Financial Independence and Legit Side Money Ideas For Techies and Geeks

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This blog is about Clever Questions, Answers, Posts, discussions, links about:

Making money isn’t that big of a deal especially if a person is determined, The primary cause of poverty is ignorance and nothing else.

It stars with a burning desire to learn and your willingness to practice all you’ve learned and make the mistakes needed in other to get the a greater height, “that is how financial progression is achieved and sustained.”

in the aspect of making money online with a laptop, you can try out the following listed below….

  1. Affiliate Marketing.
  2. Selling on Amazon, eBay, Etsy, and Craigslist.
  3. Blogging.
  4. Niche E-commerce.
  5. Your Own YouTube Channel.
  6. Selling E-books.
  7. Develop Apps.
  8. Invest/trade cryptocurrency.

To be a master and be really successful in any of the listed, one has to first learn them before anything else goes.

And if you’re interested in cryptocurrency but too Busy and don’t have to time to learn, you can contact me I’ll teach you how a newbie trader can make profit in crypto quickly.

Legit Side Money Ideas on Quora

  • 10 Tips to Help You Get Started with Affiliate Marketing
    by Tanzid (Money Making Ideas on Medium) on October 1, 2022 at 10:21 am

    Affiliate marketing is a great way for brands to market themselves online.Continue reading on Medium »

  • YOU SHOULD TAKE PERFECT CONTROL NOW!
    by Marketing Goodies (Passive Income on Medium) on October 1, 2022 at 9:42 am

    It will help if you exercise extreme caution in all that you undertake. I’m not here to terrify you but to call your attention to an…Continue reading on Medium »

  • Furbot — Furio trading bot and new NFTs
    by Joe @ digital-coins.net (Passive Income on Medium) on October 1, 2022 at 9:25 am

    Continue reading on Medium »

  • Daily FI discussion thread - Saturday, October 01, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on October 1, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • 8 Things You Can Do To Get Rich
    by Nomad (Passive Income on Medium) on October 1, 2022 at 8:57 am

    Get rich quick schemes and get rich overnight ideas have always been attractive to many people. However, there are some ways that you can…Continue reading on Medium »

  • Best Ways to Make Money Online in 2022–2023
    by Muhammad Imran (Passive Income on Medium) on October 1, 2022 at 7:20 am

    Top Best Strategies on How to Make Money OnlineContinue reading on Medium »

  • 5 Income Streams That Help Me Earn $6,000 Per Month
    by Finance Samurai (Passive Income on Medium) on October 1, 2022 at 6:48 am

    Most people make money by having just one source of income, but I’ve found that having multiple sources of income has allowed me to earn…Continue reading on Medium »

  • Crazy neighbor messing up FIRE plan, thoughts on our options?
    by /u/veryninja (Financial Independence / Retire Early) on October 1, 2022 at 5:37 am

    We bought a house in 2020, plan was to stay, expand and rent out rooms. Bue to crazy neighbor we want to leave. Options: sell and buy, won't make sense. Our rate is 2.65, current rate is 6.5. rent it out and rent another place. Rent won't cover mortgage after rental income tax. Would hinder saving for 2nd down. spend 100k to expand 2 more bedroom, so rent would cover rental income tax and mortgage. Would spend money save for 2nd down. sit and wait for rent to go up 1.5k, won't be able to escape this area. It'll cover mortgage + rental income tax. sit and wait til we saved enough for 2nd down. Probably 2 more years, and rent it out then. Rent might still not cover mortgage + income tax. Our neighbors: Neighbor on one side: During quarantine, our neighbor's mentally ill son moved back home with the parents. He has since burned our cars, garage and 32 other cars in our neighborhood. Police know it's him but since all the evidence in all the cases are circumstantial, they can't arrest him. He continues to key vehicles on our street, it's hard to prove on camera. He also was involved in a hit and run, police came and got his insurance but didn't arrest him. His toilet must have broke, he's been bagging his feces and tossing them on our other neighbor's roof. Which stopped after I saw a new toilet box in their trash pile. Neighbor on the other side: It was a nice family living there, until they were forced to move when the old landlord wanted to sell. The new owner converted the single home to a triplex, illegally, unpermitted. Now there's all sorts of people coming through. submitted by /u/veryninja [link] [comments]

