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(NPR)   Wait. An NPR article on how to save for your financial goals that doesn't include "eat less avocado toast" or "buy less Starbucks lattes" as any of its main points? What is this I don't even   (npr.org) divider line
    More: Strange, Investment, savings accounts, financial counselors, good start, set dollar amount, specific goals, Willa Williams, short-term goals  
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2354 clicks; posted to Main » on 25 Jun 2022 at 3:05 AM (7 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



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2022-06-25 3:10:20 AM  
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2022-06-25 3:11:09 AM  
Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat. 

So telling someone to stop eating avocado toast to save money is just another way of saying, "You deserve to starve".
 
2022-06-25 3:22:50 AM  
They're just trying to change the typically branding to recognize that most avocados are now rotting at the border thanks to supply chain problems and most people aren't paying for starbucks because their coffee is crap
 
2022-06-25 3:22:51 AM  

Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat.


I appreciate your possible sense of humor but, avocadoes haven't been that cheap this decade. They're currently $1.28/each for the scrawny little Haas avocadoes. A cruddy manufactured loaf of cheap bread runs $3.13. They're not exactly a wild luxury, comparable in price to a dollar-menu cheeseburger, so whether you wanted meat or not isn't a cost issue.
 
2022-06-25 3:31:53 AM  
Step one: have a job that actually pays you a living wage. Terms and conditions apply.
 
2022-06-25 3:49:32 AM  
It's simple: work in some big city, but live in Gary, Indiana.
 
2022-06-25 3:49:36 AM  

lizaardvark: Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat.

I appreciate your possible sense of humor but, avocadoes haven't been that cheap this decade. They're currently $1.28/each for the scrawny little Haas avocadoes. A cruddy manufactured loaf of cheap bread runs $3.13. They're not exactly a wild luxury, comparable in price to a dollar-menu cheeseburger, so whether you wanted meat or not isn't a cost issue.


Great Value bread is $1 here.
 
2022-06-25 3:52:08 AM  

Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat. 

So telling someone to stop eating avocado toast to save money is just another way of saying, "You deserve to starve".


Yes, but if you're dropping $18 on it at the corner cafe....
 
2022-06-25 4:06:23 AM  

Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat. 

So telling someone to stop eating avocado toast to save money is just another way of saying, "You deserve to starve".


You've been here for 8 years and don't know the Millennials/avocado toast meme?
 
2022-06-25 4:08:12 AM  
Local IPA vs. Bud, Coors, Miller. How cheap do you want it? Stomped (cut)? Stop drinking. I dare you all.

.....carrier lost
 
2022-06-25 4:25:50 AM  
I don't get the hate for NPR. Given that it's center-to-center-left talk radio, I've always assumed its target demographic was middle aged professionals commuting to work. The main sponsors of our local station are an estate planning firm, financial planners, an eye surgery practice and a Subaru dealership.
 
2022-06-25 4:30:34 AM  

lizaardvark: Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat.

I appreciate your possible sense of humor but, avocadoes haven't been that cheap this decade. They're currently $1.28/each for the scrawny little Haas avocadoes. A cruddy manufactured loaf of cheap bread runs $3.13. They're not exactly a wild luxury, comparable in price to a dollar-menu cheeseburger, so whether you wanted meat or not isn't a cost issue.


I was getting them for 50 cents each 6 months ago at Sprouts. Unfortunately, the most recent photo I could find was 2018.

consumerqueen.comView Full Size
 
2022-06-25 4:34:37 AM  

Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat. 

So telling someone to stop eating avocado toast to save money is just another way of saying, "You deserve to starve".


I didn't try it until it became an insult, but it is delicious
 
2022-06-25 5:04:15 AM  

Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat. 

So telling someone to stop eating avocado toast to save money is just another way of saying, "You deserve to starve".


If you buy it at Starbucks, it's stupid people's food.

Same with the latte.
 
2022-06-25 5:08:05 AM  

lizaardvark: Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat.

I appreciate your possible sense of humor but, avocadoes haven't been that cheap this decade. They're currently $1.28/each for the scrawny little Haas avocadoes. A cruddy manufactured loaf of cheap bread runs $3.13. They're not exactly a wild luxury, comparable in price to a dollar-menu cheeseburger, so whether you wanted meat or not isn't a cost issue.


Can't you get a pack of wonderbread for like 50cents?

It seems odd that basic food would be that more in USA compared to Denmark, where a loaf of toast bread is 1USD Inc. 25% tax.

