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Joined 1 year ago
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Cake day: June 16th, 2023

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  • I’m not sure they need updating as much as there needs to be a second set for the absurdly in debt. The steps as written work well for 2-3 years at most, which if you follow them can pay off around 50k+ in that timeframe. If you have so much debt that it would take 5-7 years or more of that level of intensity, it’s probably worth relaxing it a little to be debt free and taking 6-9 years. Anything forecasting longer than 10 years to get debt free probably requires going back to an even more intense effort to escape debt.











  • Don’t drift through this phase or you’ll regret it later. If you go to college have a plan to graduate in 4-5 years. College isn’t the place to find yourself, it’s a place where you trade money for knowledge. You will learn about yourself, but you can get more self discovery in other environments for far less expense.

    This is the time to establish a career and not just a job. It doesn’t have to happen at 22, but you need to know what you want and work towards it by 30.

    If you want kids younger is generally better, but not so early you have no means to support them. There’s never a perfect time, but there are bad times for kids. Aim for a good enough time. It’s a lot easier to chase a toddler at 25 than 35.

    Your life will likely significantly change several times in this period, embrace it and enjoy it. Single life, dating life, married life, college life, full time job life, and parent life ate all very different. You’ll experience many of these in this period.