u/DifferentPie326

Hi all,

I’ve recently just put away 20k on a savings account with ASB. Very new to this stuff so not sure where to start, hence why I’m even thinking if it makes sense for me to put away this much money as an EF?

I have a 70/30 split between kernels Global fund and unhedged s&p500 which I put $2500 in every month, then I keep around $2800 cash (just because idk really).

I’m fairly frugal and if I lose my job (just an example of an emergency) can probably move back with parents to minimise costs further.

Not sure I have the best plan here so would appreciate some guidance.

Hi all,

I am 24M NW3. Been on Finasteride 1.25mg a day for the past 8 months and have seen growth on my temples and some at the crown. My donor area’s all healthy and have booked an HT with Dr. Patty.

Just have a question — minoxidil is a fairly expensive maintenance medication and so my plan is to just do one good HT and maintain that “forever” with finasteride. Is this okay or do I really have to do minoxidil?