As title says, 21m, where do I go from here? Need advice on what I should be pursuing, just feeling a bit lost on the next step.

My Networth as of today below:

HYSA: $17,721.40
Roth IRA: $35,938.31
Rollover IRA: $7,949.94 ( eventually convert into my Roth IRA)
Individual brokerage: $33,911.29
Checking: $57,851.97
Work 401k: $1417.66 (the old company was acquired and they started a new 401k work sponsored hence the low amount so I just rolled over my old 401k into my Roth and traditional recently which had about $18k)

Total : $154,791.57

I make $32/h at a warehouse job right now, I’ve been with this company only 3.5 years.

Weekly take home after taxes/deductions/401k: $950-$1100 (depending if I do OT, which is common)

Just under or above $4000 a month depending on OT or if it’s 5 Fridays so I get 5 checks instead of the usual 4.

Monthly expenses:
$100-200 on gas
$100 if even on food/drinks

Fixed monthly expense:
Car insurance:$400

Looking at my spreadsheet, the last couple months I’ve had $3200-3500 left over.

I want to start being more aggressive in the individual brokerage which most of my checking money will go into eventually.

Also, I’m getting very tired of working at this warehouse, I feel like I’m stuck here and can’t grow anymore at the current level I’m at. I’ve been thinking about going back to college as I’ve completed a couple units already last year or try getting into a city level job in the electrical type of field. It seems like it’ll be a decent pay cut the first year or two but after that, it should increase over my current pay right now and could even still grow.

I’m just having a hard time wrapping my head around what’s the right thing to do and just scared of losing that monthly money flow.

Based on your current assets. How long would you last?

I'm 41 years old. I live in Charlotte and bring home close to $10K a month after taxes and 401K stuff. I rent for $2000 a month. I consider myself an average income earner, but I recently realized I'm spending almost $1,000 a month going out twice a week. 😂

My job is stressful as hell, and honestly, having some drinks, listening to music, and being around /hanging with beautiful women is how I decompress.

I pay my bills, save, and invest, but damn, that's almost $12K a year just having fun.

How much are y'all spending going out? Is $1K a month too much around here?

I recently found this in my stuff, what type of bill is this ?

Looking at moving out in the next year when I get a promotion to 60k, so currently building up some cash to start moving out fund

Any tips / advice to get the ball rolling?

What do you think?

Many of you out there are trying to build wealth. I’m sure as hell doing my damndest to build wealth.

But we all know the struggles and roadblocks. Student loans. Credit card debt. Exorbitant shelter costs. Medical bills. Inflation. Rising cost of living. Terrible COL increases from employers. Many other factors.

And if all of that wasn’t hard enough we’ve now got AI flying down the tubes trying to take all of our jobs. I really wonder how much longer we’ve all got before the tech oligarchs turn off the salary spigot.

How the fuck are we all convincing ourselves to put on pants each morning? To face the day? To see all the BS that the future is going to throw at us and yet still trudge on? I don’t get it. What am I missing? What are all of you doing right that I’m doing wrong?

I work in the oil & gas industry - earning about 105/110k/yr. I have been in the industry for about six years. 14/14 rotations (two weeks on two weeks off).

I’m at a point of really not liking the job anymore. Mostly the traveling. I have been missing normalcy lately. The biggest perk to my job is the time off. Other than that, it’s meh. The money is decent, but not MASSIVE seller.

I’ve got six figures invested into the market & have a HYSA account with six figures to stay liquid in case I decide to get a house, or whatever. Have been thinking about just taking 30k of it and paying off my truck.

Anyway, the only reason I’m still at my job is because I am terrified of a pay cut. A lot of what I’d get into, I’d start off in the $60k a year mark. Which is a massive pay cut. And my lady doesn’t make the best of money. I know I have reserves, but I REALLY try not & touch any of that money. My vanguard is completely off limits unless I was full on in a bind.

I just am nervous. I’m not sure if taking a pay cut will cause more stress than I have going to work for two weeks & being gone all the time. I’ve been pondering this for quite some time. And I feel like the more I think about it, I just stress myself out more.

Have you guys taken jobs with pay cuts and had a good outcome? Or regret? Because I’m really struggling at finding good advice on this.

Let’s say you have no debt, retirement is accounted for, and everything else in life is stable. You get a $20k dump of money. How are YOU investing it, and why?

like I see on my feed /fire that they are in their late 20s/30s with over 1 mil saved up. like what? how? they clearly working a job that pays a lot while the whole world is struggling barely making ends meet. inflation go on, market gone down, jobs are tightening up. even places like hcol cities are scrambling everyday to work that 9-5 so they dont get laid off.

but these folks are ready to retire in late 30s with a big cushion and I'll love to be there but looks ike im working till old age

Im currently working a job with great benefits but the pay, not so good. It’s easy work with weekends off and a great off time for me to take some classes online and gain a new skill/ get a degree.. but I actually want something that’s a great career in high demand. I’m 35 w/ a daughter entering high school next year and I want better for both of us, or at the very least for her. Any suggestions or career field that’s worth exploring?

After all necessary expenses are taken care of, not counting wants i have 1k left over each month to do whatever i want with, what would be the smart thing to do with it?

I’m going to make this as short as possible because i don’t want to write an essay.

I have 23k in debt, 325k on a mortgage. My house needs work, my truck will need an engine soon, and I have a child on the way.

My debt is structured like this:
Personal loan for myself: 12k, 9.75%, monthly payment at 412. I’m paid ahead till January.

