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hey Dad, i'm worried about working full time hours (piefed.blahaj.zone)
submitted 4 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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[–] 3 points 1 hour 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 36 minutes 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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