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I set my 401k contribution to a ridiculous percentage for the first few months of the year to max it out in a few months. Makes you feel you're earning less, and curbs spending which continues through the end of the year
Similar situation. Grew up poor and spent money like crazy to justify his crazy lifestyle (hours, travel, etc).
My solution. Which probably won’t help. Is that I got married, had kids, and bought a house. Then my wife stopped working.
Suddenly it’s easier to spend less.
I only have access to less than half of my paycheck. The rest is in 401k, ESPP, and investment checking account. That way I can spend the way I want but I’m limited to the funds I give myself
I'm a first year analyst, so by no means should I really be spending this much on just plain stuff!
If there’s one thing you will never get back, it’s time. Don’t delay saving and investing for the future. Compound interest is the X factor that makes sure you build wealth in the long run. So...
1. Make a simple budget - use Mint app or just write it on a piece of paper
- starts with your total take home pay
- list categories like “eating out”, “clothes”, “utilities”, “rent”, etc.
- every dollar should have a purpose
2. Save $1000 cash as an emergency fund. If you don’t have this, set aside some dollars every month to get there.
3. List out all your debts smallest to largest and pay them down in that order.
These are part of Dave Ramsey’s plan. Definitely recommend you check it out. It’s worked incredibly well for me and my family.
You need a budget. No, really. YNAB. It’s a thing- google it.
BCG1- the problem with your approach is that you’re leaving match dollars on the table
M1 I don’t think it’s easier so much as you’re forced to adapt to your situation. But I laud you. I’m somewhere in between living like a king and eating, drinking, and shopping the way I want with a slight tug in the back of my mind that I need to settle down and buy a house to leave empty four days a week
Be sure you get your 401k match, pay off your debt. Make extra payments on the debt so you don’t have the money to spend. Once paid off, put that debt payment into the 401k and IRA accounts. Every theme you get a raise, save half and spend half. to Never go back in debt again other than a mortgage. A combination of being poor when I’m old and a decision that I like collecting hundred dollar bills more than I like stuff works for me.
I know what you mean. I’m in my 30s and still trying to figure it out.
I just keep telling myself to enjoy life
Direct deposit into a savings or brokerage before you see the money with a bank other than what you use for checkings.
I have an account with only checks and no card hooked up to account for savings.
A1 - has a great plan. Automatically force yourself to live on less and put money in more productive assets.
^ being scared of being poor when I’m old
@BCG2 employee stock purchasing plan
Find a way to be happier with the numbers in your bank account than with the things in your apartment. My wife and I get more joy out of watching our net worth grow than spending on stuff that doesn’t bring lasting happiness. Now, don’t get me wrong, we spend our money on things that make us happy and bring us closer together (e.g. travel), just not stuff.
What’s an ESPP?
OW, depends on how your firms matching works. For us it's based on annual
I agree with the K1’s never getting back time idea. Which is why it’s also important to not dampen your current lifestyle to a point of misery, because the future is never guaranteed. At least consider that when balancing your current spend/future savings. Carpe Diem!
For context, I max out absolutely every saving vehicle I have so I definitely fall more on the saving side.
I second OW1 YNAB has been transformative for my family and I highly recommend it