u/Aware-Eggplant

Hey all, I’m 21, and I graduated from college in May. I started my first job in San Francisco, California last month where I’m getting paid a base salary of $120,000. My post-tax take-home income is around $84,000.

My biggest expense right now is rent ($3000/month). I get 3 meals a day in the office, so I’m only paying for food/groceries on the weekends. All in, my estimated spend on “needs” is around $3500/month. I have no outstanding debt/other monetary commitments.

Right now, my investment strategy (in order of priority) is as follows:

1. Invest 10% of my pre-tax salary every month in a traditional 401k.
2. - That’s $1000/month or $12,000/year
3. - My employer provides a 3% match
4. - So, all in $15,600 in 401k
5. Invest 20% of my pre-tax salary every month in SGOV (Individual Brokerage Account on Schwab)
6. - That’s $2000/month or $24,000/year
7. - I will keep investing in SGOV until I have an emergency fund of $24,000 or more (so until the end of this year).
8. - I chose SGOV over a HYSA because of CA state tax benefits.
9. Invest the remainder in index funds (currently all in VOO on Schwab)
10. - Around $500/month or $6000/ year

My question is, is this a good enough/near-optimal plan for someone like me? I have also looked into Roth: both the 401k and the IRA, but I’m not sure what to replace/how to incorporate them in my current investment strategy.

I should also mention that I’m not a US citizen, and there is a 50-50 chance I end up leaving the US sometime in the future. Although I am, for sure, staying here for at least 5 years.

Appreciate all the help, and happy to answer any follow-ups!! Thanks y’all!

Hey all, I’m 21, and I graduated from college in May. I started my first job in San Francisco, California last month where I’m getting paid a base salary of $120,000. My post-tax take-home income is around $84,000.

My biggest expense right now is rent ($3000/month). I get 3 meals a day in the office, so I’m only paying for food/groceries on the weekends. All in, my estimated spend on “needs” is around $3500/month. I have no outstanding debt/other monetary commitments.

Right now, my investment strategy (in order of priority) is as follows:

1. Invest 10% of my pre-tax salary every month in a traditional 401k.
2. - That’s $1000/month or $12,000/year
3. - My employer provides a 3% match
4. - So, all in $15,600 in 401k
5. Invest 20% of my pre-tax salary every month in SGOV (Individual Brokerage Account on Schwab)
6. - That’s $2000/month or $24,000/year
7. - I will keep investing in SGOV until I have an emergency fund of $24,000 or more (so until the end of this year).
8. - I chose SGOV over a HYSA because of CA state tax benefits.
9. Invest the remainder in index funds (currently all in VOO on Schwab)
10. - Around $500/month or $6000/ year

My question is, is this a good enough/near-optimal plan for someone like me? I have also looked into Roth: both the 401k and the IRA, but I’m not sure what to replace/how to incorporate them in my current investment strategy.

I should also mention that I’m not a US citizen, and there is a 50-50 chance I end up leaving the US sometime in the future. Although I am, for sure, staying here for at least 5 years.

Appreciate all the help, and happy to answer any follow-ups!! Thanks y’all!

Hi all, was really curious about this question since we keep debating Kratos' numbers. Would love to hear your thoughts on this video. Took a lot of effort and research to make, but glad to hear and improve on anything I got wrong/missed!

Have a blessed day!

Only thing I can think of is the Temple of Tyr (estimated 1.7mil tons), is there anything heavier?

What new weapons/artifacts/abilities might we see/you want to see in Laufey? Both according to the mythology and game-lore?

Quick disclaimer: I’m collecting input from GoW fans for a new YT video I’m working on. So please know that your input will be very helpful to me:) I will be crediting this sub as a whole in the video description. @Mods I hope this is okay?

Thank you!

What new weapons/artifacts/abilities might we see/you want to see in Laufey? Both according to the mythology and game-lore?

Quick disclaimer: I’m collecting input from GoW fans for a new YT video I’m working on. So please know that your input will be very helpful to me:) I will be crediting this sub as a whole in the video description. @Mods I hope this is okay?

Thank you!