Meat and cheese is cheaper than avocado here, dunno why. Maybe avocado isn't really grown in the EU.
 
2022-06-25 5:09:13 AM  

indylaw: I don't get the hate for NPR. Given that it's center-to-center-left talk radio, I've always assumed its target demographic was middle aged professionals commuting to work. The main sponsors of our local station are an estate planning firm, financial planners, an eye surgery practice and a Subaru dealership.


There's hate for NPR?
 
2022-06-25 6:35:51 AM  

roofmonkey: [Fark user image image 600x338]


Fine: "fewer acacado toast".

Happy?
 
2022-06-25 6:50:17 AM  
My financially planning recommendation is instead of buying that expensive refrigerator, just store your perishables outside during the winter. During the summer just eat everything the day you buy it. Most people don't know that you can consume a weeks worth of groceries in one day and live off of that for the next week if you just train your metabolism for it. If you already have a refrigerator, sell it and invest in dogecoin.
 
2022-06-25 7:05:38 AM  
Joe Biden assures me we're all going to get green jobs.
 
2022-06-25 7:11:35 AM  

Ketchuponsteak: indylaw: I don't get the hate for NPR. Given that it's center-to-center-left talk radio, I've always assumed its target demographic was middle aged professionals commuting to work. The main sponsors of our local station are an estate planning firm, financial planners, an eye surgery practice and a Subaru dealership.

There's hate for NPR?


They provide serious journalism and don't fellate Donald Trump. Therefore libbiest of the liblibs.
 
2022-06-25 8:20:27 AM  
Worthless article. The issues it talks about are so generalized as to be meaningless.
 
2022-06-25 8:21:42 AM  
Someone on Quora was asking for financial help.  I told them that most investment firms can help them if they can invest even just $50 a month in an account.  The CFP (Certified Financial Planner) will not only handle your investment, but will look at ALL your money and debts and help you juggle them most efficiently.

They asked, "Where would I get $50 a month?"  Answer: Buy your coffee at McDonald's for $1 instead of Starbucks' for $4.  You'll save $60 a month to invest.

I also noted that your plain old bank manager would gladly sit  down and help you straighten out of finances.  It's part of their job and they  like helping customers.
 
2022-06-25 8:24:22 AM  

hoodiowithtudio: Ketchuponsteak: indylaw: I don't get the hate for NPR. Given that it's center-to-center-left talk radio, I've always assumed its target demographic was middle aged professionals commuting to work. The main sponsors of our local station are an estate planning firm, financial planners, an eye surgery practice and a Subaru dealership.

There's hate for NPR?

They provide serious journalism and don't fellate Donald Trump. Therefore libbiest of the liblibs.


That's funny, because NPR stands for "Nice Polite Republicans".
 
2022-06-25 8:30:22 AM  

Ketchuponsteak: indylaw: I don't get the hate for NPR. Given that it's center-to-center-left talk radio, I've always assumed its target demographic was middle aged professionals commuting to work. The main sponsors of our local station are an estate planning firm, financial planners, an eye surgery practice and a Subaru dealership.

There's hate for NPR?


On both sides of the aisle, but luckily, we can just ignore them all.
 
2022-06-25 8:31:19 AM  

Dustin_00: It's simple: work in some big city, but live in Gary, Indiana.


"live in Gary, Indiana" is an oxymoron.
 
2022-06-25 8:39:34 AM  
I highly recommend this book for people who want to save
img.thriftbooks.comView Full Size
 
2022-06-25 8:51:28 AM  

SpectroBoy: I highly recommend this book for people who want to save
[img.thriftbooks.com image 255x400]


I just ordered it. One of the things that I noticed is that many reviews say it is geared toward people just starting out in their careers. Unfortunately, I'm closer to the other end as I am in my 50's. Any advice for some good financial planning reading materials for someone like me?
 
2022-06-25 8:52:58 AM  

Tyrone Slothrop: hoodiowithtudio: Ketchuponsteak: indylaw: I don't get the hate for NPR. Given that it's center-to-center-left talk radio, I've always assumed its target demographic was middle aged professionals commuting to work. The main sponsors of our local station are an estate planning firm, financial planners, an eye surgery practice and a Subaru dealership.

There's hate for NPR?

They provide serious journalism and don't fellate Donald Trump. Therefore libbiest of the liblibs.

That's funny, because NPR stands for "Nice Polite Republicans".


