Weird flex but ok

Plex and flex.

I work Amazon flex as independent contractor. So what does that mean? They don’t offer anything to do with insurance.

I'm in the flex space industry - this is exactly what we're seeing. Leases signed before Covid are coming up in mass over the next 18 months and there's a lot of down sizing coming. Office is about to bleed, which is going to drop asset values, which is going to hurt the lenders holding those loans. It's going to have a significant impact.

"I make $xyz per year" is not a flex anymore

mfs be broke as shit after expenses

cant even pay off their student debt

flexing ur annual salary is like putting makeup on a pig

Big flex.

Doesn't hurt to ask but I think based on timing they won't go for it.

https://www.doctorofcredit.com/which-credit-card-issuers-will-match-a-higher-signup-bonus/#Chase

If you want 20k Chase points sign up for a Freedom Flex or Freedom Unlimited card. The $200 bonus is actually 20k points. Actually if you plan to keep the Sapphire card and use its benefits and have a decent amount of spend that only earns 1x points it's best to get the Freedom Unlimited for those purchases to earn 1.5x points.

I make more than alot of people with a degree. That's not a flex, I'm just saying there is no point in going to school to be in more debt to make less than I am. I've been offered to go to school to be an engineer. But I'm sacrificing more tiem and would make less than I am now.

That makes sense, thank you. Mine offers a Flex rather than a HSA, so I'm ineligible because they offer a plan,

I’m 38, wife if 41. 2 kids under 8. AustinTX. Tech.

We try to keep about 4-5% of our NW ($5m) in cash. So about $200k.

This is about a year of expenses/mortgage etc. we’ve always tried to have 6 months of buffer and that buffer scaled as our respective income levels increased.

We have heavily contributed to and maxed out retirement accounts whenever we opened them. 401k since start 18-ish yrs ago. More recently RothIRAs-TradIRAs-SepIRAs (we have a LLC for side consulting etc). We felt our lifestyle was a little frugal during our earlier years but we lived in a simple condo, drove old cars, didn’t eat our extravagantly (all changed now lol Lifestyle creep say whaaaa). Then kids showed up we heavily seeded 529s and Custodial Brokerages for them both, with lumps, now we contribute tiny monthly amounts to each of those also and if grandparents gift any money it goes straight to those accounts. Also, we have a personal brokerage that is extremely liquid, if we ever got into a pinch… or say needed a couple hundred thousand extra for a house payment, I could liquidate some of that within a day or two.

Careers and lives are never a straight line. Money, contributions, expenses all can flex. They are not fixed and you don’t have to be so rigid. Whenever we had a time that was lean (say early Covid when all our consulting work dried up and my income went to 0) we simply turned off the retirement account contributions for a few months to free up some buffer.

Point is, you’ve done a wise thing so far, feel free to lower those contributions to a dribble or turn them off for a bit to enable you to build up more liquid cash buffer. I don’t know your expenses… but I’d start with figuring out what is a 3-month emergency fund number and a 6-month emergency fund number… and aim for that by the end of the year. Then go back to full retirement contributions. Given your HH income I’d probably want $20k or so at least liquid.

bro forgot Rivian trucks are only suitable to drive around town and flex on your fellow SF Techbros, not actual offroading...🤣

Hey there!

I’m sure others will have more to their advice, but some things I’d be considering, if I were in your position:

1. No big wedding, at least not right now. I know, it hurts, but weddings are expensive, having babies is expensive, getting all the things a baby can need is expensive, deposits on a new apartment (assuming you might move reasonably soon) are expensive, and moving in general is expensive.

If you want to get married for legal reasons, do a courtroom ceremony for now, and give yourself a fantastic bash with friends and family (and a killer dress!) once you’re more settled.

2. Start snapping up as many secondhand deals as you can find (FB Marketplace can be amazing for this, as can your local “Buy Nothing” groups) to get your baby’s items ready. Be sure to read advice about the what you’ll really need (hint: Changing tables are a total waste of money for most people—you’ll change your kid wherever you can lay down a towel, most likely) before you start buying, and try to leave the bigger-ticket items that you’ll want new (car seat) as items for your baby shower wishlist, if you’re having one.

