Big raise, new savings strategy?

Got by far the biggest raise of my career from $83k to $129k. I'm incredibly grateful for it and will definitely be enjoying it a little bit but I'm also fairly happy with my life as it was when I was making $83k and not trying to lifestyle creep too much. I currently own a condo and would like to own a single family home probably 5-10 years from now. The main thought I've been having with this raise is it will both enable me to save towards that goal and put me at a point where a mortgage with 20% down on a house might actually be affordable

My question is what would be the best strategy to go about saving towards that goal? I feel pretty good as far as my retirement savings rate but I have not done a lot of saving outside of that in recent years outside of making sure I maintain a six month emergency fund. I'm wondering if I should just throw my additional savings into my HYSA or if I should make extra mortgage payments. I currently owe $223k at 6.5% on my condo so the interest rate is a good bit more than my HYSA earns and I figure I'd sell the condo whenever I am ready to buy a house. Is there any reason I'd be better off saving more in a HYSA, or would extra principal payments make sense for me?

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u/Careless-Internet-63 — 10 days ago

Went to a concert and didn't drink too much

I go to a lot of concerts and it's almost always a guarantee that I'll be spending the next day miserable and hungover the next day. I always have some drinks before and tell myself it's going to save me money because drinks at shows are expensive but in reality it almost always means I drink far more than I would have otherwise and still drink a lot at the show. Last night I had a concert that was one I'd been anticipating more than just about any other show I've been to this year. I wanted to have a clear memory of it but still have some drinks and enjoy it so I didn't have any drinks beforehand. I had a total of 5 throughout the night at the show which is a lot less than usual for me and it made such a difference. I didn't feel awful in the morning, I actually brushed my teeth and went to bed when I got home instead of falling asleep on the couch, I was productive today instead of being miserable all day. Feels good to actually succeed in drinking in moderation

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u/Careless-Internet-63 — 12 days ago

The best seats are near the B stage

Incredibly happy with the seat I ended up in last night, being that close to the B stage was such an experience

u/Careless-Internet-63 — 12 days ago
▲ 506 r/Salary

At what salary did you start to feel like you'd really made it?

I've been making around $80k with minimal raises the past few years, I got a raise from $62k to $78k in 2023 and right now I make $83k. With the way cost of living has changed I honestly feel like I make less now than I did in 2023. I'm by no means paycheck to paycheck with how much I'm able to save for retirement, but it feels like the amount I have left over at the end of the month has just kept getting smaller. I have the biggest raise of my career so far kicking in next pay period that'll bring me up to $129k. I keep looking at the numbers and feeling like it'll truly feel different from the raises I've received in the past, but I've always felt like any significant raise was not near as impactful as I thought on how I feel about my finances. With this one though even maxing out my 401k and HSA to IRS limits I'll have a considerably higher AGI than I currently do. I'm currently contributing 10% to 401k and maxing out my HSA

At what point did your salary make you feel like you'd made it? For other people who have had raises like this, did you truly feel different after getting them, or were they less impactful than you anticipated? I'm not trying to massively increase my day to day lifestyle or anything, though I may consider taking a trip or two I've been wanting to take but putting off because of the cost in the next couple of years

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u/Careless-Internet-63 — 21 days ago
▲ 48 r/ADHD

How do you convince yourself to care about work?

I've worked an office job for almost five years now, and it feels like most of that time has been spent doing the bare minimum to make it look like I'm doing my job because I truly cannot bring myself to care about it. I still show up every day, I still mostly do what's expected of me, but I just don't care about the job or take any satisfaction from it other than knowing it means I'll get paid every two weeks. Sometimes I'll get assigned a new project or something and for a couple weeks I'll be working really diligently and actually feel satisfaction from my work but I inevitably get bored after that starts feeling like a normal part of my work and stop getting anything out of it. Adderall definitely helps me some but it doesn't fix me being bored and feeling like the work I do doesn't really matter and there's no reason for me to really care about it. I wish I had the passion and drive I see other people have who truly care about making a difference in their workplace, but I truly do not care about my job further than I have to to keep getting a paycheck and can't convince myself to feel any desire to do what I need to do if I want to excel at it

How do you guys convince yourself to actually care and feel passion for your work? I've heard people say you have to find something you're passionate about but I have put plenty of thought in it and I'm entirely unable to find anything I could realistically do for money that I actually care about or feel passion for. I feel like I'm wasting my life like this but I have no idea what else I can possibly do

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u/Careless-Internet-63 — 1 month ago

Worlds Live is one of the greatest pieces of art ever created

I love everything Porter has done since but I still find myself watching Worlds live sets with visuals more often than just about anything else Porter related. I hope there is another chance at some point in my life to experience Worlds live. Seeing it for the first time at Bumbershoot a decade ago was pretty special and seeing it again at Paradiso 2017 is a memory that will probably never be beat. I've loved Nurture and Smile live too but nothing is ever going to to top Worlds live

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u/Careless-Internet-63 — 1 month ago
▲ 7 r/drunk

How do you get relief from hangover vertigo?

I drank a fair amount last night, after a while today I was feeling a bit better and went to run some errands. I ended up getting in my car and just driving around the block and coming back home because the vertigo and motion sickness I started experiencing being in the car was unbearable. Does anyone have any tips for getting relief from this?