Fark user imageView Full Size
 
2022-06-25 8:54:38 AM  
I find the three savings accounts idea a little tedious.  I use the one at my regular bank as my overdraft protection (when I remember it and gotten to a spot in the past year I can actually stash $100 or $200 there) then we have a CU through work that I put in money from my checks.  Now they're good in that they suspended outside transfer fees but at least there's hoopla involved to making a transfer and prevents us from doing it on a whim.  Even if you do three savings accounts at your normal bank there's no real win to it (unless you're Wells Fargo I guess).
 
2022-06-25 9:09:04 AM  

indylaw: I don't get the hate for NPR


NPR burned my father alive and beheaded my mother.
 
2022-06-25 9:20:20 AM  

Feel_the_velvet: indylaw: I don't get the hate for NPR

NPR burned my father alive and beheaded my mother.


Nobody expects the French Directoire Inquisition!
 
2022-06-25 9:59:35 AM  
If you're buying your coffee at Starbucks, you're not buying coffee, you're buying dessert.
 
2022-06-25 10:28:41 AM  

lizaardvark: Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat.

I appreciate your possible sense of humor but, avocadoes haven't been that cheap this decade. They're currently $1.28/each for the scrawny little Haas avocadoes. A cruddy manufactured loaf of cheap bread runs $3.13. They're not exactly a wild luxury, comparable in price to a dollar-menu cheeseburger, so whether you wanted meat or not isn't a cost issue.


It's regional. They're like 20 cents in CA, 2 for a buck in some places etc. I can get day old bakery loafs for like 50 cents.
 
2022-06-25 10:30:09 AM  

Ken VeryBigLiar: I find the three savings accounts idea a little tedious.  I use the one at my regular bank as my overdraft protection (when I remember it and gotten to a spot in the past year I can actually stash $100 or $200 there) then we have a CU through work that I put in money from my checks.  Now they're good in that they suspended outside transfer fees but at least there's hoopla involved to making a transfer and prevents us from doing it on a whim.  Even if you do three savings accounts at your normal bank there's no real win to it (unless you're Wells Fargo I guess).


I have 4.

1) My everyday

2) My emergency (used to be 6 months, now is 3 months because I can get more elsewhere)

3) My travel outside the US. This one is attached to a different member number at my Credit Union and has its own debit card attached with no access to any of my other money. When it is full enough for a trip, I only use this card so, if I get robbed or the number is stolen, the most I can lose is what is in this account. I moved money out of it during the pandemic and just kept the bare minimum since I knew I wasn't going anywhere in the near future

4) The one attached to my brokerage account. This is where all my dividends go and I use the money for things like paying property taxes and car/homeowner's insurance.

One thing the article didn't say was: when you finish paying off something like a car loan, take the same amount of money and put it towards some form of savings. You are already used to not having that money in your basic budget. When you acquire a new loan, use it towards that again and you will not feel the bite as much as if you had been just spending it in between loans.

Also, if you change jobs, unless it is a small amount, do not roll your old 401(k) into a new employer's one. Move it into some independent tax qualified vehicle like an IRA. The internal expenses of a 401(k) are higher so your growth has potential to be greater outside one, plus you have more options.
 
2022-06-25 10:50:36 AM  

Big_Doofus: SpectroBoy: I highly recommend this book for people who want to save
[img.thriftbooks.com image 255x400]

I just ordered it. One of the things that I noticed is that many reviews say it is geared toward people just starting out in their careers. Unfortunately, I'm closer to the other end as I am in my 50's. Any advice for some good financial planning reading materials for someone like me?


It's pretty good. It will help you understand the various categories of saving and investing. I didn't read it until I was in my 40's and it gave me a lot of clarity about what not to waste time and money on. It's an easy read and well worth the time. If nothing else, you will have the vocabulary needed to have a useful conversation with a Financial Planner.

I have had really good results with Edward Jones for financial planning. I've been with my guy for 25 years and he's done very well for me. They don't have a commercial arm so their advisors aren't trying to sell you stocks and funds that the company has a vested interest in. They are just there to make you money while following your risk tolerance and objectives. Good luck.
 
2022-06-25 11:03:46 AM  

catmandu: Ken VeryBigLiar: I find the three savings accounts idea a little tedious.  I use the one at my regular bank as my overdraft protection (when I remember it and gotten to a spot in the past year I can actually stash $100 or $200 there) then we have a CU through work that I put in money from my checks.  Now they're good in that they suspended outside transfer fees but at least there's hoopla involved to making a transfer and prevents us from doing it on a whim.  Even if you do three savings accounts at your normal bank there's no real win to it (unless you're Wells Fargo I guess).

