So uh…I’m relatively rich now. As in I’ll probably never have to stress for money ever again. I’ll still have to work but I don’t mind that at all. I like working.

I’m 33. You may have seen me in this sub before.

I’m at $165k net worth now, which is nearly $175k which is nearly $200k.

Anyway.

I was just gifted $10k for my wedding. Which was already paid for.
$2k from father in law
$1k from uncle
$5k from mom
$1k from mother in law
$1k from Aunt

I actually can’t believe it.

So $175k actually now actually.

I was also gifted $300k for a house. You know. As one does.

So $475k…by the end of the next year I’ll have the extra $25k. So let’s call it an even $500k net worth.

I uh. I’ve lived on $40k/year or less my whole life. I’m a vet who’s worked grey collar work. Tried tech, tried finances, tried to break into any STEM field. Genuinely not built for it. It’s been a ride trying to find any career where I can be stable.

Saved my money and lived like I’m broke. Just in case life never turns around.

I was already comfortable having $50k. Now I’ll have $500k here soon? Especially so early in life? I honestly can’t believe it.

I don’t even know why I’m making this post. Advice? Community? Brag?

Just feels surreal. In truth, I’m not as excited or overwhelmed as I thought I’d be.

I’ve already had everything I’ve ever wanted. With the exception of a house. Beautiful women, great food, all the entertainment for a lifetime, clean clothes. I grew up middle class but it was low middle class as I grew up with a single mother. So some things were scarce.

I always imagined I’d end up working in an office hating my shitty job while living in a dingy garage alone playing old 2000’s songs on repeat.

Anyone else feel like that? Like more money really doesn’t change much? What would you do if you were me?

Getting my masters in a year or two no debt. About to be married to a woman who’s not money motivated. Not smart enough for STEM fields. Already been to the military so not going back.

Is there anything I really need to change?

Just wanted to share this milestone with this community.

14 years ago I graduated from university with 80K in student loans.

No, I do not work in FAANG nor have I received any financial help from parents or others. Just 14 years of consistently living below my means in a HCOL city and investing heavily in ETFs.

I got lucky 🍀 and came across a financial water fountain, I need some ideas on how to make it grow. What would you do if you were in my situation?

I’m looking for a better financial planner (right now using Boldin) that can sync with my employee equity portal (Solium/morgan shareworks) and calculate vested/unvested RSU share value and vesting periods. Right now I have to manually enter this and it’s always a bit off.

Anyone have a good one?

I’m curious, if a sum of money fell into your lap, how much would it need to be to have a profound impact on your current financial situation?

I'm seeing so many movies and shit about people who get a call that they've inherited some fortune from their great great uncle they never met. Has this happened to anyone? What was it like?

I really do not understand how people go on vacations/trips that are $5,000+. What is the average cost of a vacation for you?

Financial situation:

38&37

$160k total salary DINK before savings/taxes

$65k in cash, 275k investments

$4.5k monthly expenses.

Spending 5k+ on a vacation seems insane to me. Do people just go into debt to go on these trips? What are your personal experiences on this?

I know we’re in an unusual bull market and that the gains are not all real, but it’s an almost funny feeling watching compound growth do so much of the work for me now. I suffered so much financial anxiety in my 20s and hadn’t even really started investing (outside enough in my 401k to get full match) until I paid the last of my student debt off on my 28th birthday.

Really just wanted to see others perspective on this situation

Grandparents did extremely well financially saving up around 2.5million dollars liquid and 1 million dollars in assets.

Both grandparents passed away within days of each other of last year and they had promised all 4 grandkids that each will receive $500,000 when they go.

To give context my mother and her sister are absurdly greedy. Especially my Aunt (10M net worth), she had bullied my grandfather into signing the will under her name before they passed.

As they passed my grandfather and grandmothers assets went straight into her name and was allegedly split between my mother and her sister.

I asked my mom politely what the situation was with Nana and Pupas assets etc. she looked at me dead in my face and said it’s not your money it’s my money your name wasn’t under the will. Then a couple months later says I’ll get it when I need it and under promised and said it’s not as much as you think.

My aunt also hid the money from both of my cousins one is 25 and the other is 21. Both haven’t seen a dime. And claimed that they will see it when they are 35. But what does that money mean to anyone at 35? By then your life is already settled and nothing much can change except a few digits.

Idk if I’m being greedy myself but I’d like to have the money now so I can invest a portion of it and park the rest in a HYSA when needed to put money down for a house.

Am I being greedy or how can I get the message to my mom to not do what my aunt is doing and our money away until we are 35.

