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Oct 26 2018 11:00am
Quote (Adverb @ Oct 26 2018 10:00am)
I think it’s funny you can use your vats and dump 5 shots in that bear, but he just instantly downs you and your horse just bails in you lmfao


Lol, yepppp. I thought for sure I could take him. Took him at a distance, emptied a clip of the rifle and a few pistol shots. Clearly it's invincible, but that pissed me off.

This post was edited by jadeoshbogosh on Oct 26 2018 11:00am
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Oct 26 2018 11:28am
Long shot but whatever

Looking to start investing into my 401k but not sure what is a good percentage to do.
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Oct 26 2018 11:34am
Quote (BastardOfWinterfell @ Oct 26 2018 12:28pm)
Long shot but whatever

Looking to start investing into my 401k but not sure what is a good percentage to do.


6% is average, I believe.
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Oct 26 2018 11:37am
Quote (BastardOfWinterfell @ Oct 26 2018 01:28pm)
Long shot but whatever

Looking to start investing into my 401k but not sure what is a good percentage to do.


As much as you can - seriously.

The general room of thumb is 15% of your salary not including your employer match.

I would do the minimum amount needed to get your full employer match and put the remaining into a Roth IRA. They are easy to setup and your gains are non-taxable.

Lmk if you interested in more details. Investing is a side hobby of mine.
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Oct 26 2018 11:44am
Quote (TheE1337 @ Oct 26 2018 12:34pm)
6% is average, I believe.


Quote (joshd21 @ Oct 26 2018 12:37pm)
As much as you can - seriously.

The general room of thumb is 15% of your salary not including your employer match.

I would do the minimum amount needed to get your full employer match and put the remaining into a Roth IRA. They are easy to setup and your gains are non-taxable.

Lmk if you interested in more details. Investing is a side hobby of mine.


Thanks buzzins, going to look into it some more but 15% sounds a bit high. Don't wanna take too much out but wanna prepare for the future

Definitely gonna do some research before I decide
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Oct 26 2018 11:54am
Quote (BastardOfWinterfell @ Oct 26 2018 11:44am)
Thanks buzzins, going to look into it some more but 15% sounds a bit high. Don't wanna take too much out but wanna prepare for the future

Definitely gonna do some research before I decide


This is one of the main reasons I felt your "LOLREDDIT" comments were unsubstantiated. There are plenty of amazing subreddits for credit, personal finance and financial independence. I would highly recommend checking them out. Literally bumped my credit score 100 points in 7 months with those subs and the credit karma app. A lot of resources for setting aside money and investing for the future that I've marked for later once I get settled in my new city.
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Oct 26 2018 11:55am
Quote (joshd21 @ Oct 26 2018 11:37am)
As much as you can - seriously.

The general room of thumb is 15% of your salary not including your employer match.

I would do the minimum amount needed to get your full employer match and put the remaining into a Roth IRA. They are easy to setup and your gains are non-taxable.

Lmk if you interested in more details. Investing is a side hobby of mine.


that's not true. The taxes are just deferred until you take the money out
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Oct 26 2018 11:59am
Quote (Cheesehead @ Oct 26 2018 10:54am)
This is one of the main reasons I felt your "LOLREDDIT" comments were unsubstantiated. There are plenty of amazing subreddits for credit, personal finance and financial independence. I would highly recommend checking them out. Literally bumped my credit score 100 points in 7 months with those subs and the credit karma app. A lot of resources for setting aside money and investing for the future that I've marked for later once I get settled in my new city.


Inb4 one of his classic posts a few months later calling everyone who doesn't use reddit dumb.

10-15% is what you should be investing imo.

You're already behind and you need to be investing as much as you possibly can to get yourself on track.
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Oct 26 2018 12:04pm
Sooooo, my gf and I are looking to move to CO. Anyone from there or lived there and have any recommendations or experiences they can share?

Just looking for a change of scenery.
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Oct 26 2018 12:19pm
Quote (TheE1337 @ Oct 26 2018 11:04am)
Sooooo, my gf and I are looking to move to CO. Anyone from there or lived there and have any recommendations or experiences they can share?

Just looking for a change of scenery.


Spent some time there and I've had a few friends who have lived there. Could ask them about what it was like living there and post up their response if you want? Living in NM, CO was where pretty much where everyone who left went to. More progressive, can legally smoke ofc, better job market. There are a lot of rural areas/small towns, but it has thriving cities with phenomenal music scenes and enjoyable areas. Some crazy ass parties there as well. I'm not big on the whole rave/dance shit, but they have absolutely insane drug parties for that shit there.


Side note: I hate being fucking sick

Got a terrible sore throat and I can feel myself getting warmer/more fatigued. Shit fucking sucks.

This post was edited by jadeoshbogosh on Oct 26 2018 12:21pm
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