Lurker > No_U_L7

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Topicwhat % of your paycheck goes toward retirement?
No_U_L7
07/23/21 6:54:53 PM
#10
3PiesAndAFork posted...
probably around 25%ish. On track to retire by 55, unless my hail mary crypto gamble plays out.


My goal is also to retire around then, ill have a 25 year pension and my condo will be paid off
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TopicScarlet Johansson: "I was turned down for Black Widow."
No_U_L7
07/23/21 6:46:06 PM
#5
are those tats?
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Topicwhat % of your paycheck goes toward retirement?
No_U_L7
07/23/21 6:45:06 PM
#3
radical rhino posted...
Why would you count social security taxes? Youre not getting any of that shit back.


because im dying young? or another reason?
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Topicwhat % of your paycheck goes toward retirement?
No_U_L7
07/23/21 6:41:43 PM
#1
between pension, social security and 401k (roth and standard), i'm at 24%
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TopicMy new condo has in-unit laundry, gonna wash my bedsheets twice as much now
No_U_L7
07/23/21 1:17:25 PM
#1
TopicWhat really pisses me off about Republicans and Covid right now..:
No_U_L7
07/23/21 12:22:56 PM
#8
Winrawr posted...

But it isn't. The chances of a person dying form COVID who doesn't have multiple factors such as overweight, a smoker, obese, or old is less than 1%. These people don't care about COVID or getting a vaccine because they arent afraid. they don't care that they could spread it to people who are vulnerable, because they are selfish and evil


In what universe is 1% not an insanely high number for mortality via disease...
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Topicc/d: piper perri is the most beautiful porn star
No_U_L7
07/23/21 3:32:17 AM
#81
Unspecified_NPC posted...
I like Piper Perri but lately I like Autumn Falls. Regardless, Piper is definitely not the most beautiful

Also @No_U_L7 recommended Lacy Lennon at one point and that's some facts right there


Autumn falls is great too
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TopicMy legs just failed me and I collapsed while walking
No_U_L7
07/23/21 2:05:46 AM
#10
Lokison posted...

Crawl into the bathtub and pee. Then turn on the water to rinse it, and the sweat off. Maybe take a nap in there.


this is what i did, thanks
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TopicMy legs just failed me and I collapsed while walking
No_U_L7
07/23/21 1:42:12 AM
#9
Umbreon posted...
Gotta take it slow after a long break, you can't overdo it to "catch up".


It was an accident

3x5 squats with 35 pounds on each side isn't crazy...

I tried making to the bathroom but fell again. Crawled back to the couch
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TopicMy legs just failed me and I collapsed while walking
No_U_L7
07/23/21 1:35:13 AM
#4
I need to pee, wat do
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TopicMy legs just failed me and I collapsed while walking
No_U_L7
07/23/21 12:29:28 AM
#1
Hit the gym for first time in 2 months (and barely been going since covid)

Accidentally overdid it on the squats, my first set I put on 45 each side by instinct (my normal initial loading pre covid)...and nearly died

Dropped it down to 35 for subsequent sets

Was trying to walk to bathroom just now and my legs just gave out from under me and I collapsed

I crawled to the bedroom and now I'm in bed
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Topic"Proud military wife"
No_U_L7
07/23/21 12:10:26 AM
#1
Can someone explain this to me
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TopicRecommend the best things to get at Chick Fil A. Gonna drive 35 minutes to the
No_U_L7
07/22/21 11:18:08 PM
#2
I get the spicy deluxe with large waffle fries, chicken fil a sauce
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TopicLeBron James has officially become the NBA's first billionaire
No_U_L7
07/22/21 11:17:36 PM
#37
Middle hope posted...
He could help so many people with that money.

He could donate 99% of it and still be set for life.


