I think work at Oracle is going to be the opposite of exciting.

A stable job is far more valuable and the new one offers you an opportunity to get experience in a profession you are interested in. To me the answer is clear. Start your new job.

Leaving after 5 years in a job is not job hopping bro, there's nothing to feel remorse over here.

You gotta do what's best for you. Not a single soul in this world going to do it for you.

Okay. So we need some rmore information. 

After all your bills and fun, how much do you typically have left over at the end of the month? Anything? 

340k in assets vs 55k income is actually not bad at all. You will want to explore IRA and Roth IRA retirement vehicles so you can invest more of your assets safely, but you're at a little over 6x your income which is strong! You may not have a luxurious retirement, but you should be on pace to maintain your lifestyle. 

I would see if you can find a cheaper home you like or perhaps defray the cost with renting a room to a good friend. Spend no more than 100k on the home, Keep about 25k in liquid assets, and begin to invest in retirement platforms for the future. With 200k in investment, you will be in a decent, albeit not amazing spot. Far better than most Americans tbh. Enough that you deserve a breather.

If someone dumps you once (in ANY relationship), they could do it again... you were one of the first to go so you will be next time they are short on funding too. 

Take the new job, and in the meantime, look for an even better job.

Profits. CEOs will do anything, including killing jobs, to raise the bottom line.

Travel is my #1 joy.  So the more wealthy I get the less I set a limit. My wife and I counted up our vacations last year and we took 19 trips (about 5 longer ones and 12 long weekends).

I'm at the point (and you are to) where retirement is covered.  So if you're going to keep working why not go crazy with travel while your kids are young. I have yet to hear of a parent who regrets having travelled with their children when they were young and liked spending time with you.

They ALWAYS hype new technology..  It's why people call them cult leaders.

They do it to drive adoption and new users.
Kinda like a drug dealer finds new users. 

"This new ..... will make you more productive, faster, and efficient." Mmmm hmmmmm

You might be too young to remember this but they also said that mobile phones are going to lead to people working 4 days a week. They said remote work is the future due to the internet and by 2014 we would all have self driving cars.

Let's just say..... CEOs tend to predict what makes them money. If you know the financial incentive, you know what's up.

I've worked at Oracle before and it was the least productive I've been in my entire career. A lot of free soda and ping pong though.

 The old job will be firing you again within 5 months.  

How long is a string? 

You can organize a couple of domestic vacations that will knock the socks off of your family for a few thousand dollars a pop, or you can do one out of this world vacation every year or so for a few bucks more. 

I’d suggest saving on vacations while your kids are young and spending more on you and your wife when you’re empty nesters. 

And get a few travel credit cards to subsidize your travels.

We spend up to $100,000 for 2.5 of us on travel. It's a priority

I am a business consultant (under IT division). I currently work in commercial banking and my team work as bridge between IT and business. We do all the talking for IT folks and keep both IT and business in check.

Tbh, I don't think I want to move into any role which is too technical. When I first started my plan was to slowly shift towards the backend side but after working closely with some senior dev I realized it's not for me. My trades align towards communication and sales, and hence consultant jobs work out pretty great for me.

You're doing such an amazing job, and I really admire all the hard work and love you’ve poured into supporting your siblings. That’s something to be proud of.

I just want to share my thoughts based on your current financial situation, about $290K in savings, $50K in investments, no debt, and a $55K yearly income with not much left over each month.

If I were in your shoes, with less than 20 years until retirement, I’d be really cautious about buying a home right now. The upfront costs and long-term expenses of owning a home can be really overwhelming, things like a $20K roof replacement, $10K for a new AC down the line, rising property taxes, HOA fees, lawn care, and unexpected repairs. These can quickly drain your savings and leave you feeling stretched, especially on a tight monthly budget.

You also mentioned rising rent prices, but remember, property taxes often rise too. In some areas, it’s actually cheaper to rent than to own. Unless your income increases or you’re able to boost your retirement savings, homeownership might add more stress than stability.

I also wouldn’t recommend cashing out your $50K in investments. That money is an important part of your future. Instead of buying a home and taking on all those risks, maybe consider finding a more affordable place to rent, somewhere you really enjoy and feel good about.

Most importantly, I hope you know how much you’ve already accomplished. Owning a home isn’t the only path to security or happiness. It can come with a lot of hidden costs. I own a home, and while I’m grateful for it, I’ve spent a lot of money maintaining it and pay nearly $10K in property taxes every year, expenses I have to plan for in retirement.

**You deserve to enjoy life. If you keep saving and being smart with your money,** **maybe you can take those vacations you’ve put off. See the world and enjoy your freedom. You’ve earned it.**

They are trying to minimize costs and payroll is one thing they can easily cut to show short term growth. Long term is questionable with AI.

