I'll be graduating in May with a degree in Marketing and Finance with 2 years of internship experience in the marketing/communications fields. I have a few good job prospects (three of which I just finished 2nd round interviews).
I don't know the exact salaries being offered, but I know they are in the low to mid 40's (I'd assume 41-46k). I am from the Chicagoland area and all these positions are located in the suburbs. I grew up and my parents are still in the western suburbs.
Anyways, I'm trying to figure out what to do as far as savings / living expenses. One of the positions is located about 20-25 minutes from my parents house. I already have discussed with them the possibility of living at home for a year or so. We haven't come up with a solid number, but $500/month for food/utilities/rent seemed to stick out in our discussion. This would save around $600/month if I rented by myself.
The other two positions are located 50-60 minutes away, assuming traffic is flowing, if not, then 75-80 minutes each way. I wouldn't mind that commute over the summer, but in the winter, I wouldn't want to do it. I'm an active person (I run and bike a lot), so spending two hours in a car a day when I could be using that extra hour to work out seems wasted. Also, with the two other jobs, I would be incurring an extra $150/month in toll and gas expenses.
I've thrown this example budget, assuming I live on my own. If I can find a roommate (which I would like to do), I would take that option, lowering my monthly expenses by around $300/month. I'm not sure what I would do with the excess income. Probably save 50% of it, and then maybe use the leftover for short-term savings. I have about $18,000 in the market/bank with no debt. Am I missing anything that stands out?
Salary 44000 Fed Tax 5512 State Tax (5%) 2200 FICA (7.65%) 3366 Net Income 32922
MONTHLY EXPENSES Rent 700 Utilites 150 Food 300 Gasoline 100 Cell 45 Car Insurance 110 Health Insurance 130 Emergency Fund 85 Internet/cable 50 Savings +401k 400 Entertainment / Spend 250 Vacation Savings 125 Total Monthly 2445
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RedCelicaGT
1/2 + 1/4 + 1/8 + 1/16 + 1/32 + 1/64
posted: Apr. 30, 2012 @ 3:24p
$500/month for food, utilities, and rent is a steal.
JiGGiE
Member
posted: Apr. 30, 2012 @ 3:25p
caveman017 said:
MONTHLY EXPENSES Rent 700 Utilites 150 Food 300 Gasoline 100 Cell 45 Car Insurance 110 Health Insurance 130 Emergency Fund 85 Internet/cable 50 Savings +401k 400 Entertainment / Spend 250 Vacation Savings 125 Total Monthly 2445
Yearly Expenses 29340
Excess Income 3582
$100/month on gas is low, do you drive a Chevy volt? $300/month for food can definitely be adjusted. I understand many like to eat out, but brown bagging is a great way to save plus its healthier.
+1 for the emergency fund and 401k.
caveman017
Member
posted: Apr. 30, 2012 @ 3:31p
JiGGiE said: caveman017 said:
MONTHLY EXPENSES Rent 700 Utilites 150 Food 300 Gasoline 100 Cell 45 Car Insurance 110 Health Insurance 130 Emergency Fund 85 Internet/cable 50 Savings +401k 400 Entertainment / Spend 250 Vacation Savings 125 Total Monthly 2445
Yearly Expenses 29340
Excess Income 3582
$100/month on gas is low, do you drive a Chevy volt? $300/month for food can definitely be adjusted. I understand many like to eat out, but brown bagging is a great way to save plus its healthier.
+1 for the emergency fund and 401k.
I assumed $4/gallon on my Civic, which on the highway can get around 35mpg and city, I average around 28. Figured at most, 30 miles a day for the local drives. Obviously that may end up being around $120/month or $130 depending on how much extra I do (errands etc).