I have 4.

1) My everyday

2) My emergency (used to be 6 months, now is 3 months because I can get more elsewhere)

3) My travel outside the US. This one is attached to a different member number at my Credit Union and has its own debit card attached with no access to any of my other money. When it is full enough for a trip, I only use this card so, if I get robbed or the number is stolen, the most I can lose is what is in this account. I moved money out of it during the pandemic and just kept the bare minimum since I knew I wasn't going anywhere in the near future

4) The one attached to my brokerage account. This is where all my dividends go and I use the money for things like paying property taxes and car/homeowner's insurance.

One thing the article didn't say was: when you finish paying off something like a car loan, take the same amount of money and put it towards some form of savings. You are already used to not having that money in your basic budget. When you acquire a new loan, use it towards that again and you will not feel the bite as much as if you had been just spending it in between loans.

Also, if you change jobs, unless it is a small amount, do not roll your old 401(k) into a new employer's one. Move it into some independent tax qualified vehicle like an IRA. The internal expenses of a 401(k) are higher so your growth has potential to be greater outside one, plus you have more options.


The one changw that has made the biggest impact to my life was not multiple savings, but multiple checking accounts.

1) Bills account. Mandatory expenses only like mortgage, gas, electricity, insurance. Don't cary this debit card. This is basically your cost of living. Set up automatic deposits and payments and forget.

2) Groceries/Gas/Fast food/Eff off account. Ya gotta eat and go. Since I bought an electric vehicle, I have more money for food and money to waste on strippers, but only so much money. When I "blow the budget" it's because this account is empty.

3) Large Purchases Credit Union: The rest of a paycheck dumps here. Many moons ago, I used this account to get a couple of  secured loans (which I closed after a couple months) to jump start my credit. Then I applied for progressively larger unsecured loans and just kept the money for a few months, paying the interest charges and then closing them and repeating the cycle so I have access to cash for large purchases, already financed on my terms. The only problem is the CU is not open on the weekends which is a big pain. I don't always have a loan open, but I like having the history of paying back larger and larger loans. One day I might need a lot and I like the maxim of using "other people's money" while I keep my own. Don't carry this debit card around.

4) Brokerage: I move the cash between the CU and brokerage and invest in 401K and other things. This is only money I can afford to lose, including the 401k. You gotta have a plan B, and 401k is still plan A

Plan B is reducing my expenses/cost of living as much possible via solar, well water, wind, geothermal HVAC. Plan B is to not need more money. If I can live off of $1500 a month, I think I'll be straight. I'm at $2500/month with all my bills now, and I save the rest.
 
2022-06-25 11:18:48 AM  

Rock Krenn: .

I have had really good results with Edward Jones for financial planning. I've been with my guy for 25 years and he's done very well for me. They don't have a commercial arm so their advisors aren't trying to sell you stocks and funds that the company has a vested interest in. They are just there to make you money while following your risk tolerance and objectives. Good luck.


Same experience with Jones, 40 years.

We worked on a new office for a firm with a large commercial arm.  Every morning, the office manager would gather all the associates in the bullpen and give them the talk: "We just got a good price on a shiat-ton of ACME shares.  I want you to get out there and hit the phones."  We got acquainted with one of the guys, he called it, "Dialing for dollars."

We finished the project in the fall of 1987, just before Black Monday.  After laying off all but two employees, they ended up with a lot more office than they needed.  It's been a dentist office ever since.
 
2022-06-25 11:29:02 AM  

Robinfro: lizaardvark: Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat.

I appreciate your possible sense of humor but, avocadoes haven't been that cheap this decade. They're currently $1.28/each for the scrawny little Haas avocadoes. A cruddy manufactured loaf of cheap bread runs $3.13. They're not exactly a wild luxury, comparable in price to a dollar-menu cheeseburger, so whether you wanted meat or not isn't a cost issue.

Great Value bread is $1 here.


That IS (actually might be) a Great Value.
 
2022-06-25 11:30:04 AM  

claytonemery: Someone on Quora was asking for financial help.  I told them that most investment firms can help them if they can invest even just $50 a month in an account.  The CFP (Certified Financial Planner) will not only handle your investment, but will look at ALL your money and debts and help you juggle them most efficiently.

They asked, "Where would I get $50 a month?"  Answer: Buy your coffee at McDonald's for $1 instead of Starbucks' for $4.  You'll save $60 a month to invest.

I also noted that your plain old bank manager would gladly sit  down and help you straighten out of finances.  It's part of their job and they  like helping customers.