  • My Plans for October 2022
    by The Octogig (Passive Income on Medium) on October 1, 2022 at 5:01 am

    What I aim to do (with no pressure involved) + a quick recap of what happened in September 2022Continue reading on Medium »

  • 7 Best Websites To Get Paid DAILY Within 24 Hours (For FREE)
    by Finance Samurai (Passive Income on Medium) on October 1, 2022 at 5:01 am

    If you’re looking for a way to make money online, take a look at these 7 websites. These websites pay you to do things like take surveys…Continue reading on Medium »

  • Why Be an Affiliate Marketer?
    by Hasitha Lakshan (Passive Income on Medium) on October 1, 2022 at 4:46 am

    Passive IncomeContinue reading on Medium »

  • Question about roth conversions and taxes
    by /u/IJustWannaBeADrMan (Financial Independence / Retire Early) on October 1, 2022 at 3:18 am

    So my understanding is that 401k (and other pre-tax accounts) lower your taxable income and effectively lower your tax bracket If I were to theoretically make maximum 401k contributions and benefit from my lowered tax bracket for ~5 years and then convert my 401k contributions at the end of those 5 years to a roth IRA, would I not be committing fraud? submitted by /u/IJustWannaBeADrMan [link] [comments]

  • This bot has been earning me 1.5%/day, 45% per month! (liveproof!) Jetbot review
    by Digitalvault (Passive Income on Medium) on October 1, 2022 at 2:50 am

    I am a fan of passive crypto income and today I’m going to share my review on a trading bot that I have found it to be quite profitable.Continue reading on Coinmonks »

  • FI and giving the wrong impressions to your kids about hard work and persistence and perseverance
    by /u/eiticjalc (Financial Independence / Retire Early) on October 1, 2022 at 1:29 am

    Has anyone here reached their FI goals (and therefore not have to work as hard at their job) worry about giving the wrong impression to their kids about work ethic and pursuing goals? I always saw my parents work hard throughout my childhood and credit my strong work ethic/anything is achievable mentality to them. I want to achieve FI so that I can live a more balanced life and to spend time with kids (something my parents never had much of with me because they were always working) but don’t want to give my kids the impression that their parents aren’t hard working or have goals and ambitions. How do you instill this in your kids when they don’t see you “practice what you preach”? submitted by /u/eiticjalc [link] [comments]

  • You’re Using Your Credit Card Wrong
    by Ian Writes (Passive Income on Medium) on October 1, 2022 at 12:57 am

    My credit card pays me $100 ofpassive income every monthContinue reading on Medium »

  • 5 Fantastic Jobs for Parents That Work From Home
    by Bello Mustapha (Money Making Ideas on Medium) on September 30, 2022 at 11:01 pm

    Find the Best Job Now!Continue reading on Medium »

  • Does anybody have a dream of meeting their FIRE goal, and then being able to spend their entire income?
    by /u/corsairfanatic (Financial Independence / Retire Early) on September 30, 2022 at 4:08 pm

    One of my biggest pushes for FIRE is to one day, not care about saving anymore. I don't mind work, and I'm not miserably frugal either. But one day, I would like to buy the things that are luxuries, that don't necessarily add to my happiness today, but would be a "nice to have". It can be anything, a tesla, donating to community foundations, organizing events etc. For example, one of my hobbies is gaming, and the game I play is not necessarily big, but organizing $1k events for streamers to create my own catered event etc. Not necessarily material things. Is anybody else like this? I just want to be able to spend without caring, but also understand the importance of saving now. submitted by /u/corsairfanatic [link] [comments]

  • Daily FI discussion thread - Friday, September 30, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 30, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Weekly FI Frugal Friday thread - September 30, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 30, 2022 at 9:00 am

