What do you think is the proper way to use money on everyday life?

[dubshow]

Oh, and sweet tea is

damn yankees.

[dubshow]

"Winning = happiness". Someone happy on $40k a year living in a tiny house in the middle of nowhere doing whatever is winning just as much as someone killing themselves to make millions to live in a giant house and buy a bunch of shit.

I'd take the tiny house in the middle of nowhere anyday.

Sounds like heaven.

til you have to shit in a bucket.

[goIftdibrad]

I'd take the tiny house in the middle of nowhere anyday.

Sounds like heaven.

til you have to shit in a bucket.

my tiny house will have a regular ass toilet and a bidet like a civilized person

[dubshow]

til you have to shit in a bucket.

my tiny house will have a regular ass toilet and a bidet like a civilized person

IF THE CROWN GRANTS YOU A PERMIT.

You forget, there are still lots of local .gov that dont recognize a tiny house as a dwelling. You cant always get sewer. Pick your location wisely.

[goIftdibrad]

my tiny house will have a regular ass toilet and a bidet like a civilized person

IF THE CROWN GRANTS YOU A PERMIT.

You forget, there are still lots of local .gov that dont recognize a tiny house as a dwelling. You cant always get sewer. Pick your location wisely.

septic doe. also will illegally tie in zfg if it's a city like be where it's part of the water bill

[Apex]

Oh, and sweet tea is

damn yankees.

Sweet tea is delicious.

[max225]

Hey Y'all,

man. buying into the pay area, idk if I could say it's a good choice.

I'd say this...if you plan to stay at least 5 years, have the money and reasonable job security, do it using as little of your own money as possible, unless you can afford something in cash.

Buddy telling me same thing... this way you can “walk away” if shit hits the fan

[goIftdibrad]

man. buying into the pay area, idk if I could say it's a good choice.

I'd say this...if you plan to stay at least 5 years, have the money and reasonable job security, do it using as little of your own money as possible, unless you can afford something in cash.

Buddy telling me same thing... this way you can “walk away” if shit hits the fan

yea. if you can do 3% down and pmi is not obtouse then why risk your own money? I mean, you are a numbers guy so you will excel this to death I'm sure. but excel won't tell you how much personal risk you are willing to take. If I was in your shoes, I'd would put as little down as the bank would allow. If the home market continues to the moon you can always refinance with more of money you would have used to put on down payment while at the same time taking some credit on the ltv ratio improvement of a rising market

[max225]

Buddy telling me same thing... this way you can “walk away” if shit hits the fan

yea. if you can do 3% down and pmi is not obtouse then why risk your own money? I mean, you are a numbers guy so you will excel this to death I'm sure. but excel won't tell you how much personal risk you are willing to take. If I was in your shoes, I'd would put as little down as the bank would allow. If the home market continues to the moon you can always refinance with more of money you would have used to put on down payment while at the same time taking some credit on the ltv ratio improvement of a rising market

I think that would push the monthly to 5 figures and add quite a bit of expense. Otherwise obviously it would be the way to go, as it would limit my liability severely.

[goIftdibrad]

yea. if you can do 3% down and pmi is not obtouse then why risk your own money? I mean, you are a numbers guy so you will excel this to death I'm sure. but excel won't tell you how much personal risk you are willing to take. If I was in your shoes, I'd would put as little down as the bank would allow. If the home market continues to the moon you can always refinance with more of money you would have used to put on down payment while at the same time taking some credit on the ltv ratio improvement of a rising market

I think that would push the monthly to 5 figures and add quite a bit of expense. Otherwise obviously it would be the way to go, as it would limit my liability severely.

yikes! is that like alot more than rent? I know that is an important number for overall cost of living

[max225]

I think that would push the monthly to 5 figures and add quite a bit of expense. Otherwise obviously it would be the way to go, as it would limit my liability severely.

yikes! is that like alot more than rent? I know that is an important number for overall cost of living

About 40% more for a comparable place. Been trying to explore that route as well

[wap]

Oh, and sweet tea is

damn yankees.

How much tea do you normally add to your tall glass of sugar?

[wap]

damn yankees.

Sweet tea is delicious.

Man, I just don't like obnoxiously overly sweet drinks . I never drink pop unless as a mixer with booze, and only put 1 sugar in my covfefe. I much prefer water or minimally sweetened tea. I get that it's a big deal down south.

[goIftdibrad]

yikes! is that like alot more than rent? I know that is an important number for overall cost of living

About 40% more for a comparable place. Been trying to explore that route as well

wow. that's a hard sell when at the beginning of the home loan most of the money is going to interest payments.

[dubshow]

damn yankees.

How much tea do you normally add to your tall glass of sugar?

1 teaspoon of tea to 1 cup of sugar is about right.



but seriously. A hint of sugar is what I like but really strong tea. I made a pitcher just yesterday. 2 quarts of water with maybe 2 table spoons of sugar.

[max225]

About 40% more for a comparable place. Been trying to explore that route as well

wow. that's a hard sell when at the beginning of the home loan most of the money is going to interest payments.

Yep, and you add pmi etc and it’s like 90% of the monthly going to “fees”

[wap]

How much tea do you normally add to your tall glass of sugar?

1 teaspoon of tea to 1 cup of sugar is about right.



but seriously. A hint of sugar is what I like but really strong tea. I made a pitcher just yesterday. 2 quarts of water with maybe 2 table spoons of sugar.

1 tbsp/qt doesn't really sound like "sweet" tea, . Dat ratio seems pretty reasonable to me.

