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Fuk misc, I could pay off my mortgage in 4 years
05-30-2023, 06:57 PM
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#91
- SteadySmokin
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your women makes the same as you?
JUST LOL!
JUST LOL!
05-30-2023, 07:05 PM
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#92
- ricflaironpcp
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You chose the wrong Manning to name your kid after. Archie is the best one.
05-30-2023, 07:19 PM
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#93
You have a 2.5% interest fixed rate mortgage with tax deductible interest while inflation is roaring at god knows what rate and you’re trying to pay it off earlier than the schedule?
Lower middle class people never ever learn. It’s wild.
Lower middle class people never ever learn. It’s wild.
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05-30-2023, 07:25 PM
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#94
- Jacobcapra
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Originally Posted By SteadySmokin⏩
I guess you just ignored the like $35K take home in bonuses I get.your women makes the same as you?
JUST LOL!
JUST LOL!
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05-30-2023, 07:31 PM
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#95
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Originally Posted By Jacobcapra⏩
yeah cuz thats always realible right?I guess you just ignored the like $35K take home in bonuses I get.
your girl will leave you quick for the next man who makes 20-30k/yrly more. watch out you might just be a stepping stone. shes seems like a successful women.
05-30-2023, 07:45 PM
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#96
- Plateauplower
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Originally Posted By OliverHeldens⏩
This, don’t pay Mtg early at 2.5% with inflation you are not making money on that debt, but you are on the better end of the deal than the mortgager. Save cash as fast as you can for the lake house and buy the dip in values that is seeming more likely. I bought a lake house last year with cash. It needed a few things and is more of a cottage than a house, but it was the best decision ever. Hour away, go there every weekend with wife kids and dogs. Great times, my kids are 10 & 12 so it’s a little easier to enjoy than with toddlers but they will get there quick. I pulled some principle funds out of my Roth, but I’ve been putting away about 30% gross income for the last 20 years in various retirement vehicles. The roths are basically my larger liquid savings accounts and took profits at the top.If you have a 2.5% interest rate, that's the cheapest debt you'll ever have. The idea of being debt free is nice, but I'd recommend saving money and trying to pay the lake house in cash instead.
05-30-2023, 07:57 PM
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#97
- Jacobcapra
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Originally Posted By ricflaironpcp⏩
Bro I’ve been saying for a year or two that he has a Peyton foreheadYou chose the wrong Manning to name your kid after. Archie is the best one.
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05-30-2023, 07:58 PM
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#98
- Jacobcapra
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Originally Posted By SteadySmokin⏩
Lol, you have no idea what you’re talking about and it’s pretty funnyyeah cuz thats always realible right?
your girl will leave you quick for the next man who makes 20-30k/yrly more. watch out you might just be a stepping stone. shes seems like a successful women.
your girl will leave you quick for the next man who makes 20-30k/yrly more. watch out you might just be a stepping stone. shes seems like a successful women.
Originally Posted By Plateauplower⏩
Nice the only thing I!was gonna say the only thing I’m not miring is having a 10 year old at 43 but I’ll have a 10 year old at 41 now fukThis, don’t pay Mtg early at 2.5% with inflation you are not making money on that debt, but you are on the better end of the deal than the mortgager. Save cash as fast as you can for the lake house and buy the dip in values that is seeming more likely. I bought a lake house last year with cash. It needed a few things and is more of a cottage than a house, but it was the best decision ever. Hour away, go there every weekend with wife kids and dogs. Great times, my kids are 10 & 12 so it’s a little easier to enjoy than with toddlers but they will get there quick. I pulled some principle funds out of my Roth, but I’ve been putting away about 30% gross income for the last 20 years in various retirement vehicles. The roths are basically my larger liquid savings accounts and took profits at the top.
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05-30-2023, 08:10 PM
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#99
05-30-2023, 08:19 PM
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#100
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Originally Posted By SteadySmokin⏩
They are working as a team and building a future that will ensure the well-being of their kids but you're so insecure/emotionally retarded that you can't even see the big picture. Probably single with 3 tabs of spankbang open in incognito at this very moment.your women makes the same as you?
JUST LOL!