    Please use this thread to discuss how amazingly cheap you are. How do you keep your costs low? How do become frugal without taking it to the extremes of frupidity? What costs have you realized could be cut from your life without pain? Use this weekly post to discuss Frugality in general. While the Rules for posting questions on the basics of personal finance/investing topics are more relaxed here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • 7 Best and Simple Mobile App Ideas to Make Money
    by Suzanne Dsouza (Money Making Ideas on Medium) on September 30, 2022 at 7:29 am

    Every business is considering utilizing mobile apps on a massive scale. The purpose is to satisfy distinct requirements by serving the…Continue reading on Medium »

  • ESG investing is apparently a sham
    by /u/NewmanCan (Financial Independence / Retire Early) on September 30, 2022 at 6:51 am

    https://www.nytimes.com/2022/09/29/opinion/esg-investing-responsibility.html?referringSource=articleShare I’ve been using ESG funds (ESGV, VSGX, for example) and was disturbed to learn about how ESG funds are constructed as described in the linked article. Assuming the article is correct it seems that the label ESG for index funds is completely uncorrelated to responsible corporate governance. Surely there must be investment options that do in fact track a set of responsible companies. Any thoughts or recommendations for diversified investments that ensure environmental/social responsibility of their stocks and don’t just track an unreliable rating service? I assume the expense ratio would be even higher, but I hate the idea of investing in fossil fuels, profiteering off of misinformation, etc. submitted by /u/NewmanCan [link] [comments]

  • Investors, take notice of the pain.
    by SUCCESSX (Money Making Ideas on Medium) on September 29, 2022 at 7:01 pm

    Every report I read today on Jackson Hole addressed by Fed Chair Powell centered on the idea that rising rates will hurt the economy. As a…Continue reading on Medium »

  • Weekly Self-Promotion Thread - September 28, 2022
    by /u/CripzyChiken (Financial Independence / Retire Early) on September 29, 2022 at 12:55 pm

    Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely. Link-only posts will be removed. Put some effort into it. submitted by /u/CripzyChiken [link] [comments]

  • 3 Passive Income Ideas You Must Try Right Now
    by Essa Afridi (Money Making Ideas on Medium) on September 29, 2022 at 11:41 am

    You are at the right place if you want to make a passive incomeContinue reading on Medium »

  • Hitting the jackpot and losing it all — my blogging story.
    by Thomas Sakthi (Money Making Ideas on Medium) on September 29, 2022 at 9:28 am

    This is my blogging story; Earning a lot and then losing it all.Continue reading on Medium »

  • Daily FI discussion thread - Thursday, September 29, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 29, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • A sneak peak at how 1990-2020 retirement years will look in hindsight?
    by /u/OriginalCompetitive (Financial Independence / Retire Early) on September 29, 2022 at 2:31 am

    I like using firecalc and similar sites to run withdrawal simulations, but one of the drawbacks is that the last year you can test a 30 year strategy is 1992, because of course that’s the last year with have 30 years of data for. That’s a problem, because arguably more recent years would offer a better window into the future because they are more current and perhaps more similar to likely futures. My question is, are there any ways to test against those recent years? Can we guess which recent years are probably ok and which are not? Or are we stuck with a tool that has a 30 year blind spot? submitted by /u/OriginalCompetitive [link] [comments]

  • 10 Ways to Make Money Fast as a Beginner Online
    by Dezso Mezo (Money Making Ideas on Medium) on September 28, 2022 at 12:38 pm

    Are you a beginner looking to make money faster as a beginner? If yes, then you are at the right place! Do you want to earn some extra…Continue reading on Medium »

  • Daily FI discussion thread - Wednesday, September 28, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 28, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Daily FI discussion thread - Tuesday, September 27, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 27, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • How To Sell Hemp And Make Money Without Growing It!
    by mystery stories & Fun (Money Making Ideas on Medium) on September 26, 2022 at 9:27 pm

    Hemp is a special, frequently misunderstood, and incredibly adaptable plant.Continue reading on Medium »

  • 5 Ways To Generate Passive
    by Anik Mehta (Money Making Ideas on Medium) on September 26, 2022 at 9:39 am