[Johnny_P]

We make. Er. $180 household? Combined? Or something? Live in a house that is not overly desirable to me but works for us. Despite no AC and one tiny bathroom. And I struggle with this all the time as well. Haven't bought a new mountain bike for 4 years because it's expensive. Can't bring myself to buy a car for $25k. My financial dude (who I think I need to fire) says I'm saving entirely too much money. He suggested I create a burn account and dump a set amount into it to literally just light on fire. Happy money of sorts.

I think the important thing is. You're only going to continue getting older. If you have the means to comfortably afford whatever the thing is that you want, just go get it. If that's a $1MM house in Nob Hill then whatever. To Detroit's point.... there's no point in putting up with the rat race if you're not going to reap the spoils of it.

If you're making an assload of money and like your job and want to continue that job, then I think it's safe to live up to the means that job will provide. I was living below my means because although making good money I hated my job. I'd gladly take a job that pays half to be happy in my work and then adjust my life accordingly around it.

[Apex]

Sweet tea is delicious.

Man, I just don't like obnoxiously overly sweet drinks . I never drink pop unless as a mixer with booze, and only put 1 sugar in my covfefe. I much prefer water or minimally sweetened tea. I get that it's a big deal down south.

I like to get some true sweet tea when I visit relatives down south.
One year, I drank about a half gallon on the drive home and gave myself the beetus.

[max225]

We make. Er. $180 household? Combined? Or something? Live in a house that is not overly desirable to me but works for us. Despite no AC and one tiny bathroom. And I struggle with this all the time as well. Haven't bought a new mountain bike for 4 years because it's expensive. Can't bring myself to buy a car for $25k. My financial dude (who I think I need to fire) says I'm saving entirely too much money. He suggested I create a burn account and dump a set amount into it to literally just light on fire. Happy money of sorts.

I think the important thing is. You're only going to continue getting older. If you have the means to comfortably afford whatever the thing is that you want, just go get it. If that's a $1MM house in Nob Hill then whatever. To Detroit's point.... there's no point in putting up with the rat race if you're not going to reap the spoils of it.

If you're making an assload of money and like your job and want to continue that job, then I think it's safe to live up to the means that job will provide. I was living below my means because although making good money I hated my job. I'd gladly take a job that pays half to be happy in my work and then adjust my life accordingly around it.

The current status quo is A-ok. Future uncertain as it is everywhere, the philosophical debate is what should one do?

In order not to fk with the future, which remains unpredictable AF.

[goIftdibrad]

We make. Er. $180 household? Combined? Or something? Live in a house that is not overly desirable to me but works for us. Despite no AC and one tiny bathroom. And I struggle with this all the time as well. Haven't bought a new mountain bike for 4 years because it's expensive. Can't bring myself to buy a car for $25k. My financial dude (who I think I need to fire) says I'm saving entirely too much money. He suggested I create a burn account and dump a set amount into it to literally just light on fire. Happy money of sorts.

I think the important thing is. You're only going to continue getting older. If you have the means to comfortably afford whatever the thing is that you want, just go get it. If that's a $1MM house in Nob Hill then whatever. To Detroit's point.... there's no point in putting up with the rat race if you're not going to reap the spoils of it.

If you're making an assload of money and like your job and want to continue that job, then I think it's safe to live up to the means that job will provide. I was living below my means because although making good money I hated my job. I'd gladly take a job that pays half to be happy in my work and then adjust my life accordingly around it.

The current status quo is A-ok. Future uncertain as it is everywhere, the philosophical debate is what should one do?

In order not to fk with the future, which remains unpredictable AF.

[Johnny_P]

We make. Er. $180 household? Combined? Or something? Live in a house that is not overly desirable to me but works for us. Despite no AC and one tiny bathroom. And I struggle with this all the time as well. Haven't bought a new mountain bike for 4 years because it's expensive. Can't bring myself to buy a car for $25k. My financial dude (who I think I need to fire) says I'm saving entirely too much money. He suggested I create a burn account and dump a set amount into it to literally just light on fire. Happy money of sorts.

I think the important thing is. You're only going to continue getting older. If you have the means to comfortably afford whatever the thing is that you want, just go get it. If that's a $1MM house in Nob Hill then whatever. To Detroit's point.... there's no point in putting up with the rat race if you're not going to reap the spoils of it.

If you're making an assload of money and like your job and want to continue that job, then I think it's safe to live up to the means that job will provide. I was living below my means because although making good money I hated my job. I'd gladly take a job that pays half to be happy in my work and then adjust my life accordingly around it.

The current status quo is A-ok. Future uncertain as it is everywhere, the philosophical debate is what should one do?

In order not to fk with the future, which remains unpredictable AF.

Look, Linda...

Go blow your money on the house, brah. You literally have earned it. You work long hours as does your fiancee, you've saved for it, you like your jobs and want to stay in them and will therefore continue to make bank, so live the life that it allows.

[Johnny_P]

https://www.youtube.com/watch?v=aFYsJYPye94

[max225]

https://www.youtube.com/watch?v=aFYsJYPye94

It's really weird to see someone tape their CF and throw it on Youtubes...

[wap]

Man, I just don't like obnoxiously overly sweet drinks . I never drink pop unless as a mixer with booze, and only put 1 sugar in my covfefe. I much prefer water or minimally sweetened tea. I get that it's a big deal down south.

I like to get some true sweet tea when I visit relatives down south.
One year, I drank about a half gallon on the drive home and gave myself the beetus.

I believe it!