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u/Careless-Internet-63 — 1 month ago
▲ 204 r/skrillex

The after party was the stuff of legends

I will probably never stop thinking about Skrillex b2b Porter Robinson b2b Ninajirachi in a warehouse. Absolutely incredible stuff and I doubt I'll ever get the chance to see anything like it again

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u/Careless-Internet-63 — 2 months ago
▲ 96 r/SPEEA

I'm so proud of us

I know there's a lot of work ahead of us and a lot of emotion around the rejected contract but I just want to take a moment to appreciate what we're doing. I feel so much emotion being a part of this. Walking in factory marches is one of the few times in my life I've really felt like I'm part of something bigger than myself. I'm proud of us standing up to a corporation like Boeing. I'm proud that we're fighting to get what we deserve. You are all incredible. Boeing will be putting out a lot of scare tactics and propaganda trying to fearmonger you into accepting less than you deserve in the coming weeks. It's very important that you don't listen. If we all stick together we will win. I don't want to go on strike nor should you but I'm ready. If you're worried about food during a strike go picket, the people on the line will be well fed. If you're worried about rent talk to your union brothers and sisters, some of us will have the means to help you out. Together we will win what we deserve, solidarity is all it takes. Boeing needs us more than we need them

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u/Careless-Internet-63 — 2 months ago

How do you learn to be happy on your own

It feels like once I move on from an LO all I do is search for another person to be obsessed with. It took about a year of trying to stop thinking about my last one pretty much constantly, but I finally got there. I wouldn't say I was happy, but I wasn't torn apart about having lost her anymore. Then a couple months ago I met a new girl and it was just a whirlwind. We spent the night together the day we met and then spent every weekend together for several weeks after that. I was obsessed and convinced we would have a future together, unfortunately after this first few weeks things fell apart. After not hearing from her for a couple weeks I ran into her tonight. I thought we'd just say hi and go on our ways but we ended up spending several hours together mostly just talking. She told me she's started seeing something new which really hurt but I know I have no right to be upset. What I put into words to her that I never had before was that I have never felt truly happy without a companion like her and I truly don't have any idea how to be happy alone

I have the brain of an addict and I feel like that's how I approach relationships. When I like someone spending time with them is like a drug. It feels incredible and I can just never get enough. When I'm alone I'm just looking for a new fix. I'm alone far more than I'm in relationships. I hate this. I hate being unhappy. I want to figure out how to be happy with myself but I have no idea where to even start

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u/Careless-Internet-63 — 2 months ago
▲ 21 r/boeing

Sound Transit 513 adding bidirectional service at the end of the month

I promise this is related to Boeing. Good news for anyone who lives along I-5 South of Everett and has a desire to take public transit to work, I've always been frustrated that is didn't run northbound in the morning or southbound in the afternoon. The 513 runs from Lynnwood station to the Seaway transit center and takes about 30 minutes to make that trip. Obviously slower than driving but a good option to have that didn't previously exist

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u/Careless-Internet-63 — 2 months ago
▲ 4 r/drunk

Blacked out and wasted $100

I only had like 8 drinks over the course of 5 hours which is not a whole lot for me so I don't know why I was so far gone but the last thing I remember is ordering food and a beer at a pizza place. Based on the amount they charged me I'm pretty sure I ordered two pizzas which is really disappointing because I didn't bring any pizza home with me and I probably didn't even finish one of them. I also called an Uber three times and then didn't get in it and got charged $5 for the cancellation each time. I don't remember it but I ended up taking a bus part way home then getting off the bus and taking an Uber for some reason even though the bus would've taken me a lot closer to home if I'd stayed on. I guess I've gotten too used to drinking beer, I gotta control myself a little better when I drink liquor

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u/Careless-Internet-63 — 2 months ago

Is there any way other than see click fix to have an abandoned car removed?

There's been an abandoned car on my street for about 3 months now. There a 24 hour impound notice stuck to it and the date written on it was in May. It's been turned in to see click fix by multiple people but nothing has happened to it yet. It doesn't even have license plates on it and I'm tired of it taking up street parking space. Is there any way to get the city to actually do something about it, or do we just have to keep shouting into the void that is see click fix in the hopes that something will be done eventually?

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u/Careless-Internet-63 — 2 months ago

Playing at Gasworks is a disservice to fans

There's so much anticipation for this show and there are larger venues available. Choosing to play it somewhere that the vast majority of people will not get tickets is a disservice. Gasworks is also a public park and known for being hard to secure and a lot of people attempt to sneak into it during events with much lower demand for tickets, I'm genuinely concerned this is going to be unsafe with how many people didn't get tickets and will show up outside to hear it. They should move the show to an appropriate venue where more than a small percentage of those who want tickets have a chance of getting them

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u/Careless-Internet-63 — 2 months ago
▲ 93 r/SPEEA

Remember the negotiation team is made up of your coworkers

I know there will probably be a lot of feelings about the contract offer when it comes out. I'm not a negotiating team or BUC member and will find out the same time as everyone else, but I've talked to several members of the negotiating team and from some of the stuff I've already been seeing said I think it's really important to remind everyone that they are our coworkers who will be working under the same contract as the rest of us and no one wants us to get everything we deserve more than they do. The offer they've lifted is what they feel is the best they can do with the leverage they have. If we want to give them more leverage so they can go back and ask for more, we should reject it and authorize a strike. I really don't want to see the negotiation team attacked or ridiculed over this if the offer is lacking. They have worked hard for us and are ready to continue that hard work if we choose to send them back to the bargaining table. If we do that the best thing we can do is support them in fighting for more

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u/Careless-Internet-63 — 3 months ago

Is there an iMT always on kit for 2025+ cars yet?

I find it incredibly annoying that I can't have iMT default to on. I know there were kits for earlier years but they don't work with 2025 and newer cars from what I've heard. Has anyone found a kit that works?

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u/Careless-Internet-63 — 3 months ago