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Posted: 12/10/2022 9:26:00 PM EDT
[#1]
How does a 401k loan work?
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Posted: 12/10/2022 9:26:16 PM EDT
[#2]
onlyfans
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Posted: 12/10/2022 9:27:29 PM EDT
[#3]
Bummer man.
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Posted: 12/10/2022 9:27:33 PM EDT
[#4]
Go thru your house and find the 5 items worth something you have not used in 6 months or more and sell em. If you have not used em in the last 6 months you dont need em, as much as you need cash.
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Posted: 12/10/2022 9:27:59 PM EDT
[#5]
Stop drinking man
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Posted: 12/10/2022 9:28:01 PM EDT
[#6]
With kid medical bills and a huge drop in work at my shop, my wife and I are looking at working 4 engineering jobs between us to try to get way ahead of the coming storm.
I have zero faith in any current political solutions. |
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Posted: 12/10/2022 9:28:04 PM EDT
[#7]
Avatar fits.
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Posted: 12/10/2022 9:28:25 PM EDT
[#8]
Quoted: Well, debt finally caught up with me. I make 70k a year, have a career, but don't have a dollar. I'm paying back 1200 a month to my 401k loan (last payment will be in march), and I have 12k in cc debt. I got paid Friday, and had 140$ left a few hours later after paying my bills. I drank that 140$ last night. Someone bought groceries for me, if it wasn't for that I'd have no food either. So, anybody have any weekend job opportunities in San Antonio? No, no weird shit, I'm not that desperate. First off I would quit the booze stop feeling sorry for yourself and work hard. I’m about to be in the same situation although I make more than 70k. It’s still going to take awhile to dig myself out of stupidity. Like others have said sell some shit around your house you don’t need. I hate selling guns but it’s a easy and quick money. |
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Posted: 12/10/2022 9:28:44 PM EDT
[#9]
You spent $140 on alcohol and someone else had to buy you groceries? It sounds like your problem is alcohol.
Get some help. |
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Posted: 12/10/2022 9:29:07 PM EDT
[#10]
Sounds like you need Dave Ramsey's total money makeover. Also stop drinking. Good luck.
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Posted: 12/10/2022 9:29:09 PM EDT
[#11]
Being a tightwad helps. My advice would be to tighten things up.
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Posted: 12/10/2022 9:29:53 PM EDT
[#12]
Damn, $1200 a month to pay off a 401k loan?
You could have used that 401k loan to pay off your $12k credit card note. And instead of drinking away whatever you have left of your paycheck after bills you should buy groceries instead. Your priorities are all fucked up. |
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Posted: 12/10/2022 9:30:21 PM EDT
[#13]
Quote HistoryQuoted: Stop drinking man Drinking gets expensive. I used to spend $80 every Friday night at the bar. I stopped that years ago. |
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Posted: 12/10/2022 9:30:21 PM EDT
[#14]
Time to sell assets and buy more alcohol
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Posted: 12/10/2022 9:30:33 PM EDT
[#15]
Quote HistoryQuoted: You spent $140 on alcohol and someone else had to buy you groceries? It sounds like your problem is alcohol. Get some help.  Attached File |
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Posted: 12/10/2022 9:30:38 PM EDT
[#16]
Let me know when you're desperate enough for weird shit. It won't hurt.
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Posted: 12/10/2022 9:31:00 PM EDT
[#17]
Drive Uber after work and on weekends to tide you over?
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Posted: 12/10/2022 9:31:23 PM EDT
[#18]
If you hadnt of spent 140.00 drinking last night I would of shot you some money on venmo. Make better choices. Vodka from the pharmacy, turn your lights off and drink in the dark like the rest of us for 12.89.
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Posted: 12/10/2022 9:31:42 PM EDT
[#19]
Did you not consider spending that $140 on groceries instead of booze?
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Posted: 12/10/2022 9:32:12 PM EDT
[#20]
You blew $140 at a bar?
