Deer Dairy,

I felt kind of bad that I couldn't understand what the lady in India was saying, but she was trying to retain me for, I think, $10 per month. I doubt she could understand my Southern drawl, either.

I usually wait until they offer me $5 per month in about three weeks or so, because they want to charge me $16.99 per month plus tax for now on a month to month basis with that auto-pay, auto-renew crap they do. You HAVE to call to cancel, even though you can sign up over the internet. It's really annoying.

They are horrible to deal with, I just got a new truck and have until March for the free sub to end.
I have had 2 cars at once with them, the whole thing is a mess....I yelled speak clear English the last time.

I go through this every single year, on multiple cars. I'm down to one. XM is great, but they use shady business practice.

They’re a pita to deal with, but I’ll suffer through for it.

I think I paid like 67$ for 12 months last time.

My truck salesman told me to hold off until they give you in the $65/12 month range..GJM

Yah she was pressing me, but I just kept saying “no that it wasn’t worth it at this price” until she got to where I wanted lol.

that's why i just don't bother. i get the stuff in the mail all the time

but they fuked my mom. she like cancelled stuff and they still renewed and at an astronomical price

i think it even happened the next year too. it was something ridiculous and i remember her saying it was a pain in the azz

don't leak money.

i used to get it free now my area doesnt have it

i just miss Opie and Anthony.

i refuse to directly pay for radio or music. i use Spotify Free. i hate leaking money. i hate unnecessary recurrent monthly costs and minimize them whenever possible. that's money i could be investing instead of pissing away. i want value for the dollar. cut your expenses.

I am a die hard SiriusXM guy, But there business model is hideous, your best bet is to get a lifetime membership receiver off of eBay and then have it transferred. I have done this a few times, They rail you with a transfer fee (every time it has been $50 CDN) but they will transfer it to literally any vehicle / receiver.

arent you the 4 million retired dude

you are like a more extreme version of my mom, she has money but is a real tight wad. i am not exactly a big spender and like to save as well but when i see people that finally made it worrying over 20 bucks its lolsy, like if its something you would actually like you could afford it

You have a point, but 20 bucks here, 20 bucks there, 60 here, 100 there and so on... He's right about leaking money. We all do it, some to greater extents.

I use the same strategy, I try to keep my reoccuring bills low, like my phone is only 43 a month, because then i save automatically every month without doing anything. but if i had enough that i was retired i would be looking at it from a perpetual income / expense perspective and at that point if its something you would actually enjoy and fits within your expensese, which some small bill would, then enjoy life

You pretty much have to report your card lost every six months to prevent them from charging it again, anyway, after you have cancelled.

It adds up after a while. But either way, you're going to be dead one day in the near future. All that penny pinching for a future you may not even see. And if the liberals get their way all that money is either going to be taxed away or just straight up taken from you anyway.

I have SiriusXM in my daily car because for some reason it will never sync up Bluetooth to my phone. Don't know why I even keep it since I drive that car maybe once every couple of weeks now.

4.36. i didn't get rich by pissing money away. and it's not just about the money for me - it's the general principle. and i hate WASTE. i don't mind spending money - but i want VALUE for my dollar. i don't look at price alone - i look at VALUE.

