturbing foreskin
  06/27/25
I mean, the spouse/kids question is really what matters. If...
Twisted Tattoo
  06/27/25
Wife is SAHM just easier with the kids than her making her p...
disturbing foreskin
  06/27/25
youre not fucked at all until your divorce. your kids are ab...
magenta thriller mediation
  06/27/25
lol been with my wife for 20 years. We’re not getting ...
disturbing foreskin
  06/27/25
You have next to nothing to give them, and a leg up on other...
Citrine becky lettuce
  06/27/25
Oof. That seems rough, tbh.
Twisted Tattoo
  06/27/25
If he puts in enough years, he's fine on the pension. We're ...
Citrine becky lettuce
  06/27/25
What happens in that kind of role if you just start phoning ...
Fear-inspiring crimson hunting ground
  06/28/25
i fucking hate xo posters so motherfucking GOD DAMN MUCH YOU...
Flatulent orchestra pit
  06/27/25
🙀
transparent autistic laser beams
  06/28/25
lol, you're in the 1 percent at 40
Racy henna ape home
  06/27/25
...
Passionate mustard temple
  06/27/25
ran here to say what pm said above. your job is easily top 1...
magenta thriller mediation
  06/27/25
you say "100k in stocks" but then "laughable ...
chest-beating laughsome property
  06/27/25
You’re better off than me man. 70k in 401k 110k ...
Irate Rigpig
  06/27/25
Are you like 25?
Twisted Tattoo
  06/27/25
38. Just recently stated making this much money. Unless ...
Irate Rigpig
  06/27/25
Fed gov pension means you will though, right? Assuming the ...
Twisted Tattoo
  06/27/25
Honestly it won’t. I used to worry about this, if this...
disturbing foreskin
  06/27/25
Im gay
bateful school cafeteria son of senegal
  06/27/25
Fucked due to your Judaic neuroticism
soul-stirring bearded dragon stead
  06/27/25
MFCR
Flatulent orchestra pit
  06/27/25
With a pension you don’t need any savings. Your pensio...
Aphrodisiac honey-headed stage stock car
  06/27/25
Thanks 🙏
disturbing foreskin
  06/27/25
...
Irate Rigpig
  06/27/25
just make sure you buy good life insurance for your family i...
Doobsian Charismatic Theater Stage
  06/27/25
You don't put anything into a pension. It's not like you can...
motley church building gunner
  06/27/25
Yeah wtf is this guy talking about lmao. I pay like 2% of my...
disturbing foreskin
  06/27/25
1. actually you do put a lot of money into it, though you're...
Doobsian Charismatic Theater Stage
  06/27/25
How much do you owe on the home? If your savings suck becau...
blue bbw meetinghouse
  06/27/25
seems fine
violent lilac public bath wrinkle
  06/27/25
You seem fine tbh. Are you supporting a decent sized family?...
Massive naked national
  06/27/25
How does one get in such a shit position lmfao
Abnormal Sneaky Criminal Den
  06/28/25
Earning 200k and having a 500k house is awesome and you shou...
Spruce Flirting Forum
  06/28/25
Zero daycare. Our district has universal pre k
disturbing foreskin
  06/28/25


Poast new message in this thread



Reply Favorite

Date: June 27th, 2025 3:53 PM
Author: disturbing foreskin

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.

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054536)



Reply Favorite

Date: June 27th, 2025 3:54 PM
Author: Twisted Tattoo

Did you lose your job?

Do you have any cash savings?

Do you have any debt?

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054540)



Reply Favorite

Date: June 27th, 2025 3:57 PM
Author: disturbing foreskin

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.

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054551)



Reply Favorite

Date: June 27th, 2025 3:58 PM
Author: Twisted Tattoo

How much on the mortgage?

Spouse/kids?

Seems like you're generally fine.

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054557)



Reply Favorite

Date: June 27th, 2025 3:59 PM
Author: disturbing foreskin

Dead honest about $375k left on the $500k house.

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054561)



Reply Favorite

Date: June 27th, 2025 4:03 PM
Author: Twisted Tattoo

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)



Reply Favorite

Date: June 27th, 2025 4:14 PM
Author: disturbing foreskin

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.

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054601)



Reply Favorite

Date: June 27th, 2025 4:16 PM
Author: magenta thriller mediation

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)



Reply Favorite

Date: June 27th, 2025 4:17 PM
Author: disturbing foreskin

lol been with my wife for 20 years. We’re not getting divorced.