I find it hard to believe that someone who knows they don't have $50 a month to spare, at all, would be spending $60 a month on Starbucks coffee.

I say this as someone who has spent years of his life not having $50 at the end of the month. And I never went to Starbucks, because I didn't even have $50 to spare at the end of the month.

/so tired of this BS argument
 
2022-06-25 12:05:14 PM  

Wine Sipping Elitist: The one changw that has made the biggest impact to my life was not multiple savings, but multiple checking accounts.

1) Bills account. Mandatory expenses only like mortgage, gas, electricity, insurance. Don't cary this debit card. This is basically your cost of living. Set up automatic deposits and payments and forget.

2) Groceries/Gas/Fast food/Eff off account. Ya gotta eat and go. Since I bought an electric vehicle, I have more money for food and money to waste on strippers, but only so much money. When I "blow the budget" it's because this account is empty.

3) Large Purchases Credit Union: The rest of a paycheck dumps here. Many moons ago, I used this account to get a couple of  secured loans (which I closed after a couple months) to jump start my credit. Then I applied for progressively larger unsecured loans and just kept the money for a few months, paying the interest charges and then closing them and repeating the cycle so I have access to cash for large purchases, already financed on my terms. The only problem is the CU is not open on the weekends which is a big pain. I don't always have a loan open, but I like having the history of paying back larger and larger loans. One day I might need a lot and I like the maxim of using "other people's money" while I keep my own. Don't carry this debit card around.

4) Brokerage: I move the cash between the CU and brokerage and invest in 401K and other things. This is only money I can afford to lose, including the 401k. You gotta have a plan B, and 401k is still plan A

Plan B is reducing my expenses/cost of living as much possible via solar, well water, wind, geothermal HVAC. Plan B is to not need more money. If I can live off of $1500 a month, I think I'll be straight. I'm at $2500/month with all my bills now, and I save the rest.


Same theory, slightly different way to go about it.

My pension and SS check go into my everyday savings. Twice a month I automatically transfer what I typically need into my checking. Money leftover in savings accumulates and a couple of times a year I will reallocate to emergency or travel. If emergency gets too big, I will invest the excess. Now that travel is easier, I am moving money back into that account. Saving up for a trip to Egypt. All of my accounts except Brokerage are with the same credit union so moving it, especially with auto transfers, is easy.

I can agree with the others who say Edward Jones is a good place to look if you need an investment advisor. My parents had an account since they opened an office in their town back in the 80's. Mom outlived 2 advisors and was on her third when she passed away. All of them did a great job for her. My advisor was with EJ for 20 years but became interested in taxes so he is both an investment advisor and a CPA, and is independent both for taxes and investments. His current Broker/Dealer is Woodbury which also has no proprietary financial vehicles either. EJ seems to have the best training of the independent broker/dealers and supervises their advisors closely.
 
2022-06-25 12:13:53 PM  
"Savings account"...if you open one go to a credit union and not one of the big banks. Big banks have been getting free money for well over a decade now, and they repay you for "holding" your money by reaping big rewards as they loan it out at high-interest rates while not even giving the owner 1farking%.

If you have money to spare you're better off opening a short-term CD will give you a better interest rate if you can wait for 6 months or so to get your cash.

Sure, it won't make you a millionaire, but these days every dollar counts.

/always has
//wish I had learned that lesson younger
 
2022-06-25 12:18:05 PM  

Ken VeryBigLiar: I find the three savings accounts idea a little tedious.  I use the one at my regular bank as my overdraft protection (when I remember it and gotten to a spot in the past year I can actually stash $100 or $200 there) then we have a CU through work that I put in money from my checks.  Now they're good in that they suspended outside transfer fees but at least there's hoopla involved to making a transfer and prevents us from doing it on a whim.  Even if you do three savings accounts at your normal bank there's no real win to it (unless you're Wells Fargo I guess).


Maybe, just maybe, that particular piece of advice (in an article meant to reach a very broad audience) would be helpful for someone other than you. I don't shive a git about overdraft protection, for example, but I don't go pointing out that I find your post a little tedious. Oh wait.
 
