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Quick qstn - I'm receiving HRA of 24075 from my employer but I would like dhow the rent paid as 96k p.a (while filing ITR). Even if I do so, I was only able to get exemption of 24075 from gross. Checking if we can speak to payroll department to increase Actual HRA since I'm actually paying more rent than compared. Will I be able to do so ?Deloitte Newco EY Accenture Genpact KPMG
How is the AMEX account in IBM?
Paid off my account debt!
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NTA. As someone who has only recently gotten out of the bad habits of your friend - it's an emotional/mindset issue, not a lack of knowledge one, and until she confronts whatever is driving the spending habits, be it adhd dopamine seeking, or trauma-based f'd up relationships with money, no amount of advice is going to make a dent.
About 5 years of therapy to get to the root of the issues that were causing me to use spending as a self-soothing behaviour, + adhd diagnosis and medication to help cope with the dopamine seeking and impulse control issues.
I'm now chipping away at the $12k in credit card debt, but I at least have 3mo of savings instead of being paycheck to paycheck
Tell her to all-in ETH
Rising Star
It’s not your problem. Stop wasting energy on this and just tell her straight up that you’ve helped where you could and she needs to go to a financial planner. Stop the conversation when she brings it up. The end
Rising Star
I don’t know what AITA means
Rising Star
Oh, then I say no.
Chief
NTA, she's an adult. You don't have to help her. You've already done more than enough.
If you're not a licensed financial advisor, be careful with giving "financial advice" also since you may be caught into this weird liability.
Right now her issue is due to own spending. But if she were to put money into investments on whatever you suggested, things could get tricky.
What I would give to be making 100k+. Maybe she’s just reckless period. You’re not the asshole, maybe she just needs to find a financial advisor. Since you two are friends, I’d draw the line and redirect her to that suggestion.
Enthusiast
No, you’ve done all that you can. It’s up to her to heed your advice or just plan to work for life (or marry someone who can support her)
No savings??
Conversation Starter
No savings!
Have you expressly told her what spending behaviors not to do?
I had to do that with someone else to get change
LG&LG you did what you could
NTA
Rising Star
Reddit.com lol
NTA. her money, your boundaries
Yeah sounds like an any other issue drinking, over eating, drugs, etc. the person struggling has to make these changes when they decide to take responsibility for themselves
Enthusiast
Point her to YNAB.com and help her get a real, actual budget set up. You don’t have to be living paycheck to paycheck to get something out of it, but it’s supposedly really helpful if you are.
Chief
Direct her to Voya