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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Old 12-23-2018, 11:26 AM   #2551
ChiliConCarnage ChiliConCarnage is offline
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Originally Posted by 'Hamas' Jenkins View Post
Agreed.
I hate debt; It feels like a huge weight youre under and stresses me a bit. From a strict numbers perspective it probably depends on the rates on your loans.

Either way, congrats. It's a lot of money to pay back but seems to have provided you with a great career.
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Old 12-23-2018, 11:29 AM   #2552
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Those fed loans are a real pain in the ass at 7.2 percent.

I went them a private bank and re did them once I had my office paid for and got the rate a lot lower.
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Old 12-23-2018, 02:13 PM   #2553
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Hamas, I’m no expert on this by any means but I was in a similar spot with loans and such.

I would recommend paying as much as you can towards the debt repayment as you can. Don’t forget about retirement obviously, but getting out from under that will help alot
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Originally Posted by DaFace View Post
Yeah, do what you need to do to get the company match, but beyond that, debt reduction is your main priority for the near term.
Congrats Hamas by the way.

And this is basically it. Don't pass up any free money so do the minimum contribution to get all the free money, so 5%.

After that, tackle debt. If you have any credit card debt, I'd start there. After that, work on the student loans and possibly refinancing them to a lower rate if you're able (not sure what you're paying).

I had $60k debt after my schooling so I only contributed 4-6% to my 401k (to get the entire free match) until I paid off my student loans last year. Now I do 12% to my 401k and it's barely noticeable out of my take-home with the loans now gone, even leaving money left over to contribute to a ROTH IRA each month.

Hopefully your employer offers cost effective index funds for your retirement plan. I am invested in only Index funds alone in my 401k (Large, small and foreign). Many companies finally offer low cost index funds, but there are still some hold-overs of employers who offer expensive and less than ideal retirement funds. Let us know your choices when you get that info.
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Old 12-24-2018, 12:31 PM   #2554
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Ugh. Definitely a Bear market.

I feel bad for the folks who are about to be retiring. Thank god my father retired just in time.
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Old 12-26-2018, 03:59 PM   #2555
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I wish every day could be like today.

If we had 26 straight days like today, I could retire at my current quality of life. If we has 40 straight days like today, I'd live a life of leisure and semi-luxury. If we had a year of days like this, I'd buy the Chiefs and make fun of Bill Gates' cheap wardrobe.
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Old 12-26-2018, 04:04 PM   #2556
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I wish every day could be like today.
This.

I just checked my Roth IRA account, and it's the biggest single day increase I've ever had!

Makes me feel better after getting hosed the past couple weeks.
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Old 12-26-2018, 06:05 PM   #2557
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Originally Posted by Rain Man View Post
I wish every day could be like today.

If we had 26 straight days like today, I could retire at my current quality of life. If we has 40 straight days like today, I'd live a life of leisure and semi-luxury. If we had a year of days like this, I'd buy the Chiefs and make fun of Bill Gates' cheap wardrobe.
Wouldn't that be great! and I could buy a bigger boat.
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Old 12-26-2018, 06:22 PM   #2558
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Congrats Hamas by the way.

And this is basically it. Don't pass up any free money so do the minimum contribution to get all the free money, so 5%.

After that, tackle debt. If you have any credit card debt, I'd start there. After that, work on the student loans and possibly refinancing them to a lower rate if you're able (not sure what you're paying).

I had $60k debt after my schooling so I only contributed 4-6% to my 401k (to get the entire free match) until I paid off my student loans last year. Now I do 12% to my 401k and it's barely noticeable out of my take-home with the loans now gone, even leaving money left over to contribute to a ROTH IRA each month.

