Seeking Financial Advice on Home Savings and Debt Management
2024.11.29 17:40 Seektruth2146 Seeking Financial Advice on Home Savings and Debt Management
Hello,
I am a 30-year-old male, married to my 32-year-old wife, and we currently reside in Georgia. While we make a comfortable income, it is modest, and we prioritize financial stability over a luxurious lifestyle. After taxes, our monthly take-home income is approximately $3,200–$3,500.
We are currently renting but aspire to own a home in the future. Our ideal scenario involves moving out West to a property with 2–10 acres of land, featuring a modest home of approximately 1,200–1,400 square feet with 2 bedrooms and 2 bathrooms. We are not looking for anything extravagant but are feeling behind in achieving this goal.
I am in my final semester of nursing school and expect to graduate in May. My current retirement savings total $67,000, which I know is behind where I’d like to be. I contribute 15% of my income to a Roth 401(k) with a 6% company match. My wife has a Roth IRA with a balance of $4,000 but no other retirement accounts. One of our financial goals is to maximize contributions to both her Roth IRA and mine in the near future.
On average, we save between $400 and $1,000 per month, depending on our spending habits. All of our debts are paid off except for my car loan. My wife drives a 2023 Corolla that is fully paid off, while I drive a 2024 Corolla with an outstanding loan balance of $21,000. We currently have $27,000 in cash savings, with $21,000 of that in an Ally high-yield savings account and the remainder in checking accounts.
We aim to save a 20–40% down payment for either land or a home, but we are concerned about rising home prices potentially pricing us out of the market. If we were to pay off my car loan, it would leave us with approximately $6,000–$7,000 in cash reserves but eliminate $457 in monthly payments, allowing us to increase our savings rate.
My main concern is how best to prioritize saving for a home while managing existing debt and building a solid emergency fund. Should we focus on saving an additional $10,000–$15,000 and then pay off the car loan, or would it be wiser to continue making minimum payments while aggressively saving for a home and building a 6-month emergency fund?
I would greatly appreciate any advice or insights on the most strategic approach to achieving our financial goals.
submitted by Seektruth2146 to TheMoneyGuy [link] [comments]
2024.11.29 17:40 z617z 16 dpo
 | The last test was taken on 11/28, around 16 dpo. I think my lines are progressing nicely, and I’m trying to stop testing. I had a miscarriage earlier this year and while I did get dye stealers with that pregnancy, my lines took forever to darken. Fingers crossed for a rainbow baby ❤️ submitted by z617z to TFABLinePorn [link] [comments] |
2024.11.29 17:40 Particular_Log_3594 Orthodox Jewish protestor in Israel blames Zionism for animosity towards Jews
submitted by Particular_Log_3594 to WorkersStrikeBack [link] [comments]
2024.11.29 17:40 AdreKiseque Nintendo Files Patent That Prohibits People From Developing Video Games
 | submitted by AdreKiseque to tomorrow [link] [comments] |
2024.11.29 17:40 Yamureska Black Friday Haul (Not the Final Price I got him at)
 | submitted by Yamureska to SHFiguarts [link] [comments] |
2024.11.29 17:40 yunkzilla [WTS] Saint Victor pistol upper 7.5"
Timestamp: https://imgur.com/a/NzE4cds
Saint Victor 7.5" factory-assembled pistol upper in 5.56/.223 with BCG and Springfield Saint Victor blast-diverted muzzle for AR pistols.
The only change is the Radian charging handle.
*Does not come with any scopes, lights, pressure pads, or the foreground.
Fired less than 100 rounds
$500 + shipping
submitted by yunkzilla to GunAccessoriesForSale [link] [comments]
2024.11.29 17:40 Professional-Cut6642 Dealing with My Wife’s Toxic Family
Longtime lurker here, so I’m not sure if this is the right sub for this, but I need some advice or perspective. Kinda lengthy.
In simple terms, my wife’s mom has always been described to me as emotionally and mentally abusive. Narcissistic, even. This started to come out about midway into our relationship. Back when we were dating, there were times when I’d pick my wife up from her house, and she’d just break down in tears but wouldn’t tell me why. Other days, she’d give me the cold shoulder without an explanation. I stupidly assumed she might be cheating on me and went through her phone out of frustration, only to find out she had been venting about her mother, and rightfully so.