The sense of security provided by having “fuck you” money cannot be overstated: it doesn’t mean that you have to have millions at your disposal; enough to cover your bills for several months in the event of job loss or some other kind of financial emergency is fantastic.  Knowing you’ve got your retirement sorted out brings a peace of mind that I believe really allows people to psychologically relax in a way that few other things can.   

As with all things, having some balance is key: you don’t want to sacrifice your health in pursuit of money; there’s little point to being financially comfortable if it costs you the ability to enjoy it.  I think that being frugal is fine; but being über-cheap is not healthy.   

Frugality looks a little different for everyone, but it’s about sacrificing in areas where it makes sense to you to economize and spending an appropriate amount of money where it doesn’t, in my book.  So an extra chunk of change on something good quality and durable (that’s ideally BIFL) will usually make sense.  Similarly, splurging on things that bring you satisfaction, when you’re already ahead of the game with your finances, can make a ton of sense (and the items or experiences you splash out on might not make any sense to me personally, but that isn’t the point: if you reuse teabags to save enough to take a few days’ extra PTO because you love camping, fill your boots.  I don’t enjoy camping and wouldn’t go if someone paid me, let alone give up little luxuries for it, but that’s the beauty of it.  You economize so you can fund *your* wants).   

As the old saying goes, money can’t buy happiness.  But knowing you don’t need to worry about it can certainly be very fulfilling.

My brother did an IT internship at LinkedIn via Year Up in 2015.

On 4-14-25, he will start Meta via TEKsystems as a SWE.

Can you get a doctors note, to take some time off for stress leave?

Everyone wants a job they love. Realistically, that doesn't happen for the vast majority of people. 

You need to make choices.

Look for a job that's OK. Not love but not hate. Also a slight change of mindset may help. Jobs are a means to an end. A way to make money to pay for the things you do love.

If you don’t have anything keeping you in the current city that you’re in, I would advise looking for a job that pays around the same, in a lower cost of living area where you could buy a house cash for less than $200k. 

Majority of Texas is extremely cheap. If you want something nicer, on the coast.. Mayport/jacksonville Florida is cheap.

You don’t want to put all of your money into your house, and still have a mortgage. At this age, your savings is your retirement. Buy a house for less than $200k. Throw the extra $90k into investments. Now you’ve got $140k invested, making you money every year.

I love being frugal.  It makes me feel happy, too.   Having lots of savings feels comforting and gives me a sense of financial freedom.

I ended up with nose bleeds from a toxic boss; bottom line is that you can’t make it work.  It takes two & the other person doesn’t care.  Save yourself.

What kind of job is it? What part stresses you out?

It’s sad that we have to justify this line of thought. Sometimes I get caught up in “keeping up with the Joneses” but I always snap out of it pretty quickly. More stuff just means more overhead. Being minimalist is much easier!

**Edit:** Posts mentioning how Trump's economic policies impact, well... the economy and stocks, are being mass removed from r-stocks due to "no stocks being mentioned". I posted the exact same post I did here, there, and outlined both stock names and tickers. Seems like r-stocks mods, don't like hearing about how economy and business is down on the candidate they voted for...

\--

**What stocks this news impacts**

The **STOCKS and TICKERS** that are impacted by this by **economic policy** news are the following: Canadian ETFs (**XIC, EWC**) and Canadian companies that would benefit from a tariff reversal (**NTR, MG**)

**These stocks are expected to be impacted because was reported 2 hours ago that there's enough Republicans that have crossed the floor to work with Dems on a tariff removal resolution (just for Canada, not for the Liberation Day international tariffs)**

\- Democrat Senator Tim Kaine has launched a resolution in the US senate to reverse tariffs on Canadian imports to the US. It's co-sponsored by Senators Amy Klobuchar and Rand Paul.

\- To pass all Democrat senators need to support it, with support from 4 Republican senators. Mitch McConnell, Lisa Murkowski, and Susan Collins have voiced concerns with tariffs and are expected to support the resolution which would help it pass. Decision was expected either yesterday or today.

**Note**

\- This is not a political post, it makes no comment of if tariffs are good or bad, or if one party is better than the other.

\- The only thing this talks about is a new devolpment that enough senators across both parties may pass an economic policy reversal

\- This was first reported 2 hours ago, and was not previously posted

\- It is relevant to stocks and investing, as the economic outlook for many US/Canada listed stocks will change if tariffs are removed.

**Source**

[https://thehill.com/homenews/senate/5227360-donald-trump-mitch-mcconnell-gop-tariff-democrat-resolution/](https://thehill.com/homenews/senate/5227360-donald-trump-mitch-mcconnell-gop-tariff-democrat-resolution/)

[https://financialpost.com/news/u-s-senate-vote-challenge-trump-justification-tariffs](https://financialpost.com/news/u-s-senate-vote-challenge-trump-justification-tariffs)

[https://truthsocial.com/@realDonaldTrump/posts/114266599439835683](https://truthsocial.com/@realDonaldTrump/posts/114266599439835683)

4 Republican senators break from party to pass new Democrat resolution to reverse US tariffs on Canada - decision to happen today

Here is my way of trying to find alpha in an erratic stock market - how I'm trading the US tourism dip.

