#early

Roommate is terminating lease early

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Roommate is terminating lease early A little backstory, I (24M) moved to Reno Nevada in August of 2022 with a couple (48F and 42F) I had roomed with in Las Vegas prior. The house we rented is a 3 bed 2.5 bath at $2650 a month plus utilities. Her and her girlfriend made a combined 150k a year. Right now my gross pay is roughly 45k a year. I just resigned the lease with her last mon…

Reddit Personal Finance 254 2023-10-08

(Another) Early retirement question- how does it affect social security payout?

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(Another) Early retirement question- how does it affect social security payout? My husband is in his early 40s, has worked the required 10 years (just), and would like to retire. We looked up his social security statement and it’s good enough for our plans. We wouldn’t take his SS until 65 or so. I saw that his next 25 years would count as $0. And I’m wondering how that affects the amount he would eventually get for social …

Reddit Personal Finance 208 2023-10-06

Paying off mortgage early at an incredibly aggressive rate

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Paying off mortgage early at an incredibly aggressive rate So I grew up really poor and we never had much. Didn’t have a house but a trailer … family moved and now in a better spot years later. I’m (32 M) married to my wife (29 F) for going on 5 years. We had a lot of equity after buying our first house in 2017 and put that equity ($95,000) towards our current house. We paid roughly $470,000 for the cur…

Reddit Personal Finance 182 2023-10-02

Watching the early seasons of South Park makes me weirdly nostalgic

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Watching the early seasons of South Park makes me weirdly nostalgic I’m 18 and I know that this sounds weird but I actually remember watching this show back when I was in elementary school (my 4th grade teacher reacted with disgust/responded like this was really bad when I mentioned to my friend that I liked it.) I legit watched this when I was about the same age as the characters. I obviously understand it bett…

Reddit Television 193 2023-09-29

Night before early flight

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Night before early flight I’m going to amsterdam next week for a dj even and my flight the next day is 9am. Event is like 8pm and I wanna trip but not loads as for the flight in the morning. I’m just worried what the airport security might do if my eyes are still dilated. Am I overthinking it? I got swabbed with the paper thing last week going to nyc but that was in Man…

Reddit Travel 142 2023-09-29

Pay off house early, so I can semi-retire at 60. Should I pull 60k out of my retirement?

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Pay off house early, so I can semi-retire at 60. Should I pull 60k out of my retirement? I’m 60, single, with a retirement savings of 685k. House is worth 340k. I owe 52k. 5k in other debt. I’m a nurse, so I can work part-time and get health insurance. My problem is….burn out and painful joints. I don’t think I can take working full time for another 5 years. My question is…. How much will taking 60k out of my retirement now effe…

Reddit Personal Finance 157 2023-09-26

Thought I wouldn’t live to retirement, now looking to save extra for it. Should I pay off 0% interest cards early to free up monthly payments for 401K?

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Thought I wouldn’t live to retirement, now looking to save extra for it. Should I pay off 0% interest cards early to free up monthly payments for 401K? TLDR: I’m behind on retirement and want to start putting an extra $400 towards my 401K each month. Does it make sense to go ahead and pay off the 0% cards now so that I free up the $400 to put towards my retirement? I have $5k and $6k on 0% interest cards until June & Nov 2024. Min payments are $97 & $69, but I’m currently paying $200/mo on ea…

Reddit Personal Finance 196 2023-09-21

One week in Asia early September—which country?

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One week in Asia early September—which country? My wife and I are doing a week in Bali/Komodo next August, but will have about a week left in Asia before returning to the U.S.. It’ll be late August/early September. We’ll have done Singapore, Siem Reap, Bangkok and Southern Thailand in February already, so we’re looking for something different. We will need to get back to the U.S. from whereve…

Reddit Travel 207 2023-09-19

LPT Request: Tips on waking up early beyond “just do it” please?

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LPT Request: Tips on waking up early beyond “just do it” please? I’m a very disciplined person in every area of my life besides sleep. I usually stay up til 12:30 because the people in my house do, and I guess it’s some weird FOMO of going to sleep before other people do. And then I wake up between 10-11am. I set my alarm for 8am and then i just keep snoozing it all the way til 10-11. I just feel so comfy and…

Life Pro Tips 139 2023-09-18

Should I travel next year despite being early in my professional career?

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Should I travel next year despite being early in my professional career? Hi, I am a (M24) and I want to embark on travelling for a long period next year. I want to go to Europe, South America and South East Asia. I currently work as a software engineer. I enjoy being a software engineer but I have been developing an urge to go travelling for longer periods of time. That being said, I don’t really like the company tha…

Reddit Travel 188 2023-09-17

Does it ever make sense to pull money out of 401k early?

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Does it ever make sense to pull money out of 401k early? Basically the title, but here’s some background as to why I’m asking the question: I have ~$60k student loan remaining at 5.25%. This ends up being about $575 a month, with pay off estimated in 2035. Currently have 2 kids, with a 3rd expected later this year, and we’ve been looking for ways to free up extra money month-to-month to help adjust to…

Reddit Personal Finance 188 2023-09-15

Are there any tips/tools you wish you learned early on in Capture One?

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Are there any tips/tools you wish you learned early on in Capture One? Just made the jump from editing in photoshop to Capture One, and trying to learn about all the new processes and tools! I was wondering if there are things I should try and grasp ASAP/tools you find cool that are underutilized and unique to Capture. I’m hoping to learn more to potentially get into teching, as well as using it for my own work. My…

Ask Photography 197 2023-09-13

Starfield blasts players into a new universe (via Early Access) today

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Starfield blasts players into a new universe (via Early Access) today Bethesda’s long-awaited space epic, Starfield is finally here. That’s to say, if you have Early Access to the game via pre-order. The journey begins Officially, Starfield doesn’t launch until September 6th, 2023. But for those who pre-ordered a copy of the game’s Premium Edition, today’s the day. That special version of the title grants access ……

Brutal Gamer 221 2023-09-07

LPT Request : How to fall asleep early

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LPT Request : How to fall asleep early For context: I’ve been working night shifts (10PM to 7AM) for 6 months and midshift (2PM to 11PM) for the past 3 months and it made my sleep schedule into a mess. Now I’m getting rotated into a morning shift (7AM to 4PM) and I need to relearn how to fall asleep early/quickly. Can you guys give me pointers or tips and tricks on how to get my sle…

Life Pro Tips 270 2023-09-06

Should I pay my car loan off early?

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Should I pay my car loan off early? My car loan has about $15500 left and matures in May 2027 at a 5.69 APR It was my first large purchase so I kind of got reamed on the interest rate and had to finance through the dealer in May 2021. My plan was to pay a year and then refinance to a lower interest rate. And here we are with interest rate minimums being higher than my current. On…

Reddit Personal Finance 224 2023-09-04