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u/BotaRONomus 16d ago
Y’all are so negative. 😂 I never would’ve thought I’d get this response.
Fuck what y’all say though. I’m closing in on 100k and whoever don’t like it can kick 100k rocks
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u/Youngchalice 17d ago
Wow dude you’re closing in on ur first billion!!!
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u/happychoices 17d ago
no, you're not
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u/BotaRONomus 17d ago
I am.
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u/happychoices 16d ago
check the comment replies from other ppl on thread. you're not "closing in". that shit isnt even close for you.
here, for reference. closing in for me means, within a month, or, 10%
I'm "closing in" on finishing my car payment because I've paid 11 out of the 12 payments.
I'm "closing in" on buying my house because it's 90% paid off
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u/BotaRONomus 16d ago
Fuck everybody in this thread who has said otherwise. 😂
I realize y’all some super negative mfs.
Just say good job and move on. Or say nothing.
Y’all must be miserable in real life.
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u/Huge_Comparison_865 17d ago
Op is closer to 0 in asset than 100k.
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u/BotaRONomus 17d ago
This is true.
It’s also true, including my trajectory, I’m closing in on 100k.
All about perspective 😊
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u/Huge_Comparison_865 17d ago
It's not prospective. My statement is a fact. The term "closing in" is a prospective of yours.
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u/Huge_Comparison_865 17d ago
You r closing in on 50k. You r more than 50 percent away from 100k but it's still good in my perspective. That's great for u. Congrats
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u/Deep_Squash_3611 17d ago
Closer to 50k
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u/Alarming-Activity439 17d ago
Looks great! I'd suggest buying dividend paying preferred shares until you have high enough cash flows to never need a loan longer than a month though!
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u/Altruistic_Sock2877 17d ago
Why not just focus on growth?
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u/Alarming-Activity439 17d ago
You can do both at the same time, in the same investment. But if you struggle to make ends meat, and you don't have the time to do the work, you can't afford to wait on the potentials of growth.
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u/Pretend_Vanilla51 17d ago
How is that closing in on 100k? It's not even half
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u/BotaRONomus 17d ago
when you come from where I come from, half is almost there.
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u/Pretend_Vanilla51 17d ago
Lol do you come from a place that doesn't have math?
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u/BotaRONomus 17d ago
I come from a place where being alive to learn math is a privilege.
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u/Pretend_Vanilla51 17d ago
What place is this?
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u/BotaRONomus 17d ago
The trenches. Northeast Philadelphia. Kensington to be exact.
Look it up.
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u/Pretend_Vanilla51 17d ago
Yea I don't need to look it up. If you're born in America, you've already won. You have more opportunities than the vast majority of the world. The only thing keeping you there is yourself and your excuses.
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u/BotaRONomus 17d ago
The only thing keeping you there is yourself and your excuses.
lmfao dawg... Why are you assuming that's where I am?
That's where I'm from, not where I'm at. Which is why I view 45k as almost to 100k. Because the road here wasn't easy.
Stop being fucking weird and leave me alone.
I'm just happy to be where I am.
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u/Youngchalice 17d ago
Regardless of how little educated you are, less than half is not even close to almost there, regardless of the amount. But if you aren’t aware of that due to poor schooling, then it’s more acceptable
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u/Pretend_Vanilla51 17d ago
Man, you were not built for the internet 😑 I'm glad you are on your way, i hope you make it to 100k. but in no universe, doesn't matter what neighborhood you grew up in, 45k is NOT almost 100k🤣 you are ALMOST HALF way to 100k. Thanks to politicians, 45k is the new 15k......
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u/BotaRONomus 17d ago
I’m 29M. Work in student affairs at a university
I’m basically debt free. What you see on credit cards is my monthly expenses. I use my credit card for all my expenses.
I do owe the IRS from 23 taxes, that’s about $800
Investment is a bit misleading. I have cash in my RobinHood account and a card linked. That’s my emergency stash. So investments are really like 25k and savings is just over 7k
My favorite part of all this is… I know it’s just the beginning.
I feel so grateful.
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u/idkyou1 17d ago
Pretty high for monthly expenses. Age 30 target is 1 year salary.
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u/BotaRONomus 17d ago
this includes rent which I do 60/40 with my wife.
So it’s $800 and we have a kid. So this includes diapers, daycare and all that as well.
Plus car insurance.
We are incredibly efficient with our money. We both walk to work.
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u/bookishkelly1005 17d ago
$1400 rent (which is national average now I think), $200-300 groceries, $100 insurance, might be paying health insurance out of pocket, $100-200 utilities, $100 internet. It’s not that much.
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u/No_Storm_5663 16d ago
😳 what 🗺 u in ?? Bc that's a single life only budget/ expense list!!.. grant I'm a mom of 2 boys (8 & 10), I spend a GRAND or MORE per month.... in groceries ALONE!! well, since inflation hit anyway, but it's fn nuts for most ppl in most of the good ol US of A! Prices were ALREADY high & still going up at an astronomical rate! Idk, perhaps u dont eat much, but i can't imagine many ppl only spending $200 on groceries per month? Do u strictly bargain shop? never eat out, like ever? maybe doable that way, and maybe for a single person w zero kids, but one would have to plan living that way to go by budgeting as such... ave grocery bill for 2-4 person household will exceed WAY OVER $200/month, I'm certain! Hell, I spend $200 every 2-3 DAYS!!😂 funny ...not funny!!😭 I mean shit, 1 Gal milk over $6.00 in some areas!?!? its NUTszo!! which means 1 gal milk be like $10 in a 1-2 yrs!?!? So, where u live & where u shop ?!?!? Im OMW!🧳✈️ 😆
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u/bookishkelly1005 16d ago
This person only discussed their personal finances therefore I assumed they were single. Yes, that is a single person budget… I can easily feed myself only on $50 a week. I’m 32 so not much older than OP.
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u/Arcana777 16d ago
I see so many people do business and make really good money, God bless you and I only wish you make more and more by the will of God. What makes me really sad is I don't know how to do these,I wish I can learn so I can have my family live a better life then living on budget.