DFD

razr390 wrote: ↑Tue Apr 06, 2021 1:16 pm

SAWCE wrote: ↑Tue Apr 06, 2021 12:32 pm
Yeah they give us a 6% match. Just bumped my contribution to 12%, so I’m at 18% total.

I get your strategy, but at this point I don’t need cash on hand and would rather have it earning me money for the future and reducing my current tax liability.

Oh no I wish I could add more to the 401k but with rn need some cash on hand too. But I do the bare minimum just to get that free 4%

I’m sure I’ll have to lower my contribution amount in the future, but might as well stack what I can in there while I can.

Made it to Charlotte around 7am this morning in the mini bang bus

CaleDeRoo wrote: ↑Tue Apr 06, 2021 1:43 pm Made it to Charlotte around 7am this morning in the mini bang bus

Pornhub uploads going on now then I guess?

Gonna do a little lunch break nap.

razr390 wrote: ↑Tue Apr 06, 2021 12:24 pm

SAWCE wrote: ↑Tue Apr 06, 2021 11:41 am Bumped my 401k contribution up by 2%. Pretty much eats the whole raise, and will probably leave me with an extra $10 or so in my weekly check.

Need to get that 401k maxed out so that future raises go straight to my pocket, or other investment vehicles like IRAs.

Does your employer match? At this stage in my life I don’t do more than the full match that my company does. It’s 4% for me and they throw in 4% on their end. Free money so it’s worth it.

what you mean by this exactly... the younger you are, the more you should be putting in really. That said, I know it can be quite a challenge in the younger years not necessarily making a ton of money and having other things to worry about.

I did the minimum to get the match from like 22-26, about 2X that from 26-29, and since then just do the max the .gov will allow.

razr390 wrote: ↑Tue Apr 06, 2021 1:16 pm

SAWCE wrote: ↑Tue Apr 06, 2021 12:32 pm
Yeah they give us a 6% match. Just bumped my contribution to 12%, so I’m at 18% total.

I get your strategy, but at this point I don’t need cash on hand and would rather have it earning me money for the future and reducing my current tax liability.

Oh no I wish I could add more to the 401k but with rn need some cash on hand too. But I do the bare minimum just to get that free 4%

Oh, you answered my question

Smart though to at least get the match, even if it's a stretch at time. Not taking 4% of your pay would be dumb, I'm that people don't do that.

Btw in case you guys don't know... say you contribute 19k and your employeer matches another 10k. You can contribute more than the gov limit of 19.

D Griff wrote: ↑Tue Apr 06, 2021 2:12 pm

razr390 wrote: ↑Tue Apr 06, 2021 12:24 pm
Does your employer match? At this stage in my life I don’t do more than the full match that my company does. It’s 4% for me and they throw in 4% on their end. Free money so it’s worth it.

what you mean by this exactly... the younger you are, the more you should be putting in really. That said, I know it can be quite a challenge in the younger years not necessarily making a ton of money and having other things to worry about.

I did the minimum to get the match from like 22-26, about 2X that from 26-29, and since then just do the max the .gov will allow.

Easier said than done broski. I have a one income household with a as well. Most people don’t even do 401k. So if I’m banking 8% I’ll be okay.

D Griff wrote: ↑Tue Apr 06, 2021 2:13 pm

razr390 wrote: ↑Tue Apr 06, 2021 1:16 pm
Oh no I wish I could add more to the 401k but with rn need some cash on hand too. But I do the bare minimum just to get that free 4%

Oh, you answered my question

Smart though to at least get the match, even if it's a stretch at time. Not taking 4% of your pay would be dumb, I'm that people don't do that.

I replied to your first post without realizing you replied this.

max225 wrote: ↑Tue Apr 06, 2021 2:58 pm Btw in case you guys don't know... say you contribute 19k and your employeer matches another 10k. You can contribute more than the gov limit of 19.

Yep. Only your contributions count towards the limit. So my goal is to hit the $19.5k myself eventually, and be getting my company’s 6% on top of that

Been adding baby Bella mushrooms to one of my meals. Thoughts I’d try mixing it up with some shiitake mushrooms this week. Nope. This flavor is not for me. 2/7.

max225 wrote: ↑Tue Apr 06, 2021 2:58 pm Btw in case you guys don't know... say you contribute 19k and your employeer matches another 10k. You can contribute more than the gov limit of 19.

thats exactly opposite of what I've read and been told.

https://www.investopedia.com/ask/answer ... k-plan.asp

TIL max is correct.

wap wrote: ↑Mon Apr 05, 2021 8:56 pm

max225 wrote: ↑Mon Apr 05, 2021 8:52 pm

Honestly millennials are old now. Usually the gens older than millennials that bitch about “millennials” are actually bitching about Gen Z. The generation that doesn’t know life without a phone

I was in my 40's when I got my first smart phone.