After that, I backed off and gave her space until one day, she finally opened up to me. She broke it all down and even showed me her diaries detailing what she’d gone through with her mom. It was horrifying, distasteful, disappointing, and heartbreaking. I couldn’t believe she grew up in that kind of environment. I despise the way her mom treated her and her siblings emotionally, mentally, and sometimes physically. When I brought this up to my wife, her older brother overheard and took my MIL’s side, saying I don’t know what I was talking about (I did) and it almost got physical between us. I didn’t want to risk my wife getting in trouble so I let it go as her brother used to physically abuse my wife with their mom’s approval.
When we announced our engagement, the hatred from my MIL and her brother was so obvious. Her mom nitpicked every detail of our relationship (that she hardly knew about), claiming my wife wouldn’t be able to handle marriage, and insulted her openly in front of me. Of course, I defended my wife, but she just tapped me and said, “It’s okay, don’t worry about it, they’re just like that. Don’t bother.” She smiled at me with tears in her eyes. I said, hell no.
Before we got married, I told her I wasn’t going to allow this kind of treatment. We argued about it, and I admit I came off a little controlling, but I genuinely believed it was for her own good and I still do. I told her that once we were married, she’d need to cut her mom off completely and anyone who sided with her mom would have to go too. My wife was hesitant at first but eventually agreed. I assured her that her mom wasn’t going to change anytime soon. After knowing her for 3.5 years at the time, I was confident of that.
The day after we got married, we changed our phone numbers and deleted all our social media. My wife had been keeping in touch with her sister since they were close, but even that had to stop because her sister kept reporting back to their mom, calling my wife selfish for cutting contact. Eventually, we sold our place and moved to a new state.
About a year later, they found my number online and texted me. The message basically accused me of forcing my wife to ghost them (I did), being controlling (debatable), and having no right to keep them out of our lives (maybe). They even said my wife would see through me and leave (highly doubtful but maybe). I changed my number again and moved on. This was about 5 years ago.
A few weeks ago, my wife got an email from her brother saying the family wants to apologize and visit us for Thanksgiving. She told me about it and said she was considering giving them a chance since so much time had passed. I immediately told her no. I said this is just another attempt to creep back into her life and regain control, especially now that we have kids (they don’t know about them). She somewhat agreed then started falling back into old habits like being distant, giving me the cold shoulder, and not being as talkative as usual. This is normal for us and I understand why; it’s a tough situation for her.
I’ve tried to express to her that while I sympathize and see where she’s coming from, this feels like an emotional manipulation tactic. The holidays are the perfect time to pull at her heartstrings. I told her she can’t make a decision based on emotions alone, and since then, she’s been really upset. Usually, we work through things after a few days, but this time feels different. For the first time, I honestly feel like she might budge and let them back in.
It wouldn’t be a dealbreaker for me if she did, but I hate them. I can’t stand the idea of letting that toxicity back into our lives especially hers.. the insults, the manipulation, the arguments about how and why I made her cut them off. On top of that, I know my MIL will try to control our kids too when she finds out about them.
All in all, I’m glad I took my wife away from them, and I don’t regret it. She’s a very forgiving, sweet person, but I’m at a loss here. How do I navigate this without it getting ugly? Or before things go left?
submitted by Professional-Cut6642 to Marriage [link] [comments]
2024.11.29 17:40 Aggressive-Cookie222 Attention reptile lovers!
December 7th and 8th 10am -4pm Little River Exotics will be hosting a reptile show.
submitted by Aggressive-Cookie222 to MyrtleBeach [link] [comments]
2024.11.29 17:40 AtheistPlumber Any idea what cause this build up?
