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OT. Anyone fight with spouse about money?

My “guy” janitor actually lights up in the school, tough old piece of leather that nobody is gona tell him he cant
My last "cool janitor" went to a bathroom that had the door to the ladder that went up to the roof.

he would go up there, had a folding chair, and would smoke.

It was awesome!

I "worked" for him one summer. On a scale 1-10, guess how much work we did. 10 being the most.
 
Facts don’t care about your feelings..

Millennials make up close to a quarter of the US population, but hold just 3 percent of the wealth. When boomers were our age, they held 21 percent.

One cause of this is the cost of higher education: Millennials face private education costs 300 percent higher than boomers did, and around 1 in 10 millennials carries student loan debt in the six-figure range. By comparison, when the average boomer was a young thirty-something, their educational debts amounted to just $2,300 in today’s dollars
There will be a massive wealth transfer in the next 20 years from the silent generation, and the boomers to Gen X and millennials.

GenZ, sorry you’re on your own.
 
I know "that guy"...

I have taught with more than a few janitors that basically lived their life at the school. Lived in a "crappy" area, their words, not mine. Drove a Ford Focus, had a wife that (smoked) had a city job...and basically just had a lot of money.

They were almost always funny as ****.
This guy was deaf most of his life. His wife didn’t smoke and was a sweetheart. He was loved by all. He got cochlear implants at about 80. He said he didn’t know how loud birds were in the morning. Kindest man I’ve ever known.
 
This guy was deaf most of his life. His wife didn’t smoke and was a sweetheart. He was loved by all. He got cochlear implants at about 80. He said he didn’t know how loud birds were in the morning. Kindest man I’ve ever known.
He smoked...they all smoke.

And he wasn't deaf, dude just realized it was smarter to fake it.
 
There will be a massive wealth transfer in the next 20 years from the silent generation, and the boomers to Gen X and millennials.

GenZ, sorry you’re on your own.
Yep!

Lots of old people that have a lot of cash...getting ready to leave it behind.

Got a buddy that ended up with like 3 million from his mom...and will get 4-5 million from his Dad...hasn't "worked" in 15 years.
 
He smoked...they all smoke.

And he wasn't deaf, dude just realized it was smarter to fake it.
Our janitor was named Earl. Grumpy old bastard. Hardly said two words, never smiled and smoke like a chimney. Pretty sure he worked up until the day he died, and was dead broke. His death was the sweet release that allowed him to escape the torment of a bunch of jerk kids. Man did we screw with old Earl. RIP brother.
 
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Yep!

Lots of old people that have a lot of cash...getting ready to leave it behind.

Got a buddy that ended up with like 3 million from his mom...and will get 4-5 million from his Dad...hasn't "worked" in 15 years.
I sat around inside all day watching golf and baseball because of rain It about killed me to not go outside and get some work done. Its depressing to sit on your ass.

But I’m dreading when my wife retires because she’ll be at home dreaming up more projects for me and I already can’t get everything done. I’ll probably die with a shovel in my hands. I’m guessing my kids won’t meet that end.

Todays younger generations generally don’t have the work ethic that was drilled in to most boomers.
 
I sat around inside all day watching golf and baseball because of rain It about killed me to not go outside and get some work done. Its depressing to sit on your ass.

But I’m dreading when my wife retires because she’ll be at home dreaming up more projects for me and I already can’t get everything done. I’ll probably die with a shovel in my hands. I’m guessing my kids won’t meet that end.

Todays younger generations generally don’t have the work ethic that was drilled in to most boomers.
Amen! I get SOOO bored sitting around. I need something to do.

I don't know if it is "work ethic" as much as it is that dudes just don't want to get nagged.

Back in the day, you just told your wife to shut the **** up. That doesn't fly now.
 
Way more disciplined than I can even imagine. Sounds to me like a retired janitor I knew who lived a frugal life. He died in his 80s a couple of years ago and left about 250k to our church.
Thanks dingle. Some folks, you and I both know some, grew up dirt poor, became successful and then managed to outgrow their money. Others maintained their roots and built something meaningful. I've said in other threads, nice cars do nothing for me, a bigger house wouldn't represent who my wife and I are.