3. I would focus on gaining skills that will position you for a better career that will grant you flex time to spend with your baby. Channel the money you might have been spending on rent, toward getting a certification or whatever else, that will allow you to earn an income that will i.) Cover the cost of at least part-time childcare in your area, and; ii.) Bring in an income that helps you contribute to household bills, AND leaves a little left over for savings.

Weddings and babies are two of the biggest expenses people can have in their lives, and you’re looking at doing both in a single year. My fear for you will be that your partner’s $30k in savings will get drained away by the wedding + (God forbid) any complications, or even just unexpected bills, that could arise from the baby’s birth and care.

I’d focus on upskilling myself and getting a better career that’s friendly to the needs of new moms, saving the $30k as the rainy day fund, then saving another amount of money to hold an incredible party to celebrate my marriage and new baby.

Just me personally, of course ☺️.

20K has nothing to do with your "great startup idea."

It just allow you some flex time to get it right.

if you owe money on it should not flex

Don't brag about owning a home if that home is in townsvilletonburg, it isn't a flex

Pretty sad when a loss is a flex lol

Youre a manlet under 6’ you shouldn’t flex on height lol. Keep to the muscle flexing.

Sweet flex

A rolex is not a flex, it just tells you when the lunch break is over

Sure, you can export the text and static images but you'd have to recreate the database and structure on another cms so that's not really a flex. Also, say goodbye to any sliders, transitions or visual elements that you created. You can't export those pretty html5 page graphics and interactive elements that you created in webflow. So, as I said, he would be just trading one proprietary trap for another.

Foolish maybe, but it happens ALL THE TIME, and in the short term at least it will absolutely work.

Remember, wage theft is almost never reported, and when it is it's almost never prosecuted. The calculation here is that you'll get away with it for some period of time, and then if an employee has the temerity to say something, you can just say, "oopsie, honest mistake."

And if you feel like they might follow up with a demand for back wages, that's when you say something about how you'll make it up to them with flex time, or you'll put it in their year-end bonus. Make them be "unreasonable" if they want their money back. Most employees who get stolen from this way will understand the situation they're in and not push you on it.

The reason not to do this (beyond basic decency) is that your employees will end up costing you more money down the road when they quit, slack off, etc. because now they don't care enough not to. But the short-term profit is sitting right there in your bank account.

Amazon flex driver ^

Cycling is faster when there is more money on the table. We’ve grown into something that has micro, macro, and now mega-economics; that is a term I just came up with to describe the situation we have in front of us today. We have a very robust world economy with rapid solid growth in some sectors and an economic downturn in other areas. What makes it unique is that in the face of inflation, we are seeing strong companies flex low prices to drive up demand. It’s almost as if the recession might only exist if it’s bothering you. Exon and other big oil companies are flexing price increases to survive what is enviable; Electric Cars take over faster than we will expect. That’s the thing with the mega-economics; it moves more quickly, reallocates quicker, and its cyclic actions are every day throughout various sectors; it causes a somewhat smooth yet growing trend. It’s the new mega-economics, and we don’t know anymore.

Maintenance of the unit, but I think the best thing they provide renters is "flexibility".

If you own a house, you sort of have an anchor tied to you. Precovid before remote/wfh became more common, buying a house in a location that isn't near your relevant employment hub could cap your job hunting prospects/make for a painful day to day commute. Being able to rent gives you flexibility the way banks and other lending institutions create liquidity in the market.

The issue now though is some of that flex is not as valuable since wfh is more accepted (thank god). IMO, the real problem isn't individual landlords but institutional/corporate landlords that buy up homes and make individual land ownership unsustainable.

Just my opinion.

My wife and I have a household income of $120k. Bit of flex here with OT and % shift differentials. We’re really in the early stages of our careers.

