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  1. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    If you’re young making that kind of money and have significant debt you can always try to settle with your creditors. They’ll need you to not pay for a long time and they’ll crush you that entire way with interest. With that said, they’ll eventually stop and you can lump sum them around 60 cents...
  2. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    You can’t lose your 401k in a lawsuit. Its creditor protected.
  3. Divorced w 3

    Apparent Incels going around NYC randomly punching women in the face as they walk

    NYC is basically catch and release. You have to seriously fvck up to get arrested right now in nyc. Therefore, it’s highly likely that the girl in the article who seems to not be from the city, who happens to like dressing loud, who probably (I almost guarantee) lives in lower manhattan or...
  4. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    Get your life insurance license. Will run you about $500-750 all in but you can work for yourself and the commissions on insurance products is high. It also allows for annuity sales. Next time an older friend complains about not having a pension, lucky for him you can help.
  5. Divorced w 3

    Gated Communities

    Surround your community with alligators
  6. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    One thing that has become helpful for the retail investor is the advent of active ETFs. ETFs share their entire portfolio daily on their website by law which you can download on excel form. You can go under the hood now on some top tier strategies that high touch wealth management teams...
  7. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    Don’t tell him anything. You’ve given us plenty to help answer what you’re looking for.
  8. Divorced w 3

    Went on the date tonight from the chick on Bumble. Post date report.

    So… she let you buy her dinner, show her around and entertain her one evening while she was visiting a friend. Were you looking for companionship or were you hoping to get some action?
  9. Divorced w 3

    Your Crazy Stories?

    My friend from college had me over in the summer because we grew up nearby even though we met while away at school. One night he gets this massive whale of a woman to come by so she could show him her tits. My boy gets trucker level wasted, passes out and I end up banging this chick in the butt...
  10. Divorced w 3

    //The Chronicles of BPH\\

    So this thread is basically the premise to the movie boyhood
  11. Divorced w 3

    Bumble Match wants to meetup at the beach this weekend

    I don’t have a lot of experience with online dating. The handful I went on: 2 resulted in same day sex, one of which was a 3 day straight / ten times experience a week or so back in the game and I was hooked lol two I canceled on , one I went on that resulted in finger action in my car followed...
  12. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    We will be talking about that interest rate period to our kids like our parents spoke to us about 20% interest paying time deposits.
  13. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    Right but you’re missing that as an historical average there are multiple businesses in those indexes that are making much more than 10% annually, coupled with others that did worse. Consumer debt is crippling because unless you owned a couple of star performers you still aren’t beating the 20%...
  14. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    you got it all but don’t forget to be practical. Let’s say you buy QQQ and keep your savings in there. You need to make it work on a tax adjusted basis, it cannot simply be looked at apples to apples. Debt is paid on the individual level with post tax dollars almost always. There are exceptions.
  15. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    understood but at that point, he’s got no money to invest, because if you’re snowballing then you have debt costs that are above any realistic return you would expect. If you’re talking about retirement accounts with match and even factoring in tax shelter status it doesn’t help his main issue...
  16. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    The Nasdaq is compounding at about 12% annually. With that said, the cost of consumer debt is almost always higher and you should attack the highest balance first.
  17. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    We must be talking past each other. If you’re just making ends meet and you’re directing your free money into debt payments, then to change that strategy would have to mean less money into debt, so the strategy doesn’t work well
  18. Divorced w 3

    Emergency Fund Destroyed. Back to the Side Hustles?

    The rich are the only people that can do this, while you are technically correct. The reason it doesn’t work for the average is because there is an assumption of cash or liquidity somewhere. OP doesn’t have liquidity so he will have to break this plan at some point.
  19. Divorced w 3

    Red Pill Mentality: Never Be Satisfied

    If he is some red pill author that’s fantastic, he said he blocked me a month ago
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