I’m in my 40s and I fret over every small cost like nutella
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Date: July 31st, 2024 10:44 PM Author: abnormal talented french chef
I’ll buy store brand cheerios instead of the big yellow box which I can get at a competitive price at Costco’s but it’s still more than store brand cheerios.
Today I picked a fight with my garbage service company because they wanted to charge me retroactively to the first of the year and I said no. May have to send a demand letter or sue them to get my trash picked up again. Who knows how this will turn out (note, I’ve been around London when the garbage workers go on strike and it is absolutely disgusting), mounds of trash several feet high, rats, etc.). It’s just gross.
There’s nothing really worth buying but I still obsess about investments. I haven’t hit my targets for 529 plan saving this year for example, and I have to start saving for property tax again soon, and I think I have the car insurance renewal in December as well.
(http://www.autoadmit.com/thread.php?thread_id=5567951&forum_id=2#47915945) |
Date: July 31st, 2024 10:47 PM Author: abnormal talented french chef
Also, I think my house, which I bought about 14 months ago at market is now about 10-15% less in nominal terms, more like 15-20% less with inflation. It’s kind of demoralizing. We really should have rented for a year or two instead of trying to buy right away. Houses are fucking awful.
I hope that maybe my situation is just real stable and I can eventually sell my house for at or above what I paid for it. Still losing lots of money though.
(http://www.autoadmit.com/thread.php?thread_id=5567951&forum_id=2#47915954)
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Date: July 31st, 2024 10:57 PM Author: mischievous slate hunting ground
Disco, if you just put $100k into TT's recommendation of $SOXL in 2022 you'd now have at least $500k extra
Fortune favors the bold
Stop investing in index funds and bonds
(http://www.autoadmit.com/thread.php?thread_id=5567951&forum_id=2#47915993) |
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Date: July 31st, 2024 11:28 PM Author: mischievous slate hunting ground
Don't agree with "rebalancing"--it's fake and gay and LTCG at top rate is only 20% friend. Leaning toward selling if it gets into 60's
Past that, there's dividends, plenty of which are from top tier. You really expect P&G's ever going to go out of business? XOM? Visa? CVS? MDLZ? BA? BMY? MO? Come on. I'm not saying you should invest in Alibaba friend!
And you can get those same benefits with more exotic ETFs than simple vanguard funds which EAT away at you with useless fees.
It's a LAZY man's game, not smart
(http://www.autoadmit.com/thread.php?thread_id=5567951&forum_id=2#47916061) |
Date: August 1st, 2024 8:52 AM Author: Razzle mahogany crackhouse toilet seat
Buying name brand pre-packaged groceries is a huge scam. I buy generic/store brand everything.
You are a wealthy man, Disco. You can afford to shower your family with the "real deal" cheerios or land-o'-lakes dairy products. But just because you have the ability to set money on fire doesn't mean you should.
(http://www.autoadmit.com/thread.php?thread_id=5567951&forum_id=2#47916661) |
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Date: August 1st, 2024 9:13 AM Author: abnormal talented french chef
I agree. I do get the Jif peanut butter at Costco's because it is priced pretty competitively for my kids. Yes it has fillers, but it is smooth and nice and a noticably better experience than store bought. But that's that.
I just spent $4,000.
I sent $2,400 to my youngest 3 children's 529 plans (oldest one's plan has hit his target for the year already, younger three are lagging).
I sent $500 to buy VTI.
I placed another $500 into my money market account for taxes/insurance/HOA at the end of the year
And I sent a prepayment of $600 to my mortgagor to apply to my account (mortgage interest rate is 6.49%, so this is a pretty good risk free return with absolutely no tax drag for me).
(http://www.autoadmit.com/thread.php?thread_id=5567951&forum_id=2#47916705) |
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Date: August 1st, 2024 9:22 AM Author: abnormal talented french chef
Not only that, friend, but when we moved last summer, it was the absolute top of the market. So we paid market for the house we bought, but the market sucks right now, so the house is probably worth 85%-90% of what we paid for it, so most of our actual equity has been wiped out. I don't have to pay PMI or anything like that, but it's not a fun position to sit in.
In terms of mortgage interest, went from paying a very comfortable $4,700 per annum in mortgage interest and taking the standard deduction, to an unbearable $27,000 per annum in mortgage interest, itemizing, and constantly fretting. Also, we've been bombarded with assessment increases on the property, insurance is through the roof, price of electricity is up like 35% (and that's mostly what we use), HOA fees higher, city services lower, etc.
It's kind of been a disaster from an increased costs perspective, but it's a better qol in the sense that we aren't driving all over the place anymore and the neighborhood/house are a little better and kids are going to schools more conveniently. Wife seems happier.
It is what it is.
(http://www.autoadmit.com/thread.php?thread_id=5567951&forum_id=2#47916729) |
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