Rich Dad, Poor Dad

1. The poor and the middle class work for money. The rich have money work for them.
2. Rich people acquire assets. The poor and the middle class acquire liabilities, but they think they are assets. An asset is something that puts money in your pocket, a liability is something that takes money out of your pocket. The rich buy assets and the poor only have expenses.
3. Poor people buy liabilities to look rich. Rich people buy assets to get richer.
4. The rich get richer because they continue to do things that make them richer. The poor get poorer because they continue to do things that make them poorer.
5. Rich people learn how to manage risk. Poor people are afraid of risk.
6. An intelligent person surrounds himself with people who are more intelligent than he is.
7. Wealth is accurately measured by a person’s ability to survive so many number of days forward without working. Or stated another way: If you stopped working today, how long could you survive? Wealth is determined by Net Worth, NOT by income. You can have a huge income, but still be poor.
8. You can never be too rich.
9. Rich people buy luxuries last, while the poor and middle class buy them first. Assets buy luxuries.
10. Once a dollar goes into your asset column, never let it out. It becomes your employee. The best thing about money is that it works 24 hours a day.
11. A house is not an asset - it is a liability. It produces no income, only expenses. (Mortgage, Interest, Taxes, Insurance, Maintenance, Utilities, Furnishings). Don’t be “House Rich and Cash Poor”.
12. Building wealth is like planting a tree. You water it for years and then its roots grow deep enough that it takes care of itself. Then it provides you a nice shade to rest under and it takes care of you.
13. A true luxury is a reward for investing in and developing a real asset. Buy yourself nice luxuries but make sure you have earned them and can pay for them first.
14. Rich people invent money.
15. Great opportunities are not seen with your eyes but with your mind.
16. Many people are one skill away from great wealth.
17. Rich people talk about money and learn from other rich people. The poor do not.
18. Don’t let life or people push you around. Don’t quit. Fight!
19. Don’t blindly follow the “conventional wisdom”. Have the courage to “go against the flow”.
20. It’s not what you make that counts, but what you save and invest.
21. Don’t listen to poor or frightened people.
22. Master a formula and learn a new one.
23. Rich people take advantage of economic downturns. Rich people take advantage of opportunities.
24. Rich people don’t make excuses for their financial success or failure.
25. Mind your own business. Think of your household as your own business. Profit vs. Loss and Assets vs. Liabilities. It’s “You, Inc.”.
26. Advice for those of you in debt: If you find that you have dug yourself into a hole, STOP DIGGING!
27. He who has the gold makes the rules. The rich make the rules.
28. Money comes and goes, but if you have the education about how money works, you gain power over it and can begin building wealth. The reason positive thinking alone does not work is because most people went to school but never learned how money works, so they spend their lives working for money instead of having money work for them.
29. Don’t turn yourself into a slave to money and liabilities. Choose power and freedom.
30. You always want to make sure you’ll be cash-flow positive in any prospective real estate investment. Your rents collected should always, at minimum, cover your mortgage and expenses even while you’re building equity.
31. Investments typically fall into two groups: they either eat you or they feed you. Whenever you consider an investment, ask yourself if it will eat you or feed you.

Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money--That the Poor and Middle Class Do Not! - Robert T. Kiyosaki, Sharon L. Lechter

---

The Millionaire Next Door

1. They live well below their means.
2. They allocate their time, energy, and money efficiently, in ways conducive to building wealth.
3. They believe that financial independence is much more important than displaying high social status.
4. They do not chase status symbols.
5. They minimize their realized (taxable) income and short-term capital gains and investment costs and they maximize their unrealized income and long-term capital gains. (They buy Tax-Free Money Market Funds, Tax-Free Bond Funds, Tax-Efficient, Low Cost, Diversified Stock Index Mutual Funds, and Retirement Accounts Directly from companies like Vanguard).
6. They systematically “pay themselves first”.
7. They chose the right occupation.
8. Their parents do/did not provide economic outpatient care.
9. Their adult children are economically self-sufficient.
10. They are proficient in targeting marketing opportunities.
11. They buy their cars and drive them for a long time. They believe that you AREN’T what you drive.
12. They never purchase a home that requires a mortgage that is more than twice their household’s total annual realized income.
13. They are their own favorite charity.
14. They pay cash and avoid debt.

The Millionaire Next Door: The Surprising Secrets of America’s Wealthy - Thomas J. Stanley, William D. Danko

Nice list, but most working class only have a few hundred or a few thousand to "work for them" and bring in 25 cents in interest. They have to leverage the banks money to buy assets like rental properties.

Same. Have never had XM or Sirius and I use free Pandora. A commercial here and there isn't gonna kill me.

Spending 5$/mo for something that is convenient and I enjoy seems like a small price to pay.

For me that 5$ produces quite a bit of utility (and for you it may not), but we aren’t talking about a large sum of money here.

exactly - to each his own. but you have to pick your shots. we all have our indulgences.