Recent comments

nitestar95 t1_jego1cv wrote

I was running out of money, and had to sell my car to pay my tuition. One of the doctors found out, and gave me one of his old cars, so I didn't have to ride my motorcycle through the winter and wind up freezing my butt off, not to mention likely have an accident in the snow.

His generosity made a long term difference; once out of school, I have given away every car, instead of selling it or trading it in. As the time to get my new car got closer, I would carefully ask around to see who really needed one, but couldn't afford it. Oh, I'd ask if they 'won' a car, could they afford the upkeep and insurance, to make sure I wasn't causing a hardship on them. Once I was sure, I would just give them the keys, and the title. And tell them to transfer the title and do all the paperwork when they could.... and to pay it forward some day if they could, and help someone else that needed something that they didn't have.

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Kaz2329 t1_jego1bc wrote

Throw out trading options, cryptocurrency, and individual stocks. Mutual and index funds are where you should focus most of your effort. Real estate is good but often requires a lot of capital to get into so might not be until later in life.

In order of importance in my book 401k up to match, Roth IRA, max 401k, long term savings like a house and car down payments, and brokerage.

There are other accounts like has/hra but that depends on what kind of health insurance you have.

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erdtirdmans t1_jego17x wrote

Aight that's fair enough but then we're just black pilled with no way to pull out of the tailspin without somehow divesting from municipal government, which almost never happens. I still have hope that if we get people into the city that care about government working and demand something from it, we can turn it around

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