Finishing my 1-year emergency fund, needing encouragement Throughout a terrible six months after a layoff, I never needed to use my six month emergency fund because of side jobs and just grabbing any work I could find even if it was just food delivery. Now that I’m settled back into an office job at a better role, I’ve spent the last four months in full hording mode. I have two contact gigs from my lay…

Need some words of encouragement or even advice 26 year old living in colorado. Getting my masters in business analytics this December. My student loan debt = $33,000( however, i dont have to start paying yet) $17,000 in credit card debt, $3,000 in a loan. I do have 401k worth $14000 and investment acct worth $8000. I make $67000/year. i do have good cash flow, trying to cushion my savings ag…

I need some encouragement to quit my job next year to travel for 4 months. I’m a 26 year old woman. Traveled to 11 countries mostly solo. I’m currently saving my money. I’ve got a good start with my savings (about 20,000 AUD). I’m currently working an office job which pays very well but it’s become toxic and recently they’re not letting me go on leave for more than a week but letting other people go for weeks at a time…

Retirement / inflation calculators have got me down. Need encouragement. Our family is solidly middle class but we have 3 kids and are currently breaking about even after contributing the 5% that the employer matches to each of our retirement accounts. I am 33 and my husband is 42. I’m about to switch jobs and get a significant raise, so I went through the personal finance flowchart. Hooray, we are able to contribut…

A word of encouragement to my wife simplistic decor submitted by /u/skumati99