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(34-US) I don’t have a budget. I set aside money for student loans and retirement, and spend what I spend. Is this a bad way of living?

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(34-US) I don’t have a budget. I set aside money for student loans and retirement, and spend what I spend. Is this a bad way of living? me- 34 years old, single, living in the US. I am a federal employee making $33.30/hour after averaging in premium pays. I contribute 4.4% towards my pension, which will pay out 30% of my average “high 3” years pay when I retire at 57 years old. I also contribute 18% of my pay to my “401k” while work contributes an additional 5%. This works out t…

Reddit Personal Finance 289 2023-08-02

6-Count 6-Oz Purina Friskies Party Mix Crunchy Cat Treats (Gravylicious Turkey & Gravy) $8.01 ($1.34 each) w/ S&S + Free Shipping w/ Prime or on $25+

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6-Count 6-Oz Purina Friskies Party Mix Crunchy Cat Treats (Gravylicious Turkey & Gravy) $8.01 ($1.34 each) w/ S&S + Free Shipping w/ Prime or on $25+ Amazon has *6-Count 6-Oz Purina Friskies Party Mix Crunchy Cat Treats* (Gravylicious Turkey & Gravy or $8.43 – 5% when you checkout via Subscribe & Save = *$8.01*. *Shipping is free* w/ Amazon Prime…

Slickdeals 180 2023-07-29

Giro Fixture MIPS MTB Bike Helmet $34.99 at Al’s

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Giro Fixture MIPS MTB Bike Helmet $34.99 at Al’s Al’s Sporting Goods has *Giro Fixture MIPS Mountain Bike Helmet* (54-61cm, various colors) on sale for *$34.99*. Select free store pickup where stock permits, otherwise *shipping is free* on orders…

Slickdeals 214 2023-07-26

Sofirn IF23 4k lumen + 21700 battery $34.21

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Sofirn IF23 4k lumen + 21700 battery $34.21 Sofirn Light is offering their *Flash Sale: Sofirn IF23 EDC 4000LM RGB Rechargeable Mini Torch Flashlight w/ Battery* (XHP50B) on sale for *$34.21*. *Shipping is free*. Thanks to community member…

Slickdeals 192 2023-07-25

How should I invest at 34? No debt, stable nest egg but relatively low income, financial IQ very low (but willing to learn)

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How should I invest at 34? No debt, stable nest egg but relatively low income, financial IQ very low (but willing to learn) I’ve been pretty stagnant financially in the last few years. I used to put money into some stupid dividend funds that had pretty high management fees (I know won’t do that again, I was in my early 20s and even dumber). I used to work a higher paying job and currently have 249k in savings, 30k in investments, just paid off my mortgage and have 1 …

Reddit Personal Finance 215 2023-07-16