peregrin5

millennial who quit all social media except Reddit/Lemmy (now just Lemmy) nearly a decade ago now.

it’s great for my mental health. the only issue is that Facebook decided to take over as being the new Craigslist with Marketplace so I feel like I’m missing out on the best sales of used items because i refuse to make an account and give Zuck my data

curious as to the significance of mentioning “linux user” lol

Thanks!

What’s the difference between a backdoor roth and mega backdoor roth? you’re moving a 401k into a Roth?

my guess is my income in retirement will be less than my income now so I’m guessing my taxes will be lower?

thanks for the advice about finding an advisor!

I ain’t a high roller like some of y’all. But I’m wondering about some questions like “should I (and could I) do a backdoor Roth” or a “Roth 401k” and was wondering if I should talk to a financial advisor. But I don’t feel like I’m in the asset bracket for someone who has a “financial advisor” so I’m kind of scared to talk to one.

Did you guys have a financial person to talk to when you didn’t have a ton of money? If not, approximately at what level of assets did you talk to a financial advisor?

Depending on how much you saved you could maybe hit FIRE. otherwise if you’re just starting you might be able to hit FI but probably not the retire early part depending on your expenses.

I know some people that had lucrative jobs that lost them and had to go working part time at Office Depot though so maybe you’re like them and have a ton saved.

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I’m happy they’re scared.

How old are you?

Thanks for your candid response!

However it does confirm that I will never see these numbers in my lifetime.

A few Qs because I hate myself:

• what is your base salary?
• what is your pay currently?
• do you amend your base salary calculations when you get a raise?
• also what do you do that gives you a 20% raise every year?

What if you’re late 30s and not mid-20s? lol. jk I know I’m fucked.

I’m often asked to give money to people probably making quite a bit more than me when they have babies and such. Kind of feels like “forced donation”.

I know having a new baby will incur a lot more expenses but still.