At the start we set savings goals for the end of the month in our “house buying fund”. We always kept $1000 in HSA contributions per year, and match 401k minimum. End of month we’d write on paper our deposits/debts/house buying fund.

We bought a house a year and a half later. So we kept tracking on the fridge end of month Liquid deposits / Debts / Vacation fund.

We just had our 1st kid, and are taking things more serious now. Now we have an excel sheet with all of our deposits and investments. We’ve been churning bank account offers, so we’ve got about 10 active checking/savings accounts. We also independently have IRA/401(k)/FSA/HSA/HSA investment/Pension plan/TSP.

We also track our car/house/student loan/credit card debts.

The excel sheet has a spot for each, adds each section up and calculates our net worth (counting the house equity) for the month. Each month it looks at net worth and calculates % change. There is a graph at the top too, so I can tell our projections pretty easily. After a year I’m going to make separate projection sheets. I’m also working on a sheet that breaks down our monthly obligations and monthly income to make it easier to see where money’s going and whether we can tighten up anyway to increase our investments.

If I was you, I'd pay it off and then contact the insurance company to review coverage. Once you own your truck, you'll have more flexibility to revise your coverage since the bank requires full coverage..

Driving a truck owned by you and not the bank is also a subtle flex in today's day and age.. most people are driving around cars they don't own.

I always thought it was weird people brag about jobs. Having to do something for someone else is inherently not a flex

Not the person you replied to, but I mentally categorize work that I need to do into a few different "buckets" and I religiously triage my email.

I have scheduled work (usually meetings) that happens at specifically scheduled times; this isn't work I can do earlier even if I want to. It can only be done at that specific time (short of rescheduling).

I also have deadline work. It has to be done at a certain day/time. I can do this work earlier if I want to, and sometimes do, but it's not expected.

Then I have flex work. These are responsibilities that don't really have a clear deadline but need to get done at some point.

Then there's just kinda everything else, stuff maybe I'll work on if all the above is done or I have some extra time when I want to work on something just cause 8 feel like it (think like a spreadsheet or other tool that I think might make my job easier, or like prototype ideas if that makes sense). Maybe I want to watch some YouTube videos or other training content on something work-related, etc. Think potential value type work.

For email I use the color coding/categories built into Outlook.

Red is To Do. Stuff I know I need to respond to or otherwise take action on; stuff that's waiting for me. They get archived when done.

Purple is To Read. Emails I don't need to take any action on, but I do need to read them because I am or may be responsible for knowing information in them (or at least be able to remember where to find the information again if I need to). Sometimes these emails change to Red/To Do based on something I'll find in them when I read them, otherwise they get archived after I've read them.

Yellow is Waiting. These are emails where I'm waiting on someone else (could be something that might happen at any time, but could also be scheduled out). I mark these and hang onto them in case I need to follow up on something that seems to be going stale (so I may follow up/prompt for action if needed). They get archived when I'm no longer waiting; for email threads, I archive everything but the most recent email.

Blue is Info and a lot of time these just sit in my inbox until I don't really need the info on hand anymore. A little different than yellow because I'm not necessarily waiting on something specific (usually this is like product info, but not conversational type email).

I've experimented with using Orange for Scheduled, similar to Red but I've scheduled the work for the future. I don't really like this, not sure why; it's just not useful to me.

I also have Green for Kudos, emails where I've received recognition or praise, and they go straight to their own folder. Sometimes useful for citing in self reviews and things.

My email workflow is to go through everything unmarked and categorize/color each email. Spam/marketing/etc get rid of as I go through everything. Then I read all the purple ones, take action on all the red ones that I can, see if I need to follow up on anything in yellow, and archive anything in blue if I don't need to cluttering my inbox anymore.

Not sure if this sounds tedious or not but this is how I start my day on most days, and then I maintain throughout the day (when not doing scheduled stuff or meeting deadlines). I probably get 30-50 emails a day and try to keep a pretty clean inbox. My goal is to respond to emails which require a response within 1 business day (just a carryover from companies I've worked at previously which had that as a written guideline, which I personally agree with).