**1. Canada is the US's largest source of tourism**: In 2024, 20 million Canadian tourists visited the US, spent $20.5 billion, and supported 140,000 US jobs. Canada's population is 40 million, so 50% of the entire country visited, and the US had 77 million tourists so 1 country is contributing 26% of visits.

**2. Recent US policies is leading to a tourism boycott from Canadians, and the rest of the world**: Tourists are boycotting US tourism due to tariffs, annexation threats, new travel barriers, and stories of visitors being unlawfully detained with no due process (in March a Canadian citizen was denied entry due to an expired visa, while this was a worker and not a tourist, instead of being allowed to return to Canada, as is the norm, she was shackled in chains and sent to a private ICE facility for 2 weeks without being able to contact a lawyer or get a bed).

**3. Analysts previously predicted policies would decrease tourism by 5%, new numbers released this week show that it's 14x higher:** For Canada alone (26% of US's entire tourism industry with 20 million visitors) - airline travel is **down** **70%**, land travel is **down** **45%**, and **85%+** of tourists survey say they cancelled their US trips.

**4. Here's how I'm planning on using this information to make stock trades into specific companies both long and short:** I'm shorting airlines that have high exposure to Can-US routes (it's been reported that airlines are slashing these routes due to 0 demand, and they is no clear way they can cover this revenue gap with a lower utilized fleet). I'm shorting select hospitality chains (hotels, restaurants) with high exposure/retail foot print in US states that border Canada like Niagara Falls. The US travel association says that even just a 10% dip in tourists will lead to $2 billion in economic losses and 140,000 jobs at risk (assuming 70% decrease from air travel happens across the board, that's $14b), I expect hospitality to have lower revenues. I'm shorting all non-essential or higher price retailers with a big footprint in hostility states, all these workers being laid off by lack of tourism + the fed job cuts won't have as much to spend (not my specific trade, but an example would be short Target, long Dollar General).

I'm long, and buying, non-American/Europe hotel chains and travel booking platforms that get most of their revenue outside the US, as I expect Canadian and international tourists to concentrate their spend to Europe/Asia/Oceania travel this summer.

**Edit 5. How do the European/International figures play?**

It's important to note that the Canadian tourism numbers dipped after the policies that happened in point 2. And we're seeing what those numbers are a few months later now. The US admin is rolling out these policies across the board tomorrow during "Liberation Day". The point here is that we won't see the true vector of an internal tourism boycott both in terms of magnitude and direction until the policies that were enacted on Canada are enacted globally, and consumers have time to adjust behaviour. But if the Canadian consumer is any indication, I have more conviction in my trades. **A glimpse into this being a trend is a French travel company reporting to Bloomberg their Europe to US travel bookings are down 25%.**

**Edit 6. Example of the airline play**

Yes I know US airlines are already down a lot. Rode that wave and exited my shorts. Now I'm shorting Air Canada and ONEX (parent company of WestJet), since they have much more exposure to US-Can routes, and are cutting routes dramatically with no increase in capacity elsewhere

Also looking to short airline maitence companies, the food suppliers specific to flight food, and fuel refineries/storage those two airlines use, and retail stores with large exposure to airports that only see US/Canada travel.

But going long on regional air craft hangers since their smaller fleets are used the most for US/Canada travel, while their bigger fleets will still be active for the europe/asia flight routes that havn't seen impact on demand.

Would like to hear what everyone thinks about this trade play. Thanks!

**Source for numbers used**

* [https://theconversation.com/tourists-are-cancelling-trips-to-the-us-heres-how-this-could-affect-its-economy-252858](https://theconversation.com/tourists-are-cancelling-trips-to-the-us-heres-how-this-could-affect-its-economy-252858)
* [https://www.ustravel.org/press/potential-results-decline-canadian-travel-united-states](https://www.ustravel.org/press/potential-results-decline-canadian-travel-united-states)
* [https://www.nytimes.com/2025/03/28/world/canada/air-canada-flights-seats-us.html](https://www.nytimes.com/2025/03/28/world/canada/air-canada-flights-seats-us.html)
* [https://financialpost.com/news/canadian-us-shopping-trips-dwindle](https://financialpost.com/news/canadian-us-shopping-trips-dwindle)
* [https://www.discovercars.com/blog/us-travel-tourism-statistics](https://www.discovercars.com/blog/us-travel-tourism-statistics)
* [https://globalnews.ca/news/11080371/canadian-woman-detained-ice-example-immigration-border/](https://globalnews.ca/news/11080371/canadian-woman-detained-ice-example-immigration-border/)
* [https://www.express.co.uk/news/world/2028592/us-tourism-suffer-billion-drop-donald-trump](https://www.express.co.uk/news/world/2028592/us-tourism-suffer-billion-drop-donald-trump)
* [https://www.bloomberg.com/news/articles/2025-04-01/european-tourists-start-avoiding-the-us-as-unknown-territory](https://www.bloomberg.com/news/articles/2025-04-01/european-tourists-start-avoiding-the-us-as-unknown-territory)

US tourism officials sound alarm, tourist flights to US sink 70% and could impact up to 140k hospitality jobs and $14B in economic spending

I hit my FU money number recently—net worth of $1.8M at the age of 43. I realized I wasn’t going to get much farther ahead at my current company so I sort of chilled out on my work—taking on fewer projects, etc. 

