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Senior UI / UX Designer (aka Sr. Interaction Designer) wanted at Ernst & Young.
Full-time, fully remote.
Adobe XD knowledge required.
Location negotiation, *even if not listed in job post*.
Competetive salary, annual bonus, unlimited PTO, and 2 extra weeks paid holiday when firm shuts down for July 4th and Christmas. Several other great benefits.
DM me or reply below - Will provide direct referral to recruiter and hiring manager for a qualified candidate:
https://careers.ey.com/ey/job/Atlanta-Interaction-Designer%2C-Senior-Associate-Various-Locations-GA-30308/832749001/
Is simplify healthcare is good company to join?
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Additional Posts in FIRE Financial Independence Retire Early
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Things move super slow for the first million.
Unless you;
- inherited money or
- got super lucky with your investments or
- in the top 1% in your field or
- Come up with a brilliant business idea; you should not compare it with the one in your example.
If you make the first million by your 40s, you are one out of 20 financially well-planned individuals in US.
Currently 47 years old. Married with 2 kids (17 and 14). Bad decisions and gambling addiction in my early 20’s and had 0 401k/savings until 2005. Kind of hit the reset button when I got married and started with a new company. Total household income was about $70k in 2005. I got one promotion in 2008 and total household income went into the low $100’s. Never adjusted our standard of living and saved all of the leftovers.
I got a large promotion into management in 2015 (which forced us to move) and our household income went to $160k plus cash/stock bonuses (not guaranteed) up to 150% of my base salary. Still no major changes to our lifestyle. Paid off $270k mortgage in 2022. We live well below our means, take 1 very nice vacation each year and stay the course.
No debt. Currently sitting at about $1M in liquid assets between brokerage and emergency fund. $1.9M in 401k.
How did we get there?
1.) Avoid lifestyle creep as income increases. Can’t stress enough how important this is. Keeping up with the Jonses derails many retirement plans.
2.) Luck. Company stock did me very well over the years. Roughly 1/2 of our brokerage account is a result of that stock. Company stock outperformed the S&P 500 by about 4x since 2006. Very risky to leave that many eggs in one basket, but we have diversified most of it over the past 2 years.
3.) Clear plan and aligned goals. Both sides of the marriage need to be on board with the saving plan. It will not work if your goals are not aligned with your spouse.
4.) Avoid lifestyle creep and keeping up with the Jonses
5. Take advantage of whatever 401k match your company has. Max out HSA and don’t use it. Pay off debt with interest that’s above what you think is reasonable for ROI% on a safe investment. Max out IRA/Roth then max out 401k. If there’s any left, put it into brokerage
Maxed it out every year since 2014. Company 401k match is aggressive and over 1/2 of our profit sharing goes into it each year
as a 32 year old with $3.4M, I am transparent about this topic -- https://www.instagram.com/p/C76ttI5xw29/?img_index=1
35 now - Started at <200k NW in 2019, tracked NW with empower around end of 2020, used to spend a lot on material goods and name brands. My friend shared the FIRE concept and then I started to aggressively save 70% of my paycheck (was still living at home, when i married I moved out lol) so it helped, placed most of my bonuses into investments, lived below my means then it just compounded from there. Mainly in index funds but i did do some risky gambles in EV/Tech/Quantum and now I’m just on auto pilot. Currently still sticking to the formula of not really buying anything I don’t find adds value (don’t really go out, eat out, occasional date night, and we do three major trips a year this is where we splurge on our vacations for the experiences)
1st correct spike was when I added a home purchase (then added the mortgage)
2nd spike was when i connected my brokerage to the app
3rd dip was when my employer changed 401k provided
4th spike was from a stock
all my money is in bitcoin. have 10 bitcoins holding until they reach past 20M predicted by 2030
How long ago did you buy them? What's your average cost per coin? It takes nerves of steel and a strong conviction to hold on and not diversify sooner.
I was in my early 30s for the first 5 years of my (now second) career. I was making on avg about $90k but in NYC. I had no kids, student loan debt, no credit card debt, a car loan (albeit at a 1% APR), and I was putting the BARE minimum towards a 401k and savings. The next 5 years I was making over $100k, paid off the car, no credit cards, still student loans, still investing & saving the bare minimum. Enter kids. I was making over $150k, but due to kids health issues and house renovations I had a lot of loans/credit card debt, another car loan, still minimum invested. I was in that position for about 2 years until I just eventually got a fire lit under me to say no more debt. No more blowing money. No more bare minimum investing. Paid off all credit cards, loans, cars, and stopped over spending on frivolous nonsense. Started investing 10-15% of my pay and then bumped it to 25% and once I really got aggressive it was like 45% of my pay which was closer to $250k. My networth went from probably $25k to $100k in about 1 year. From $100k-300k in about a year and from $300k-700k in about 3 years. It’s over $2M now with fully paid student loans, years of no car loan, years of no credit card debt, years of maxing 401k, HSA, IRA, and contributing to a taxable brokerage. I also paid off a home I use for rental income.
I had to get serious & aggressive. But I also took advantage of salary bumps by investing/saving and not giving in to lifestyle creep.