As for food, I shop at Aldi a lot while in college and my weekly expenses are around $40-50, depending on how many "extras" (such as toilet paper / paper towels etc) I purchase and whatnot. I am pretty big into veggies/fruits, so those seem to average around $12-15/week in fresh foods. I factored in to the $75/week one time eating out for lunch and one time eating out for dinner. Figure I have to socialize once in awhile, right?
wilesmt
Senior Member
posted: Apr. 30, 2012 @ 4:30p
I don't know about you, but I spend a lot of money on my car. You wouldn't think it but oil changes, new tires, 60,000 checkups, etc add up fast. Where are they at in your budget?
motuwallet
Senior Member
posted: Apr. 30, 2012 @ 4:38p
you could probably find roommates and pay less than $500/mo for rent + utils ... depends how much you like living at home
Firam
Nerdy Member
posted: Apr. 30, 2012 @ 4:49p
Don't know how old you are or your family situation. But you could stay on your parents insurance.
Find a roommate. Rent, util, cable, internet, etc should all be around $550-700 when split down the middle. If you can't find a place where you can get it to that range, you're living beyond your means.
MrGlobe
Member
posted: Apr. 30, 2012 @ 5:09p
Firam is right, if you could stay on your parents insurance that would help out. Also, I have a few friends who are still a 3rd or 4th line on their parents cell phone plan. Most of them pay their parents the $10 or $15 a month it costs to have a 3rd or 4th. Seems like you have a pretty realistic idea of what things will cost, and those are just nitpicky suggestions
caveman017
Member
posted: Apr. 30, 2012 @ 7:17p
I was planning on staying on my family health plan until my dad retires in a year or so and just paying whatever extra I would be.
Excel question: is this formula correct for federal income tax?
Yes, but you are probably forgetting the standard deductions and exemptions which reduce taxable income.
bigdinkel
Senior Member - 1K
posted: Apr. 30, 2012 @ 7:38p
Internet and cable only $50? Are you splitting that?
mrand
Enthusiastic Member
posted: Apr. 30, 2012 @ 7:39p
If your company offers 401(k) matching, put in whatever amount is required to achieve their maximum match. Never leave free money on the table, even if you have to sacrifice elsewhere. Otherwise definitely try to get some money flowing into Roth IRA and/or 401(k)
Marc
scotto777
Senior Member
posted: Apr. 30, 2012 @ 7:59p
Would the 60-70 minute comute be going to Chicago? While I agree that there is something to be said for living at home and saving a little money, also keep in mind that you are only 22 once. I'd find a roommate, live in Wrigleyville or Lincoln Park for probably about $600 a month and enjoy things a bit more than living at home, while also having minimal commute. You can easily live in the city without a car as well. Just my opinion, but something to think about...
caveman017
Member
posted: Apr. 30, 2012 @ 8:23p
bluehorseshoe said: caveman017 said: I was planning on staying on my family health plan until my dad retires in a year or so and just paying whatever extra I would be.
Excel question: is this formula correct for federal income tax?
Yes, but you are probably forgetting the standard deductions and exemptions which reduce taxable income.
What would standard deduction/exemptions be (on average?)
I'd be getting a mid-speed internet and either basic cable (whatever was cheap) or no cable. I've lived with just ABC, NBC, FOX, CBS, and PBS while in school because that's pretty much all that is free via antenna here. Last I checked, there were around 25-30 stations free via antenna in Chicago. Why pay extra for HD channels for an HDTV when antenna is free?
as for the 401k--- I'm torn. I'm planning on putting 5% in it and leaving 5% in other savings. Yes, its free money, but I can't use it without penalty for a down payment on a house in the future. I was putting 10% away when I was interning at Deere and they matched the first 6% (which was awesome!)
All the jobs are in the suburbs. Parents currently live in the western suburbs. Two jobs are in the western suburbs, two are in the northwest (arlington heights / glenview). I'd love to live in Wrigley (and have a friend near Montrose Harbor right now who I could move in with in 2013), but I haven't had any interviews in the city.
If I'm offered multiple positions, I will have no idea which to choose, especially if salary is close (which I'd assume they would be within 1-2,000 of each other). I'm also not sure which would give me the most out of my first position. Small business option would have me more involved in a lot of areas, but that would also mean that it would be two of us in the marketing department, and the other would be an intern--not exactly ideal for a first job? The advantage of course is that I could live at home without a problem for at least 18 months (when my dad retires at the end of 2013).