    Generating passive income is one of the most important things in today’s time. We can’t rely on one source of income. Imagine what will…Continue reading on Medium »

  • Daily FI discussion thread - Monday, September 26, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 26, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Weekly “Help Me FIRE!” thread. Post your detailed information for highly specific advice - September 26, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 26, 2022 at 9:01 am

    Need help applying broader FIRE principles to your own situation? We’re here for you! Post your detailed personal “case study” and ask as many questions as you like, or help others who’ve done the same. Not sure if your questions pertain? Post them anyway…you might be surprised. It’ll be helpful to use our suggested format. Simply copy/paste/fill in/etc. But since everybody’s situation is different, feel free to tailor your layout to your needs. -Introduce yourself -Age / Industry / Location -General goals -Target FIRE Age / Amount / Withdrawal Rate / Location -Educational background and plans -Career situation and plans -Current and future income breakdown, including one-time events -Budget breakdown -Asset breakdown, including home, cars, etc. -Debt breakdown -Health concerns -Family: current situation / future plans / special needs / elderly parents -Other info -Questions? submitted by /u/AutoModerator [link] [comments]

  • Weekly FI Monday Milestone thread - September 26, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 26, 2022 at 9:00 am

    Please use this thread to post your milestones, humblebrags and status updates which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Must Know — a secret we provide about making money online
    by Rajaofficialseo (Money Making Ideas on Medium) on September 26, 2022 at 7:24 am

    People claim they can make money online. It is something everyone wants and seems easy. It can be difficult if you listen to horror…Continue reading on Medium »

  • 2 Years of Tracking– College/Grad School, Working, Dating, and $63K NW @ 25
    by /u/why_so_sirius_1 (Financial Independence / Retire Early) on September 25, 2022 at 11:16 pm

