so i have not been able to figure out whether I should:
- pay down my student loans which are locked in at 2.625% for the life of the loan;
- keep my money in my ING savings account which is at 4.5%;
- put more money into my 401(k); or
- splurge on fixing up my apartment -- meaning getting a Toto toilet and the chairs I've been lusting after.
Does anyone who is more financially savvy than me have any helpful advice?
5 comments:
I like the chairs, but can't see spending $5,000 on something you literally sh*t on.
I'm always distrustful of the student loan consolidation offers, and it is nice watching money accrue in a savings account or (sometimes) in a 401(K). Those would be the wisest of the options. But if you tried hard, you could probably justify fixing up your apartment as some sort of "investment".
dude! a toto toilet? that would make your apartment the pimpin'-est in all the city. but the downside is that all your friends will want to come over for a test shit. who needs that!
oh, back to the original question... the most financially savvy thing to do is to splurge. the other 3 options all involve accumulating more money. only the 4th option involves spending money. and why earn money if you dont spend it. that's what it's there for!
I blame KenTak3 for pushing me to get the Toto toilet. I doubt that I would actually get that particular model. This is the one that I would probably get:
http://www.totousa.com/productpage.asp?PID=125
with the washlet...
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