A: Small business with 15-20 employees in the architecture/construction industry dealing with 3D CAD modeling. Company is expanding into other states soon. -- 20 minutes from home B: Large Fortune 500 company in the Ag industry with a branch in IL -- 40 minutes from home, no highway traffic C: Medium sized Financial company with a small office in IL, lots of growth in local business -- 55-75 minutes from home (depending on traffic) D: Medium regional health care agency contracting services out to local hospitals / dr's -- 60-75 minutes from home.
Let's see. Auto repairs and maintenance, registration, car washes, medicine, doctors' visits. Do you have any student loans? You might also want to break down the entertainment/spending category. It looks like a nice big chunk now, but you might be surprised by how quickly things add up. Plan on spending money on going out, gifts, clothing, haircuts, donations, etc.
If you end up living with your parents for a while, set aside some money to furnish your future apartment.
djtitati
Senior Member
posted: Apr. 30, 2012 @ 11:31p
from the ppl i know, 40k is hard to do without roommates or living at home. even still, the college grads i know doing best are couples who are pooling their income. i'd personally choose living at home. it might not be the most fun, but you'll have less temptation to go out with friends and blow through your money. you seem like a responsible guy though, so you just need to look inside yourself to find that perfect balance of having enough fun while you're young while also preparing for your future.
BitemeIamtoxic
Non-toxic
posted: May. 1, 2012 @ 12:18a
Work for the Romney campaign for half a year.
ironfist99
Ancient Member
posted: May. 1, 2012 @ 1:23a
May be different for marketing, but for first job, normally bigger is better (name recognition). It shows that you are highly sought-after, considering bigger companies have more hiring options. If it was a small business somone may assume, it was your family/friends that got you the job not your skills.
Of course if you can correctly identify an up and coming startup, the point is moot.
ironfist99 said: May be different for marketing, but for first job, normally bigger is better (name recognition). It shows that you are highly sought-after, considering bigger companies have more hiring options. If it was a small business somone may assume, it was your family/friends that got you the job not your skills.
Of course if you can correctly identify an up and coming startup, the point is moot.
I don't know. At least in my experience, I've found working for smaller companies in my 20's to be rewarding. I've had two jobs since graduation, and in both I've entered environments where my supervisor has not been afraid to just throw me into the fire if I show some sign of being able to handle it. Thanks to that, I probably have experience on my resume that other people my age do not have if they went with the big guys.
saladdin
Senior Member
posted: May. 1, 2012 @ 10:07a
Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
calng
Senior Member
posted: May. 1, 2012 @ 10:22a
caveman017 said: If I'm offered multiple positions, I will have no idea which to choose, especially if salary is close (which I'd assume they would be within 1-2,000 of each other). I'm also not sure which would give me the most out of my first position. Small business option would have me more involved in a lot of areas, but that would also mean that it would be two of us in the marketing department, and the other would be an intern--not exactly ideal for a first job? The advantage of course is that I could live at home without a problem for at least 18 months (when my dad retires at the end of 2013).
A: Small business with 15-20 employees in the architecture/construction industry dealing with 3D CAD modeling. Company is expanding into other states soon. -- 20 minutes from home B: Large Fortune 500 company in the Ag industry with a branch in IL -- 40 minutes from home, no highway traffic C: Medium sized Financial company with a small office in IL, lots of growth in local business -- 55-75 minutes from home (depending on traffic) D: Medium regional health care agency contracting services out to local hospitals / dr's -- 60-75 minutes from home.
The salary alone should never be the main driver for a job. You need to compare the salary and benefits of each job offer, and that includes vacation time/Sick time. Some companies have a PTO system (sucks) and some still have the traditional sick and vacation time. Some offer 2 weeks vacation, and some offer 3 weeks.
The potential to grow is wear it will matter most for you. If everything is higher and there is no potential growth, you will be stagnant within 1-2 years and it will be difficult for you to go to another company to get that 20-30% bump. Potential growth means, there are lots of skills you can learn and those skills will be transferrable to other companies. Potential growth could also be within the company, where you have opportunities for a promotion or join other groups within the company.