JUST LOL!
Do not think that what is hard for you to master is humanly impossible; and if it is humanly possible, consider it to be within your reach.
05-30-2023, 08:34 PM
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#101
- Jacobcapra
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Originally Posted By ymer⏩
Rice and beans are cheap. That's not exactly a well rounded diet. Even the cheapest meat you mentioned came out to $1 for 250 cals. The cheapest foods are cheap, foods actually required to making healthy solid meals are not as cheap. Water is wet.Changing goalposts, "if you add sparkling water and you make it very palatable it gets expensive"... Food can be as cheap or as expensive as you want, nutrition is cheap.
Originally Posted By iamdetermined⏩
He's mad my wife salarymogs himThey are working as a team and building a future that will ensure the well-being of their kids but you're so insecure/emotionally retarded that you can't even see the big picture. Probably single with 3 tabs of spankbang open in incognito at this very moment.
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05-30-2023, 10:46 PM
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#102
- IlChosenOne
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It’s a tough decision because it’s not purely a mathematical or financial decision, it’s an emotional one
Like our dear friend Ratfish said, having your house paid off FEELS incredibly good
However with a very low interest rate, you could almost always make more with the money by investing it elsewhere rather than paying down the mortgage early
Personally, my rate is 2.25% and if I continue aggressively saving like I have been, I could probably pay it off in 3 or 4 more years myself
However I need to take into account the opportunity cost, that by paying off my mortgage super early what opportunities would I be missing out on?
I think for me, I’m going to keep saving aggressively while looking for other investment opportunities over the next three years, especially more property. If nothing good comes along, then yeah I might pay this one off and have at least one paid off house for the rest of my life. I’m planning to move soon so I’m going to rent out this house anyway. It’ll probably rent for about 150% of the mortgage payment so I shouldn’t have any worries there
What the fukking fuk
Like our dear friend Ratfish said, having your house paid off FEELS incredibly good
However with a very low interest rate, you could almost always make more with the money by investing it elsewhere rather than paying down the mortgage early
Personally, my rate is 2.25% and if I continue aggressively saving like I have been, I could probably pay it off in 3 or 4 more years myself
However I need to take into account the opportunity cost, that by paying off my mortgage super early what opportunities would I be missing out on?
I think for me, I’m going to keep saving aggressively while looking for other investment opportunities over the next three years, especially more property. If nothing good comes along, then yeah I might pay this one off and have at least one paid off house for the rest of my life. I’m planning to move soon so I’m going to rent out this house anyway. It’ll probably rent for about 150% of the mortgage payment so I shouldn’t have any worries there
Originally Posted By Titansfan08⏩
Location: Missouri3 in daycare still and it's crazy seeing how much money you spend in a month. Can't wait till last one out of it then we will be living the life.
Think when I did our monthly expenses last time it was around 10k.
Between mortgage and daycare easy 5k just there
Think when I did our monthly expenses last time it was around 10k.
Between mortgage and daycare easy 5k just there
What the fukking fuk
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05-30-2023, 10:53 PM
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#103
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No brainer..pay that off and buy another one...also Mechanical engineer only makes 4.5k / month?
05-30-2023, 10:54 PM
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#104
- EireGunner
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Originally Posted By monster0ultra⏩
typical big-mouth cop outI don't have an answer for that because it's not my place to tell anyone how to live their life.
Personally though, if I had kids, I'd make sure there's enough for the kids to be taken care of, 401K, Roth, HSA maxxed out. Beyond that though, I wouldn't pinch any pennies because the money is going to be worthless down the road.
Personally though, if I had kids, I'd make sure there's enough for the kids to be taken care of, 401K, Roth, HSA maxxed out. Beyond that though, I wouldn't pinch any pennies because the money is going to be worthless down the road.
very easy to give 'advice' like some finanical guru, but has zero input beyond that...."im in position to tell you what to do"... lol
just say you dont know chit and just speculate with tired old buzzwords to sound smart
:)
05-30-2023, 11:17 PM
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#105
- SaviorSelfJT
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Originally Posted By ymer⏩
I didn’t change any goalposts, read my original post. Your just being denseChanging goalposts, "if you add sparkling water and you make it very palatable it gets expensive"... Food can be as cheap or as expensive as you want, nutrition is cheap.