Hopefully your employer offers cost effective index funds for your retirement plan. I am invested in only Index funds alone in my 401k (Large, small and foreign). Many companies finally offer low cost index funds, but there are still some hold-overs of employers who offer expensive and less than ideal retirement funds. Let us know your choices when you get that info.
You enjoy this and give pretty solid advice. Ever think of taking CPA classes and hanging up a shingle on the weekends as a CFP?
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Old 12-26-2018, 07:46 PM   #2559
lewdog lewdog is offline
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You enjoy this and give pretty solid advice. Ever think of taking CPA classes and hanging up a shingle on the weekends as a CFP?
Hey not a bad thought!

For now if I want to make extra money, I'm doing the hourly therapy gig at a different building if they need help. Since it's PRN work, the pay is very good and I just tell them how many hours I can help on that day. Like tomorrow I'll go down the road to a different facility for about 90 minutes of work after my normal job. For me right now, time is money, so if I am going to do something outside of work, I want it to pay well.

But I do understand the thought of doing something totally unrelated for a second job and how that can be rewarding as well. You never know what the future may bring!
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Old 12-26-2018, 10:44 PM   #2560
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Originally Posted by scho63 View Post
You enjoy this and give pretty solid advice. Ever think of taking CPA classes and hanging up a shingle on the weekends as a CFP?
FWIW, CPA and CFP have virtually nothing to do with each other.

CPA = Certified Public Accountant
CFP = Certified Financial Planner

The similarities end with requiring certification and continuing education, the similarities pretty much end there.

Becoming a full on CFP would be a massive undertaking. Meaning He would have to take a ****load of courses, the exam, and work under a CFP for a really long time.

This would be a full on career change.

That being said, many "financial planners" aren't certified. Most ****nuts Series 5, 6, or 7 certifications so they can sell bullshit ass products for bullshit ass companies.

I don't know if there are any other certifications out there, but I wouldn't recommend going the full CFP route.

https://www.cfp.net/become-a-cfp-pro...n-requirements
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Old 12-27-2018, 07:44 PM   #2561
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Originally Posted by Buehler445 View Post
FWIW, CPA and CFP have virtually nothing to do with each other.

CPA = Certified Public Accountant
CFP = Certified Financial Planner

The similarities end with requiring certification and continuing education, the similarities pretty much end there.

Becoming a full on CFP would be a massive undertaking. Meaning He would have to take a ****load of courses, the exam, and work under a CFP for a really long time.

This would be a full on career change.

That being said, many "financial planners" aren't certified. Most ****nuts Series 5, 6, or 7 certifications so they can sell bullshit ass products for bullshit ass companies.

I don't know if there are any other certifications out there, but I wouldn't recommend going the full CFP route.

https://www.cfp.net/become-a-cfp-pro...n-requirements
**** your man.

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Yea, no more school for me ever. Spent too many years there to go back for anything.
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Old 12-27-2018, 07:51 PM   #2562
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Old 01-02-2019, 08:38 PM   #2563
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Initiated my IRA transfer tonight. Thanks for the heads up Cook about Apple before I deposited. I might DCA in this year a bit.
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Old 01-02-2019, 08:48 PM   #2564
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Well, I ended that year down 5.8 percent. But before you laugh at me, I apparently beat the S&P 500.
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Old 01-02-2019, 09:21 PM   #2565
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Originally Posted by Buehler445 View Post
FWIW, CPA and CFP have virtually nothing to do with each other.

CPA = Certified Public Accountant
CFP = Certified Financial Planner

The similarities end with requiring certification and continuing education, the similarities pretty much end there.

Becoming a full on CFP would be a massive undertaking. Meaning He would have to take a ****load of courses, the exam, and work under a CFP for a really long time.

This would be a full on career change.

That being said, many "financial planners" aren't certified. Most ****nuts Series 5, 6, or 7 certifications so they can sell bullshit ass products for bullshit ass companies.

I don't know if there are any other certifications out there, but I wouldn't recommend going the full CFP route.

https://www.cfp.net/become-a-cfp-pro...n-requirements
Can always do the Accredited Financial Counselor thing..
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