Also, not all comanies have an 'performance review' process, and some companies may not offer raises.
saladdin
Senior Member
posted: May. 1, 2012 @ 11:06a
Al3xK said: saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
KILLER way to not learn responsibility, self respect and how to survive without mommy doing your laundry.
saladdin said: Al3xK said: saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
KILLER way to not learn responsibility, self respect and how to survive without mommy doing your laundry.
You sound like a fool. Myself, along with many others, had a fixed amount of spending money for the year, and it would all be spent at the end of the year...so many graduate completely broke. I'd work in the summer to save cash for the school year, rinse and repeat.
Most can't even afford the deposit and first months rent at a new apartment upon graduating.
The responsible thing would be to return home and save enough cash so that you can go out on your own.
saladdin
Senior Member
posted: May. 1, 2012 @ 11:33a
Al3xK said: saladdin said: Al3xK said: saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
KILLER way to not learn responsibility, self respect and how to survive without mommy doing your laundry.
You sound like a fool. Myself, along with many others, had a fixed amount of spending money for the year, and it would all be spent at the end of the year...so many graduate completely broke. I'd work in the summer to save cash for the school year, rinse and repeat.
Most can't even afford the deposit and first months rent at a new apartment upon graduating.
The responsible thing would be to return home and save enough cash so that you can go out on your own.
The responsible thing to do would be to work and save money while going to school instead of partying so you don't have to return home with your tail between your legs.
Not the OP's fault. It's parents who fail their children by not teaching this.
meggacat
Senior Member
posted: May. 1, 2012 @ 11:40a
Simply stated, you must save to the max, starting right now. Max out the 401K, save in a ROTH....you will not have social security.
The BMW-driving crowd are pissing away their capital.
By the time you retire, a new world order will probably be up and running with a new currency. It is entirely possible that work and retirement will look drastically different. Cash will be king.
Live with your parents until you can't or shouldn't. Just contribute to their cash flow.
dealmaster00
Senior Member - 4K
posted: May. 1, 2012 @ 11:53a
scotto777 said: Would the 60-70 minute comute be going to Chicago? While I agree that there is something to be said for living at home and saving a little money, also keep in mind that you are only 22 once. I'd find a roommate, live in Wrigleyville or Lincoln Park for probably about $600 a month and enjoy things a bit more than living at home, while also having minimal commute. You can easily live in the city without a car as well. Just my opinion, but something to think about...Agreed. Everyone is different, and I love my family, but I am really glad that I am not living at home after I graduated college about 1.5 years ago.
fw101
Silly Member
posted: May. 1, 2012 @ 12:08p
saladdin said: Al3xK said: saladdin said: Al3xK said: saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
KILLER way to not learn responsibility, self respect and how to survive without mommy doing your laundry.
You sound like a fool. Myself, along with many others, had a fixed amount of spending money for the year, and it would all be spent at the end of the year...so many graduate completely broke. I'd work in the summer to save cash for the school year, rinse and repeat.
Most can't even afford the deposit and first months rent at a new apartment upon graduating.
The responsible thing would be to return home and save enough cash so that you can go out on your own.
The responsible thing to do would be to work and save money while going to school instead of partying so you don't have to return home with your tail between your legs.
Not the OP's fault. It's parents who fail their children by not teaching this. The responsible thing is to be flexible and be able to adapt. Yes, it would be great if you can work while in college, not party, have no student loans, have your Roth funded fully, save enough to rent an apartment and have a job lined up before you graduate. Chances are, despite the best intentions/efforts, at least some of these may not be accomplished by everyone. I dont know why you are stuck on this one single issue of not returning back home (to live) ever from college. If it takes a few months to move into a place of their own for someone who graduates on time, lands up in a job, so be it. As I said, being somewhat flexible is more responsible IMO.
rmhop
Senior Member - 1K
posted: May. 1, 2012 @ 12:09p
saladdin said: Al3xK said: saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
KILLER way to not learn responsibility, self respect and how to survive without mommy doing your laundry.Do you really think that every kid that lives on his own is all the sudden going to be responsible bc they live on their own??? I knew tons of kids in college who would do laundry once a month or pay someone to do their laundry...usually a girlfriend etc. Do you think when they graduated they all the sudden started doing their own laundry?? Many of them never bought groceries either...they lived like complete slobs...how is that responsible? Many of them didn't have much money when they started working and had to ask their parents for help quite often.
