u/idratheraskyou

For those of you who work at the VA, did you get a step increase after one year of employment as a new grad?

How many steps do you get per year or is it every two years?

Paid off my house and credit cards. But I feel the effect more from paying my house. New homeowners nowadays are paying 4-6% interest for a 500-600k homes. That’s like 3k a month interest only.
I’m essentially saving at least $2k/month. I’m glad I bought my house when I could 15 yrs ago.

I’m a newly hired VA employee. I intend to stay full-time for 6 years then do part-time or retire. I’ll be 58 by then. I don’t wanna work til I’m 59.

How does FEHB work to my benefit? I’m single. No kids. Is my premium going to be the same? What about retirement money in those 6 years that I earned?

Thank you!

I’m new to the system. I make sure I max out my contribution this year. I have another account from a previous employer.

I’ve got 20k so far. I plan to keep this job for 5 or 6 years then retire. I’m just tired of the rat race and want to just relax and enjoy what’s left of my life.

When I feel the urge to quit my job, I think about the amount of time I’d invested in this career. I’m a new grad NP with 15 yrs bedside. Got accepted to a specialty clinic. One month shadow/training. 16-20 pts/day. Inconsistent oversight.
I’d like to quit coz I feel exhausted at the end of the day, everyday. 5x8. I always stay late to finish charting. My fault.
But then I think about how lucky I am to have this job: 10 mins from home, no holidays/weekends/call, great benefits, 200k.
I’m sure hundreds of new grads and even experienced ones would take my spot in a heartbeat.
So, my motivation now also is the fact it took 18 months from application, interview, background check, and credentialing to land this gig. I don’t wanna go through that process again. I just wanna do this for 7 yrs then retire.
I just need to organize better. Thanks for listening/reading.

Paid off my credit cards and earned 40 bucks from my HYSA this month. That’s a win for me. Goal is to have $40k in my HYSA by end of year. That’s equivalent to one year expense.

Each year I save is equivalent to one year expense. Goal is to retire in 5 years at 57, so money saved at that time would just be in time to start collecting SS at 62. Can’t do this rat race anymore. Need to enjoy what’s left of my life. My brother died of cancer at 64.

I’d like to stop completely. I have managed to pay off my credit cards and saved 20k for emergency fund. Starting next month, I can set aside $4k/month. I plan to do that for at least 8 years then perhaps just retire. I’ve got 300k in my 401k right now which I won’t touch til 8 years from now.

I’ve been itching to go to the casino and gamble next month’s paycheck. Last time I played was last month. I can do this!

I feel awful. I got paid yesterday and I just gambled every penny this afternoon. My entire two week salary. I feel horrible. I do not have the energy to do anything right now. I’m just laying in bed. Feeling depressed. But I still have a lot of things to be thankful for. I’ll think about it later. Bye for now.

Well, I told myself NP is my terminal degree. I just started working as an NP. Graduated 2 years ago. Didn’t really have the motivation to work as an NP, but an opportunity came along.
Getting my NP was more of a peer pressure and partly a fall back when my back falls. Lol!
I’m kinda enjoying my job right now. Specialty clinic. So much to learn and I don’t miss bedside. I don’t think I’d be able to go back to bedside anyways. My perspective has changed.
Anywho, would going back for a DNP worth it? I intend to work for another 8 years then retire. I just wanna enjoy life after this gig. I could probably teach part time and that’s it. What y’all think? Thanks!

I was going to drop my home insurance after I paid off my house, but I told myself don’t be stupid. I picked up a couple of extra shifts last pay period and got my check yesterday and paid off my insurance for the year immediately. I also paid off two credit cards. I’ve already set aside some money for property tax this coming November. I can’t wait to get paid in two weeks and not worry about mortgage, home insurance, and property tax. Just food, utilities, and spoil myself with a new kitchen appliance.

With the average interest rate of 6% right now, I feel like I’m making an extra 2.5k savings just for the interest alone. I paid off my house as soon as I had the opportunity. Paid it off in 10 years instead of 30. I don’t deprive myself from eating out anymore. I can enjoy my extra $2.5k every month and spend it however I want.

I get paid this Thursday. Should I pay off my credit card? I owe $3k and that’s how much I get paid this Friday. I’ll have 200 dollars cash for emergencies and I’d have to wait til next pay period to fund my emergency fund. I just don’t want to incur interest on my credit card. We shall see.

I have a sense that I’m going to be OK but I’d like to get other people’s opinion. I just turned 50 and I only have 250 K in my 401 and I’m starting to contribute max starting this year. I make 120 K per year and I’m saving 2K every month to my HYSA. I don’t have a mortgage and I spend 3K monthly for food in utilities.

I have an extra 10 K annually to splurge for trips and other stuff.

What can I do different so I can retire at 60 or in 10 years I don’t mind paying my own insurance for two years until I can claim Social Security and then another three years to get into Medicare.