    This post was Inspired by u/nifFIer. I really liked the format and discussion so I am going to copy it best I can. Summary of Family: Self – BS/MS Statistics with a math minor, Master's in Analytics (in progress). Data Science at tech company $105k Salary + 20K RSU = 125TC, college paid for by financial aid at the undergrad level and I am sticking my employer with the graduate school bill. Spouse – I have a partner but we are not married so I am not counting their income and net worth. Dog – A 4 year old Dog (Kibble salary) We rent an apartment and drive cars that we both bought for ourselves on the down-low <br> Disclaimer: Admittedly, I do not have as much data as the OP of this post. At the very least not as much documented. However, I did start using YNAB in 2020 so I do have some very detailed and granular data that I will share instead in addition to some charts here and there along with a deeper dive into my expenses and saving ratios. Growing Up Mom is a high school drop out who is illiterate and cannot read or write. She dropped out of school to help support her family of 7/8 growing up since grandma had kids without much thought on how they would manage. As such, mom was very traumatized from her childhood and as result she made some poor decisions in life. For example, she got prego at 17 with me and my biological dad was big time drug dealer with a house in Cali. However, they got busted and she got locked in a mental hospital cause she snapped. She got let out early due to lack of funds. Emotional abusive, gaslighting, physically abusive, and neglectful was how I would describe our childhood but that is expected given her background. My mom would then proceed to threaten to harm us, herself, and others while she was with other drug lords. It was weird since when she could find someone to give her money we would have tons of it! She would spent on really expensive designer clothes and nice cars and beauty products and of course on 10 year olds wearing A|X and burberry. However, once the drug lords left for a different women and/or had a kid with my mom, we would be broke. This is why I think I am such a good saver. I know whats it is like to not have money so I am grateful when I get it. There's a whole can of worms here so I will just leave it at abusive, mentally ill parent did her best to care for us but could not impart any good financial advice or help. Ex. her advice for me growing up was to make sure when you get the credit card bill always pay the min + 20/30 dollars more which is on the right track but will lead to always being credit card debt. College/Grad school (2016-2021; 2022-): My story will diverge a little from OP's since I went to grad school after I got my first real job. However, I can speak on undergrad in the same manner. I initially went to school to be a doctor but did not want to major in bio or chem so I went chemE so in case I did not want to be a doctor/did not like it, I would not have a useless degree. My grades were pretty darn good, but after my first year of ChemE specific courses I realized I did not want to be a ChemE so I pivoted to Material Science and Engineering. I got an internship at a manufacturing plant. Unfortunately no 401k benefits or anything like that. I did not use reddit so I did not know about the power of the Roth IRA so nothing was contributed there but I was making 15/hour plus they paid for apartment and living expenses except for food. During my internship, I realized I actually did not like what I was doing for the most part but I did really enjoy the statical work that we did. So with that knowledge I switched majors and added a minor since my school required it/ more or less. I graduated with honors in 2021 without any additional internships since at that time I was focused on getting out before my financial aid ran out since I basically wasted 2 years. If I could do it over, I would have double majored in comp sci, stats and gotten as many internships as I could to try and break into the BIG tech companies but hindsight is 20/20. Working Full Time Salary History (COL Index: 94.8): $65k (Half 2021) -> $125k (2022) Unfortunately not a whole of data here but I can elaborate a little. I spent part of 2021 in a consulting gig as a "data scientist/analytics" but we did not do jack shit. All we did was tell companies how they can use data and maybe come up with data dictionaries for them. It was easy af money but I was unsatisfied and one of my friends was looking for jobs and I was like shit might as well join them. I randomly applied to a company that ended up being a tech company that took a chance on me and I have been doing pretty well. You wont see the full 125 K in the breakdowns because I only have made that money for less then a year PLUS my RSU have 25% cliff vesting schedule. I did not reach out to any of my family since they are all Fucking crazy. Wont get into unless asked to in the comments but the metaphor I would use to describe them is that they are drowning from trauma and if you get too close to a drowning person, they will drown you too. So, I was able to focus on work mainly and my partner. My current role is not very stressful but it is not as interesting as it could be but it pays fairly well. My manager is nice and chill and like them but they seem a little scatter. I have been thinking maybe Machine Learning Engineering would be more interesting and challenging but I have not decided if I care enough to switch jobs. Adding this: FI Stuff I contribute 6% of my salary to my 401K since employer matches up to 6% and all of that vests on day 1 which is giga chad move. I max of Roth IRA while I can. I do VT and chill for that and S&P Index for 401k. I also do 20K a year of ESPP since I get 15% discount so I plan immediately selling and printing an extra 2/3K a year like that. My work does have a HSA, but I cant use it. Why you may ask? Well, therapy is expensive and I need a lot of it. All the in network providers are not able to treat me effectively since I am on paper I seem perfectly fine. but emotionally I am mess. I did find someone but they are out of network but they are goated. Dude went to Harvard and has many YoE, and teaches the trauma class at my former Uni (I think) so he is very well qualified and the only dude who can see past the barriers I create (subconsciously he/I may add). I had gone 4/5 different people and nothing. However, since they are Out of network, it cost a shit ton to go see them so it does not make seen to have a HSA. I am on tract to get OOP for my plan so my future sessions wont be so expensive. They are 180 a session 2x a week. Once I am "cured" I will absolutely max out that HSA but who knows how long it will take to heal generational, racial trauma so fingers crossed lol . Life, and where we go from here: I am planning on graduating from grad school in about 2 years. By that point, I should be a senior data scientist at my current company. My coworker with similar education and YoE background has a base salary is about 170K so with RSU probs pushing 200K. By that point, if I am not at the position/salary I will job hop to that somewhere else since I will have had 5 YoE plus relevant BS and MS degree. My partner is pro FI but they are in much lower paying field (nursing). However, it should still be good enough and I love her very much so I am not planning on leaving her for not being able to mirror my income. We have lots of goals such as owning a home in a very nice trendy city like Denver, Austin, NYC, LA, Seattle, or Chicago. As such, we will need our incomes to rise so we think we need to eventually switch to management for our careers. We do share interest of traveling to Europe, Australia and maybe parts of southeast Asia. I have been reconnecting with my sister and brother recently since I am in a better place mentally and financially but they are a bit of mess. They are high school dropouts and both had kids sub 18 just like my mom and work lower paying jobs. I try impart advice IF they ask (I will not infantilize them) but mostly I just try to be the big brother they could not have since our childhood was so messed up. I do not think I want a relationship with my mom but my partner's parents are wonderful in comparison so we all talk like I am the adopted kid anyway. I was there for every major holiday as soon as we started dating since they saw I had no family to go to for Thanksgiving or Xmas. My partner and I split bills based on equity meaning if I make 2x as much as her, I will pay 66% of the rent or any really big bills. We love going to trendy, upscale food places and spending money on experiences Inspiration: Honestly, I want to thank all the teachers I had as they were the closest thing to a safe, stable place to exist and probably helped in someways push me towards the path of education out of poverty. I also want to thank this online community. I have learned so much about investing, and use fancy words like Roth IRA, HSA, ESPP with other people to explain things that were completely unknown to me. Part of me wants to give back to the world but unfortunately the world is getting more and more expensive. I hope to do this again in a year with more data and more updates on where I am in life. Hopefully with an upgrade from partner to spouse. submitted by /u/why_so_sirius_1 [link] [comments]