I was one of a few friends that lived at home for a few years after college until I got married. I had a crazy amount of money saved up in such a short period of time. My parents aren't the type to charge rent....they'd rather I save towards a goal like a house etc. Bought a house before we got married, able to buy a brand new truck in cash, able to buy her engagement ring in cash....all while these slobs that lived on their "own" either financed the engagement rings or maxed out their credit cards to get it and have $600/month car payments.
Not saying everyone who lives on their own after college is like this by any means....but to act like someone who lives at home isn't responsible and their parents failed them is ridiculous.
rmhop
Senior Member - 1K
posted: May. 1, 2012 @ 12:15p
uutxs said: saladdin said: Al3xK said: saladdin said: Al3xK said: saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
KILLER way to not learn responsibility, self respect and how to survive without mommy doing your laundry.
You sound like a fool. Myself, along with many others, had a fixed amount of spending money for the year, and it would all be spent at the end of the year...so many graduate completely broke. I'd work in the summer to save cash for the school year, rinse and repeat.
Most can't even afford the deposit and first months rent at a new apartment upon graduating.
The responsible thing would be to return home and save enough cash so that you can go out on your own.
The responsible thing to do would be to work and save money while going to school instead of partying so you don't have to return home with your tail between your legs.
Not the OP's fault. It's parents who fail their children by not teaching this. The responsible thing is to be flexible and be able to adapt. Yes, it would be great if you can work while in college, not party, have no student loans, have your Roth funded fully, save enough to rent an apartment and have a job lined up before you graduate. Chances are, despite the best intentions/efforts, at least some of these may not be accomplished by everyone. I dont know why you are stuck on this one single issue of not returning back home (to live) ever from college. If it takes a few months to move into a place of their own for someone who graduates on time, lands up in a job, so be it. As I said, being somewhat flexible is more responsible IMO. exactly! my parents always told me that my job while in school was SCHOOL. I have the rest of my life to work. Some kids don't have the option to not work. My parents view was that you only go to college once.....ENJOY it. They did not encourage partying by any means. They just didn't want my focus away from my studying just so i could work at BestBuy 20-30 hours a week for a little extra cash.
saladdin said: Al3xK said: saladdin said: Al3xK said: saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
KILLER way to not learn responsibility, self respect and how to survive without mommy doing your laundry.
You sound like a fool. Myself, along with many others, had a fixed amount of spending money for the year, and it would all be spent at the end of the year...so many graduate completely broke. I'd work in the summer to save cash for the school year, rinse and repeat.
Most can't even afford the deposit and first months rent at a new apartment upon graduating.
The responsible thing would be to return home and save enough cash so that you can go out on your own.
The responsible thing to do would be to work and save money while going to school instead of partying so you don't have to return home with your tail between your legs.
Not the OP's fault. It's parents who fail their children by not teaching this.
We should all be robots working towards accumulating capital and financial stability. NO FUN ALLOWED. Especially in college!
We should be 100% prepared for the real world the day they hand you that diploma and not take advantage of generous family members who miss their children and want them to live at home one last time. /sarcasm.
caveman017
Member
posted: May. 1, 2012 @ 12:43p
I have worked part time all four years of school. That's how I have $18,000 saved.
nagemnna2
Dismembered Member
posted: May. 1, 2012 @ 12:51p
saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
I agree.. move out and get a roommate. I think the life experience of living on your own on a tight budget has more value then staying at home and stashing money into savings. The timing is perfect to step out on your own and give it a try. Then down the road when you make more (hopefully) you will have more of an understanding of budgeting and how nice it is to not have to eat ramen :-p
saladdin
Senior Member
posted: May. 1, 2012 @ 1:01p
Al3xK said: saladdin said: Al3xK said: saladdin said: Al3xK said: saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
KILLER way to not learn responsibility, self respect and how to survive without mommy doing your laundry.