Meanwhile I was casually looking for a new job that had fewer hours to consider barista FIRE. I got an offer from a new company which is paying me $40k more annually and I will only work a 36 hour work week. Plus I can retain benefits even if I reduce my hours to 20 a week.

I’m so excited!! I don’t think this would have transpired if I cared more about my current job. So many of my coworkers live paycheck to paycheck and it’s nice to have the ability to just walk away from a stressful job, start a new job working fewer hours for more money. I don’t have a mortgage that I’m tied to, I don’t have car payments, and I have enough liquid savings to cover any big emergency expense. FI is such a critical part of this lifestyle. I almost don’t care if I can RE because I have a low stress job that I can stay at for the rest of my career.

FU money led to …. more money

I’ve been at this engineering firm for 6 years. There is a toxic work culture and some big egos but I make it work. There is a history of overworking and underpaying. I have kicked ass the entire time and have been recognized for my work. I have not been properly compensated but have been promised to eventually receive a promotion into an executive role. After being shut down in December when requesting a reasonable raise I applied to a competitor. 

This competitor gave me a really nice offer and I accepted. Upon receiving my resignation I was offered an even larger counter offer with a “map” of my future positions and compensation. I’m tired of being there and want to move on but the counter offer is pretty wild. 

Any advice? Haven’t slept in days. I feel lost. I can give numbers if necessary. Thank you!!

Edit:

The results are unanimous. I really appreciate the advice. I need to move forward. Not back

Another update to my counter offer:

They just offered me the manager role today. 25k compensation increase every year including 2025 for 4 years. And large bonus increases beyond. I have it all in writing 

I accepted an offer and put in  a formal resignation. Then my employer put in a massive counter offer. Should I stay? Context below

Devin made a lot of noise last year. But where is it now? If I am correct, it's been more than 3 months since it became available to anybody for a price far below than a real SWE salary. Are there any results or practical use cases? 

Where is Devin?


When I was 20 years old I learned about the fire movement, so I started trying to be frugal and buy low cost index funds. That was 7 years ago and I’m still just as committed. If I stay the course I’ll probably be able to stop working at around 40 if I choose. 

I always hear people criticizing the fire movement saying you shouldn’t sacrifice your life just to fantasize about finally being happy when you can retire. This hasn’t been my experience. I’m pretty frugal, and I’m quite happy. I just know what I like. None of my interests cost much. Exercise and getting outside is my main passion. 

And I get a ton of enjoyment from feeling financially secure. So being frugal and investing gives me a sense of peace. Even though I don’t have enough assets to stop working, I at least know if something goes wrong i have a good buffer to get back on my feet. This brings me far more satisfaction than having some fancy car, or any other fancy item that’s supposed to make me happy. 

I just wanted to share because I feel like it’s rare I can relate to people on this. Especially in my age range. But there are definitely people much more frugal than me. I feel like I live a good life even though I don’t spend much. 


I get lots of satisfaction from being frugal and investing

My mother is 65 and just lost her job.  She wasn't ready (physically or financially) to retire until full age but fears she may have to because of the job market. I'm certain she has very little saved for retirement and is going to rely on social security. My mother is unmarried and lives alone in her own home. 

  
I am trying to help her navigate this next chapter. Should she apply for unemployment and look for a suitable full time job? The other thought is for her to collect "early" retirement and work part time. I fear the job market is too rough for her to find anything. My other fear is her collecting early and there be no turning back. 

  
I'd love any input or live experience anyone wants to share. I'll pass on any thoughts, advice, or feedback to her. 

65 and just let go from job

Don't know whether somebody needs it or not, but I will leave it here. I am a software developer and personally I am tired of all this AI buzz that's going around. You try to read something new about tech, learn something new, and you get overwhelmed with AI bros claiming that "something wild is going on it's gonna replace us all". Then some time passes and people forget about this and move to another hyped topic. 

The thing is, that software developer job is changing all the time. 10 years ago developers used completely different stack of tech. 15 years ago mobile developers as we know them today didn't exist. Gamedev was completely different years ago. So of course take 10 years from now and you'll have new generation of developers with new skills needed to keep working. Nevertheless, there still be lot's of legacy that works as it always worked. Like right now there are code written in the previous century that is still working and people who support it do not care about new version of Python.