As the other dude said, the judge will look at your salary and determine that all that is required is for you to flex your adulting skills.

The good news is that while paying $30k with interest is an uphill battle it will develop your ability to not spend. After that saving $30k should be trivial.

I’d flex on everyone and do lots of drugs

Am I stupid putting my whole HSA investment account ($4k) on VTMGX (Vanguard Developed Makets Index Fund)? I do have a default diversified 401k already.

Also, I clicked the report of the fund that was available on PayFlex (where my HSA is at) and it mentioned a Schwab fee of about $75; is that part of the expense ratio already?

Wells Fargo. They don't charge fees. They also have an extra day's grace for when you issue a bouncing check. Giving you time to come up with the money. Also they have flex loans for business, starting at 500 bucks. Online application, unsecured.

Future assets/earnings can be protected. You can go as far down the rabbit hole as you want. I'm getting outside my wheelhouse, but where I think you'll be limited is when it comes to child support. But, that'll be the same whether married or not. A lot of spouses now are keeping separate bank accounts, holding title on their home(s) as sole and separate or assigning ownership percentages, and separate retirement accounts. If future earnings are something you want to protect, you'll also want to keep a clean separation of bank accounts. Once funds are comingled, it'll get more complicated splitting them. I have friends who have one joint checking account that each spouse contributes to, and individual accounts where they put their income and use for non-community expenses. The options are pretty endless, whatever you and your partner agree upon. But yes, if they want to flex now with their wealth, no reason you shouldn't feel comfortable including the future.

The chase credit cards are a great ecosystem to learn about reward credit cards and what they have to offer. I have the chase freedom flex, and I really like the card. The difference between the unlimited and the flex is the cash back you get. 1.5% on everything(unlimited) or 1% on everything with rotating 5% categories(flex). Both would be great places to start. As everyone else has said make sure you pay off the statement balance in full. And if you commit to that there are a lot of perks to using a credit card. I use credit cards for every purchase that allows it without a fee.

Flex on em Kiki

As far as things to splurge on.. I’d say traveling is probably the best thing you can do! Don’t feel bad about living your life .. there’s such a thing as “oversaving” as well .. you can’t take the money with you and as you get older you’ll gain more responsibilities that might prevent you from doing things such as travel… I know people may view jewelry as an investment.. but obviously there’s a risk factor there ..

To me I’d have big ticket goals for yourself.. if you want a house one day.. then make it a goal… figure out what location… what price range .. and what the down payment would approximately be.. then set a realistic goal for yourself on the amount of time it might take to achieve it.. don’t pressure yourself since a lot could change ..

but it might help you stabilize your flex spending a bit .. I flex spend as well but I feel like having a goal to work towards helps stop me from making purchases on some of the dumb things I likely don’t really need or care about .. you seem to be making quite a lot and saving quite a lot so even subtle changes could help you save a lot quicker to make steps towards some bigger goals if you have them.. otherwise just enjoy livin the good life!

It’s easy to look at people with a Lexus are livin the good life .. but given how much money you have on hand your doing better than 99% of the world…

I saw some quote a tech guy in San Francisco said .. I forget what it was word for word but basically he said something along the lines of “you know someone around Silicon Valley is rich if they’re driving a Porsche .. you know someone around silicon valley is SUPER rich if they’re driving a corolla”

I've been abiding by a flex-spending rule aka no-rules when it comes to discretionary spending. But as mentioned, I really only splurge on travel, and lately fine jewelry (you'll have to trust that it's a one-time thing and initial investment). Should I have a hard cap for these, as I categorize them, "special spending"? It worked out so far, as I don't go crazy with my special spending margin.

Beimg 6feet++ is honestly such a flex and a confidence booster. I feel sorry for short kings

Helps a bit for gaining perspective on one's circumstances. For the rest of us that already know, it's to flex our e-peens and stroke our egos.

So taking your date to McDonald's is a flex now?

