while employed i spend very recklessly - ordering delivery instead of cooking, going out a lot and paying for my friends' drinks and rides, etc. - meal prepping, as i do now, saves me hundreds per week.
also i generally insist on paying my way in relationships, sometimes even covering the majority of the costs. for example, i fully supported a manchild for 2.5 years who it turned out was lying to me about applying to jobs because he just wanted me to take care of him.
PS5 and a PC that broke last year and i still need to get fixed. i don't buy Games often, mostly stick to Rocket League. my rent is $2200 in Los Angeles.
'money' is kind of like a unit of exchange for experience, which is most valuable when you are younger. if you played the game some other way (abstemious living in youth in exchange for a more comfortable retirement), you actually fucked up beyond description. but i'll be gentle and won't go into details on this.
i rent and have no Assets. but i agree it's not too bad, and not great either. the part he SHOULD be mocking me for is my failure to get a Job since i was laid off seven months ago imo.
Date: November 9th, 2026 9:23 AM Author: Metallica - Blackened.mp3 ((zurich is stained))
"not bad, not great" only by xo standards. if you compare yourself against society in general, you are doing exceptionally well. i think the median 401(k) balance among 55+ year olds is like $167k or 234k or some shit like that, so to have around half a million at 30-something is actually good.
cr. i keep reminding myself that even though it'll feel like failure if i have to withdraw from a retirement account early, i'm lucky that i have that option at all. many people my age don't have any savings. think my bf's NW is negative rn lol.
Date: November 9th, 2026 9:41 AM Author: Metallica - Blackened.mp3 ((zurich is stained))
holy fuck, i just googled this, it's worse than i thought:
According to the Federal Reserve’s 2025 Survey of Consumer Finances (reported in 2026), median U.S. retirement savings range from $0 for ages 18–24, $1,780 at 25–29, $12,780 at 40–44, $35,520 at 45–49, $40,000 at 55–59, and peak at $49,260 for ages 60–64.
i think it's the averages that are in the 6 figures (but even then, they are low af). so most people have basically nothing saved for retirement.
Date: November 9th, 2026 9:45 AM Author: Metallica - Blackened.mp3 ((zurich is stained))
reading stuff like that gives me second-hand anxiety. social security looks like it's in danger of going bust (like for real this time) in the next decade or so. wtf are people going to do? and at the same time, their shitty jobs may be replaced by AI.
Date: November 9th, 2026 10:28 AM Author: Metallica - Blackened.mp3 ((zurich is stained))
not cr, especially if someone has kids. if you pile up billions, you could set your family up for generations. as it is, i'm hopefully going to be able to set up my kids, their kids and probably a generation after that.
Date: November 9th, 2026 9:54 AM Author: Oh, you travel? ()
I don't put much stock in these surveys because they seem to assume everyone has one 401k that encompasses their savings, but it's common to have multiple rollover accounts and shit like that, especially if you're a Loser who gets Fired or Laid Off frequently.
i've been unemployed since April, was making $182k at my last job
not sure what that means but almost certainly. i'm horrible at saving. right out of college i was making $72k and spending it all having a blast, and as i earned more and more, my spending just expanded to fill the space lol.
rent is $2200 plus a $400/mo rehearsal studio lockout so i can practice music loudly at any time of day
yeah blowing through savings especially since even though i'm mostly cooking now, i still get lazy and order food sometimes, and i always cover my bf's food too if we're together, which we usually are. ordering food for both of us can be like $60 for one meal lol. i do get $450/wk unemployment since August (should've applied at the beginning but thought i'd get a job quickly) which is 180 and on good weeks that's more than enough for all my living expenses but often other stuff comes up too.