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What are your biggest pain points with personal finance? What problems do you have that you wish someone would solve?
Some of mine are:
- Splitting recurring expenses with roommates (e.g. rent, utilities, internet, etc.)
- Figuring out how to invest my money and how much to save
- Figuring out what to put into retirement savings (e.g. 401k)
- Setting up a budget and adhering to it
--Wishing I had a higher income, but not wanting to to the work to get it.
--Knowing I could spend a bit more without it really hurting my financial outlook, but me having trouble--psychologically speaking--with a lower savings rate.
Last edited by mysticaltyger; 07-24-2017 at 09:23 PM..
Even at 3.5%, I hate seeing how much interest I pay on my mortgage. My Ex used to get late fees all the time so I despise them on principle. Luckily I'm in control on the payment.
I've heard a rule of thumb...if you expect that investing your money will return at a rate 2% higher than your mortgage, then it's best to put any extra money toward investment, vs. paying the mortgage faster. 3.5% isn't bad.
Having to make up the difference of one of them doesn't have the money, I would guess.
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