Thanks for this insight. I appreciate it.

We’d be at 65k after taxes and savings obligations. Does that change the picture any?

Thanks either way

$60k post tax and savings is?

And thanks I’ll look up that area

Fair enough. I figured 65 is just what we’d be comfortable spending in total each year.

To understand credit scores you need to understand the algos behind their calculation and it’s not really worth anyone’s time.

Just keep being financially responsible and it takes care of itself. No need to obsess over any single change.

You can speak to your employer about a raise after you do the math. It’d be nice to make what you were making before but in 40 hrs instead of 50.

If they don’t budge, you can just work more slowly and get even more OT pay.

If that doesn’t sit well, you have a fancy new promotion to put on a resume when you interview at other companies.

Dope and beer. Otherwise looks ok. If you want to learn more the 3-fund portfolio is a good and easy start.

Forget the credit card when budgeting.

Use it for daily purchases that are already in your budget.

Pay it off in time.

The credit line is not extra money. It’s $0 additional dollars. It’s just a pass-through so that you don’t pay cash or need to use your debit card.

I don’t change my plan. Whatever allocation and if timeline you had you stick to.

Dallas, which is a bit cheaper than Austin. The $325k number was comparing Dallas to Seattle.

Yeah that’s what we’re looking for too!

Can I ask, do you rent or own? In what area?

Can you expand on why? For is it’d be the hiking and the winter sports and the international city benefits (people and opportunities).

And it's interesting cuz a lot of other phenomenon seem to arise from these ideas.

For instance, there's a more readily accepted premise that men are only accepted if they're "useful". TONS of men feel this way. This is the next phase of what I mentioned above. Men (as a sub-group) begin to filter potential comrades/community members based on whether they could be adventure/hunt/fighting partners. Of course the "hunt" is not an actual hunt but a business, sports team, etc.

A really interesting area of psych is the difference between what boys need to develop well vs what girls need.

For instance, boys need a "gang" and they need to go on "adventures" together. This is probably because they're meant to be learning to hunt/fight together. Girls seem to require wider social acceptance for psychological safety. What we call "doting on them".

Broad brush so not everyone follows these norms, but I think it is important to acknowledge that there are some norms.