I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?_老虎社区_美港股上老虎

I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?

Dow Jones2021-04-10

MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?

By Quentin Fottrell, MarketWatch

'I believe I can buy the car and strap down, and save more aggressively to replenish the funds'

Dear Quentin,

I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament.

The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal.

However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features.

I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year.

In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely.

I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere.

As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal.

I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me?

Pressured by the Parents

You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com

Dear Pressured,

What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end.

Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3.

I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that.

The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early?

Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns.

By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties.

-Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com

RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ

$(END)$ Dow Jones Newswires

April 10, 2021 08:26 ET (12:26 GMT)

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

radikai2222
·2021-04-11
Buy a house. Get a roof first
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1
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Eastlife
·2021-04-11
Accumulate Tesla shares
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1
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Estada
·2021-04-11
Good advice but difficult to follow for some. As life is short, sometimes we need to do what we want as well if not we may regret it on deathbed although a lot said that on deathbed we only regret the times we have not apent with our loved ones which is even more impt. So do both if you can.
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1
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SNOOKER76
·2021-04-11
[微笑]
回复
1
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KinKat
·2021-04-11
Neither. Continue to stay with your parents (till they kick u out) to save on housing, borrow their car whenever u need (convince them to buy a Tesla instead). With the money saved, invest more
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2
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TSYY
·2021-04-11
Buy tesla share
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1
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NiuBili
·2021-04-11
Save for ur house
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1
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Annalz
·2021-04-11
Buy a bitcoin
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1
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Evanchills
·2021-04-10
Ok
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1
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With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. 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Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. 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I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. 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Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":342932760,"gmtCreate":1618148077650,"gmtModify":1631892339247,"author":{"id":"3554730726791403","authorId":"3554730726791403","name":"radikai2222","avatar":"https://static.tigerbbs.com/1f131ac1ecd6313a0e963f5cafa7e5f5","vip":1,"crmLevel":5,"crmLevelSwitch":0,"idStr":"3554730726791403","authorIdStr":"3554730726791403"},"htmlText":"Buy a house. Get a roof first&nbsp;","listText":"Buy a house. Get a roof first&nbsp;","text":"Buy a house. 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I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nI'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nDow Jones \n2021-04-10 20:26\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2126032699","content_text":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":342024286,"gmtCreate":1618134226645,"gmtModify":1634294745436,"author":{"id":"3561279502084024","authorId":"3561279502084024","name":"Eastlife","avatar":"https://static.tigerbbs.com/c361a3598efe69505852815cec34abfb","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3561279502084024","authorIdStr":"3561279502084024"},"htmlText":"Accumulate Tesla shares","listText":"Accumulate Tesla shares","text":"Accumulate Tesla shares","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/342024286","repostId":2126032699,"repostType":2,"repost":{"id":"2126032699","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1618057560,"share":"https://www.laohu8.com/m/news/2126032699?lang=&edition=full","pubTime":"2021-04-10 20:26","market":"us","language":"en","title":"I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?","url":"https://stock-news.laohu8.com/highlight/detail?id=2126032699","media":"Dow