If you want to work in this field, learn the basics, learn new skills and build what you like and everything gonna be ok. It's not that easy to switch to CS after a month in bootcamp as it were some years ago, but it was an anomaly. But it is completely possible. Just believe in yourself. I don't think that software development jobs will go away anytime soon, because who is more suited for guiding all ghis code generating tools than us? In their current form they are not able to solve real life problems on their own and it doesn't look like they will any time soon.

If you are afraid that AI will replace you as a developer, think that if this happens, it will replace not only you but millions of other people and you won't be alone. At least :)

Also I'll share this advice. I stopped using reddit for a month in January and it was great. It's so beautiful to stay away from all the hype, made me more calm and I spend great time living my life. I think I will repeat it again. So if you feel anxious because of the news, stay away from them for a while. Delete social media apps or add rate limits at least. I am sure it will make you more productive and happy.

My humble take on the future of cs careers

Hi everyone. My partner and I are in disagreement about this. Im looking for someone to help me understand the actual numbers here.

I want to start making an extra mortgage payment to our principal each year. (And receiving tax refunds seems like a good time to do it.) Im aware that it can shave *years* off the mortgage. 

My partner disagrees because they argue that we do not plan to actually pay off the house we are currently living in. We hope to buy a new home in the next 5-10 years (depending on market).

We have been in this home for exactly 3 years now. Its our first home. Our mortgage paymemt is $3942/mo, which includes our impound account. 

Here is the current exact breakdown from our last payment:

Interest rate:  4%
Principal:  $968.72
Interest:   $1876.68
Taxes/Ins:  $1096.69

I believe that even if we planned to sell in 5 years, it would still make a positive impact to throw an extra $4k at the principal each year. I know it woukd have an imoact on the amount of interest we are paying. But I dont know how to do the math to prove it to him. 

My partner is willing to do it if the numbers make sense. But he feels it would be no different than just throwing $4k into a savings account. 

We have the income to support it, so thats not an issue.

Can someone point me to a calculator that will help us? Or walk me through the math? Im curious to see even what sort of impact an extra 3k, 4k, or 5k a year might have?

Also, does it make a difference if we do a lump sum each year? Or is it better to add an extra $350ish toward the principal with each monthly payment?

Thank you everyone!


Making an extra mortgage payment every year

I’m a single mom and I had my daughter at 15 but i also graduated and immediately started college the same month. Im currently working a dead end job at $15/hr and failing my classes I just don’t have the time or energy to continue with college for a job I know I won’t even enjoy. Anyone know of any career paths I can attempt to follow just to make enough money to live? I have two years of customer service experience at starbucks but I know I can’t move up with this company. I’m good with my finances but i also still live at home with my parents and desperately want to just be able to survive in the world on my own. 

What can i do to make $50k without a degree?

Are high-tech CEOs deliberately creating artificial hype by claiming that people will lose their jobs faster than ever and that AI will take over all tasks?

I have noticed many billionaires frequently making statements about AI replacing jobs. Is this truly possible?

How can businesses survive if there is no demand for their goods because people, having lost their jobs, lack the money to spend

Are CEOs Hyping AI to Kill Jobs ?

Hey all. Grew up without much of an education. Had to take care of siblings with a single mom. But i managed to work hard over the years..

I have 290k in savings. 50k in investments. I have no debt. My biggest bill is rent - $1600 a month. I dont have a house which is my biggest worry at this point in my life. I only make about 55k a year so most of my money goes to paying bills i.e. rent, food, etc. I don't have much left when all is said and done esp with rent rising. I haven't taken a real vacation in 10 yrs. But im okay with it. God has dealt me this hand, and im doing my best and by the grace of god, hopefully, ill catch a break somewhere. But this is where i am..

I am thinking about several things atm...and i hope some of you brilliant minds can guide me..

a. Should i buy a decent home (390k) with a HUGE downpayment (290k) to bring my monthly cost down. So will prob borrow $100k over 15yrs (ill be 60 when im done paying). But i will still have a $1500 to $1600 mortgage, and saving would be very slow or non existent with my income. I prob wont be able to retire. and have to work at an undesirable age. this has been giving me debilitating anxiety for the past few years. OR..

b. Look for a cheap home and buying it with cash (prob 330k'ish, have to withdraw my 50k investment). If done this way, i wont have a mortgage and interest to return. . Just have to pay property taxes. But at least ill have money left over that i can save every year (guessing around 12k-15k? a year in savings from having no mortgage), and every penny from today till my end of working career that sum will go to some type of investment that would hopefully compound. I will live in small ugly home but its a home, OR

c. listen to you guys in here, and follow your advise with whatever you guys throw at me. Ill listen to anything really..

I do realize the math above doesnt include all kinds of other cost in buying homes. Yes i know that. But for the sake of argument, lets just pretend these are the numbers and they already include all the other costs.

