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I'm wanting to know what people think is better. Kaiser or ucla health for working as an admin staff. Ucla seems to have good pay from what I see on the job descriptions but kaiser only shows pay grade. Ucla has pension and a raise it seems every year. But I was alao told kaiser offers a dollar each year as a raise. I want a place I can grown and stsy Long term. Any one have any insight on kaiser and what they offered.UCLA Health Kaiser Permanente
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Not making more and spending too much.
I use excel/google and just track progress manually each month. I found the manual exercise somewhat reinforcing the saving/spending behavior. It probably takes 2-3 hours each month. Open to what others suggest in tools
Similar, but I look at expenses each month. Helps me understand where I’m spending and where I can look to optimize.
I guess my biggest struggle was patience. I wanted to hit my goal so bad for so long and it was discouraging when the market went into a downturn a few yrs ago. I never stopped working hard and sacrificing to get me to my goal quicker. I would read others success stories to keep myself motivated and read articles about how much the average American has saved at the same age as me to make me feel better. It worked. I hit my goal last year at 55 and I’ve never looked back. I’m traveling the globe now and enjoying everything life has to offer. You’ll get there. Just keep your head down and don’t waiver.
Learning to invest my savings and keeping the faith during downturns without selling, yet knowing when to cut your losses and sell shares. My investing success is definitely the main factor I’m in a FIRE situation. I also took risks by self directing my retirement accounts with individual shares. However, keeping money in the retirement account allowed me to buy and sell without paying capital gain taxes so I could grow the money faster. Individual stocks allow you to keep your winners and watch them exponentially grow, but it gets riskier as some company shares begin to dominate your portfolio. You have to rebalance. In contrast, most mutual funds or ETFs have rules that don’t let a single stock become more than 10 percent of your portfolio. This is prudent, but you also can lose out on large gains over time. Case in point, I’m sitting on a 40000% gain from Nvidia and that investment along with a handful of other companies enabled me to accrue enough to retire. I could not grow that large with a standard sp500 index fund.
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My biggest struggle is not having enough money, and I'm working on it by saving and investing.
Living in a VHCOL place and having high housing expenses. Downsizing to suburbs actually isn’t cheaper, so feeling a bit stuck.