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
05-30-2023, 11:19 PM
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#106
- BigDaddyBiceps
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Yeah just stress yourself so you can pay something off early so you can take another loan out. Maybe find some hobbies instead of just payment maxxing your life away bruv. LMAO at mortgage-cels and excessive frugal/saving cels. What a life.
If you're making spread sheets and focusing on paying mortgages off instead of having fun I gaurantee you are the kind of guy to have a dead bedroom, and go through a yuge divorce in about 10 years. Life is about fun, and about being responsible enough people near you are in a secure place. If you focus on just making life overly secure you neglect life and it all comes crashing down in a pile of boredom, cheating, or celibate long term relationship. Focus on something FUN dude. Payment maxxing and spread sheet making dries up a woman like nothing else.
"What did you always dream of when you were young?"
"Eating chicken and rice, sticking to a strict budget, and making payments and spreadsheets."
What a way to spend your 80 years here.
If you're making spread sheets and focusing on paying mortgages off instead of having fun I gaurantee you are the kind of guy to have a dead bedroom, and go through a yuge divorce in about 10 years. Life is about fun, and about being responsible enough people near you are in a secure place. If you focus on just making life overly secure you neglect life and it all comes crashing down in a pile of boredom, cheating, or celibate long term relationship. Focus on something FUN dude. Payment maxxing and spread sheet making dries up a woman like nothing else.
"What did you always dream of when you were young?"
"Eating chicken and rice, sticking to a strict budget, and making payments and spreadsheets."
What a way to spend your 80 years here.
05-30-2023, 11:26 PM
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#107
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Originally Posted By ~Hades~⏩
Thistheres no way i would pay that 2.5% off early
What are you on about mate?
05-30-2023, 11:29 PM
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#108
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Guys if I drive a Geo Metro, spend $4.50 per day eating Kraft Dinner, and live under a bridge I can retire as a multi-millionaire at age 45! Then I'll start living life. Then I'm just a lake house away from enjoying life. Then I will live on Cave Slime for 5 more years to pay the lake house off. Then I'll start living life. Just gotta pay off the new Mercedes. I've cut out coffee and only drink water but I'll pay it off in 2 years and then I'll start living life.
Do you see where this is going?
Do you see where this is going?
05-30-2023, 11:30 PM
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#109
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Originally Posted By BigDaddyBiceps⏩
Any tips for letting loose and making good with the time we have on this dumb rock? (Srs)Yeah just stress yourself so you can pay something off early so you can take another loan out. Maybe find some hobbies instead of just payment maxxing your life away bruv. LMAO at mortgage-cels and excessive frugal/saving cels. What a life.
If you're making spread sheets and focusing on paying mortgages off instead of having fun I gaurantee you are the kind of guy to have a dead bedroom, and go through a yuge divorce in about 10 years. Life is about fun, and about being responsible enough people near you are in a secure place. If you focus on just making life overly secure you neglect life and it all comes crashing down in a pile of boredom, cheating, or celibate long term relationship. Focus on something FUN dude. Payment maxxing and spread sheet making dries up a woman like nothing else.
"What did you always dream of when you were young?"
"Eating chicken and rice, sticking to a strict budget, and making payments and spreadsheets."
What a way to spend your 80 years here.
If you're making spread sheets and focusing on paying mortgages off instead of having fun I gaurantee you are the kind of guy to have a dead bedroom, and go through a yuge divorce in about 10 years. Life is about fun, and about being responsible enough people near you are in a secure place. If you focus on just making life overly secure you neglect life and it all comes crashing down in a pile of boredom, cheating, or celibate long term relationship. Focus on something FUN dude. Payment maxxing and spread sheet making dries up a woman like nothing else.
"What did you always dream of when you were young?"
"Eating chicken and rice, sticking to a strict budget, and making payments and spreadsheets."
What a way to spend your 80 years here.