Jones","summary":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or b","content":"<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nI'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nDow Jones \n2021-04-10 20:26\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2126032699","content_text":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":346710334,"gmtCreate":1618111539028,"gmtModify":1634294852382,"author":{"id":"3569638094156050","authorId":"3569638094156050","name":"Estada","avatar":"https://static.tigerbbs.com/035b646e17ea259fd1e75b59654ef1ff","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3569638094156050","authorIdStr":"3569638094156050"},"htmlText":"Good advice but difficult to follow for some. As life is short, sometimes we need&nbsp; &nbsp; to do what we want as well if not we may regret it on deathbed although a lot said that on deathbed we only regret the&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; times&nbsp; we have not apent with our loved ones which is even more impt. So do both if you can.&nbsp;","listText":"Good advice but difficult to follow for some. As life is short, sometimes we need&nbsp; &nbsp; to do what we want as well if not we may regret it on deathbed although a lot said that on deathbed we only regret the&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; times&nbsp; we have not apent with our loved ones which is even more impt. So do both if you can.&nbsp;","text":"Good advice but difficult to follow for some. As life is short, sometimes we need to do what we want as well if not we may regret it on deathbed although a lot said that on deathbed we only regret the times we have not apent with our loved ones which is even more impt. So do both if you can.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/346710334","repostId":2126032699,"repostType":2,"repost":{"id":"2126032699","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1618057560,"share":"https://www.laohu8.com/m/news/2126032699?lang=&edition=full","pubTime":"2021-04-10 20:26","market":"us","language":"en","title":"I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?","url":"https://stock-news.laohu8.com/highlight/detail?id=2126032699","media":"Dow Jones","summary":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or b","content":"<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nI'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nDow Jones \n2021-04-10 20:26\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2126032699","content_text":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":346435366,"gmtCreate":1618100971655,"gmtModify":1634294935183,"author":{"id":"3557114206468917","authorId":"3557114206468917","name":"SNOOKER76","avatar":"https://static.tigerbbs.com/44b1c02b5f7547ab7171d5320f9989e8","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3557114206468917","authorIdStr":"3557114206468917"},"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/346435366","repostId":2126032699,"repostType":2,"repost":{"id":"2126032699","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1618057560,"share":"https://www.laohu8.com/m/news/2126032699?lang=&edition=full","pubTime":"2021-04-10 20:26","market":"us","language":"en","title":"I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?","url":"https://stock-news.laohu8.com/highlight/detail?id=2126032699","media":"Dow Jones","summary":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or b","content":"<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. 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Should I save for a house or buy a Tesla Model 3?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nDow Jones \n2021-04-10 20:26\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2126032699","content_text":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":346497766,"gmtCreate":1618099887955,"gmtModify":1618107699431,"author":{"id":"3577917165320806","authorId":"3577917165320806","name":"KinKat","avatar":"https://static.tigerbbs.com/05a5d7e664c9e14d1097e19f1846ce94","vip":1,"crmLevel":4,"crmLevelSwitch":0,"idStr":"3577917165320806","authorIdStr":"3577917165320806"},"htmlText":"Neither. Continue to stay with your parents (till they kick u out)&nbsp;to save on housing, borrow their car whenever u need (convince them to buy a Tesla instead). With the money saved, invest more","listText":"Neither. Continue to stay with your parents (till they kick u out)&nbsp;to save on housing, borrow their car whenever u need (convince them to buy a Tesla instead). With the money saved, invest more","text":"Neither. Continue to stay with your parents (till they kick u out) to save on housing, borrow their car whenever u need (convince them to buy a Tesla instead). With the money saved, invest more","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/346497766","repostId":2126032699,"repostType":2,"repost":{"id":"2126032699","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1618057560,"share":"https://www.laohu8.com/m/news/2126032699?lang=&edition=full","pubTime":"2021-04-10 20:26","market":"us","language":"en","title":"I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?","url":"https://stock-news.laohu8.com/highlight/detail?id=2126032699","media":"Dow Jones","summary":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or