  • Tax loss harvest calculator
    by /u/WesternDoor (Financial Independence / Retire Early) on September 25, 2022 at 5:55 pm

    I created a spreadsheet to help calculate the value of tax loss harvesting for my portfolio. In particular, I wanted to understand the compounding effect of investing tax savings, the tax implications of shifting around cost basis, the effects of claiming a deduction over many years, and the risk of different rates of return between my hedge asset (VOO) and my original asset (VT). You can find the spreadsheet here: https://docs.google.com/spreadsheets/d/1OTWF3BGswFtdnqUp1mU31wtMXhtfMXuAUHoz9lMn668/edit#gid=0 The spreadsheet bakes in a bunch of assumptions about your TLH strategy, some of which are not very realistic. I list some assumptions on the right. This calculator is imperfect, but I hope that it's useful for getting a rough sense of how different variables effect the value of your TLH. submitted by /u/WesternDoor [link] [comments]

  • Daily FI discussion thread - Sunday, September 25, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 25, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Retiring shortly and moving: tips for managing emotions and building social connections?
    by /u/Thin-Shirt6688 (Financial Independence / Retire Early) on September 24, 2022 at 3:45 pm

    I've always dreamed of FIRE, but am getting increasingly nervous as I come closer to pulling the trigger on retiring. Recent stock market gyrations don't help. Another source of anxiety is that my plan involves moving to a lower cost of living area. I'll have to build social connections again (and continue finding a life partner, which isn't getting easier as I'm in my 30s, and the gay dating market is much smaller than the straight market). It generally takes time to build social connections after one moves, and I'm also not sure what people will think when I introduce myself as an "early retiree". Any tips for handling both? submitted by /u/Thin-Shirt6688 [link] [comments]

  • 2 yr Update: I left a FAANG pre-FI for a more fulfilling job and took more than a 50% pay cut
    by /u/wholeWheatButterfly (Financial Independence / Retire Early) on September 24, 2022 at 2:55 pm

