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PaperclipPerfector  9d ago (text post)   2002 thread views

Wellness Wednesday for February 12, 2025

The Wednesday Wellness threads are meant to encourage users to ask for and provide advice and motivation to improve their lives. It isn't intended as a 'containment thread' and any content which could go here could instead be posted in its own thread. You could post:

  • Requests for advice and / or encouragement. On basically any topic and for any scale of problem.

  • Updates to let us know how you are doing. This provides valuable feedback on past advice / encouragement and will hopefully make people feel a little more motivated to follow through. If you want to be reminded to post your update, see the post titled 'update reminders', below.

  • Advice. This can be in response to a request for advice or just something that you think could be generally useful for many people here.

  • Encouragement. Probably best directed at specific users, but if you feel like just encouraging people in general I don't think anyone is going to object. I don't think I really need to say this, but just to be clear; encouragement should have a generally positive tone and not shame people (if people feel that shame might be an effective tool for motivating people, please discuss this so we can form a group consensus on how to use it rather than just trying it).

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Just an aside, how can people have a million in liquid assets and an income of half a million? A 0% savings rate?

That's $300k after tax. Put 180k of that into PITI and you're on your way to not saving much.

Sorry, I realize I made a very unclear presentation there.

It's either/or. You have $1m in liquid assets at an income of any level. Well, probably not poverty wages. Let's say any income at or above median household for your local area.

-OR-

You have approx $500k in annual income for your household. And it's a reliable and consistent income - betting big on a commission only sales role, or your crypto day trading does not count.

As an aside to your aside: You'd be surprised how many people in super high COL areas (NYC, SF, LA) have > $500k annual incomes with low single digit savings. Private schools and even modest "keeping up with the joneses" are wild.

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