b","content":"<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nI'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nDow Jones \n2021-04-10 20:26\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2126032699","content_text":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":346574476,"gmtCreate":1618097076195,"gmtModify":1634294958070,"author":{"id":"3575718969425602","authorId":"3575718969425602","name":"TSYY","avatar":"https://static.tigerbbs.com/7373c6b708e220eaee9bd8fb53b90ba7","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3575718969425602","authorIdStr":"3575718969425602"},"htmlText":"Buy tesla share&nbsp;","listText":"Buy tesla share&nbsp;","text":"Buy tesla share","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/346574476","repostId":2126032699,"repostType":2,"repost":{"id":"2126032699","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1618057560,"share":"https://www.laohu8.com/m/news/2126032699?lang=&edition=full","pubTime":"2021-04-10 20:26","market":"us","language":"en","title":"I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?","url":"https://stock-news.laohu8.com/highlight/detail?id=2126032699","media":"Dow Jones","summary":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or b","content":"<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nI'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nDow Jones \n2021-04-10 20:26\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2126032699","content_text":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":346524100,"gmtCreate":1618081027100,"gmtModify":1634294981376,"author":{"id":"3561252728435238","authorId":"3561252728435238","name":"NiuBili","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":4,"crmLevelSwitch":0,"idStr":"3561252728435238","authorIdStr":"3561252728435238"},"htmlText":"Save for ur house","listText":"Save for ur house","text":"Save for ur house","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/346524100","repostId":2126032699,"repostType":2,"repost":{"id":"2126032699","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1618057560,"share":"https://www.laohu8.com/m/news/2126032699?lang=&edition=full","pubTime":"2021-04-10 20:26","market":"us","language":"en","title":"I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?","url":"https://stock-news.laohu8.com/highlight/detail?id=2126032699","media":"Dow Jones","summary":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or b","content":"<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nI'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nDow Jones \n2021-04-10 20:26\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2126032699","content_text":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":346587112,"gmtCreate":1618070609536,"gmtModify":1634294996773,"author":{"id":"3577089953267281","authorId":"3577089953267281","name":"Annalz","avatar":"https://static.tigerbbs.com/ffd285ab6189bb61da4b48c3e149eedc","vip":1,"crmLevel":5,"crmLevelSwitch":0,"idStr":"3577089953267281","authorIdStr":"3577089953267281"},"htmlText":"Buy a bitcoin","listText":"Buy a bitcoin","text":"Buy a bitcoin","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/346587112","repostId":2126032699,"repostType":2,"repost":{"id":"2126032699","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1618057560,"share":"https://www.laohu8.com/m/news/2126032699?lang=&edition=full","pubTime":"2021-04-10 20:26","market":"us","language":"en","title":"I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?","url":"https://stock-news.laohu8.com/highlight/detail?id=2126032699","media":"Dow Jones","summary":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or b","content":"<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nI'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nDow Jones \n2021-04-10 20:26\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2126032699","content_text":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":346270895,"gmtCreate":1618057814817,"gmtModify":1634295037265,"author":{"id":"3577782004325702","authorId":"3577782004325702","name":"Evanchills","avatar":"https://static.tigerbbs.com/fda6badb7336a9249a031585d040ffde","vip":1,"crmLevel":3,"crmLevelSwitch":0,"idStr":"3577782004325702","authorIdStr":"3577782004325702"},"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/346270895","repostId":2126032699,"repostType":2,"repost":{"id":"2126032699","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1618057560,"share":"https://www.laohu8.com/m/news/2126032699?lang=&edition=full","pubTime":"2021-04-10 20:26","market":"us","language":"en","title":"I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?","url":"https://stock-news.laohu8.com/highlight/detail?id=2126032699","media":"Dow Jones","summary":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or b","content":"<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nI'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\nDow Jones \n2021-04-10 20:26\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body>\n\nMW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla <a href=\"https://laohu8.com/S/TSLA\">$(TSLA)$</a> Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private <a href=\"https://laohu8.com/S/FB\">Facebook</a> group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones &amp; Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n<pre>\n \n</pre>\n\n <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n\n</body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2126032699","content_text":"MW UPDATE: I'm 28, have no debt, a 401(k), Roth IRA and $45K in cash. Should I save for a house or buy a Tesla Model 3?