When you are bald from losing thousands, but still flex from that one tiny ass win that is not even near break even

Flex Spending Account: You determine how much you put into it for the year. But you can only use those funds for that year, it’s a use it or lose it type of account. You can be on any type of medical plan, doesn’t have to be a high deductible plan.

Health Savings Account: this is actually a savings account, so it’s your money and the funds you put into it don’t have to be used during a certain time period. You just have to be in a high deductible medical plan to be able to use the funds in it.

With both types of accounts the money gets put in pretax and you aren’t taxed on any of it when being reimbursed for medical expenses.

He’s saying your deposits with flex seal are not safe

Flex the FU money. Or find another job and make sure RTO is the reason you give when you leave, if WFH is important to you.

I'd certainly find another job before I worked in an office again.

My number has been called. Return to office 3 days a week in September, then 4 days in January. I had a good run. Should I flex my FU money? Trade in for a hybrid? This will likely cost me $300-$500 a month more literally (insurance, gas, wear and tear, eating out for lunch), not to mention the lost time.

Wait, are you telling me Flex Seal doesn’t work? Sonofabitch!

I dont think this is gonna be the flex you thought it would be

Also, stay away from my neighborhood

Yeah but it’s still shares. I can flex with 11k Rolex but I come through in my $11k Honda Accord and it don’t mean shit.

Not even flex tape can fix that

This is like the Flex Seal commercial, where the dude floats his boat with a screen door bottom slapped with Flex Seal to prove it’s water tight. Everything’s fine for now. Two days from now? Not so much.

Come Monday, it will not be all right. Come Monday, keep holding your bags tight. Those with puts make sure your broker knows you want delivery by Friday 4pm

Big flex

(Regarded post trying to flex before the earnings call)

*Has shares position instead of calls*

Yeah uhuh you definitely seem confident

Buying expensive things purely for the flex is the single stupidest waste of money there is. I’m not saying buy the cheapest shit possible but paying $1000+ for a purse is ridit

That’s true. They still don’t understand though that their day in the sun is over. And that they can’t flex their muscles like they used to. They are talking about helping with Ukraine. They need to talk about helping themselves.

FACTS !!!!!

That tesla truck is gonna be seen on every FOOKEN Conor

Not even by those who need a truck

Just to flex 💪

CAWK SUCKAS

What does the rest of your budget look like?

You’re not far off from the 1x salary at 30 retirement goal and $800/month rent should mean you have quite a bit of flex in your budget.

I love telling people they can’t afford cars, but this doesn’t seem that unreasonable if they both support hobbies.

It looks like you’re in a tight spot but it could be worse. Hopefully, you the moment you are staying somewhere very cheap until you can pull everything together. Use this time as your motivation to never fall into the traps you have found yourself in:

1. Never put your life on hold waiting for a job opportunity. Start making your plan now to do more than cover your expenses. Learn to set your financial goals and start to build confidence that you control your money not whoever wants to hire you.

2. Don’t buy a car just to get an expensive car payment and a nice looking way to get from point A to B. Use your car to pay for itself and more (given you don’t have a gas guzzler).

You want to be in a position to note have a car note and this is way cash cars are usually the best option. Cars really are not assets or something we normally get a return on investment, so you really need a plan to change that if you can. See if you can stack several contract apps together like Amazon flex, Grubhub, DoorDash, Uber, etc.

3. Always earn income outside of your job. I have highlighted a few ways to help pay for your car and get on your hustle but this is more valuable than it seems. Often folks become over dependent on their jobs and it sets them up for a bad situation. When you learn what opportunities work for you to bring in other streams of income, you will start see the possibilities are endless.

You can definitely make money through gig work that doesn’t involve using your car. There are companies that will pay well for your work given they don’t have to also pay employ benefits. Earning $18-$35 or more is not uncommon.

You might also consider freelance work or affiliate marketing. It’s not a scam to make great money from your cellphone or computer. What skills can you learn to make money or what can do to solve problems that people will pay you for?