How are kids fucked?

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054614)



Reply Favorite

Date: June 27th, 2025 5:31 PM
Author: Citrine becky lettuce

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)



Reply Favorite

Date: June 27th, 2025 4:57 PM
Author: Twisted Tattoo

Oof. That seems rough, tbh.

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054701)



Reply Favorite

Date: June 27th, 2025 5:33 PM
Author: Citrine becky lettuce

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

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054774)



Reply Favorite

Date: June 28th, 2025 10:18 AM
Author: Fear-inspiring crimson hunting ground

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)



Reply Favorite

Date: June 27th, 2025 3:55 PM
Author: Flatulent orchestra pit

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)



Reply Favorite

Date: June 28th, 2025 12:58 PM
Author: transparent autistic laser beams

🙀

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49056241)



Reply Favorite

Date: June 27th, 2025 3:57 PM
Author: Racy henna ape home

lol, you're in the 1 percent at 40

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054549)



Reply Favorite

Date: June 27th, 2025 4:00 PM
Author: Passionate mustard temple



(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054562)



Reply Favorite

Date: June 27th, 2025 3:59 PM
Author: magenta thriller mediation

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)



Reply Favorite

Date: June 27th, 2025 4:01 PM
Author: chest-beating laughsome property

you say "100k in stocks" but then "laughable savings"

which is it

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054568)



Reply Favorite

Date: June 27th, 2025 4:02 PM
Author: Irate Rigpig

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.



(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054574)



Reply Favorite

Date: June 27th, 2025 4:04 PM
Author: Twisted Tattoo

Are you like 25?

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054581)



Reply Favorite

Date: June 27th, 2025 4:07 PM
Author: Irate Rigpig

38. Just recently stated making this much money.

Unless I get lucky with crypto, will prob never be able to retire.

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054588)



Reply Favorite

Date: June 27th, 2025 4:57 PM
Author: Twisted Tattoo

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)



Reply Favorite

Date: June 27th, 2025 5:41 PM
Author: disturbing foreskin

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)



Reply Favorite

Date: June 27th, 2025 4:04 PM
Author: bateful school cafeteria son of senegal

Im gay

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054582)



Reply Favorite

Date: June 27th, 2025 4:05 PM
Author: soul-stirring bearded dragon stead

Fucked due to your Judaic neuroticism

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054583)



Reply Favorite

Date: June 27th, 2025 4:06 PM
Author: Flatulent orchestra pit

MFCR

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054587)



Reply Favorite

Date: June 27th, 2025 4:16 PM
Author: Aphrodisiac honey-headed stage stock car

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)



Reply Favorite

Date: June 27th, 2025 4:17 PM
Author: disturbing foreskin

Thanks 🙏

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054615)



Reply Favorite

Date: June 27th, 2025 4:19 PM
Author: Irate Rigpig



(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054616)



Reply Favorite

Date: June 27th, 2025 5:00 PM
Author: Doobsian Charismatic Theater Stage

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)



Reply Favorite

Date: June 27th, 2025 5:24 PM
Author: motley church building gunner

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)



Reply Favorite

Date: June 27th, 2025 5:40 PM
Author: disturbing foreskin

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)



Reply Favorite

Date: June 27th, 2025 10:59 PM
Author: Doobsian Charismatic Theater Stage

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)



Reply Favorite

Date: June 27th, 2025 5:33 PM
Author: blue bbw meetinghouse

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?

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49054773)



Reply Favorite

Date: June 27th, 2025 9:13 PM
Author: violent lilac public bath wrinkle

seems fine

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49055231)



Reply Favorite

Date: June 27th, 2025 11:04 PM
Author: Massive naked national

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)



Reply Favorite

Date: June 28th, 2025 10:20 AM
Author: Abnormal Sneaky Criminal Den

How does one get in such a shit position lmfao

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49055971)



Reply Favorite

Date: June 28th, 2025 2:10 PM
Author: Spruce Flirting Forum

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)



Reply Favorite

Date: June 28th, 2025 4:16 PM
Author: disturbing foreskin

Zero daycare.

Our district has universal pre k

(http://www.autoadmit.com/thread.php?thread_id=5743867&forum_id=2#49056555)