 | I run across this often, and have never been able to figure out what causes this build up to occur. I always see it on a recirculating line and when someone has a water softener. As you can see in the pictures, there no hole in the ball valve under the build up. Some spots are wet, but nothing is leaking. The mineral build up is not salt. Does anyone know what causes that? You can see it's tarnishing the brass, so it's corrosive. submitted by AtheistPlumber to askaplumber [link] [comments] |
2024.11.29 17:40 Edivad_Official HD60 X audio cracking/popping is driving me crazy
As a lot of people, I'm having this annoying popping/cracking audio issue (on both 4K Utility and OBS) with my Elgato HD60 X. Following are things that I've already tried:
- Cables changing (both USB-C to USB-A changed with a USB-C to USB-C 3.2 Gen2x2 with a transfer speed of 20Gbps and 2.1 HDMI, only for the Output since for Input I'm still using the PS5 one. I've tried also to connect my Nintendo Switch, thinking that PS5 could be the problem; of course, it wasn't). - 4K Utility updating (1.7.14 10283) ; HD60 X Firmware update ( 23.04.26 MCU 23.04.25) - BIOS update. Motherboard Audio Drivers update. VGA Drivers update. - Tried every USB port. - Disconnected every other USB Cable thinking of an overcharge.
I also attach my PC Specs:
Windows 11 Home 64-bit AMD Ryzen 7 7700 32GB Corsair VENGEANCE RGB DDR5 5200MHz (2x16) ASUS PRIME X670-P WIFI (AM5) 8 GB ZOTAC GAMING GEFORCE RTX 4060 Ti
One interesting thing about some tests on OBS is that if I add an Input Audio Source (selecting Elgato HD60 X) it sounds good; it starts to crack/pop when I add also the Video Source.
submitted by Edivad_Official to elgato [link] [comments]
2024.11.29 17:40 TwobyfFour Obsessives. What live track and venue do you recognise in milli-seconds of the song coming on?
For me it`s Voodoo Chile (Slight Return) at the Atlanta pop festival. That gig had such a distinctive sound.
Maybe New Rising Sun at Berkley.
submitted by TwobyfFour to jimihendrix [link] [comments]
2024.11.29 17:40 Jack_Ingoff__ Does dieting get easier after the surgery?
Ive been having a hard time sticking to the diet, and im afraid i might not make it after surgery. Just recently runned my last exam, so i might undergo the surgery on January, if there are no delays on the health insurance side. Any tips?
submitted by Jack_Ingoff__ to BariatricSurgery [link] [comments]
2024.11.29 17:40 CountSignificant6698 alright, who did it
 | who gave this guy MORE FOOD to eat. submitted by CountSignificant6698 to fatsquirrelhate [link] [comments] |
2024.11.29 17:40 Dependent-Phone7496 Real tough people
 | submitted by Dependent-Phone7496 to animeindian [link] [comments] |
2024.11.29 17:40 RandomShake Keeping miners alive?
When I miner is turned into a mummy is that an instant kill? Or will they turn back eventually?
submitted by RandomShake to MetalSlugTactics [link] [comments]
2024.11.29 17:40 dbabbitt Javier Milei, free-market revolutionary
 | submitted by dbabbitt to anarchocapitalism [link] [comments] |
2024.11.29 17:40 Few_Beautiful8437 Apex Pro TKL Dongle help
I have just bought an apex pro 2023 tkl secondhand, however it has not come with the dongle, I am not returning it as I have got it for an insanely low price (was considered defective until i calibrated it), is it possible to use the TKL mini dongle with this keyboard or will I have to wait for the actual dongle to be in stock? I need the dongle to update the keyboard.
submitted by Few_Beautiful8437 to steelseries [link] [comments]
2024.11.29 17:40 Minimum-Junket8929 Level 2 survey, lots of issues urgently requiring attention, should I be worried?
Hi everyone,
FTB just had a level 2 survey done on a ground floor flat which is part of a mansion block built in the early 1900’s in London. The survey had lots of things to repair urgently which was alarming but wanted to check if there are any really big red flags or is this just to expected?. It is share of freehold and here’s a summary of the key points:
Key Concerns:
- External Walls: The external walls are in poor condition, with cracking and deterioration. This could lead to moisture penetration and other issues.
- Windows: The windows are old and in need of repair or replacement. Some have cracked panes or misted panels, which can affect energy efficiency and security.
- External Doors: The main entrance door is in poor condition, with significant signs of aging and timber rot. It also lacks safety glass, posing a potential hazard.