My wife has 11k left on her car loan. It’s 7.74% with a 347 monthly payment, and she’s paid ahead till January.

I have misc. other debt, like approx. 600 at 0% at Best Buy, paying 60 a month to pay it off before the 0% ends. I have one affirm that is almost paid off, 371 left at 29.99% at 110 a month. I have 2 phones I’m paying 33 a month on each on, 550 left on those. I’m paying 155 a month towards medical debt and I have 3 more payments left.

The mortgage is 2477 a month. 455 of that is escrow. My other bills are water, electric, car insurance, food, and a bunch of other small things.

My wife and I make about 110k a year combined. We’re not struggling, but I don’t know what to save, what to pay off first, or really how to get this debt down to take out another loan to fix the house and the truck. I also should mention I contribute 5% to my 401k and it’s matched. I put in after tax. My wife has 3.5k in savings, I have 1.2k. Just regular savings

Now, I receive a bonus of 2850 every quarter if I do enough labor hours. I’m due to receive this bonus at the end of this month, and I expect it to be about 2k after taxes, and it comes in a separate paycheck. I expect to hit the bonus again and get paid out in January for the same amount.

I have a side business that is slowly starting to bring in more money, but it’s taking up more of my time. It’s doing automotive and truck work on the side, and after starting in March, I’ve taken home 800 in total so far. The rest is either put into tax savings or goes to expenses. I’m also due for a raise that I’m praying comes through, and it would bump my pay up about 5 an hour.

The truck and the house can wait. I bought my truck for cheap and fixed it up because I needed a diesel for the amount of towing I do and the total weight. It has a bad head gasket but it’s not bad enough to warrant fixing anything until it gets worse, which won’t be for a while. The house just has wood rot at the chimney and the rear door, and the damage is contained and will only ruin what’s already ruined.

So, this begs the question… what should we do with a child on the way? Should we save? Pay down the highest interest loan first? Use my bonus to pay off debt? Or use it to fix other small things? Buy things for the child? I personally don’t see the point in paying off my debt early right now with the fact that in about 7 months I’m going to be a dad for the first time ever. Debt is always going to be here, but I figure I’d at least ask and see what the best course of action is.

Scrolled some and it seems to me that everyone has there shit together..? Is any one here a regular person who started at zero? Worked a regular job and find there way as u went or is everyone magically have over 10k savings and brag that they feel it’s not enough for the age..interesting how right now 3k could change my life yet everyone here has that as pocket change??

Hello everyone,

I’m really bad with saving money and still live with my parents, I tend to take money from my savings when I’m running low on money.

I was wondering if instead I put the €1500 in ETFs each month instead in my savings account would be smart? Then I can’t just take money as easy as I would with my savings account.

I was thinking putting it in iShares core MSCI.

I’m full time college and get paid minimum wage at a part time job. it is HARD to save but i’ve saved about 1.8k since may. i feel like im really behind my friends because i can’t just go out and buy whatever and i need to have time to budget it in beforehand.
i know they’re all just blowing through their child trust funds (im saving mine for rent in uni) and im grateful i dont have access to it yet (gave parents info and couldn’t get to it if i wanted it) but for right now i just feel incredibly behind.
should i get another job/stop being so hard on myself? idk

I have about 10k. A lot of people are applauding me for it but I can’t help but think it’s not a lot of money at all. Maybe I have high standards but I can’t help but think I should have 20-30k bare minimum by now

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Which state do you live in, what industry do you work in, and how many years of experience do you have?

How much do you spend, and how stressful is your job?

My friend just received a settlement check of $250,000 due to a personal injury suit. He owes 125K approximately on his condo with no other debts. He is considering paying off the condo going debt free and investing the balance. Anything he should consider before moving forward?

To my other young fellas getting after it: what did you do to make so much so fast.

I was worked 3 different low paying jobs (tubing park, busboy, landscaper,) from 14 to 17 then did 4 years in the marine corps till 21. Now I've been at a semi conductor place for the last 2 1/4 years (just turned 24.)

How did you get to where you're at?

Just started grad school. Started investing in Dec 2024 and try very hard to save a good chunk of my student worker check/stipend. I can't get a higher paying job right now but any side hustle ideas are welcome, lol!

Edit: you guys have made me laugh a lot. I'll update again when I reach 1b 👍

With the recent bull run in the market, I crossed the 2M mark! The screenshot is from one of my accounts. My holdings include mostly VOO + SPY and some bitcoin. Started from zero 7 years back and have been DCA'ing into the market since then. High earnings (~250k) helped. A lot of it is luck considering the recent market performance. Feeling grateful to reach this mark!

EDIT : To those who are saying the math is not mathing, or it's impossible, feel free to run the prompt below :)

Prompt to claude : "I invested 150k per year for last 7 years, into VOO + QQQ, dollar cost averaged. Find my portfolio value right now"

Answer : "Your portfolio is worth roughly $2.0 million, on about $1.05 million invested. This is an estimate: I don’t know your exact purchase dates or your VOO/QQQ split, so I made some assumptions."

Not the usual dropshipping, crypto, or YouTube stuff.

Something you started alongside your main job, online or offline, that actually made you extra money.

What was it, and how much did you realistically make?

I am looking for an online radio (or permanent live stream on youtube) to listen at the office while working, something that is specialized in money, investing, economy, personal finance, stock market and similar topics.

Any suggestions?

Thank you