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[–] [email protected] 1 points 4 weeks ago

Nothing in particular. Mostly, it’s for early retirement and partly just for “fuck-you money.” I pretty much own everything I’ve ever wanted, and anything I don’t have, I could buy if I really wanted to. I make a decent living and live below my means. I invest a good portion of my income into ETF index funds every month, and I’m at a point where my passive income matches - or even exceeds - what I’m able to save from wages.

I’m self-employed nowadays, and whenever business is slow, I don’t have to stress about it because of my savings. Time is my most valuable asset, and anytime I get to do something other than work counts as a positive in my book. That said, I don’t really mind working anymore either, because what I do for a living is pretty much what I’d be doing anyway.

I guess you could say I save so that I don’t have to stress about finances.

[–] [email protected] 9 points 4 weeks ago (4 children)

I'm not even sure anymore really. The only thing that comes to mind at the moment is crazy drugs and sex day before I blow my brains out. I've seen a couple stories about people realizing life really is worth living after a binge like that, and it has me wondering if that would really work for me haha

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[–] [email protected] 2 points 4 weeks ago

saving money is its own reward

[–] [email protected] 4 points 4 weeks ago

I'm going on my first trip with my girlfriend and I'm saving up for a stay in the mountains. We both love hiking, so I think everything will work out.

[–] [email protected] 2 points 4 weeks ago (4 children)
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[–] [email protected] 2 points 4 weeks ago* (last edited 4 weeks ago) (1 children)

Gotta run PEX piping to replace the copper we've got so I can remove the oil water heater so we can also remove the oil furnace and convert to electric (not logic to replace the furnace if we need to keep the reservoir because of the water heater) then we can start fixing cracks in our foundation walls so we can insulate them, as long as we're done with that before next winter I'll be satisfied.

So yeah, anyone's got 15k?

[–] [email protected] 2 points 4 weeks ago (1 children)

Fucking hell nightmare being an adult socks sometimes

[–] [email protected] 2 points 4 weeks ago (2 children)

At least I'm doing some of it myself to save on labor 🤷

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[–] [email protected] 8 points 4 weeks ago (1 children)

Too little spare money to save much. After clearing my current debt the next item will be a chair, new curtains, then a refrigerator. Ideally.

[–] [email protected] 3 points 4 weeks ago

I hear you.

[–] [email protected] 0 points 4 weeks ago

Nothing right now. Just maintenance for now. Nothing really excites me, a mood that's been around for a while.

[–] [email protected] 9 points 4 weeks ago* (last edited 4 weeks ago) (1 children)

Everything. New phone, new laptop, more clothes, more bling. Piercings. Despite always wanting I've made it through life without any tattoos so far (which I'm also kinda glad about because I'm pretty sure I would have something edgy and cringy if I'd done it when I was younger). So, tattoos. Decent healthcare, dental care, mental care.

Also, I lied. I'm not actually saving up money for anything right now. But if I had money that could be saved up, these are things that I would be saving up for right now lol.

Edit: actually real answer, enough money to do some sort of course or diploma and aim for something better in life.

[–] [email protected] 4 points 4 weeks ago (1 children)

I'm in my 40s only just started getting tattoos now I'm obsessed. What would you get done? And what diploma would you do?

[–] [email protected] 3 points 4 weeks ago (8 children)

Btw, sorry that I can never answer anything without waffling on lol. This is why I suck at Twitter and Bluesky. And I don't talk this much in real life. So feel free to not even read, clearly I'm on some sort of high right now.

It definitely seems like getting tattoos is addictive. I still haven't got as far as the 'what' yet myself. I want it to have some sort of small meaning but not be pretentious either. So some object / animal / creature that looks cool but I can also have some reason for, even if only I know the reason. The only thing I know for sure is that I've always wanted henna style tattoos on my hands ever since I was a kid drawing on my hands with a pen in school lol. But that would probably make me even more unemployable, so education first.

But as for an education, either something writing related or programming related. My main goal is something without a dress code or someone breathing down my neck. Preferably WFH. I don't need to be rich, just more than surviving and happy. Writing would be the more 'laid back' route for me, my writing has become feral over the years but it was the thing in school that I could get As for with my eyes closed.

Programming would be the route with harder work and probably involve doing jobs that don't thrill me as much as writing. But it would also help for my art because I start making games in my spare time and exercise the writing, drawing (pixel art) and music making part of my soul at the same time.

Also, by all accounts, teaching English as a foreign language sounds like it nets a decent but humble little income too. And would also be fairly laid back and allow time for side projects.

Uh, basically the story of my life is being undecided about what I really want to do with myself.

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[–] [email protected] 10 points 4 weeks ago

A house. Kinda feel like I cannot buy anything I don't strictly need because of this.

[–] [email protected] 3 points 4 weeks ago

I have my eye on a guqin. I'll never be able to play one, but they look gorgeous and I'd want one as a decoration for my wall.

[–] [email protected] 3 points 4 weeks ago

The new neverending fuckery that most of my shithead neighbors voted for.