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
05-30-2023, 11:41 PM
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#110
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Originally Posted By SaviorSelfJT⏩
Baseball games, patio beverages, whatever culture your city has (cultural fests, plays, indie music shows at small places), coffee and walks with the girl, riding bikes with the boys, golfing, finding holes in the wall to eat at, summer camping trips. Variety is the spice of life and if you life max while moderately responsibility maxxing then life is great.Any tips for letting loose and making good with the time we have on this dumb rock? (Srs)
Going to work then watching the same tv shows, then shopping on the weekend and repeating to infinity is a good way to become a bore, end up in divorce, and all that safety you were cultivating disappears when she leaves your ass and she leaves with half. Ever notice when you step out of your comfort zone with your girl you smash? Ever notice when you're doing fun stuff life is lively and you get into good moods and bring that stuff home? A paid off mortgage doesn't compare to having good times with the partner you love. You don't look back in life and go ahh, I remember the time I paid my mortgage off while eating rice and beans for 5 years. Some people's safety maxxing is actually just a slow path to destruction. If you always say you just need to do X and then you'll start having fun your entire life will pass you by.
05-31-2023, 05:30 AM
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#111
- Jacobcapra
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Originally Posted By CanardMedic⏩
I shelter a lot of my income and set aside a lot for taxes. Also I get bonuses. Salary is $86.5K, bonuses vary between $55K and $65K. Wife's is $94K (she's actually paid every two weeks on 36 hours a week, so she'll make 2 extra paychecks each year, which aren't in the budget)No brainer..pay that off and buy another one...also Mechanical engineer only makes 4.5k / month?
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05-31-2023, 05:43 AM
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#112
- Jacobcapra
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Originally Posted By BigDaddyBiceps⏩
Bro I have plenty of hobbies. And spend A LOT of timing on them.Yeah just stress yourself so you can pay something off early so you can take another loan out. Maybe find some hobbies instead of just payment maxxing your life away bruv. LMAO at mortgage-cels and excessive frugal/saving cels. What a life.
If you're making spread sheets and focusing on paying mortgages off instead of having fun I gaurantee you are the kind of guy to have a dead bedroom, and go through a yuge divorce in about 10 years. Life is about fun, and about being responsible enough people near you are in a secure place. If you focus on just making life overly secure you neglect life and it all comes crashing down in a pile of boredom, cheating, or celibate long term relationship. Focus on something FUN dude. Payment maxxing and spread sheet making dries up a woman like nothing else.
"What did you always dream of when you were young?"
"Eating chicken and rice, sticking to a strict budget, and making payments and spreadsheets."
What a way to spend your 80 years here.
If you're making spread sheets and focusing on paying mortgages off instead of having fun I gaurantee you are the kind of guy to have a dead bedroom, and go through a yuge divorce in about 10 years. Life is about fun, and about being responsible enough people near you are in a secure place. If you focus on just making life overly secure you neglect life and it all comes crashing down in a pile of boredom, cheating, or celibate long term relationship. Focus on something FUN dude. Payment maxxing and spread sheet making dries up a woman like nothing else.
"What did you always dream of when you were young?"
"Eating chicken and rice, sticking to a strict budget, and making payments and spreadsheets."
What a way to spend your 80 years here.
I play guitar, and video edit for covers
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I also play drums
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I also do tracking and mixing
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I also like to DIY
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I also golf, coach Tee ball, have a small group, go to Braves games every month, go to the gym every day, enjoy cooking, travel, and plenty of other stuff.
You think cause I have a budget I'm stressed and not enjoying life, bro I'm out here lifeMAXXING
Originally Posted By BigDaddyBiceps⏩
Also I guess you didn't look at the budget, cause I've got two brand new cars coming in less than a year. And multiple budget vacations including a pricey one (to me) at $8K for just my wife and me.Guys if I drive a Geo Metro, spend $4.50 per day eating Kraft Dinner, and live under a bridge I can retire as a multi-millionaire at age 45! Then I'll start living life. Then I'm just a lake house away from enjoying life. Then I will live on Cave Slime for 5 more years to pay the lake house off. Then I'll start living life. Just gotta pay off the new Mercedes. I've cut out coffee and only drink water but I'll pay it off in 2 years and then I'll start living life.
