Kate
Forum Replies Created
-
Posts
-
“Also unfortunately, my car is in the shop and time is ticking, so my parents will have to take me to the place tomorrow.”
Uber.
Zillow and Trulia are real-estate websites, as far as I know, where you look up property to buy. I don’t think they are rental resources. You need to Google apartment rentals, your city.
Just keep shutting your parents down. Thank them for all they’ve done for you, but you are now moving out to live as an independent adult. That’s it.
Your car is in the shop? You didn’t budget for any car repairs though.
40% for rent is already more than recommended, but the other issue is that rents DO go up each year. I would really really recommend you do some job searching in the near future and try to find something that’s a level up. Ideally with hybrid working so you could be in an office sometimes and get to know ppl, take advantage of their heat and A/C and free food or whatever.
Do not get into the trap of justifying or explaining anything to your parents. Never invite them over, ever. Never talk about friends you make or people you date. Ever.
And please get therapy. This not affordable thing is such BS.
I mistakenly guessed the gross salary was $70k based off idk what. I’m in a higher tax bracket and I was going off of my take-home, which also accounts for a lot more deductions, so yeah, the comparison was way off. $48k gross does work out to around $41k net in her state. I checked because this LW is an unreliable narrator and I started getting a bad feeling that she doesn’t have a job and works under the table for her dad. But she mentioned the job in her first post and I do believe it exists.
Don’t ever tell them if you begin dating someone.
What was that whole thing about living on your own with a boyfriend anyway?
It’s hard to imagine how a 20-something female roommate could be more of a danger to you than your father, and there’s a chance you’d have some decent company, someone to hang out with. You mentioned on your other thread under this name that you don’t have friends. Craigslist is probably where you go for shared apartments, or some local apartment directory like apartments.com. Even if you do have to go with the 1-bed in an apartment complex, so be it. But I like the idea of a roommate situation for you so you’re not lonely, keep saving money, and maybe observe how regular people socialize.
Given that you wrote a whole other post recently under another name stating that you’d been living on your own for a year and had a boyfriend, I feel like this reads like more fantasy. After-tax earnings on $41k in your state are $2900
/mo, even if nothing has been deducted for retirement or health insurance. No one spends what you mentioned on gas who’s not commuting. I think it’s great that you’re thinking about moving out, but I’m still skeptical you really are right now. You’ve been so reluctant to acknowledge how sick and dangerous your parents are, and resistant to the idea of getting help.Definitely forget what I said about retirement, that was coming from a place of thinking you were in a secure family situation with a great financial head start and keeping the ball rolling. I also work for an investment company. You have to get out.
I also… like, who cares if the other apartment complex doesn’t have stellar reviews when you are *living with a sexually abusive dad and his enabler*?? I’m sure it’s fine, just get out of that house if you actually have any intention of doing so, which I doubt. And yeah, worry about retirement later.
You’re not really moving out, are you?
I filled my car up for $70 earlier this month and drove it 2 hours each way to cape cod and back, and drove it while down there, and it still has at least half a tank.
Anyway. It’s hard to believe things you say on here after that post about having a boyfriend and having already moved out. I don’t get what your deal is. But my best recommendation is get a female roommate and spend some money on therapy copays. Why did you claim you can’t afford therapy? What a crock of shit.
Honestly you’re doing very well right now, with a job that has benefits, a car that’s paid off, and thousands of dollars in the bank. I think that renting an apartment on your own is going to take a toll and has the potential to set you back. I don’t see where else you could save money but on rent. And I hate to think of you not saving 5% to get that match for a total of 10%. I do think if you’re not able to save 10% of what you make then you’re overextended.
Oh and a 5% match is really good! If you don’t contribute at least 5% then you are throwing money away / leaving free money on the table.
Then I would really recommend you hop jobs for a good raise ASAP. $40k is great money if you’re living with others, but unfortunately with rising costs it’s not necessarily solid enough to be a comfortable solo living, depending on where you live.
See how you do with sticking to a budget, but if you start carrying credit card balances or dipping into your savings, that’s a sign you need a higher salary or a roommate.
For perspective, I started my first real job at 26, making like $40k. I contributed probably the minimum to get the match, but kept increasing it, and was maxing out the 401k each year by age 32 or something. I have been maxing it out every year since then. Right now my 401k is worth around $525k in total, and I’m 47 and would like to retire in 15 years. That’s nowhere near enough to retire the way I would want. It is just my 401k though, I do have other investments and savings, but just trying to illustrate how much you really need to invest and it’s so important to start now.