You sound like a fool. Myself, along with many others, had a fixed amount of spending money for the year, and it would all be spent at the end of the year...so many graduate completely broke. I'd work in the summer to save cash for the school year, rinse and repeat.
Most can't even afford the deposit and first months rent at a new apartment upon graduating.
The responsible thing would be to return home and save enough cash so that you can go out on your own.
The responsible thing to do would be to work and save money while going to school instead of partying so you don't have to return home with your tail between your legs.
Not the OP's fault. It's parents who fail their children by not teaching this.
We should all be robots working towards accumulating capital and financial stability. NO FUN ALLOWED. Especially in college!
We should be 100% prepared for the real world the day they hand you that diploma and not take advantage of generous family members who miss their children and want them to live at home one last time. /sarcasm.
So getting help from the government is called an entitlement or welfare but from a family it is called being "generous"? Gotcha, different rules when it applies to yourself. Nice parenting job you will do./crappy parenting
saladdin said: Al3xK said: saladdin said: Al3xK said: saladdin said: Al3xK said: saladdin said: Be your own person and take care of yourself. NO way would I live with my parents when I'm a college graduate with a full time job.
Get a room mate.
Almost everybody I knew lived with parents for a few months immediately after school while they seeked housing.
KILLER way to save money so you start off with some cash in the bank.
KILLER way to not learn responsibility, self respect and how to survive without mommy doing your laundry.
You sound like a fool. Myself, along with many others, had a fixed amount of spending money for the year, and it would all be spent at the end of the year...so many graduate completely broke. I'd work in the summer to save cash for the school year, rinse and repeat.
Most can't even afford the deposit and first months rent at a new apartment upon graduating.
The responsible thing would be to return home and save enough cash so that you can go out on your own.
The responsible thing to do would be to work and save money while going to school instead of partying so you don't have to return home with your tail between your legs.
Not the OP's fault. It's parents who fail their children by not teaching this.
We should all be robots working towards accumulating capital and financial stability. NO FUN ALLOWED. Especially in college!
We should be 100% prepared for the real world the day they hand you that diploma and not take advantage of generous family members who miss their children and want them to live at home one last time. /sarcasm.
So getting help from the government is called an entitlement or welfare but from a family it is called being "generous"? Gotcha, different rules when it applies to yourself. Nice parenting job you will do./crappy parenting
If you think the government and your parents are considered the same entity, you're a moron.
When your mom gave you a birthday card with $20 in it, I bet you told her you didn't need any handouts.
There is nothing wrong with living at home for the first 2-3 months while you get a few paychecks.
calng
Senior Member
posted: May. 1, 2012 @ 2:15p
Can we please just stay on topic...We should have a feature where we can filter out useless replies, so we don't need to scroll through fluff.
fw101
Silly Member
posted: May. 1, 2012 @ 2:21p
calng said: ...We should have a feature where we can filter out useless replies, so we don't need to scroll through fluff. I like that. Based on voting by the community, the filter will not display posts getting voted out by a more than a threshold (presumably set by individual user).
harruin
Member
posted: May. 1, 2012 @ 3:18p
The living at home thing sounds interesting (especially if you have parents that will not make it intolerable), but I'm definitely going to say no to the 75 minute commute. That's something parents who live in the suburbs and have given up on life do.
Skipping 4 Messages...
nwill002
Senior Member
posted: May. 14, 2012 @ 4:33p
meggacat said: Simply stated, you must save to the max, starting right now. Max out the 401K, save in a ROTH....you will not have social security.
The BMW-driving crowd are pissing away their capital.
By the time you retire, a new world order will probably be up and running with a new currency. It is entirely possible that work and retirement will look drastically different. Cash will be king.
Live with your parents until you can't or shouldn't. Just contribute to their cash flow. not saying i disagree but whos to say ur 401K will be worth anything in this new world order?
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2. Shop through FatWallet for deals from your favorite stores. Your online purchases earn Cash Back that builds in your FatWallet account.
3. Get Paid by requesting a payment via check or PayPal.
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