4. Start tracking your income. We end up in bad financial states due to bad habits and being unaware of how to make our money go to work. When you start to track where your money is going and create a financial plan, life starts to not look like you’re going through it with a blindfold on. You will uncover exactly what you are doing with your money and choices that you can make that will improve your situation.

Always save and invest wisely. Put portions of your money into places where it will make more money over time. Learn skills that will also “flip” the money that you invest into them (partnerships, business ventures, trades, etc.)

You've got a car, try flex. it'll help you pay the car note and stack your savings.

From someone who was in academia, I wanted to add that the delta between UNC and Duke is really not as big as Duke would like you to think. Both are incredibly good schools, and I would imagine which is "better" is fairly program and major dependent.

For this reason anyone "out there in the world" will see them as fairly fungible. Your performance at both will end up being the bigger factor.

I think the hard truth is there are really 3-4 unis with a name premium worth this kind of financial outlay. Harvard, Stanford, Yale, Berkeley. Maybe Princeton. But as someone who went to the University of Washington, a school rated higher than Duke or UNC, who gets no real name bump from that association, I'd be very wary of an institution trying to flex name recognition as a selling point for that much debt.

Outside the truly elite names, and more importantly alumni networks, it just isn't a real thing.

Wanna buy my bow flex?

I currently work full time for a credit company and do Amazon Flex as my part time, it’s just not enough now

PTNB is something I'd love to see banned at a federal level, or rather restricted to the following parameters:

If your business location is in operation and staffed for a given number of hours for any five days of a week, you must offer prospective hires a schedule of the lesser of the total number of hours open, or 40 hours over those five days.

It's ridiculous that people need 2 or 3 jobs on flex schedules that often collide when these businesses are open 10 hours a day 7 days a week or something, they can clearly accommodate full time employees, and the market is broken. People will be able to work more effectively and more predictably with less hassle and commute time with fully-utilized schedules at a single employer if that's what they were trying to get in the first place.

Why dont you flex deez nutz!

The EJ Guided Flex Fund is a portfolio of things, and is a taxable account (not an IRA). It’s made up of equity, bonds, and money market funds and is allegedly setup to reflect my risk tolerance … but I’m not convinced it is.

Perfect, just what I was looking for. The EJ Guided Flex fund is a collection of things - equity, bonds, money markets mostly, so I don’t have any exposure with mutual funds or EFTs. So seems like it might be fairly straight forward for me!

First we have to understand what a "Guided Solutions Flex Fund" is because that means nothing to someone not at EJ. What type of account it? I can be an regular taxable account, a Roth IRA or a Traditional IRA. It's one of those 3 options.

> and no hate towards truck drivers, but imagine being a truck driver and bragging about your profession

This guy is getting so defensive about this trying to flex his salary and benefits as if you can't get similar compensation at any other reputable company. The reason the salary and benefits are so good is because nobody wants to be a fucking delivery driver. I'd rather have a functioning back and working knees when I retire.

It's pretty much arbitrary except in the most exceptional of companies. Personally never seen or heard of anyone getting more than 4% in all my working years, and certainly never had any opportunity to give it in all my management years. The most I could ever flex then was +/- .5% for someone.

Can a dude rant without all these literal lindas coming to flex their big brain logic on me? My GOD

The biggest flex isnt wishing they get back with you, or they fall into depression, but growing out of it and moving on.

Bitches love when a man grows out of it and dont care

For me, it's incredible how strong luxury goods are running despite crises. Certainly, especially rich people who are not too constrained by these crises buy these items.
Nevertheless, I regularly see that many people from the middle or even lower class (financially) buy Louis Bags etc. just to be able to flex with them. At the end of the day, I don't care, I'm happy as an LVMH shareholder about the increasing sales and growth.

> Is it just spend the $500 and pay off instantly

Spend the money, you don't have to pay it "instantly" just make sure to pay the statement on time.

