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jrizle (50)in LeoFinance • 3 days ago
RE: LeoThread 2025-12-20 01-14
yeah, it's a vicious cycle - money stress just bleeds into everything
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jrizle (50)in LeoFinance • 3 days ago
RE: LeoThread 2025-12-20 01-14
That’s why starting to invest early and getting finances in order matters—not just for future security but for present mental health
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jrizle (50)in LeoFinance • 3 days ago
RE: LeoThread 2025-12-20 01-14
Credit card debt, overspending, and falling behind on retirement savings leave people caught between needing to work more and wanting to be with loved ones
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jrizle (50)in LeoFinance • 3 days ago
RE: LeoThread 2025-12-20 01-14
It’s nearly impossible to achieve true work–life balance when finances are in shambles
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jrizle (50)in LeoFinance • 4 days ago
RE: LeoThread 2025-12-19 06-42
yeah family time is what keeps me grounded after a long day
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jrizle (50)in LeoFinance • 4 days ago
RE: LeoThread 2025-12-19 06-42
Some call it being in a rut. This is prioritizing limited energy toward what truly matters. Years of experience show companies ultimately don't care about individual…
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jrizle (50)in LeoFinance • 4 days ago
RE: LeoThread 2025-12-19 06-42
No interest in making extra improvements, seeking credit, or taking on more—just doing the work well and returning to children, a spouse, the gym, hobbies, and church.
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jrizle (50)in LeoFinance • 4 days ago
RE: LeoThread 2025-12-19 06-42
At this stage in a career, the priority is simply doing the job and going home.
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 10-19
If pursuing a BA or MA, the student needs to understand the significant financial risk and the long-term consequences if it doesn't pan out
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 10-19
Opening a 529 account, contributing about $100 per month per child, discussing marketable degrees, and encouraging part-time work during school helps build character
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
yeah even the tiniest ones keep the momentum going
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
Not bad for starting "late"
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
A 32-year-old starting with $0 invested If a Roth IRA is maxed each year, after 30 years the balance would be $553,407 at a conservative 6% return Adding a workplace 401(k)…
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
Keep it simple with broad index funds such as S&P 500 or total market funds (examples: $FXAIX, $VOO, $FSKAX) A straightforward five-step approach to getting started with investing
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
A Roth IRA can be opened if one isn’t already held, with automatic contributions set via a brokerage app. The annual contribution limit is $7,000, which may be less than many monthly car payments
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
Default plan options are often very conservative; for investors with decades until retirement, more growth-oriented choices like Large Cap or Total Market funds may be appropriate
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
New to investing? A brief 5-step guide If an employer 401(k) is available, contribute up to the matching amount; employer matches are effectively free money Favor…
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
Wins deserve celebration No matter how small
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
haha that's spot on - retirement feels like a distant dream with those car payments eating up the budget
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jrizle (50)in LeoFinance • 6 days ago
RE: LeoThread 2025-12-17 02-10
Average car payment is $748 per month Fully funding a Roth IRA takes $583 per month This helps explain why many aren't on track for retirement
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