She grew up in a family of 7 kids, her dad put up grain bins for a living and her mom was a housewife. they lived in a 2 bedroom house and they got by just fine. I grew up living in every cockroach den in this city. To me, my home is a castle.

My wife is awesome, she won't waste money, even though we could waste a lot of money. My old man was a drunk, died when I was 12 and like I said, I've been supporting myself since I was 14 years old. Nobody gave us a penny.

I wanted to, and have, changed the narrative for my entire family. I'm not a greedy guy, I don't care to be the richest guy in the cemetery. I love to give gifts to my loved ones. I never wanted to wait till my kids are 60 years old. We had the wherewithall, so we began gifting them money a long time ago.

But to have to defend an entire generation seems a bit much when dealing with Tampa. The dude doesn't know anything about me or the path I took to get to this point. When you're on your own at 14 and become a successful person, it gives me the right to tell Tampa to eff off because I don't owe him anything.

I hope he gets it together because victimhood worsens with time. I coulda been a victim. I coulda been a worthless drunk like my old man and old lady. I chose not to. I'm proud of what my wife and I have accomplished, and when I get incoming like that, his attempt to diminish what I've actually accomplished, pissed me off. I hope he lightens up.
 
I sat around inside all day watching golf and baseball because of rain It about killed me to not go outside and get some work done. Its depressing to sit on your ass.

But I’m dreading when my wife retires because she’ll be at home dreaming up more projects for me and I already can’t get everything done. I’ll probably die with a shovel in my hands. I’m guessing my kids won’t meet that end.

Todays younger generations generally don’t have the work ethic that was drilled in to most boomers.
I really hope the robots are useful, because these younger generations seem entirely useless, sans running a cell phone or a video game console
 
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I really hope the robots are useful, because these younger generations seem entirely useless, sans running a cell phone or a video game console
That is interesting because I teach HS and those kids to more work than I ever did in school and it is not even close.
 
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Happy to be Gen X!!
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Technically taxes and insurance aren’t mortgage payments. They are taxes separately and insurance separately. But yes if you want take that out of context and pretend we don’t know how basic finance works - please do, but it makes you look even dumber than you already do.
More accurately they’re part of the cost of owning that asset but people usually don’t consider that when they look at their ROI on home ownership. My conclusion is that you own a home because you want two things. First you want a stable nice place for your family. Second you need a forced saving plan. The investment component hasn’t been great until we had this run up in real estate values. We built my wife’s dream home 17 years ago. Property taxes and insurance have doubled in the past 10 years. No mortgage payment but damn. We would have been WAY better off building something half as big and buying another farm with the difference. Farm land has probably gone up 7-8x in value over the last 17 years.
 
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Yep!

Lots of old people that have a lot of cash...getting ready to leave it behind.

Got a buddy that ended up with like 3 million from his mom...and will get 4-5 million from his Dad...hasn't "worked" in 15 years.
See, now he's the kind of boomer that gives the rest of us boomers a bad name. Good for him
 
I grew up in south O relatively poor. I lived at home and worked while going to college so I wouldn't have a bunch of school loans. Worked for 30 plus years in software never making 6 figures and saved my ass off. Bought a pretty nice house and paid it off in about 15 years. Married a smart woman with a good job later in life. We never had kids. I retired at 55 almost 3 years ago with no debts, a house worth at least $350,000 and more money than I will ever need. This doesn't even include my wife's money. I have yet to touch my IRA's or 401k. My advice is don't live beyond your means, spend as little as possible on college, max out your 401k, learn to be handy around the house, don't buy all the fancy new toys. Also, don't have to have kids unless you absolutely feel the need. :)
 
I grew up in south O relatively poor. I lived at home and worked while going to college so I wouldn't have a bunch of school loans. Worked for 30 plus years in software never making 6 figures and saved my ass off. Bought a pretty nice house and paid it off in about 15 years. Married a smart woman with a good job later in life. We never had kids. I retired at 55 almost 3 years ago with no debts, a house worth at least $350,000 and more money than I will ever need. This doesn't even include my wife's money. I have yet to touch my IRA's or 401k. My advice is don't live beyond your means, spend as little as possible on college, max out your 401k, learn to be handy around the house, don't buy all the fancy new toys. Also, don't have to have kids unless you absolutely feel the need. :)
DO NOT HAVE KIDS.