If you are new to credit cards please learn to pay the full statement balance, on-time, every month. Don't just pay the minimum, don't ever let a balance carry over. This is when you start paying ridiculous cc interest. If you let even $1 roll over to next month, interest kicks in and from that point you are paying interest on every purchase daily until you pay the balance off and the grace period for interest resets.

Use it like a debit card, don't use it if you don't have cash to pay for it. At that point you are spending money you don't have, and that's how people begin to spiral into cc debt.

As far as the bonus money, with Chase I just completed a SUB for the Freedom Flex card which was the same -- spend $500 in 3 months, get $200 cash back. I got the card on March 15th, hit $500 by April 10th. Looking at the account online the rewards balance was not credited instantly, but it showed up as soon as my statement was generated on April 18th. (In contrast a couple of months ago I did a SUB for Capital One, and the account showed the bonus immediately after hitting the spend requirement.)

The secret to winning at this credit card game is to NOT change your spending habits just because you have a credit card. You want to funnel spending you normally do anyway onto a card that will earn you rewards in some way. You can effectively get paid just to carry a certain card if you are doing it right. You earn rewards either by meeting a one-time SUB, and/or by earning cash back or points for travel for spending in certain categories.

For example, I got a US Bank Cash+ card when I learned I could get 5% cash back on home utility payments. It's a $0 annual fee card. I spend about $300 a month on utilities, = $3,600 = $180 cash back to me every year. That's literally the only thing I will use that card for, I don't even carry it in my wallet. They are paying me $180 a year just to use it.

Man, be thankful you have the funds to shower. Way to flex.

This is a pretty lame flex when you haven’t given any context on what your interest rate is. If your rate is in the <4% range (and arguably higher), you did yourself a disservice financially to put more down.

As OP says, the answer to this question is always “it depends”. It depends on your risk tolerance, your appetite for debt, and the sort of returns you are looking for. But purely financially speaking, you can’t just say “our mortgage is $1300 in an area where comparable houses are $5-6k a month”. You need to look at it holistically with the return you would have been making if you would have put more of that down payment in the market over the long term.

The biggest reason real estate has been such a good investment for a lot of people is because it’s a leveraged investment. If you have $100k of equity in a $1mm house, and the house goes up $10% in value, your return is 100% (not including interest, taxes, PMI, etc.). The more you put down and the more equity you have in the house, the lower your return is.

Not saying you made the wrong decision at all, because again, the answer to the question is “it depends” on your situation and what you’re comfortable with, but it’s just a weird statement to make to compare your $1300 mortgage with comparable rental properties. It doesn’t really tell you anything.

Thanks, and yes, we were individually contributing 6k - I appreciate your help!

I will admit I didn't know about DCFSA - we just got daycare set up last week. Is this something you would use instead of a flex spending account? It seems I won't be able to use it for this year's expenses anyway since I'd have to wait until open season in Nov-Dec to sign up, right? But anyway, I really appreciate your guidance!

You lost 220m dollars last year.

You havent posted an annual profit in 5 years.

You posted a larger profit in the Q4 during the pandemic, you've posted q4 profits in 4 out of the last 5 years. Your only non profitable Q4 of the last 15 years was in 2021.

Q4 profits is not a brag, you guys being too stupid to understand that is not a flex. The company was going bankrupt posting Q4 profits every single year prior to the squeeze.

Stop and start method, drink more water, lecithin capsules and zinc supplement, when you’re gonna bust flex your buttcheeks and try holding it back as you’re busting

I live in a different township so it can vary, but the aggregation program has been a net positive for us since it was instituted in 2014. Our township just recently locked in $0.0651/kwh thru May 2025. We got a huge benefit over the last 3 winters as we were locked in at a gas rate in the $0.30/ccf range and this past winter Duke’s rate went over $1/ccf. But starting just recently, our locked in gas rate is a little higher than Duke’s. Overall though, it’s been a benefit.