    TL/DR: I like my job, but also mental health is really important. Edit: in case this confuses anyone else, the timestamp on my old post is showing up as 1yr ago on some devices. I believe this is because it was technically poster 1yr 11mo ago and some versions of Reddit app round down to the nearest full year. But it was indeed written in October 2020, and this is a (nearly) 2 year update. In October 2020, I made a post here that was fairly well received. I wrote that post 9 months after leaving a FAANG and, as the title says, I took more than a 50% pay cut, pre-FI, for a more fulfilling job. I’ve been thinking about doing an update post for the past year or so, and now the time feels right enough. Quick financial recap: Back then I was 25 years old, NW of around 200k-ish, and I felt I was just about coastFI. Now I am 27 years old, unsure of exact NW, especially now that I have to consider house equity, mortgage debt, and recent market volatility, but it’s gone up a decent amount - maybe to 240-270k depending on how you count the home equity (and if you consider markets from a month ago and not time of posting lol). Basically I’ve been able to save some, but not as much as I’d like - who’da thunk it’s harder to save money on a lower salary. What’s happened since October 2020? I’ll start with some life updates. Apologies in advance for being a wall of text / stream of consciousness. I’ll put reflections later - this paragraph is intended to just be an info dump of the last 2 years. When writing that last post, my partner (now ex) and I were weeks from closing on a house. The closing went well, and I love the house. It is an old house (1910’s), but so far have had no issues. Since closing, property values have gone way up - just got a HELOC based on a valuation about 30% higher than we bought. I should be able to remove PMI next month, at the 2 year mark. My sister, who lives down the street, had my first nibling a bit over a year ago, and being an uncle has been wonderful. I am still working at the same place, still remote. My responsibilities kept expanding until I finally felt justified in asking for a title change to CTO, which was approved without question; it’s not super meaningful at a small research nonprofit (< 8 full time employees, but many part time and volunteers), but my previous title was pretty obscure so it’s great to have something clear and an obvious career progression for me. My salary has increased to about 103k - you may recall that my starting salary was 88k; not too shabby, but not tech sector executive level either! I now manage, at any given time, 3-6 part time engineers and student interns. I manage several projects, write statements of work for the consulting arm I started, manage some IT related stuff (I’m not the primary IT person at the org though), and individually contribute. As foreshadowed before, my partner and I have (recently) split up. I’ll get into that more later, but for now, I’ll just say we are on fairly good terms, and it didn’t financially wreck me. Brief review of October 2020 post While rereading the old post, I’d say I was (perhaps cautiously) optimistic about the future and the choices I’d made then. My takeaways were that I liked my job more than my FAANG job, but it was still a job. Some gushy statements about values, purpose, and fulfillment, and having faith in the future. Do I still feel the same way? In a lot of ways, yes. In the last year, I’ve actually come to enjoy my new job more. At the time of writing the old post, I was being pushed to work on this one project that I grew to really dislike. Once that was finally over, things got a lot better. I eventually started a consulting arm of our nonprofit, where we help apply our research methods to other academic projects as contractors. I’ve been managing engineers in a much more real capacity, and I’ve found it really fulfilling. I significantly helped in this one grant application, which, if we get, could mean a fairly significant expansion to the org. I am still regularly coding interesting things as well, and generally working easy hours. The main thing that deviates from the points of my old post is that caring for my mental health was just as, if not more, important than having a job I found fulfilling (and, of course, the two are likely related in several ways). I’ve come to realize that I have had significant depression and anxiety, probably since I was a teenager. While I’d been to therapy a few times even before writing my last post, I never really got much out of it. It wasn’t until the Fall of 2021, when I finally talked to my doctor about it, was diagnosed with major depressive disorder, prescribed meds, and even took FMLA (medical leave), that things really started to improve for me. Just existing is not supposed to feel like a major struggle every single day! It’s such a simple statement but it’s really something that’s easy to forget when you’re depressed, especially when it’s been your “normal” for years or decades. My meds (an SSRI and a mild stimulant) really helped me from being stuck in such a low place. My improved mental state, therapy, and some shocking life events (the sudden, unexpected passing of my grandmother, and a cancer event with my sister (she’s doing well now!)) really brought some perspective in my life, which eventually culminated with me realizing how unhappy I was in my relationship. Since this is not r/relationshipadvice, I won’t get too much into relationship details, but I’ll say that my relationship was keeping me from doing a lot of things I wanted to do, and kept me stuck in some poor habits (that really fed my anxiety and depression) that were formed when I was mentally ill teenager. I have no ill will toward my ex. Since this is a financial subreddit, I’ll briefly go over the financial details of the breakup. We were not married, but we shared a house and vehicle. The house was technically in my name only, but we would have bought it together if it wasn’t for my ex being between jobs due to COVID at the time of applying for financing; we split costs and always treated it as co-owned. So, I’ve bought out their equity in the house and the car (subtracting some money that they owed me from something unrelated). All in all, it put me out < 25k; it’s not really a life-changing amount, but it’s nontrivial. Now that I have significantly better mental health, I am looking back at my career pivot with some more perspective. I still think it was a good choice, and probably the best for me at the time, given my poor mental state. However, I suspect I could have managed working my “unfulfilling” FAANG job if I had better mental health at the time. It was actually kind of an epiphany moment that led me to leave the job (in part from a self-help-ish book that I still very much appreciate), but given my extreme history with depression, what I think I needed more than anything was medication! Don’t get me wrong, I made great strides with self-reflection and learning to process my emotions. But, at least for me, my upbringing as an LGBTQ individual in a Catholic Texan family did not leave me well equipped to handle life without some significant intervention. So, I am doing much better now, mentally, and am more optimistic than ever about the future. I am back into a good fitness routine. I am going past my comfort zone and making new friends - something I found extremely difficult to do before with my anxiety, depression, and being able to use my relationship as a crutch. I don’t regret my career choices, and I really enjoy my job now. I also feel that, if I wanted or needed to, I could probably go back to the tech sector and get a pretty good job, coming in as a CTO with the diversity of experience I now have. Or, perhaps I’d be able to freelance / househack my way into coasting. (Or, as a young new single, marry rich!) A caveat to all this good, though, is that from a pure financial perspective, these QOL improvements might not be a good thing; my poor mental health in a lot of ways gave me tunnel vision for FI. Now, I am spending quite a bit more and saving less as I explore a lot of things I had not before. But, maybe that’s as it should be ? Conclusion? I don’t know that I have a clear takeaway here, other than really investigate your mental health whenever you feel you really need a big life change. I’m not saying you shouldn’t trust your perceptions, knowledge, and beliefs, but if you’re fortunate enough to have decent food, a non-toxic home, and a non-toxic job that pays enough, yet still feel like it’s a struggle just to exist in the world, something isn’t right - and it might not be as straightforward a fix as a new job or new chore schedule. submitted by /u/wholeWheatButterfly [link] [comments]