Do you see where this is going?
Do you see where this is going?
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05-31-2023, 05:48 AM
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#113
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Becca has very good facial aesthetics. I admire your financial fastidiousness, congratulations on your success.
05-31-2023, 05:50 AM
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#114
- Jacobcapra
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Originally Posted By ChinkWithDink⏩
I'd say ty brah but your username and sig make me just want to say gtfoBecca has very good facial aesthetics. I admire your financial fastidiousness, congratulations on your success.
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05-31-2023, 06:03 AM
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#115
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Originally Posted By Jacobcapra⏩
One might say I leave you a little confused and internally conflicted then?I'd say ty brah but your username and sig make me just want to say gtfo
05-31-2023, 06:56 AM
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#116
- Jacobcapra
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Originally Posted By ChinkWithDink⏩
Whatever revs your engine brahOne might say I leave you a little confused and internally conflicted then?
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05-31-2023, 07:00 AM
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#117
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Didn't read thread but hope you aren't planning on pinching every penny to pay off a low interest mortgage so you can open up a new high interest mortgage.
05-31-2023, 07:05 AM
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#118
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Do whatever makes you and your family happy.
05-31-2023, 07:36 AM
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#119
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Originally Posted By Jacobcapra⏩
Right on brother, didn't mean to come off as a hater. Not everyone who spreadsheet maxxs is an incel cheapskate. Glad you make time and space in your budget for the fam and a life. Bless. Just don't get caught up too much in saving to take on another bill!Bro I have plenty of hobbies. And spend A LOT of timing on them.
I play guitar, and video edit for covers
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I also play drums
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I also do tracking and mixing
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I also like to DIY
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I also golf, coach Tee ball, have a small group, go to Braves games every month, go to the gym every day, enjoy cooking, travel, and plenty of other stuff.
You think cause I have a budget I'm stressed and not enjoying life, bro I'm out here lifeMAXXING
Also I guess you didn't look at the budget, cause I've got two brand new cars coming in less than a year. And multiple budget vacations including a pricey one (to me) at $8K for just my wife and me.
I play guitar, and video edit for covers
Spoiler!
I also play drums
Spoiler!
I also do tracking and mixing
Spoiler!
I also like to DIY
Spoiler!





I also golf, coach Tee ball, have a small group, go to Braves games every month, go to the gym every day, enjoy cooking, travel, and plenty of other stuff.
You think cause I have a budget I'm stressed and not enjoying life, bro I'm out here lifeMAXXING
Also I guess you didn't look at the budget, cause I've got two brand new cars coming in less than a year. And multiple budget vacations including a pricey one (to me) at $8K for just my wife and me.
I did peep the cars and think this guy may be cons00ming hard af.
05-31-2023, 08:06 AM
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#120
- Jacobcapra
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Originally Posted By BigDaddyBiceps⏩
no worries m8Right on brother, didn't mean to come off as a hater. Not everyone who spreadsheet maxxs is an incel cheapskate. Glad you make time and space in your budget for the fam and a life. Bless. Just don't get caught up too much in saving to take on another bill!
I did peep the cars and think this guy may be cons00ming hard af.
I did peep the cars and think this guy may be cons00ming hard af.
Yeah I really don't want to get new cars, but with a 3rd baby incoming my 3 series simply will not fit them. My wife's carmightfit them all, but it would be tight.
She drives a 2019 tiguan and we're going to spring for an upgrade to the Atlas. A similar year and package should be about 10-12K after trade in, and she'd go from a car with 80K miles to 30-40K. probably get two more years out of her car so not a bad trade imo.
I'm the one that's gonna be slightly raped. My 2013 3 series is probably only worth like 6-8K and I plan to get a brand new car that will last the entirety of my kids being in my house. Planning to spring for this
Spoiler!

Even after selling my beamer privately for max cash and putting down 15-20K from savings I'll have a $400 car note or so. Hopefully will pay it off early though.
**Georgia Crew**
**Mechanical Engineering Crew**
**2018 Aesthetics Crew**
01/02/2018 - 202.2 lb.
Current - 181.4 lb. (1/23/18)
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