[–] [email protected] 2 points 4 weeks ago

A (likely secondhand) PS5 because a game I really want, Digimon Story Time Stranger, releases this year! That's my biggest goal right now, but aside from that there's also some albums and Tamagotchi I want to buy eventually haha

[–] [email protected] 4 points 4 weeks ago

Just put down the closing costs for a house. So saving to replenish savings for a bit.

[–] [email protected] 6 points 4 weeks ago

To finish med school. Got about a year left, and i'm sort of broke. I'm getting by. Everyone talks how i'll have cash later on but damn i'm broke now.

I'm dreaming about a new tent for camping, a car, and to buy more expensive food.

[–] [email protected] 10 points 4 weeks ago

Saving up for a down payment on a house. It feels so daunting!

[–] [email protected] 4 points 4 weeks ago

Just to make number go up at the moment. One day I'll want a new laptop but mines new now so maybe in like 5 years.

[–] [email protected] 4 points 4 weeks ago (1 children)

Used to save up for a house but prices are rising faster than I can save up and soon I'd be in debt for the rest of my life if I did buy one.
So now I'm just saving up so I won't have money troubles living a simpler life. Small rented apartment, don't have to worry about not having enough money to buy food or pay the bills. Can spend a certain amount on entertainment and other leisure each month and I have a sizable buffer in case I become unemployed.

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[–] [email protected] 6 points 4 weeks ago

A new saxophone. I have been playing the sax for 15 years and have kept my beginner horn ever since. A good sax starts at 5k though, so I‘ll probably need at least 5 more years at my current saving rate

[–] [email protected] 3 points 4 weeks ago

Honestly I have no idea. Save as much as I can, invest spend, HYSA the rest. I suppose eventually a house in like 15 years? maybe retirement eventually?

not sure and honestly kind of falling in love with the idea of micro-retirements so maybe i'll spend it on that?

[–] [email protected] 17 points 4 weeks ago* (last edited 4 weeks ago) (1 children)

Car tires. Literally.

Also funds to fix my car if it breaks down.

I'm fucking owned by my car I need to go to work in this god forsaken country with no public transport.

[–] [email protected] 10 points 4 weeks ago (1 children)

Let me know if you want any self-repair advice.

[–] [email protected] 3 points 4 weeks ago (1 children)

Np on that front, my pops is a mechanic so got that covered.

[–] [email protected] 9 points 4 weeks ago (2 children)

For the passers-by in a similar spot without a family mechanic, then.

[–] [email protected] 2 points 4 weeks ago
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[–] [email protected] 23 points 4 weeks ago (1 children)
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[–] [email protected] 17 points 4 weeks ago (4 children)

So probably mostly for retirement. The problem is that I've been moving between counties and studying and doing stuff so I'm afraid it will be impossible to collect it from all the countries together so that I can get a normal pension, so I will have to work quite long and yeah if I'm lucky and get old then I'll be probably very poor.

[–] [email protected] 1 points 4 weeks ago* (last edited 4 weeks ago) (1 children)

My grandpa worked in a couple diff countries in eurrope back in 1900's, he worked for 5 years in 2 diff countries and then came back to work in his home country for 30 years and ended up getting pension from 3 countries.

Atleast back then you had to work for 5 years in a country to get their pension.

[–] [email protected] 2 points 4 weeks ago (1 children)

I worked in Germany, started apprenticeship to become a heating engineer when I was 16 for 3.5 so that time I payed in but not much, then I worked 2 years in a factory but in between I was in military, but I guess this counts to some degree. Then I went back to school to be able to go to university.

But then I moved to Sweden, there I worked 1.5 years as a paperboy during the night while learning the language. Then I worked for 2 years as a web frontend developer and then I went to University. During University I worked half time as a iPhone app and web developer for about 5 years. Then I worked for 7 years as a embedded developer at a car supplier company.

And then I moved to Korea and worked here for 3 years with the same.

So at 46 I only have 14 years of 100% work and 5 years at 50% work and then those very low paying jobs 5 years and one year of military. And that between 3 countries and two continents.

[–] [email protected] 1 points 4 weeks ago

There was a woman here that used to work at a national park for 20 years but only 5 - 7 months every year, and after 20 years they finally accepted her for full time, she is now 47 but needs to work a minimum another 30 years to get minimal pension.

She didn't have the means to leave the country to look for work, and no other job wanted to hire her even thiught she would send couple hundred job application each year.

Now she is stuck having to work till she is almost 80 for any kind of pension.

[–] [email protected] 4 points 4 weeks ago (1 children)

Yep that's a tricky one. How long till you retire?

[–] [email protected] 5 points 4 weeks ago (1 children)

I'm only 46, but let's see when I can retire :D

[–] [email protected] 3 points 4 weeks ago

You're never to young to start

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[–] [email protected] 6 points 4 weeks ago (1 children)

I've got my rainy day fund which I only touch in true emergencies. I'm also saving to go to LA in November! Tickets are bought, but not paid for lodgings etc

[–] [email protected] 3 points 4 weeks ago (1 children)

I hope you don't get deported lol. I've always wanted to visit the US, parts of it at least. Seems pretty scary right now though.

[–] [email protected] 4 points 4 weeks ago (2 children)

It is. I'm kinda worried they'll turn me into a handmaid

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