My first phone was a flipphone too, but once I started college, basically every 16 year old first phone is an iphone or a smartphone. I will have to say that I am the first generation of teens that have a smartphone

CaleDeRoo wrote: ↑Tue Apr 06, 2021 1:43 pm Made it to Charlotte around 7am this morning in the mini bang bus

In4beer dock with mah griff.

razr390 wrote: ↑Tue Apr 06, 2021 1:23 pmSuh

A suh dude

Apex wrote: ↑Tue Apr 06, 2021 9:54 am Boss forwarded me an email where a customer called me “a tremendous resource” and I can only read it in Trumps voice.

not gonna lie, I have read tremendous in voice too without reading the trumps voice in your post

MexicanYarisTK wrote: ↑Tue Apr 06, 2021 3:24 pm

CaleDeRoo wrote: ↑Tue Apr 06, 2021 1:43 pm Made it to Charlotte around 7am this morning in the mini bang bus

In4beer dock with mah griff.

Probably next week at the soonest.

max225 wrote: ↑Mon Apr 05, 2021 8:52 pm

wap wrote: ↑Mon Apr 05, 2021 5:14 pm

So Gen Z is worse than
I really don't know.

Honestly millennials are old now. Usually the gens older than millennials that bitch about “millennials” are actually bitching about Gen Z. The generation that doesn’t know life without a phone

I think it's a matter of how we're used to know the values and norms or perhaps whats "cool" compared to the upcoming generation, where the stuff already exists are somehow grew upon them. They'll never know what it's like to play snake off of your parents Nokia. From my experience, holding a decent convo (I'm talking born in 2005-2013 ish) are pretty much awkward and I felt like I live under a rock at times too, except if they have knowledge on similar things as me and keep that as a subject, it's

Now anyone born post 2013 (known as the alpha sub-gen or whatever it is maybe) would pretty much fuck over the gen z. I can definitely tell based of my almost 3 year old cousin. When she's just 1.5 years old, mom hands over the phone and presses skip commercials on youtube the second it pops up. Not only that, in turkey we use whatsapp way more than regular text and she voiced messaged herself from her moms phone to me. Another example is one of my friends 7 year old niece who I really got along with more than 70% I've interacted with. She's super smart and I felt like I was talking to a friend with the same age as me, it was I couldn't imagine myself to be like that if I was 7.

CaleDeRoo wrote: ↑Tue Apr 06, 2021 3:34 pm

MexicanYarisTK wrote: ↑Tue Apr 06, 2021 3:24 pm

In4beer dock with mah griff.

Probably next week at the soonest.

Two date

max225 wrote: ↑Tue Apr 06, 2021 2:58 pm Btw in case you guys don't know... say you contribute 19k and your employeer matches another 10k. You can contribute more than the gov limit of 19.

I shoot to put the full ~$19K in personally + 5% from my employer. It is a bit different with commissions , I have to adjust the percents from time to time, last year I fell a little short of the full amount due to commission taking a dump, this year I think I need to lower it a tad to get it in line.

CaleDeRoo wrote: ↑Tue Apr 06, 2021 1:43 pm Made it to Charlotte around 7am this morning in the mini bang bus

Welcome,

How are the cars getting down here?

actual rape van/Bang Bus in the background.

D Griff wrote: ↑Tue Apr 06, 2021 3:52 pm

CaleDeRoo wrote: ↑Tue Apr 06, 2021 1:43 pm Made it to Charlotte around 7am this morning in the mini bang bus

Welcome,

How are the cars getting down here?

actual rape van/Bang Bus in the background.

Returning the Van to NY Thursday, and driving the BEATR down. Will fly up for the poorvette eventually.

CaleDeRoo wrote: ↑Tue Apr 06, 2021 4:15 pm

D Griff wrote: ↑Tue Apr 06, 2021 3:52 pm

Welcome,

How are the cars getting down here?

actual rape van/Bang Bus in the background.

Returning the Van to NY Thursday, and driving the BEATR down. Will fly up for the poorvette eventually.

Is the making an appearance as well?

D Griff wrote: ↑Tue Apr 06, 2021 6:10 pm

CaleDeRoo wrote: ↑Tue Apr 06, 2021 4:15 pm

Returning the Van to NY Thursday, and driving the BEATR down. Will fly up for the poorvette eventually.

Is the making an appearance as well?

is making an appearance on FB marketplace

I have no desire to own it anymore.

[user not found] wrote: ↑Tue Apr 06, 2021 7:07 pm

Apex wrote: ↑Tue Apr 06, 2021 9:54 am Boss forwarded me an email where a customer called me “a tremendous resource” and I can only read it in Trumps voice.

Absolutely tremendous, I guarantee it.

I have a sudden urge to buy a suit.