2022-06-25 12:20:56 PM  
I've had an interesting thing happen as I have more time while I play the back nine of my career. I've started volunteering for Sleep in Heavenly Peace, a group that builds and delivers beds for kids who have no bed. I think I was led to this to make me less judgmental. There are times when I pull up to an apartment or dilapidated old home ad see a $50K SUV outside of the home, big screen TVs, etc and the family is living in poverty. I have learned these are often decent people who are doing the best they can. My job is not to Dave Ramsey their finances. It's to deliver the bed for their kids. Lots of times I get a hug and some of these kids act like I have given them a new car. Then I get back in my old pickup with no AC and go to the next one. I see a lot of hope...parents who are doing the right thing and are only in poverty for the short term. I see things that are less hopeful also. But my job is just to bring the beds.
 
2022-06-25 12:37:55 PM  

hoodiowithtudio: Ketchuponsteak: indylaw: I don't get the hate for NPR. Given that it's center-to-center-left talk radio, I've always assumed its target demographic was middle aged professionals commuting to work. The main sponsors of our local station are an estate planning firm, financial planners, an eye surgery practice and a Subaru dealership.

There's hate for NPR?

They provide serious journalism and don't fellate Donald Trump. Therefore libbiest of the liblibs.


On Fark?

Trump isn't popular on Fark.
 
2022-06-25 1:10:39 PM  

Robinfro: lizaardvark: Grauenwolf: Avocado toast is poor peoples' food. An avocado is like 50 cents in season and a loaf of bread isn't much more. It's what you eat when you can't afford meat.

I appreciate your possible sense of humor but, avocadoes haven't been that cheap this decade. They're currently $1.28/each for the scrawny little Haas avocadoes. A cruddy manufactured loaf of cheap bread runs $3.13. They're not exactly a wild luxury, comparable in price to a dollar-menu cheeseburger, so whether you wanted meat or not isn't a cost issue.

Great Value bread is $1 here.


A loaf of white bread at Aldi is $.85. Wheat bread is a little over $1.
 
2022-06-25 1:16:37 PM  

claytonemery: Someone on Quora was asking for financial help.  I told them that most investment firms can help them if they can invest even just $50 a month in an account.  The CFP (Certified Financial Planner) will not only handle your investment, but will look at ALL your money and debts and help you juggle them most efficiently.

They asked, "Where would I get $50 a month?"  Answer: Buy your coffee at McDonald's for $1 instead of Starbucks' for $4.  You'll save $60 a month to invest.

I also noted that your plain old bank manager would gladly sit  down and help you straighten out of finances.  It's part of their job and they  like helping customers.


Brew it yourself at home for pennies. Coffee is almost pure profit for a restaurant. Also, by making it at home, it'll be fresher than at McDs or Starbucks where its been sitting for who knows how long.
 
2022-06-25 2:01:54 PM  
What is this? It's NPR.  Has subby never listened to one of their actual productions?  I been listening to a multipart series about prison labor and the practice of strong-arming minor drug offenders into years-long,l that takes deep dives into the industry and interviews workers stuck in these hellish working arrangements where they either work for sub-minimum wages or go back to prison for more years than they would have served with a guilty verdict.

NPR/GBH and the affiliates are farking amazing, one of the last worthwhile uses of American tax dollars.
 
2022-06-25 2:03:35 PM  

deadsanta: What is this? It's NPR.  Has subby never listened to one of their actual productions?  I been listening to a multipart series about prison labor and the practice of strong-arming minor drug offenders into years-long labor contracts.  It takes deep dives into the industry and interviews workers stuck in these hellish working arrangements where they either work for sub-minimum wages or go back to prison for more years than they would have served with a guilty verdict.

NPR/GBH and the affiliates are farking amazing, one of the last worthwhile uses of American tax dollars.

/typo fix, sry

 
2022-06-25 2:22:26 PM  

Rock Krenn: I have had really good results with Edward Jones for financial planning. I've been with my guy for 25 years and he's done very well for me. They don't have a commercial arm so their advisors aren't trying to sell you stocks and funds that the company has a vested interest in. They are just there to make you money while following your risk tolerance and objectives. Good luck.


There's one in the business park across the street from me.  I should go down there and talk to someone.  I'm mid 30's with a kid and have no real retirement plan.  I should probably get on that.
 
2022-06-25 2:33:55 PM  
Having savings goals is highly underrated. I came up with two truly substantial goals, and I can see just how little it really takes to make real change in my life. Having that idea in mind enables you to have perspective on how to get between here and there, as well as the scale of what you are trying to do. 25k seems like a lot of money, but it's really not when you can put it into perspective.

It's kind of depressing to realize how little money it takes to change someone's life.

/Insult to injury, years ago I mined a few hundred thousand dogecoin
//but I never transferred it to a wallet and now the mining pool doesn't want to give it to me
 
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