I am in dire need of advise. Some of you guys are so fucking brilliant around here, it makes me almost wnat to cry sometimes. Makes me feel so inadequate everytime i come in here. I wish i knew all this growing up. My life would be very different. But thats neither here nor there. This is where i am, and im coming to you guys for advise. This whole no house, no retirement is scaring me to death. I'd like to stop crying myself to sleep at some point. PLease be kind to me lol.

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

EDIT: Guys,.. i cant begin to thank you enough for all these helpful advise and nice comments. I wish i could sit each and everyone of your down at a dinner table for some donuts and coffee and let yall take me to wallstreet school lol. Just know that i read all of your comments and although i wish to reply to every single one of you, i feel like my questions would sound repetitive and i would just be asking everyone the same damn thing..They would all just be questions if should i buy a cheap home with cash?? I want to so bad, because that frees up soooo much of money from interest. I feel as though i can rest easy.. or easier.

But I am at work at the moment, and i will be shifting thru these comments and replying later tonight. If i dont reply to you, it doesnt mean that your advise/comment was ignored; i promise you, ALLLL your comments are noted, and hand on a bible, i am 100% thankful and appreciative of them. God knows i need all the help i can at this point of my life cause I am scared to death.

45. No debt. No retirement. Renting. Help me make a decision with what i have.


39M, wife 39, sons 10 and 5. Net worth 5.5M. HHI 750k, medium HCOL area. Not fat fire yet but aspire to be in 10 years. 

Taxes take their chunk, we invest about 200-250k per year between all vehicles, and yearly spend maybe 150-175k, but there’s still some meat left on the bone and we want to prioritize travel. 

The last decade has been spent building the net worth from -250k and raising kids. Never had much money growing up and didn’t travel much, so the thought of taking 3+ trips per year that cost 10k+ is so foreign to me, but the numbers would easily work. The previous two years my wife and I have taken some nice trips to Europe, but only one per year as well as a few trips to Disney. We’re ready to travel more and I’d like to take three nice trips per year (two with kids, one with just the wife). 

How much are you guys spending yearly in travel? How much would you be spending in my shoes? Seems like a simple question but I’m curious what others do. TIA 


How much to spend on yearly vacations?

I don't like to work in a job that I don't like, and yet the days pass and I'm 35 and I don't know what the future holds for me

I looked for a job I love and failed, and now I'm unemployed. What's the solution?

I have 5yoe as a backend/data engineer. Currently make $140k fully remote. But I’m super burnt out with this job. There’s no WLB. I’m constantly working 12+ hours a day because of scope creep and new “critical” deadlines. I’ve been pushing back for months but it never ends. My boss is also a micromanager.

I’ve been thinking about finding a new job for months for my sanity, and honestly don’t need a massive jump. Like $150k+ would be nice. Just want chiller hours, my mental health is down the drain. Is it worth job hopping in this market, or should I just stick it out for now?

I have limited mental energy so I don’t wanna waste my time on leetcoding/applying if it isn’t fruitful.

Worth job-hopping as an experienced dev in this market?

I was working as a case manager in a company dedicated to offer social services with immigrants. Unfortunately, we stopped receiving federal funds and almost all the employees were laid-off, including me. I recently had an interview for a case manager/legal assistant position in a personal injury law firm. The interviewer was very nice with me and after some days she offered me 18$ p/h and the typical benefits. I was already interested in studying paralegal studies so I could be become a proper legal assistant some day, so this looked like a great opportunity. I accepted, and I'm expected to start this Monday.

Now. Today my previous company is calling me back. It looks like they got fundings again until September of this year and are asking if I can come back. And now... I'm confused. Honestly, I loved working there. It was my first professional job ever. The commute was decent, they paid me more (24$ p/h, but it was salary, so I was paid 53.000 a year) and they offered 145PTO and unlimited sick days. I never held any grudge against them since I understood it was because we didn't have any funds. But it's unstable, they already laid me off once, and they are already saying that this is only until September. Maybe something happens again, and I'm laid off before that.

I don't know what to do, I can't even believe I'm in this position. What job should I choose? My previous job looks better in almost any aspect, better pay, better commute, great work environment; but it's unstable. It was already unstable since December and then, we were laid-off. The legal assistant job looks good too. It's stable. Offers 14 vacation days per year, insurance, but less pay and larger commute.

I was laid-off and after one month I found a new job I was about to start. Now the previous company is calling me back. What should I do?

Maybe you started off as help desk or IT? Maybe software test? Maybe solutions engineer? 

Were you able to move to dev? Or did you like what you landed on? Maybe you did some secure code and went to cyber security? Maybe project management? 

How has your journey been so far? 

People who took a non software engineering position to get a foot in the door, how is it going for you?