The other thing I have noticed is that the actual generation charges are only a fairly small portion of your bill. Even when we were getting the good rate on gas usage, it still only ends up being $30-40/mo. I mean that’s a decent amount, but it’s not like if gas or electric rates double, your bill doubles necessarily. The main thing it probably does is give you some certainty of what your bill will be and protects you from unexpected rate increases. I know ours in the past had a provision where if rates dropped, they had an option to flex down to the lower rate mid-program but I don’t think that has ever happened.

Comparing ad sense filter to actual chip design patent is quite a solid proof that you're a fucking regard, the fact that you flex your mistake like some sort of achievement when NLST has been around for 23 years is why you're going to miss another shot and be poor. SK Hynix lost the case 2 years ago and immediately moved to settle a licensing agreement, you are regarded if you think Samsung is gonna try when they are actually illegally using and didn't "come up with the same thing" in the case of VRNG vs GOOG.

Functionally as a truck it leaves a lot to be desired. As someone who used to be an electrician and then moved on to commercial AV, this thing is totally unviable for me as a work vehicle, so you aren't going to capture the professional sector or "people who actually need trucks".

Opposite this you have the personal sector which is "people who don't need trucks but like driving them". This is the sector I referred to as being highly contentious toward tesla. The average personal truck driver in rural America (where the majority of them are based) want nothing to do with "woke bullshit" like electric vehicles.

At best you capture a very small sub sector of people who live in more urban areas and want one just as a flex, but that's a very niche demographic consisting of probably less than 5% of all truck owners. Most of them would go with something like an f450 super duty king ranch if they want to flex, as that's more in line with "truck culture"

Yeah LoL, I low-key just wanted to flex on poors I guess

I have an BS in Mech Engineering (not worthless) but nice flex! Bravo on the stalking too.

I’m happy for you dude, you sound successful. But I don’t need a $200k asset that depreciates 40% every year so everyone can see how large my balls are. My Toyota’s have only appreciated after age and continue to get me anywhere I want to go without being in the shop half the year (actually never).

There is literally nothing in what the original post says to identify any kind of strategy that you're using or what might be a flaw in that strategy so I'm assuming this is just some sort of a weird flex. You haven't given any indication of what you're doing that anyone could give you any sort of reasonable feedback based on some sort of data. 🙄

Bro this isnt 2003, its not a flex anymore to talk shit about people who drive cars that get 60mpg.

Are there other deductions taken off your gross, like a medical or Transit deduction? I do payroll, and if you have say 1500 gross with a taken off as Flex spending, your adjusted gross is then $1,400.

If amazon is an option, hop on as Flex. you can pick up shifts as needed, and it usually pays 15 - 16 bux an hour, more on the night shift. They dont test for weed so as long as you are not out here smoking crack, you can start within the week.

If you are going to house hack short term then you also need to make sure the property will cash flow once you move out and rent both sides. The problem right now in todays market its hard to even find duplexes that cash flow. 3-4 flex might be easier.

Flex post

"I aint no snitch" has always been a weird flex to me

Like you enjoy being exploited and extorted?

Nice lol

Bet you have some fire bussy

Idc I literally want this thing because it is ugly. I wanna flex on my dum Trump country family's towns shitty lowered s10s.

we're in a reddit forum nobody has any true right to flex

Pain at 30 is not a flex

The biggest flex I've got at 30yo is that I have good enough posture that it takes me about 15 seconds after a night of terrible sleep to crack out my hips and back and I'm good to go all day without pain.

The second biggest is a million-dollar net worth

Yes.

Low entry 5th hand model of basicly a Ford.

Just the kind of "rich" flex.

Keep it and flex on poors who can’t afford houses

Saying "priced in" is the flex tape of finance.

This is called FLEX TIME. Anything past 40 hours a week in the office, you can work wherever you want to.

Yea, that's a feeling I share. But they also had the CEO change and that can take a while to show up in operations.

I am of the mind that AI will result in a bit of a supercycle for datacenters though, so maybe they can flex their scale there.

Stop the meme flex on us plebs

Because she’s literally a prostitute satisfying horny men for money. Only low self-esteemed simps would think it’s a flex