SoftwareDeveloperII
Dryer sheet wannabe
Hello, I'm a 23 year-old software developer -
Anyone on this forum a software developer?
...from northern VA, near the government capital of the nation.
For the past year I have been systematically eliminating every student loan I've taken. Except one for about $3,500 that's at 2.480% variable interest. Only reason it's not paid is I'm scrambling to save for a down payment on a home before the first-time homebuyer tax credit expires (Nov 30). I'll try to buy a house for < $70,000 at a 30-year fixed mortgage rate. I actually discovered this forum on Google when I was investigating my mobile home options.
I drive the same beater I've owned since high school and buy my "casual" clothes from WAL-MART.
The most volatile expense I have is food. Anyone else?
My "plan" is to retire using my Roth IRA with substantially equal periodic payments (SEPP) since planning to retire on interest-only seems too optimistic. My current employer has a Roth 401(k) plan I use. It matches contributions. Currently I have 90% of this in Media and Telecom. stock.
I enjoy building useful websites in my spare time and would like to supplement my income using ad revenue. (I do wonder if anyone really makes any significant money with that).
I don't have any illusions of entering upper-level management because I couldn't imagine hating my job for 20+ years. I admire the fortitude of those on this forum who have endured that. I don't expect my salary to reach six figures in the next decade.
Next year I plan to apply the homebuyer tax credit savings to SOMETHING and that is a huge unknown to me.
Anyone on this forum a software developer?
...from northern VA, near the government capital of the nation.
For the past year I have been systematically eliminating every student loan I've taken. Except one for about $3,500 that's at 2.480% variable interest. Only reason it's not paid is I'm scrambling to save for a down payment on a home before the first-time homebuyer tax credit expires (Nov 30). I'll try to buy a house for < $70,000 at a 30-year fixed mortgage rate. I actually discovered this forum on Google when I was investigating my mobile home options.
I drive the same beater I've owned since high school and buy my "casual" clothes from WAL-MART.
The most volatile expense I have is food. Anyone else?
My "plan" is to retire using my Roth IRA with substantially equal periodic payments (SEPP) since planning to retire on interest-only seems too optimistic. My current employer has a Roth 401(k) plan I use. It matches contributions. Currently I have 90% of this in Media and Telecom. stock.
I enjoy building useful websites in my spare time and would like to supplement my income using ad revenue. (I do wonder if anyone really makes any significant money with that).
I don't have any illusions of entering upper-level management because I couldn't imagine hating my job for 20+ years. I admire the fortitude of those on this forum who have endured that. I don't expect my salary to reach six figures in the next decade.
Next year I plan to apply the homebuyer tax credit savings to SOMETHING and that is a huge unknown to me.