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[quote=Anonymous][quote=Anonymous]

Your parents made $150k — that’s not lower middle class. [/quote]

My thought exactly. Nowhere near lower middle class. Where I grew up that would have been upper middle class, which, in my community, many of us mistook for upper class. Lots of what OP says doesn't make a lot of sense.

OP -- be careful. You sound like my mother, who was a hoarder ... of money. Yes, there is such a thing. And it's not good. [/quote]

i dunno, if OP grew up with his mom and his dad managed to deadbeat support payments it would mean that OP was primarily living at his mom's standard of living which was 25-40k as a single mom: lower middle. also, OP merely said that they now make more than both parents combined which has a *lower* bound of $150.

I had $10 million at 27 on a $140k salary thanks to working at a startup. (And then the market crashed. whoops.)

Anyway, OP-- if you're clearing RSUs, sell on vest, rebalance into some safe funds. make sure to also contribute the max to your 401k. Know that your definition of a safety net is probably more informed by trauma than most; be grateful that doesn't lead you into risky behaviour. But you should also invest in yourself and experiences. I don't mean going out to party-- but taking vacations, traveling, learning new skills that don't come naturally to you.

Your friends may find it too hard to incrementally plan out saving, maybe because they have gotten themselves too deep into debt and so digging out seems overwhelming. You can have sympathy for them without bailing them out. [/quote]

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