u/Accipitrim

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So context: I had a foster kitten who I was planning on adopting once she was of weight to be spayed. The whole litter was a bit malnourished, so even though they were 7 weeks old, they were the size of 6 week old kittens. From what I know, the kitten has to be at least around 880 grams to be neutered/spayed.

The kitten that I was planning on adopting was showing symptoms of URI likely from feline herpes and wasn’t gaining enough weight. She was around 680g last time I weighed her even though her brothers gained a lot of weight under my care and were around 760 g. But two days ago, I had to return them so that they could be transferred to a larger local rescue. I contacted the new rescue about my plans to adopt and they let me know that the vet tech took a look at my kitten and that she is getting meds for her URI. She looked pretty unwell in the picture, which broke my heart.

Then today, the rescue just reached out to me saying that my kitten is actually ready to be spayed and that I could come pick her up tomorrow for adoption. I mean, I told them that I would come pick her up ASAP, but it seems awfully suspicious to me that she was able to gain 200 g in 2.5 days, especially when she is sick. They initially said that they expected the kittens to be in foster care for 2-3 weeks. Does this seem normal? I’m wondering if they accidentally got her mixed up with her sibling who looks just like her or if they are rushing to get her adopted out since she’s sick.

First picture is before she got sick and the second picture is what the rescue sent to me yesterday.

u/Accipitrim — 8 days ago

She’s 6 weeks old and I unfortunately didn’t have the chance to see the mom. She was marked as DSH in the rescue portal, but her hair seems kinda long to me. I know it’s pretty hard to tell when they are this young—just wondering what everyone else thinks!

u/Accipitrim — 15 days ago

Hello folks,

I've been working for a little less than 2 years now after graduating college in 2024. I plan on attending a formal postbacc program next year and hopefully get into a med school through linkage. I'm also hoping to leave my current job around end of Nov and start working as an EMT before the postbacc to get my clinical hours since I have 0 right now. I probably won't be able to save any money during this time since I live in a VHOL area.

I'm trying to see how to budget? or allocate? my savings to make the most out of them before and during med school.

I currently have:

401k- 35k

Roth IRA- 12k

HSA- 9k

Brokerage- 16k

HYSA- 11k

Checking- 5k

Total- 88k

By the end of this year (Nov), I am projected to have at least:

401k- 50k

Roth IRA- 12k

HSA- 11k

Brokerage- 16k

HYSA- 41k

Checking- 5k

Total- 135k

Above numbers are on the conservative side, so I'll probably have a bit more. Thankfully, my parents have offered to cover most of my living expenses during school (caveat is that I have to live w/ my mom during that time), but I will have to take out loans for all tuition since my parents aren't that well off. I'm planning on paying the 40-50k tuition for the postbacc out of pocket, which is why I'm putting all the money into HYSA instead of brokerage. FYI I am aware DIY postbacc is much cheaper, I just prefer the structure and accelerated pace of a full time formal postbacc.

While my original plan was to continue maxing out my 401k, and then roll it over to Roth IRA a bit by bit every year to maximize the low tax bracket while I'm in school, this means that the money is still untouchable for at least 5 years after it rolls over.

I'm starting to have some doubts since I really don't have much in liquid cash after I pay the postbacc tuition, and would like to have some extra cash for emergencies- especially for my pets in case of a medical emergency since my parents might not be willing to cover those fees (I have two snakes and one cat).

I know my Roth IRA contributions and brokerage can be cashed out, but I'm not sure what the market conditions would look like couple years from now when I need the money. Would it be reasonable to cut back my contributions to my 401k and HSA by a bit starting now to build more liquid asset? Or it that a stupid idea and should I keep everything as is and just take out some extra loan to cover my pets' expenses?

I would truly appreciate any advice since I'm pretty bad at financial planning. Thank you!

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u/Accipitrim — 17 days ago