Quit drinking or learn to drink moderately, at home for much cheaper 
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Posted: 12/10/2022 9:32:16 PM EDT
[#21]
Quoted: Well, debt finally caught up with me. I make 70k a year, have a career, but don't have a dollar. I'm paying back 1200 a month to my 401k loan (last payment will be in march), and I have 12k in cc debt. I got paid Friday, and had 140$ left a few hours later after paying my bills. I drank that 140$ last night. Someone bought groceries for me, if it wasn't for that I'd have no food either. So, anybody have any weekend job opportunities in San Antonio? No, no weird shit, I'm not that desperate. I think I see the problem. I'm afraid to ask, but how much do you spend on guns and ammo as well as booze? |
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Posted: 12/10/2022 9:32:20 PM EDT
[#22]
Quote HistoryQuoted: You spent $140 on alcohol and someone else had to buy you groceries? It sounds like your problem is alcohol. Get some help. This. Get some help, grow up, and make better decisions. |
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Posted: 12/10/2022 9:32:25 PM EDT
[#23]
Why do I keep seeing people put the dollar sign after the quantity? Did I miss the memo?
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Posted: 12/10/2022 9:32:31 PM EDT
[#24]
Quote HistoryQuoted: Stop drinking man I know, I was 5 years sober. I have the knowledge as to why drinking is bad for me. |
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Posted: 12/10/2022 9:33:02 PM EDT
[#25]
Quote HistoryQuoted: If you hadnt of spent 140.00 drinking last night I would of shot you some money on venmo. Make better choices. Vodka from the pharmacy, turn your lights off and drink in the dark like the rest of us for 12.89. my thoughts as well. If you're broke, buy a cheap bottle from the store not a $140 tab at the bar. |
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Posted: 12/10/2022 9:33:15 PM EDT
[#26]
I’ll kick you in the taint for $5.. I’m not that far away.
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Posted: 12/10/2022 9:33:17 PM EDT
[#27]
Quoted: Well, debt finally caught up with me. I make 70k a year, have a career, but don't have a dollar. I'm paying back 1200 a month to my 401k loan (last payment will be in march), and I have 12k in cc debt. I got paid Friday, and had 140$ left a few hours later after paying my bills. I drank that 140$ last night. Someone bought groceries for me, if it wasn't for that I'd have no food either. So, anybody have any weekend job opportunities in San Antonio? No, no weird shit, I'm not that desperate. I think I've discovered why OP is a failure. Bet he buys lottery tickets too. |
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Posted: 12/10/2022 9:33:19 PM EDT
[#28]
Quoted: You spent $140 on alcohol and someone else had to buy you groceries? It sounds like your problem is alcohol. Get some help. Quoted: Being a tightwad helps. My advice would be to tighten things up. |
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Posted: 12/10/2022 9:33:31 PM EDT
[#29]
Quote HistoryQuoted: If you hadnt of spent 140.00 drinking last night I would of shot you some money on venmo. Make better choices. Vodka from the pharmacy, turn your lights off and drink in the dark like the rest of us for 12.89.  John Hiatt Alone In The Dark |
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Posted: 12/10/2022 9:33:34 PM EDT
[#30]
Second job, we've all done it when the situation calls for it
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Posted: 12/10/2022 9:33:39 PM EDT
[#31]
Stop drinking.
