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Crossroads Toyota Motor Sales, USA, Inc. I have been with the organization almost 6 years and have accomplished achievement of my MSL (Masters Strategic Leadership) and LOVE the organization…BUT…I am not having any success in moving into a new position…my interviews are great experiences but it seems to be a pattern of not being selected yet encouraged to continue applying…received information from a mentor/manager to ask for candid feedback…when is enough…ENOUGH??
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29 1M in net assets. (1.2 in real estate, 160k in stocks, 45k retirement) I’d recommend 2 things if I could talk to my past self. 1 take on a riskier job. I was working off commission for awhile. 2, cash in the bank is a depreciation asset. If you live in a place you can use that cash for maybe a house hack or something (Google it) may help you get where you want to go. Also, this may be wrong and is not financial advice, but I feel our generation will retire when our secondary income covers primary. 401k and SS will not cover much. Ss will be gone.
Typically it will require you to be out there. House hacking is still an option in California.
I am 41 and married (with 2 kids), my wife makes as much as I do. We have an aptmt ~350k full paid, a house with 500k equity, investment portfolio 200k, 300k in 401k of mine and similar for my wife, and about 200k cash. We lived well below are means and working together to make and save. I have about 50k when I was 29, no loans. I think you are at a good path.
You guys are killing it! Awesome to hear.
You have much, much more than the vast majority of your peers. $25k is fantastic for someone even a decade older.
@accenture1 what is this formula for?
I'm 25, reading your comments, y'all give me anxiety,.😂🤣
24 with over 25 k liquid (savings) and another 25k invested. I invest $600 mo in an individual brokerage account primarily in index funds and ETF’s and always max out my Roth IRA in addition.
If you wanna feel better about yourself, here's what the avg Americans have saved
29, nothing saved after a brutal divorce, left everything (apartment, money) to ex-husband just to get away
I’m sorry you’ve had to deal with that. Takes a lot of courage to start fresh
I'm 28 and I have 6k. I suck at saving money 😂
Yup we put it in the dark part of our mind to not remember
An advice from me, compare how much skills and knowledge you had 5 years ago and now. If you don't see much difference, then your money is worthless because you are not investing in yourself.
Beautiful 🫀
You're doing far better than most. Keep in mind that there is a selection bias in the people who tend to report these high figures on places like here and Reddit and Bogleheads. It's not representative of the general population. When I was 25 I think I had about 12k in my retirement and like $300 in savings. Now I'm 31 and thanks to a substantial salary increase, aggressive saving, and unusually favorable and sustained market conditions, I've got around 650k spread across my savings, taxable investments, and retirement accounts.
225k. started my career late at 25 with 17k. playing catchup in my mid-30s now
Im 26, 0 rupee.
About to turn 29, $110K in retirement & $120K in real estate
House flip was only $25K tho
I feel like you’re fine- just be consistent. I’m 24 F & have about $75k saved but only because I lived with my parents all throughout college and throughout the pandemic. I literally just moved out on my own two months ago
SC1 - my roommates (parents) are Russian so no sleepovers at their place - that’s a strict no. But I would sometimes sleepover at my ex boyfriends place but my roomies did not like that 😔 but i didn’t care that much to stop 😄 that’s a partial reason why I decided to move out… at a certain age you don’t want your parents knowing every move you’re making 🤭
I feel the same "behind" you do in other aspects of my life.
I try to turn that around though. It's not fair to compare present-tense Me with Me-from-10-or-20 years ago in some metrics (my mile time) just like it's not fair to judge college-Me to present-tense-Me on other metrics (earnings, net wealth).
It's also not very productive, even if it's more fair, to compare me to my next-door neighbor.
Instead, I try to channel any kind of inferiority I might feel into working harder. If I detect something where I feel superior, I try to balance that out with humility and charity and by remembering that most of these metrics are pretty fleeting.
If 50 more years, everyone looking at this will be dead or close-to, and none of us will care about any of this, provided we basically did a few basic smart things.
It sounds like you're well on your way to doing those basic, smart things. Keep up the good work.
You’re doing fine!! The big lesson is making sure you have a habit of saving built into your life. When you get raises, make sure you adjust your savings rate (ie don’t automatically plug it to lifestyle bumps without thinking it through)
When I was 25 I was ~ 90k in debt and just finishing my undergrad degree, before articling to get my designation.. I live in a high cost of living city and have had no family support since I was 18. I worked about 20-30 hours a week while in full time school to help buffer the cost but this place is damn expensive.
33 years old and have 40k saved. Saving is hard. Depends on what your making vs cost of living and expenses. I am trying to put something in savings each paycheck.
I’m a 25F making $75K/y. Hopefully getting promoted to $90K/y in Feb (please cross your fingers).
I have ~$67K saved across two different types of savings accounts in addition to just over $17K in a 401K.
Not going to lie, I lived with my parents for a year after grad which helped me save extra $$. Using my employer’s health & wellness benefits saves me on my monthly gym membership, and I cook my own meals to save $$.
Saved including 401k, savings, investments?
About 20-30k
$200k at 32 from Automated savings that have increased as DINK income has increased over time. Looking to purchase an income property with that amount (house hacking).
25, 135K saved up. Living at home, saving as much as possible to buy my first home.