Period.
I would also say to not get married.

But enjoy YOUR life.
 
Thanks dingle. Some folks, you and I both know some, grew up dirt poor, became successful and then managed to outgrow their money. Others maintained their roots and built something meaningful. I've said in other threads, nice cars do nothing for me, a bigger house wouldn't represent who my wife and I are.

She grew up in a family of 7 kids, her dad put up grain bins for a living and her mom was a housewife. they lived in a 2 bedroom house and they got by just fine. I grew up living in every cockroach den in this city. To me, my home is a castle.

My wife is awesome, she won't waste money, even though we could waste a lot of money. My old man was a drunk, died when I was 12 and like I said, I've been supporting myself since I was 14 years old. Nobody gave us a penny.

I wanted to, and have, changed the narrative for my entire family. I'm not a greedy guy, I don't care to be the richest guy in the cemetery. I love to give gifts to my loved ones. I never wanted to wait till my kids are 60 years old. We had the wherewithall, so we began gifting them money a long time ago.

But to have to defend an entire generation seems a bit much when dealing with Tampa. The dude doesn't know anything about me or the path I took to get to this point. When you're on your own at 14 and become a successful person, it gives me the right to tell Tampa to eff off because I don't owe him anything.

I hope he gets it together because victimhood worsens with time. I coulda been a victim. I coulda been a worthless drunk like my old man and old lady. I chose not to. I'm proud of what my wife and I have accomplished, and when I get incoming like that, his attempt to diminish what I've actually accomplished, pissed me off. I hope he lightens up.
We started maxing out what we could gift to our kids a few years ago without them incurring income tax consequences. All of our kids still have vehicles that we own and insure although that’s going to change shortly. I’ve got 4 grandkids now under 4 so we’ll probably do something for college funds for them. We’ve got the Ivy League out of our cash flow picture now so that helps. My daughter thinks she’ll get law school paid for but we’ll see.
 
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Yeah boomers are hogging real estate lol…
You’re so bitter..it’s cute

Enjoy tonight.. when it’s just you and your thoughts.. and you’ll think.. is Tampa right? Just a product of my age post war success and deep down you know it’s true.. sleep tight cupcake
The thought that you're right hasn't nor will it ever cross my mind. When I think of Tampa, I think victim.
 
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We started maxing out what we could gift to our kids a few years ago without them incurring income tax consequences. All of our kids still have vehicles that we own and insure although that’s going to change shortly. I’ve got 4 grandkids now under 4 so we’ll probably do something for college funds for them. We’ve got the Ivy League out of our cash flow picture now so that helps. My daughter thinks she’ll get law school paid for but we’ll see.
Sounds like a great plan. Nothing I like more than those who have the means, spread the wealth and make others lives a little easier. Kudos to you and the Mrs. Dingle.
 
You realized you're getting entirely smoked in this thread.? You boomer gig isn't playing very well. But carry on.
Smoked? You’re so butthurt with simple facts you can’t stop responding to me.. statistically speaking you only have like 7 years left on this earth.. you should spend them wiser
 
The thought that you're right hasn't nor will it ever cross my mind. When I think of Tampa, I think victim.
Just a different life experience and perspective. I have a dear friend who never married. He ran fast food franchises around the globe and ended up a dive boat captain on a Pacific Island. Different strokes for different folks.
 
DO NOT HAVE KIDS.

Period.
I would also say to not get married.

But enjoy YOUR life.
I can understand not getting married, but in my case I found a woman 12 years younger than me who only adds to my life. She has a good job, never refuses me sex, takes great care of me, pays more than her share of the bills, doesn't create drama and my family loves her.
 
Smoked? You’re so butthurt with simple facts you can’t stop responding to me.. statistically speaking you only have like 7 years left on this earth.. you should spend them wiser
You like those numbers, don't you?
How about this number...When I was your age, my home was already paid for. You like that number?
 
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