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Posted: 12/10/2022 9:33:45 PM EDT
[#32]
Quoted: Well, debt finally caught up with me. I make 70k a year, have a career, but don't have a dollar. I'm paying back 1200 a month to my 401k loan (last payment will be in march), and I have 12k in cc debt. I got paid Friday, and had 140$ left a few hours later after paying my bills. I drank that 140$ last night. Someone bought groceries for me, if it wasn't for that I'd have no food either. So, anybody have any weekend job opportunities in San Antonio? No, no weird shit, I'm not that desperate. I have a buddy who lived like that for years. Still does I think. He's made some really good money but student loan debt and cc debt are drowning him. He gets calls from debt collectors. Still managed to maintain a TS/SCI though. I didn't know his finances well but it seemed to me he continued to make a lot of poor choices. He couldn't afford a car and lived in a very cheap apartment. But he spent money on high end camera gear and other stuff. Seemed too stressful to live like that. I dunno. He was a generally unhappy guy. Sounds like you have an exit strategy. Stick with it and get out. |
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Posted: 12/10/2022 9:34:01 PM EDT
[#33]
Quote HistoryQuoted: This. Get some help, grow up, and make better decisions. Quote HistoryQuoted: Quoted: You spent $140 on alcohol and someone else had to buy you groceries? It sounds like your problem is alcohol. Get some help. This. Get some help, grow up, and make better decisions. 
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Posted: 12/10/2022 9:34:43 PM EDT
[#34]
Quote HistoryQuoted: Damn, $1200 a month to pay off a 401k loan? You could have used that 401k loan to pay off your $12k credit card note. And instead of drinking away whatever you have left of your paycheck after bills you should buy groceries instead. Your priorities are all fucked up. I used the 4% interest 401k loan to pay off a 17% interest loan. |
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Posted: 12/10/2022 9:34:59 PM EDT
[#35]
Uber/Doordash/Instacart/Taskrabbit, etc? Pay isn't great but you can work or not work whenever you want.
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Posted: 12/10/2022 9:35:09 PM EDT
[#36]
You want advise? It seems pretty simple, stop drinking so much.
Sounds like you have a drinking problem, and possibly depression. Not being a jerk, go get some help man, it's only embarrassing if you know you need the help and don't take it. |
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Posted: 12/10/2022 9:35:30 PM EDT
[#37]
Come on man. Maybe Ye was right
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Posted: 12/10/2022 9:35:47 PM EDT
[#38]
Quoted: Well, FIFY |
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Posted: 12/10/2022 9:36:17 PM EDT
[#39]
Quote HistoryQuoted: I think I've discovered why OP is a failure. Bet he buys lottery tickets too. The lotto is a tax on the poor. |
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Posted: 12/10/2022 9:36:38 PM EDT
[#40]
Quote HistoryQuoted: I used the 4% interest 401k loan to pay off a 17% interest loan. go on... |
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Posted: 12/10/2022 9:36:39 PM EDT
[#41]
You can get a 1.75 liter of not great, but not bad whiskey for 20 bucks. That's step 1.
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Posted: 12/10/2022 9:37:21 PM EDT
[#42]
That’s sucks man. At 70k a year!? You’re doing something wrong
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Posted: 12/10/2022 9:37:26 PM EDT
[#43]
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Posted: 12/10/2022 9:37:58 PM EDT
[#44]
Maybe dont drink away your last $140 in a night?
I spent less than that on a telehealth call and prescription for naltrexone. Coming up on 3 years sober. Why the hell you have such shit debt? |
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Posted: 12/10/2022 9:38:32 PM EDT
[#45]
Do you have a credit card to squeak by on until pay day?
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Posted: 12/10/2022 9:39:05 PM EDT
[#46]
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Posted: 12/10/2022 9:39:45 PM EDT
[#47]
Quote HistoryQuoted: How does a 401k loan work? You borrow your own money and pay yourself interest. |
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Posted: 12/10/2022 9:39:52 PM EDT
[#48]
I can't add a thing. Everything I would have told you has been said several times.
Hopefully you will learn from your mistakes sooner rather than later. |
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Posted: 12/10/2022 9:41:30 PM EDT
[#49]
Quote HistoryQuoted: Drive Uber after work and on weekends to tide you over? The dui from being drunk on the job is going to cost a lot more what he would make. |
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Posted: 12/10/2022 9:42:27 PM EDT
[#50]
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