What a stupid way of thinking. He worked his ass off to set up his family for generations...and you want him to donate 99% of it?
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TopicThoughts on people who have NO side hustles?
No_U_L7
07/22/21 11:12:27 PM
#20
God_Of_Entirety posted...
Like more power to you but I don't understand the narrow mindset that would lead you to be reliant on one source of income nomad what type of qualifications you think you have everyone's job becomes obsolete as a law of Economics so you will need to have separate skills for when that time comes making ends meet

Duscuss


im an engineer with 3 degrees and im (over)paid by the gov

we're also unionized, so i literally can't be let go or laid off (unless i royally screw up, like treason level)
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Topicugh mumsy's emotional leveraging worked
No_U_L7
07/22/21 11:04:46 PM
#3
yunalenne10 posted...


That's cold...


welcome to my childhood
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TopicRewatching through GoT for the first time since it ended. Just finished S6.
No_U_L7
07/22/21 10:51:22 PM
#5
UnholyMudcrab posted...
Winds of Winter is a fantastic episode, but I've found that after the spectacle wore off, Battle of the Bastards is just kind of annoying because of how dumb the tactics of the battle are


this too
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TopicRewatching through GoT for the first time since it ended. Just finished S6.
No_U_L7
07/22/21 10:48:07 PM
#2
it's still a fun rewatch tbh

but i never rewatched the last season
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Topicugh mumsy's emotional leveraging worked
No_U_L7
07/22/21 10:46:33 PM
#1
i made a few topics about how mumsy tried to get me to let her stay with me at my 1 BR condo for a few nights a year and i told her she couldn't and she nearly cried and started talking about how she took care of her mom when she was old and her mom didn't even leave her any inheritance

well i felt bad, so i invited her to my dinner with my sister this weekend

my sister texted me horrified asking why i did that so i explained

my sister then explained how mumsy told my sister after she was just doing that act to try and make me feel guilty

ugh, well played mumsy ._.
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 10:16:50 PM
#27
limp-bizkit-89 posted...


what about the inner walls though?

its all drywall/Sheetrock/plaster wall, you could maybe kick a wall and get into your neighbors condo. Or at least you can hear all the noise

It's probably not 3 feet between units buy its still super sturdy. Every time I've been I've never even heard a neighbor. Like I said, this is the nicest building in town. Several nba players have condos here

yunalenne10 posted...
I read only the first post. Looks good. (I imagine employment will not be an issue any time soon.)


Thanks! Yeah I have sturdy employment with the gov and unionized, so for the first time in a while I'm not worried about work
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TopicMight have just run a red light and died
No_U_L7
07/22/21 10:14:47 PM
#11
newhorrorguy posted...
Probably fine, the flashes and sound from.cameras are hard to miss. Glad you're ok.


Thanks! Drove by on the way home. Def no camera

So can't get ticket via camera

In order for cop to give ticket he has to personally see you do the traffic violation (since I wasn't pulled over its safe to assume no cop saw me)

And me and my car are physically fine

So everything should be good, just gotta be more careful. Mind has been too preoccupied with condo stuff. Been having trouble sleeping for same reason
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TopicMight have just run a red light and died
No_U_L7
07/22/21 9:00:22 PM
#1
Pulled up to the red

I swear I saw it turn green and then went

Almost got hit my oncoming car, I thought it ran the red

But then I looked in the rear view and saw all the cars that were next to me not moving and more oncoming traffic

Did I run a red? Am I in trouble? I didn't see a flash or any camera, but I'll double check
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 8:58:31 PM
#24
Sariana21 posted...
$10k doesn't sound like enough for construction, painting, and furniture. I would set aside at least twice that amount (and hope you don't need that much).

Agree with the PP about financing the car and investing the money, unless you have a bad credit rating. You can invest in index funds through a discount broker such as Charles Schwab, Fidelity, or Vanguard. A total market index is a good option.

No one needs three watches, and that part makes me suspect this whole thing is a joke post.

Also, do you have any income? Will your savings be getting any inflows during this time period?


Thanks, ill double the amount for condo stuff, it's not a huge place tho

I'm a watch enthusiast, I make posts about watches all the time

My income contributes 24% monthly to retirement and then pays my mortgage, food, clothes, vacation etc

Savings will depend on how much I spend on stuff month to month, but generally it gets close to 0
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 8:04:58 PM
#20
FabIe posted...