- Ceilings: The ceilings show signs of deterioration, with cracking and paint peeling. This is likely due to the age of the property and lack of proper lintels.
- Floors: The floors are uneven in places, and there's a risk of hidden defects beneath the floor coverings.
- Dampness: Dampness was noted in the kitchen and rear bedroom (a small amount), indicating potential issues with the chimney or ventilation. High dampness found near chimney brests.
- Heavy staining and moss was noted to the hoppers and joints. We recommend these be replaced and the leakage is discharging onto the subject property walls.
- Air bricks are visible to the property. The front air brick is broken which could allow for pest/rodents to ingress and should be replaced.
- Outbuildings and Common Services: The communal areas are in a dated condition and require improvements. The shed in the garden has a leaking roof.
- Japanese Knotweed: While no Japanese Knotweed was noted during the inspection, it could be present but dormant. A specialist survey is recommended.
- Hazardous Materials: There's a risk of hidden hazardous materials used in the building's construction. Further enquiries and potential testing may be needed.
- Timber Defects: Significant timber deterioration was noted in the windows, and there's a risk of insect infestation or rot in other timber elements.
Thanks in advance for your help.
submitted by Minimum-Junket8929 to HousingUK [link] [comments]
2024.11.29 17:40 BrielleWhisper now thats what i need to hear
 | submitted by BrielleWhisper to lovememes [link] [comments] |
2024.11.29 17:40 kingkrims0n Did I break something critical
 | I had a minor clog around the nozzle of my A1 mini. While cleaning the nozzle, I broke/pulled a piece of rubber from behind the nozzle latch. Pictures show it better. I’m not sure if it is a critical component? What is it and should I replace it? Thanks submitted by kingkrims0n to BambuLab [link] [comments] |
2024.11.29 17:40 SuperbEffort37 Best and worst experiences as an ID
I'm curious to know what more senior IDs have experienced in their careers in terms of best/worst managers, teams, projects, and/or companies.
If you have a story to share, I think it will help bring insight to new IDs or anyone struggling with "sticking it out a few more months."
What did you like about your best experience?
What could have changed in your worst experience that would have made you stay?
What questions have you found to be successful in job interviews to try to detect toxic managers or other deal-breakers?
I know folks can find general career guidance, but I think consolidating stories from more experienced IDs in a single post would be interesting and helpful.
submitted by SuperbEffort37 to instructionaldesign [link] [comments]
2024.11.29 17:40 Mysterious_Self2707 Daemon Prince w wings vs Plagueburst Crawler
So I've been running a Daemon Prince with wings in my list and I'm not sold on him for the points cost. I'm looking at either running a Plague burst Crawlers or a Predator Annihilator I'm current running one Predator Destructor.
Which would you recommend?
submitted by Mysterious_Self2707 to deathguard40k [link] [comments]
2024.11.29 17:40 No-Perspective2580 Okarun and his power
Okay so I'm not fully catch up with the manga, but I know that he loses Turbo Granny's power as he got both his balls back. I also know the he does retain some of that strength and speed and can even be in Empty Space, so clearly he has something.
So I gotta ask, how long do you think Turboless Okarun (I guess since he doesn't have the powers, he should be called Okawalk now lol) saga will last. How useful is he because of it??
Idk, it was a question that I was thinking about. I've seen an article saying how they just axed his powers and I'm like "Well duh, that's kinda what happens when your end of the deal is made? Give him his balls back and Turbo Granny gets her powers back, done and dusted", but it made me think how are they handling it in the series? As I don't see Tatsu axing away his powers, but something has to come up from this.
It's bad when characters in shonen are pushed away to the side lines due to power creep, so it'll be very jarring to see one of the main characters in that fate.
submitted by No-Perspective2580 to Dandadan [link] [comments]
2024.11.29 17:40 3dividedby0 More photos, which is your favorite?
submitted by 3dividedby0 to FrontiersOfPandora [link] [comments]
2024.11.29 17:40 CherryBlossomEnding Golden Child - 2024 Fan-Con 'CHAPTER' in Japan (D-1 Teaser - Hong Joochan)
 | submitted by CherryBlossomEnding to kpop [link] [comments] |