I hate waking up and going to this job. I have a decent education and am currently working with a "career coach" to think about what I want. But while that's going on I'm miserable. It's not even the tasks I have to do but the absolute toxic environment I'm in. I can't discuss this with my boss. He "keeps me small" (Is this an expression in English?). So im not allowed to formally to do certain things but i am expected to do stuff above my pay grade, if that makes sense? What can i do to survive this 

It's 2am and I'm lying awake with stomach pain because I hate my job so much. What can I do to make this work?

So I work for a startup and it pays great. The team is great, the company has funding. But the only issue l just feel like I never have exciting work. And I feel very out of place at the company. At least once every week I give up and think of leaving. 

Finally I have an offer, in the economy yes, from oracle. The team seems great and more importantly the work seems meaningful. But I have heard not so great reviews about oracle. The pay is also not great. It’s not an increase in pay but going to be about the same (Lesser base pay though but more in stocks).  I don’t know if I should take the offer or wait? 

Edit: I must clarify, the work at my current job is also not adding anything to my profile. While interviewing with other companies I realized I had no skills to add to my resume and whatever I was adding seemed too little for someone at my pay grade. 

Should I quit my job and join Oracle?

Quint and Allie talk about accruing for larger expenses and how to be a DIY Budgeteer!

Budget Accruals

In this “Best Of” episode of The Rich Dad Radio Show, we’re bringing you the most jaw-dropping, insightful, and important moments of the year. From global economic threats and the collapse of the dollar to war-driven resource grabs and the rise (and risk) of AI — this is a fast-paced highlight reel you can’t afford to miss.You’ll hear from top minds like Richard Duncan, Gerald Celente, Jay Martin, and more as they break down what’s really happening in the economy — beyond the headlines. Whether it's China’s technological dominance, America’s ballooning debt, or the danger lurking in your 401(k), these five clips deliver the wake-up call every investor and entrepreneur needs before 2025.Want to know how the rich are preparing for the next crash? Wondering what tariffs, inflation, and digital currency mean for your money? Curious how to actually build wealth during chaos?This episode has it all. Take notes, and get ready to make smarter moves in 2025.-----Are you getting richer or poorer? While the government prints trillions and inflates away your savings, wealthy investors are shielding themselves with gold & silver. Priority Gold’s FREE Wealth Defense Guide shows you exactly how to legally move your IRA or 401(k) into precious metals—100% tax-free (U.S. residents only).Claim the Free Guide: https://kit.prioritygold.com/richdad/?msid=56086&oid=223&affid=94&sub1=Fedseize&sub2=0331&sub3=YT Call 866-703-9595 or  Text GOLD to 24999 to learn how to add gold and silver to your retirement savings today.-----Please read carefully.This is not financial advice.You may be asking, “what does that mean?”Let me explain…Do not just do what I, my team, or my guest says. That would be stupid and irresponsible. Take the education, then use your own brain and make your own decisions.YOU must take responsibility for your future and your success. That is why you are here. Neither I, or my team, or my guests, know your risk levels, prior education, emotional maturity, or how much money you can afford to lose. We are only telling you what we believe to be smart moves. But you must decide for yourself. There are NEVER guarantees. Also understand that we are REAL teachers. We practice what we preach. With that in mind we often invest in the very projects that may be mentioned on this show. While it is never our intent, we could possibly profit from others investing in our recommendations.Take the education we provide but then determine your own actions. If it does not make sense to you, get more education before you invest. We will continue to provide education and there will always be more opportunities.

In this “Best Of” episode of The Rich Dad Radio Show, we’re bringing you the most jaw-dropping, insightful, and important moments of the year. From global economic threats and the collapse of the dollar to war-driven resource grabs and the rise (and risk) of AI — this is a fast-paced highlight reel you can’t afford to miss. You’ll hear from top minds like Richard Duncan, Gerald Celente, Jay Martin, and more as they break down what’s really happening in the economy — beyond the headlines. Whether it&#39;s China’s technological dominance, America’s ballooning debt, or the danger lurking in your 401(k), these five clips deliver the wake-up call every investor and entrepreneur needs before 2025. <ul><li>Want to know how the rich are preparing for the next crash? </li><li>Wondering what tariffs, inflation, and digital currency mean for your money? </li><li>Curious how to actually build wealth during chaos?</li></ul>This episode has it all. Take notes, and get ready to make smarter moves in 2025. ----- Are you getting richer or poorer? While the government prints trillions and inflates away your savings, wealthy investors are shielding themselves with gold &amp; silver. Priority Gold’s FREE Wealth Defense Guide shows you exactly how to legally move your IRA or 401(k) into precious metals—100% tax-free (U.S. residents only). Claim the Free Guide: <a href="https://kit.prioritygold.com/richdad/?msid&#61;56086&amp;oid&#61;223&amp;affid&#61;94&amp;sub1&#61;Fedseize&amp;sub2&#61;0331&amp;sub3&#61;YT" rel="nofollow">https://kit.prioritygold.com/richdad/?msid&#61;56086&amp;oid&#61;223&amp;affid&#61;94&amp;sub1&#61;Fedseize&amp;sub2&#61;0331&amp;sub3&#61;YT</a>  Call <a href="https://tel" rel="nofollow">866-703-9595</a> or  Text GOLD to 24999 to learn how to add gold and silver to your retirement savings today. ----- Please read carefully. This is not financial advice. You may be asking, “what does that mean?” Let me explain… Do not just do what I, my team, or my guest says. That would be stupid and irresponsible. Take the education, then use your own brain and make your own decisions. YOU must take responsibility for your future and your success. That is why you are here. Neither I, or my team, or my guests, know your risk levels, prior education, emotional maturity, or how much money you can afford to lose.  We are only telling you what we believe to be smart moves. But you must decide for yourself. There are NEVER guarantees.  Also understand that we are REAL teachers. We practice what we preach. With that in mind we often invest in the very projects that may be mentioned on this show. While it is never our intent, we could possibly profit from others investing in our recommendations. Take the education we provide but then determine your own actions. If it does not make sense to you, get more education before you invest. We will continue to provide education and there will always be more opportunities.