A lot of dealerships will give you a hella hard time paying in cash. They get a lot more incentives to have it financed with a lender. Therefore they pass some of those incentives onto you in the form of a rebate. For example, you can buy a 30k car in cash and pay 30k or you can finance 30k over 3 years and get a 2.5k rebate if you stay in the loan for 3 months. Then pay it off only accruing maybe 100 in interest and you essentially have a free $2400 discount.

Just don't be stupid and get an extended warranty.


ok so in that case i'd just do that and pay it off after 3 months...either way doesnt really matter for these calculations
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 8:01:29 PM
#17
LightningAce11 posted...

That's fine and all, but every day you're posting about spending exorbitant amounts of money while saving very little for retirement or investment.

Like you always seem to go for the most expensive option possible.


what lol

all my topics are about speculative condos and watches...all of which are included ITT

and 24% of my paycheck goes to my retirement, i'm no expert but i feel that's plenty

and yes, i like nice things. i don't see the issue with that
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 8:00:34 PM
#16
Pitlord_Special posted...
Why would you buy a new car in cash? Interest rates are low and youd make more money investing it and then financing the new car.


because idk how to invest (besides my 401k)

and i thought you get a better deal just buying cash
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 7:58:20 PM
#13
LightningAce11 posted...
Why do you like spending so much? It really feels like you're making up for something.


what...?

ive lived in the same apartment for 8 years with 800/month rent and used the same 10k car my parents gifted me for graduation since 2008

i'm 34, shouldn't i be looking to upgrade? what is the point of working 40 hours/week at an engineering job if i can't improve my quality of life
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 7:55:43 PM
#11
FabIe posted...
Imagine "owning" part of a building attached to other parts of buildings where you can have loud as fuck neighbors. It's like an apartment that you can't just leave whenever.


this building has 3 feet of solid concrete on every side of each unit, but nice try
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 7:48:21 PM
#7
YugiNoob posted...
Only if you rub your junk over every square inch of Taylor Swifts body


does a taylor swift westworld sex robot count?
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 7:47:48 PM
#5
Alucard188 posted...
Buy more watches and create a fleshlight out of them.


these 3 additions would already make my watch box overflow

Hummer 2 posted...
A condo is a pretty shitty investment. But if you're poor and have no self-discipline (which it appears you don't), sure go ahead.


im buying it for the location. it's the ultimate bachelor pad. nicest building in town. if i break even when i sell im happy, because it means i didnt pay rent

but im prepared to die in this condo
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Topiccan someone help me look over my personal finances
No_U_L7
07/22/21 7:44:03 PM
#1
i currently have 250k in cash

the downpayment for my condo is 150k

that leaves me with 100k after

im setting aside 10k for construction, painting and furniture

so down to 90k after im all done with my condo

shortly after that im planning on buying a new car in the range of 30k (i've been using the same car since 2008)

down to 60k

then i'm planning on buying 3 watches: a tudor at 4k, and 2 rolex at 6.5k each (17k total, although the rolex have years of waitlist)

that leaves me with 43k total left in the bank for emergencies, which is equivalent to about 6 months of expenses

does that sound right? is that enough?
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Topicjust calculated it....49% of my paycheck goes to deductions
No_U_L7
07/22/21 6:34:44 PM
#2
damn that's an obscene amount lol
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Topicjust calculated it....49% of my paycheck goes to deductions
No_U_L7
07/22/21 6:08:32 PM
#1
it baffles me why CE thinks mid 100s salary is "rich" in california lmao
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Topicwhy dont they just make a vaccine for the delta variant?
No_U_L7
07/22/21 4:35:35 PM
#1
cant be that hard right
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Topicif westworld sex robots existed, i would spend my entire net worth on them
No_U_L7
07/22/21 4:14:44 PM
#10
Fazeo13 posted...
Until they go rogue and bite ur pp off.


a fortune teller back in 94 did tell me that's how i would go
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Topicif westworld sex robots existed, i would spend my entire net worth on them
No_U_L7
07/22/21 4:06:24 PM
#7
WingsOfGood posted...