  • Daily FI discussion thread - Saturday, September 24, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 24, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • How "irrational" are you when pay down a mortgage/debt compared to the expected 7% stock market gains?
    by /u/Blunderdashed (Financial Independence / Retire Early) on September 23, 2022 at 10:58 pm

    In FI I feel like there are two principles that can conflict. One is to pay down debt as fast as possible and the other is that we can generally expect the stock market to produce 7% gains. If your interest rate is below 7%, the rational economist would say make the minimum payment on your debt and invest your other savings in the stock market. I think two things that would make me not do this are the inherent risk in stock market returns, which is a more rational calculation, and also the feeling of freedom from not being in debt to someone/thing, which is less "rational". ​ For me I think my buffer would be around 2% (So anything less than 5% debt I would pay the minimum on), but I'm curious to hear what other people's buffers are. Also I'm not asking specifically about current market timing. I know things are funky right now. ​ p.s. If my financial thinking is wrong here please let me know, and sorry if a question like this has been asked before. submitted by /u/Blunderdashed [link] [comments]

  • Daily FI discussion thread - Friday, September 23, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 23, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Weekly FI Frugal Friday thread - September 23, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 23, 2022 at 9:00 am

    Please use this thread to discuss how amazingly cheap you are. How do you keep your costs low? How do become frugal without taking it to the extremes of frupidity? What costs have you realized could be cut from your life without pain? Use this weekly post to discuss Frugality in general. While the Rules for posting questions on the basics of personal finance/investing topics are more relaxed here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • is this sub worth reading anymore?
    by /u/Lostinspace69420 (Financial Independence / Retire Early) on September 23, 2022 at 5:08 am

    used to check in and read post for years on this sub but now everything is a daily thread. what is going on, no one wants that. just allow everyone to up or downvote posts on their own. submitted by /u/Lostinspace69420 [link] [comments]

  • Daily FI discussion thread - Thursday, September 22, 2022
    by /u/AutoModerator (Financial Independence / Retire Early) on September 22, 2022 at 9:02 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]






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