36.

Younger than DaFace :-)

:-)
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You've got quite a few years on me. Your advice still rings absolutely true though. I'm an adult, and it's time to start acting like it.
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To follow up. I sat down and made a full budget out today. At the end of each month, I have around $500 that isn't accounted for anywhere. This is what was used as my "entertainment AKA gambling money before"

(This assumes I'm making minimum payments on each bill.)

I'm figuring I can leave out maybe $50 per paycheck for a total of $100 a month to spend on eating out, a new video game, etc etc. (My new entertainment budget)

The other $400 can be used to tackle debt. Throwing an extra $400 at bills every month should really make a big impact.
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I'm up to date on all my bills. Everything is current. I'm trying to stay optimistic. I know I'm in a mess, but I can fix this.
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Get all your bad habits in check before you commit to anything. Go a couple months minimum on being fully disciplined.
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Tackle your smaller debts first. Lowest to highest when you start putting in extra to pay off.
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Roll the dice on some [insert hot take fomo stock].

For real though, while the bulk of the info you've received thus far is sound in the short term, people here are gambling, so you should take the sound advice you've received and abort this thread, imo.
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Well shit. I thought you were my age. Thanks for making me feel old. Ass.. :-)

Take that $400 for a couple months and sock away a little in a savings account. Cash always spends and I'm a pretty big proponent of keeping some In case shit money around.
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Schwab is apparently lowering their trading fees for U.S. and Canadian stocks to zero. Bold move.

https://www.cnn.com/2019/10/01/inves...ons/index.html
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:-):-):-):-):-)

What is the real motive here?
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I'd assume they're betting that they'll make more money on people switching to them and using their other services than they do on commissions.
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Yeah. I'm guessing The E-Trade folks will stay with E-Trade and whatever else is out there, and they'll try to steal some mutual fund business with this move.
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People have been predicting for a few years that we'll see Brokers pay us to make trades. DaFace is right. I'm sure they hope you'll turn on margin, trade some options, banking, credit cards, financial planning. Even if you never touch any other service though they sell your order flow for profit, loan your shares out short, most traders keep cash in their account which they profit off of. It's probably a loss leader going to 0 but it likely makes sense to get people into the ecosystem.

I thought they'd drop to 2.95 or something first. JP Morgan came out with a 2.95 service last year. Vanguard made 99% of ETF's free trading last year.
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EYE QUEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
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