From a 45 minute commute...!?!

You're young. That's a substantial raise, and more importantly, it shows that you are on an upward trajectory.

Then, do it again in another year or two. (I'm assuming you are in some sort of tech as you are WFH). Early in your career, your salary can skyrocket in the first 5-7 years.

Maybe it impacts your work-life balance, but, maybe meeting people will improve your personal life! My coworkers from my second job out of school are still some of my closest friends, 20 years later.

When in doubt, take the money. ;)

Base is about 165k. RSUs 38k. I also have a sign on and some relocation bonus.

[deleted]

Thank you! Are you referring to the maximum income limit until I can contribute to Roth IRA?

My HSA is with Fidelity.

Sounds like a great deal. And as you stated it is close to work. Sometimes 3 miles can take you over a half hour at the wrong times.

Question; you did mention your TC is $200k, how much of that is salary vs RSU? If your mix is something crazy like $100k base and $100k RSU it will be dicey, but if you have a more normal split (80%/20%) I think you'll be fine.

[removed]

Can you move closer to the new job, reducing commute time and expenses?

Thanks. This gives me a bit more confidence :) Even though my office doesn’t mandate being in person, this place is within 3 miles and I am hoping to bike to it whenever possible. And I agree on paying more for less commute and better access to everything.

He got unlucky....or he never bothered with scheduled maintenance and tuning.

Don't forget the mental anguish. It'll be fine at first, then miserable to an unbelievable degree. Maybe moving closer to new job could be in your future?

It sounds as though your wife has passed away - my condolences.

It's for my portion, the total rent is $4k and we split it $2800/$1200 since I make significantly more.

At $200k TC, it's pretty doable. Depending on where you're working and how often you have to commute, driving across the BA can be a huge pain due to traffic.

We could have found a smaller/cheaper place that was further away, but I live close enough that I can bike to work in 15 minutes and I'm satisfied with paying a bit more and reducing my commute.

That's true, but not when it comes to asset allocation. You get around it by doing the same split in each type.

Sure but I don’t see how that relates to asset allocation

Are you ok

TIL that is something a potential employer may actually ask for, it's not something I've ever had requested during a job application or interview.

Instead of minor repair costs you take on the most significant portion of the depreciation curve and have 5 more years of payments. It's not a financially advantageous decision spending a dollar to save a nickel, but potentially OP will have a nicer ride

Understandable, it would add several years of payments under the new loan and cost a lot more money, but that's expected. Most my usage is leisure, which would make sense to keep it. I'm not overly concerned about the additional 3 years (5 years on the new one, but I still have 2 years on my current anyway) of payments that would need to be made and have additional funds in my current situation that would allow me to overpay towards the principle of my loan, which may not be as likely in the mid-future (~5 years out) as I anticipate larger life decisions to come into play (which would also make upgrading a car unreasonable at that time).

Someone yesterday said: something to keep in mind is that after-tax and before-tax dollars are not equal. If it is a traditional 401k then there are still income taxes to be paid. That might change what the actual split is when compare on an after tax basis.

Which is why I asked.

Someone yesterday said: something to keep in mind is that after-tax and before-tax dollars are not equal. If it is a traditional 401k then there are still income taxes to be paid. That might change what the actual split is when compare on an after tax basis.

Which is why I asked.

It definitely makes sense to use your credit card when you have the amount of money you're spending. You probably should only be spending when you have the money to do so. The advantage of using a credit card over debit is that it builds your credit score and has other benefits (such as cash back, airmiles, etc).

Another thing to note is that keeping your credit card utilization under 30% will build your credit score fastest. If you want the cash back benefits of spending more than 30% and you want to build your credit score quickly, you can also pay it down to 30% utilization before the statement date.

^ this

I had a different career and changed paths at 30. I taught myself some basic web development/JS and when I liked it I went to a coding boot camp. Landed a job and have been employed since. It’s definitely possible