\n\n\n By Quentin Fottrell, MarketWatch \n\n\n 'I believe I can buy the car and strap down, and save more aggressively to replenish the funds' \n\n\n Dear Quentin, \n\n\n I've been flip-flopping back and forth between buying a new car or putting a down payment on my first home. With my parents being very money-minded and keeping a careful eye on my finances (still), I'm caught in a predicament. \n\n\n The original plan was to save up 20% to 30% for a down payment on a condo in the suburbs of Los Angeles and buy into the market within the two years or so, and right now I'm about 40% towards that goal. \n\n\n However, with the Green Act possibly on the horizon again, the Model 3 has been a temptation, especially with all the extra bonus incentives my state offers, with a net final price of around $27,000. I'm not desperately in need of a new car, but this seems like a great way to save some money on a vehicle with smart features. \n\n\n I am 28 years old with zero debt as of January 2021. Retirement wise, I am well on my way to maxing out 401(k) contributions this year, and I have already maxed out my Roth IRA contributions, and if everything stays the same, I'll have about $60,000 in retirement by the end of the year. \n\n\n In terms of liquid assets and investments, I'm sitting on about $45,000 as of right now. I currently save and/or invest 50% to 60% of my take-home pay, since I moved back home with my parents after being laid off last year, and started a new job remotely. \n\n\n I don't know if I should (a) purchase the car straight up and empty out my savings as I will probably have the time to save up the money again before a potential housing crash, (b) not purchase the car and keep saving for the down payment, (c) do both or (d) invest the money elsewhere. \n\n\n As financial conservatives, my parents are strongly against me buying the car because it's a depreciating asset, and they believe entering the market should be my priority, so they think that I should have the down payment waiting, to jump into the market whenever I see a good deal. \n\n\n I believe I can buy the car and strap down, and save more aggressively to replenish the funds. Any advice for me? \n\n\n Pressured by the Parents \n\n\n You can email The Moneyist with any financial and ethical questions related to coronavirus at qfottrell@marketwatch.com \n\n\n Dear Pressured, \n\n\n What the hell! Give into your impulse, splash out on the Tesla $(TSLA)$ Model 3. You will be empowered by the knowledge that you are using your spending power to get America back on its feet, while making a cool statement that you have finally arrived. Fully embrace the American dream of being smack-bang-wallop in the middle of the eco-warrior, Tesla-driving, tech-savvy zeitgeist. All any of us have is today, after all and global warming is coming for us all in the end. \n\n\n Cruise the neighborhoods where you would like to buy a home in your 30s, 40s or 50s (it will all depend on how the property market fares between now and then). Take a good look at those homes, assuming they are not obscured by manicured hedges, and enjoy the view. Drive back to your parents' house, honk the horn so they can marvel at Elon Musk's bold vision for themselves, and then and only then ask them nicely if they would make space in their driveway for your Model 3. \n\n\n I am kidding, of course. You have done everything right so far. Buy the house first and the $27,000 electric car later. You already have a destination in mind. Don't allow an automobile, regardless of how cool you think it would be to drive, to deter you from that destination. Listen to your parents. They have seen more than you have. They are trying to set you on the road to financial freedom. And as nice as they are to drive and to be seen driving, you don't need a Tesla to achieve that. \n\n\n The Moneyist:'Warren Buffett and Harry Potter couldn't get those two retired early': Our spendthrift neighbors said our adviser was 'lousy.' So how come WE retired early? \n\n\n Hello there, MarketWatchers. Check out the Moneyist private Facebook group where we look for answers to life's thorniest money issues. Readers write in to me with all sorts of dilemmas. Post your questions, tell me what you want to know more about, or weigh in on the latest Moneyist columns. \n\n\n By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties. \n\n\n -Quentin Fottrell; 415-439-6400; AskNewswires@dowjones.com \n\n\n RELATED: \n\n\n RELATED: My wife and I have 3 kids. I also have 3 kids from a previous marriage. How should we split our house among these 6 children?Õ \n\n\n RELATED: \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n April 10, 2021 08:26 ET (12:26 GMT)\n\n\n Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"}],"hasMoreComments":true,"newsSizeData":{"likeSize":18,"commentSize":9,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false}}