5 Shocking Predictions for 2025

#864 Most people get this wrong. In fact, I also missed this crucial content hack for years. When I finally figured it out, everything changed. How's that for a hook? If your posts, podcasts, videos, or emails aren't converting, I won't make you wait to find out more. Here's the tip. Whatever you're creating, start with the title. This is the first thing people see, often determining whether they give your content a chance. A catchy title won't just get you more clicks. This shift in the process will also inspire you to create in new ways and come up with next-level ideas that have the potential to go viral. Listen in on today's episode to hear an example of how I'm using this trick on my Pokémon YouTube channel for big results. I'll also share ten powerful title frameworks to teach how to grab attention and engage your ideal audience. Listen in! Show notes and more at SmartPassiveIncome.com/session864.***Today’s episode is brought to you by Incogni. Reduce the volume of spam calls and emails and lower your risk of identity theft with Incogni. For being a listener of this show, you’ll receive 60% off an annual plan by using the exclusive promo code smartpassive. Go to https://incogni.com/smartpassive.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#864 Most people get this wrong. In fact, I also missed this crucial content hack for years. When I finally figured it out, everything changed. How&#39;s that for a hook? If your posts, podcasts, videos, or emails aren&#39;t converting, I won&#39;t make you wait to find out more. Here&#39;s the tip. Whatever you&#39;re creating, start with the title. This is the first thing people see, often determining whether they give your content a chance. A catchy title won&#39;t just get you more clicks. This shift in the process will also inspire you to create in new ways and come up with next-level ideas that have the potential to go viral. Listen in on today&#39;s episode to hear an example of how I&#39;m using this trick on my Pokémon YouTube channel for big results. I&#39;ll also share ten powerful title frameworks to teach how to grab attention and engage your ideal audience. Listen in! Show notes and more at <a href="https://www.smartpassiveincome.com/session864" rel="nofollow">SmartPassiveIncome.com/session864</a>.***Today’s episode is brought to you by Incogni. Reduce the volume of spam calls and emails and lower your risk of identity theft with Incogni. For being a listener of this show, you’ll receive 60% off an annual plan by using the exclusive promo code smartpassive. Go to <a href="https://incogni.com/smartpassive" rel="nofollow">https://incogni.com/smartpassive</a>.See Privacy Policy at <a href="https://art19.com/privacy" rel="nofollow">https://art19.com/privacy</a> and California Privacy Notice at <a href="https://art19.com/privacy#do-not-sell-my-info" rel="nofollow">https://art19.com/privacy#do-not-sell-my-info</a>.

SPI 864: From Content Chaos to Conversion Machine—The Approach Smart Creators Use

A particular headline perfectly captures the reason behind recent fears: "Goldman Raises Odds of US Recession to 35%" With all of this noise, fear is completely normal. So what should you do about it? Watch us answer this question and more in this week's edition of Ask Money Guy!Jump start your journey with our FREE financial resourcesReach your goals faster with our productsTake the relationship to the next level: become a clientSubscribe on YouTube for early access and go beyond the podcastConnect with us on social media for more contentBring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

A particular headline perfectly captures the reason behind recent fears: &#34;Goldman Raises Odds of US Recession to 35%&#34; With all of this noise, fear is completely normal. So what should you do about it? Watch us answer this question and more in this week&#39;s edition of Ask Money Guy! <a href="https://bit.ly/3mB2p69" rel="nofollow">Jump start your journey with our FREE financial resources</a><a href="https://bit.ly/3mxuhIt" rel="nofollow">Reach your goals faster with our products</a><a href="https://bit.ly/2Y4TqQJ" rel="nofollow">Take the relationship to the next level: become a client</a><a href="https://bit.ly/3gxyUOH" rel="nofollow">Subscribe on YouTube for early access and go beyond the podcast</a>Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices" rel="nofollow">megaphone.fm/adchoices</a>

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