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Hey all, I have a car loan at 4.88% (~$25K) and student loans ranging from 3.76-4.66% (~$25K total).

I have about $7K saved above my 3 month emergency fund (it’s just me and my girlfriend so I am comfortable with that). Does it make more sense to put the $7K in the market or to pay off the principle on my car loan?

I’m 23 with $100K gross income. Already maxing my Roth and contributing enough to employer 401k to get the company match (I contribute 8% and they match 7% dollar for dollar).

Appreciate the advice!


Payoff the debt using either the avalanche method or the snowball method whichever appeals to you. If the market outperforms your debt percentage you are getting the benefit of that through your Roth so good for you. Think of it as a diversification strategy where you are investing some money in the market via Roth and some money in guaranteed interest.

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Original Poster2 points · 2 months ago

Good point! I like the idea of thinking about it as a diversification strategy. Great advice.


I began my training with good intentions but due to life happening my training plan was interrupted multiple times. Marathon is this weekend and I’m debating only running the half. I’ve run one half in the past and I know I could do it again right now. My longest run was 16.5 miles and I just don’t know if I could handle the full. Thoughts?

UPDATE: Went ahead and dropped to the half. Got a PR with a time of 1:55:13! Thanks for all the advice everyone.


Just looking for some reviews of running watches out there so I can make an informed decision!


I’ve got a 235 for sale. Just picked up a 935.

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Original Poster3 points · 7 months ago

PM me!


Anyone have any advice for motivation and making the most of early morning runs? I️ am trying to start running (marathon training) before work and I’m finding it difficult to wake up and feel energized.


This is what has worked for me the last 2 years:

Lay out clothes night before.

Pick a podcast night before. Something you’re looking forward to.

Go to bed at a reasonable time.

Put alarm across room.

Set alarm to have about 25-30 minutes to get dressed, drink glass of water, bathroom etc.

I set my alarm for 5am and am out the door by 5:25. Lately I have been settling for 4:45 for 15 min of snoozetime.

It also helps to have a goal - training for a race or a weekly distance goal.

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Original Poster1 point · 8 months ago

Any particular podcast recommendations? I️ already listen while I️ run, but always looking for suggestions.


Looking to do some troop upgrades and need a bunch of regular elixir.


I think the best farming method for elixir and gold th9 is drop trophies to around 1600 and Barch dead bases.

I run 110 barbs and 110 archers. I use no spells unless I'm trying to squeak out a star and it might be a heal or two. Cost for barbs and archers is around 50k elixir. And you pull in 250k plus easily.

It's a no plan attack. I drop a line on barbs on one side with a line of archers behind. Do this for all 4 sides. Then use remaining troops and heros to clean up/get a star.

Hope this helps.

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Original Poster1 point · 1 year ago

Thanks for the advice. Is it easy to find dead bases down there? How long does it typically take to search for one?


Looking for a competitive clan that also has fun. My TH 9 is getting close to max defenses and troops are getting there. AQ lvl 12 and BK lvl 11. Message me your clan details!

Player Tag: #RULPYQ0U


Chief, you may want to add your player tag (found in your in-game profile) so that potential clans can check out your defenses and troop upgrades.

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Original Poster2 points · 1 year ago


I am a college student, and after coming home for Christmas this year I stepped on the scale. I saw I had gained 20 lbs in a semester, and knew it was time for a change. I was already slightly overweight at 200 lbs, but when I saw that I was 220 lbs I knew I was letting myself go. My family health history is not the best; most notably I am at risk for diabetes. I had heard great things about the Paleo diet, so I committed to doing that and going to the gym every day. I began this on January 1, 2017 and have not stopped since.

I began my workouts by running 1 mile before doing weight training. I do back/biceps, chest/triceps, legs/shoulders, and repeat. I incorporate abs every other day as well. The first month I was down 15 lbs, and I have lost about 10 lbs per month since. My pre-workout run has increased from 1 mile to 3 miles, and I am planning on running a 10k this summer. The Paleo diet has become less of a diet to me and more of a lifestyle. I no longer really crave junk food, but I do enjoy some cheat meals every now and then... because I deserve it! My overall health has increased. I have more energy, have stopped snoring (my girlfriend is thankful), and feel I have an increased focus throughout the day.

I just want everyone to know that no matter what your starting point, you will see results. If you commit yourself, you will see results. Once you do, it is a positive reenforcement loop that becomes addicting. I have had family and random friends tell me I look great. I now crave going to the gym to better myself and reach my personal fitness goals. The first month is the hardest, but then it becomes your lifestyle. Stop making excuses, stop saying next week, and start today. Your children will thank you when you're there at their wedding, there to play with their grandkids, and there to see them succeed at whatever they do. The only person that can make this change is you, so go do it! PM me is you need any advice. This sub has been a great source of motivation for me and I would love to pass it on to others.

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