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hey Dad, i'm worried about working full time hours (piefed.blahaj.zone)
submitted 5 hours ago by to c/dadforaminute@lemmy.world
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in a few weeks i will be increasing my hours to full time. it was my choice because i wanted to work in a different area and there will be an additional benfit too. i am just worried that i wont be able to keep up with life.

i have been working part time for the past 3 years, and the past year ive been in the same area. however i have been getting so understimulated since there is no one else around and its been hard to stay motivated. i think it has been making me feel stressed? this new section i will be moving too will definitely have a lot more background stimulation and i am honestly excited about the change. its also brand new, just constructed, so that is also exciting.

i am nearly working full time hours anyway, so i know it realistically won't be that much of a difference. but i am scared that the hours will make me feel more mentally drained. ADD already makes life so difficult and tiring.

idk this makes me feel so silly 😭

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[–] 6 points 4 hours ago (2 children)

This is so true. Also, young cousin, a typical benefit that I know people miss when going full time. If your job offers a 401k with a company match, make sure you put in at least the minimum required to get the full company match, otherwise it’s just free money you’re missing out on. As you get to be older, you’ll appreciate younger you for doing that.

Some other advice regarding 401ks (this is just my two cents). Go for funds with low expense ratios. Typically these are index funds which are great since they are quite diverse (s&p 500 is always a good choice imo). A target retirement fund is also a good idea as they switch investments to less fluctuating investments the closer the target retirement year is.

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  • [–] 4 points 3 hours ago (1 child)

    This is fantastic advice! I missed out on 4 years on 401k company contributions because I was poor and would rather spend my money on cigarettes than my future, what a terrible mistake.

    You want to specifically look for low cost index funds, something that is total market (like the S&P500) is usually very stable with a low expense ratio. I used to go with VTSAX, switched over to FZROX. Your company will probably have different options, and never sign up for those automated services or advisors, they are just a black hole of fees.

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  • [–] 1 point 2 hours ago

    Seconding on always stick with index funds and check the fees.

    Also, diversify. If there’s a large cap, medium cap, and small cap index fund then put 1/3 into each. Bonus if there’s an “emerging markets” index fund.

    Point is, don’t put all of your funds into one basket (whatever it is) ESPECIALLY company stock.

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