You have said before you weren't just about sex and wanted a real relationship. Guess that was a lie?


I didnt say that's what I wanted, I said I was open to it.. Why can't I have a real relationship with a westworld sex robot
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Topicif westworld sex robots existed, i would spend my entire net worth on them
No_U_L7
07/22/21 4:04:30 PM
#4
WingsOfGood posted...
But then real women would never touch you again.


But I would have westworld sex robots...
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Topicif westworld sex robots existed, i would spend my entire net worth on them
No_U_L7
07/22/21 4:02:08 PM
#2
prime katy perry, prime britney spears
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Topicif westworld sex robots existed, i would spend my entire net worth on them
No_U_L7
07/22/21 3:35:14 PM
#1
taylor swift, lana rhodes, kristen stewart i'd get all my favorites
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Topicmen that hang around the house shirtless have no class
No_U_L7
07/22/21 3:23:04 PM
#1
pants less im ok with
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TopicNext bj I'm gonna tell her I haven't been sucked like that since grade school
No_U_L7
07/22/21 12:51:19 AM
#1
It'll be hilarious lol
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Topicis loki x sylvie morally ok?
No_U_L7
07/21/21 7:22:06 PM
#1
or is that incest
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Topictoday is my monthly double taco bell day
No_U_L7
07/21/21 6:59:59 PM
#6
cuh posted...
Tomorrow they will have nacho fries


yep, it's why i had to get the nacho box and grande crunchwrap again

weekoldhotdog posted...
Isn't taco bell giving away a fiery taco for some basketball game that happened the other day?


yes, i got that too

MedeaLysistrata posted...
Has it really been a month since the last topic


where does the time go
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Topictoday is my monthly double taco bell day
No_U_L7
07/21/21 6:51:45 PM
#1
taco bell for lunch and dinner

what a joy
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Topicyour shift ends at 5 pm: at what time do you stop actually doing work?
No_U_L7
07/21/21 6:42:15 PM
#1
is 3:42 too early
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Topicwatching succession makes me sad i'll never be filthy rich
No_U_L7
07/21/21 5:35:34 PM
#20
limp-bizkit-89 posted...


technicalities. Youre always telling us about the newest watch you got, a different one every week, and now the condo. You say things that make it sound like youre pulling a cool 400k a year.

my point is that if true youre living basically paycheck to paycheck



no, im still living quite comfortably

also remember...i literally just got my condo. i was paying 800 a month in rent before that

and i talk about watches quite often...doesnt mean i buy a new 5k watch every week

i have 2 expensive watches and plan on buying a 3rd (and eventually a rolex)
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Topicwatching succession makes me sad i'll never be filthy rich
No_U_L7
07/21/21 5:33:40 PM
#18
Jabodie posted...
Personally, being filthy rich would probably mean a lot of fancy travel. Before people start lecturing, I know there are ways to travel on a budget. But I would travel in ~luxury~


that too, they take private jets everywhere

just fly in random girls from wherever to meet up
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TopicI legit do not get how people just regularly eat fast food
No_U_L7
07/21/21 5:31:38 PM
#38
Guys...I never said fast food is cheaper than cooking

I said it's not expensive enough to "hurt your wallet"

Fast food is objectively not expensive
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Topicwatching succession makes me sad i'll never be filthy rich
No_U_L7
07/21/21 5:28:34 PM
#15
limp-bizkit-89 posted...


mid 150ks salary and youre buying a watch over 5k a week and closing on condos selling for 500k?

bro youre either shit with money or a total liar


what? i only have 2 watches over 5k

you're also not factoring in taxes, retirement and other deductions

(i also do make below 150)
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Topicwatching succession makes me sad i'll never be filthy rich
No_U_L7
07/21/21 5:17:16 PM
#6
YookaLaylee posted...
It could still happen for yoy. Maybe youll win the lottery or get a big inheritance from a distant relative


nah, my family are all immigrants and poor af (before coming over)

everyone that came over and hit it big has their money spoken for

my family will leave me a good amount, but not that much

i never play the lottery

im content to have my mid 100s salary and 1k square foot condo in the nicest building in town
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