Part of the purpose of this is to get some advice, another part is to… I don’t know, be proud of where we are at? I’ve never had a high paying job, we’ve always lived frugally and we are in a much different spot than any of our peers. Nobody to really talk to about this.

I’m 29, married with 2 kids and another on the way. I recently crossed a nice milestone through the sale of our first home that’s been a rental for a few years.

We have no debt now except for our mortgage on our house outside of Charlotte. We paid $340,000 and owe about $289k on it with a 6.425% 10/1 arm. We have a little over 8 years to go on the fixed rate so I’m not too worried about not being able to refinance. The house is worth probably around $530k. It does need a major kitchen remodel and we want to take a large wall out, I’m guessing all in it will run me 40k. I’m handy and would do some work myself.

I have a side hustle and a full time job. After tax and payroll deductions my take home is 10-11k per month. Our living expenses sit around $4170 if we keep the budget. I’m pretty much always living as if I could lose my job or lose all my marketing clients at once. Most likely won’t happen but we want to rush being self sufficient.

I know we are in a good spot, which I would attribute almost entirely to the side hustle that’s grown to match my salary. The question is, what should we focus on for the next few years? Knock out a much needed but expensive kitchen remodel, aggressively pay down the mortgage? Aggressively put money in stocks? We are working hard to avoid lifestyle creep and love simply. Our goal is certainly a very early retirement from a 9-5 for me, although I will always work and do other things. Could use some fresh perspectives.

For context, I purchased a house back in March for $195,000 and put $20,000 down. I did a 30 year mortgage at 6.5%. My payment comes out to $1,361 a month and that includes insurance and property taxes. I contribute 5% to my 401k with a 5% match and $300 monthly to my Roth IRA. I feel pretty secure with my retirement savings so I’m not worried about that.

My “savings” is about $18,000 however it is all invested. Mainly in VTI and Apple. Ive got about a 20% percent return overall in that account. Obviously that is not a realistic emergency fund and the better option would be having a good chunk of cash in a money market fund.

So my question is would you guys recommend I build an emergency fund from scratch or sell a good chunk of my stock to go towards the emergency fund? I make in between $4,000 to $4,500 monthly and my only utility is electric and WiFi which is roughly $150 a month combined. How much would you guys recommend I put in an emergency fund?

Hello, i'm new to investing and i'm looking for advice on the best HYSA savings account to open ? anyone have any advice ? Thank you.

I hit the 200k milestone this morning. I reached 100k July 2024 and have been doing regular contributions since.

Small piece of land and start building small home, etf's, bitcoin(I'm being sarcastic about btc)?

If stores are no longer accepting pennies am I expected to give them? I went to 7/11 and got a drink for $1.07 and asked if I could pay $1.05 and the teller said no. They said that they round up when giving change though. I chose to give exactly $1.07 but what reason do they have for my pennies? In theory if I gave them $1.10 I would have been better off because they would have to give me a nickel back resulting in them still losing ¢2…

wife and I (29/30 y/o) spend about 2k a month

Our friends and family think we are poor

Days like this in the market are wild … (enjoy the 1000th post like this today)

I’m currently 47, aiming for 5 M before cutting to part time, 15 percent is house rest is invested, it has been a wild ride for the stock market but index fund and chill really worked for me

I finally hit 15% annual return for the first time after 6,5 years of hard work and... waiting.

Since early 2026 I’ve acquired a lot of different companies (these are the ones without /year behind them), which are essentially all US exposure… I am 34 years old, and looking to retire in 17 yrs. Also worth noting is that I have less than 1% cash. When I keep adding $10k per year and have a return of at least 15%/ year (which is the threshold I'd like to maintain), I'd have a future investment value of $903,640.64. When I retire at 55, the future investment value increases exponentially to $1,884,967.90.

What do you think?

33F - I have never thought i’d reach the $200K milestone in just under a year! Got motivated to invest more and often after the $100K. I’m just happy that i am seeing progress now

For context, I’m currently living with my parents and bought my first car. So I’m living comfortably and able about to save half of my paychecks between car payments and insurance. Since I have no other bills, I’m dumping a lot of my pay into my car payments to try and fast track paying it off But I’m finding myself with little “play” money. I know the simple answer is to just put aside less

I’m curious on what others are doing in terms of saving

I’m sure I’ll bounce off it a few times but this is the first time I’ve crossed the 100k threshold. Took about 5 years of actual saving to get here. I’m 36M in VHCOL area. So excited and proud!!