OT. Anyone fight with spouse about money?
- Thread starter RedBaloneyPony
- Start date
These days I’m in a sauna til I hit the shower. I fix fence or whatever at the farm until I can’t replenish the sweat with water anymore then I quit for the day. No freaking way am I going to get in a sauna☺️ I’m drenched in sweat by 10 am
My bar hang that does the most for me involves a double tall gin and tonic……or two.
Totally, one of my sons will be attending Michigan for his MBA, $67k/yr. That is crazy money for one year fortunately he is an officer in the military and they are footing the bill. I’m thinking the elites, academia, etc and soaking the rest of us big time.
My daughter got a degree in history from Harvard. She had an emphasis on Russian history and language. Her longer term goal is to get in to a top law school and pursue international law. I just cringed when I heard her area of undergrad emphasis but so far it’ looks like it’s working out for her. She was told by multiple advisors that a history degree would serve her well for the career she wants. She found a job with a large law firm doing research for them and has turned down other offers. She wanted to work in a law firm for 2 years before she actually started law school.
Reminds me of the saying if I had known I was going to live this long, I would have taken better care of myself. Another one is-was hard work won't hurt you. I am living proof starting when I was 48 shoulder surgery and the surgeon said looks like the shoulder of a 65 year old. Skipped a year and had to have the other one done, the same thing. 4 back surgeries since then and needed another shoulder done 2 years ago and decided I would live with it. It is interesting reading other older people mention (aches and pains) like that because so much for the golden years. The way I see it, the only thing golden is my pee. Take care
My bulldog still pisses like a male even without balls
countrybob, I think that saying about taken better care of myself was by Mickey Mantle. Or maybe not.
It is a bitch getting older especially when you've abused your body in the younger years. The problem is, so many times the work one is doing is really tough on the body and the joints, but when you're younger you can just kind of absorb the shock and some pain. Plus, at that time, you're doing what you have to do to move your family or operation forward, so we just kind of eat the pain.
On a related/unrelated note you said in your younger days you ran the 40 in 4.7 and now it would be 9.7. I say, after reading your physical condition....Bullshit!!.
You might not be able to explode for 5 yards before you blew an ankle, knee, hip or something. You realize I would be speakng from first hand experience as a broken down ex-sprinter myself? If I were to try a legitimate 40 yard dash, the only place it would happen is on the lawn at the local hospital, near the emergency room entrance. LOL
I’m at a place to push a big reset button and sell our house. We would use the profit to wipe away accrued debt since we have been in this place. That is the pro. The con is only being in this new build 2.5 years and uprooting the family to a rental. we would lose our locked in 2.99% interest. My wife and I are in a constant chat about this decision. I Gotta follow scripture about debt better. I’m sick of being a slave to the lender.
Do you think it would help if you had a crystal ball? LOL I know I know, I'm a smart ss
Good for you and your family. Debt free is huge in this (or any) day and age. As far as the locked in 2.99%, that's a great rate and may not be available for a long time.
You're gonna erase debt, hopefully keep your powder dry and if things work out you get into a home at an affordable rate.
Always keep your eye out on a home(s) that were purchased with a VA Loan, because they are all assumable. Without researching it, I'm sure some were purchased at a good rate. Good luck.
All The F Time
My wife, who I love, still buys Teddy bears.
We do have a VA loan so for sure we’d get another one when the opportunity presents itself.
The shit they buy...
"I am gonna grab milk and eggs at Target"
3 hours later
"Can you come help me with the bags in the car"
No. So long as you pay off the previous VA loan your eligibility is restored. I’m on my third.
So how does that work...(and I have a reason I am so interested in this) if you are in a home on a VA loan...wish to sell and buy another using a VA loan... Traditionall people use a bridge...but that isn't exactly paying the old one off first...do VA loans have a bridge of some sort to execute that??
Sorry, I don’t know the answer to that. My homes were spread out over time and I never purchased on back to back assignments.
I leapt a 6 foot tall board fence 2 weeks ago to avoid a pissed off bull. Depending on the adrenalin I can move when I have to. I wouldn’t want to have to outrun a mad mama cow for more than about 10 yards though😁
I recently climbed my basement steps 2 at a time, so there's that.
Fast forward to 3:40 on this You Tube video.
IMO, there is stupid and then there is beyond hope. But, then when I think about rodeo cowboys, what do I know?
OP - don’t do this 🤣.
finance.yahoo.com
Americans are still ransacking their retirement savings
In the second quarter, the tally of folks taking hardship withdrawals from their 401(k) was up 12% compared to the first three months of the year and leapt 36% year over year.
This is such a bad situation that folks are being forced into. The only thing I hope is if they are withdrawing money from their retirement account(s) they are at least putting it to good use, i.e. catching up on bills or paying bills off. So many people are on the treadmill just trying to stay solvent.OP - don’t do this 🤣.
Americans are still ransacking their retirement savings
In the second quarter, the tally of folks taking hardship withdrawals from their 401(k) was up 12% compared to the first three months of the year and leapt 36% year over year.
I always thought it made more sense to manage a withdrawal with some flexibility built into it. For example, the average withdrawal is @ $ 5,000.00. Instead of withdrawing $ 5K of your own money, I would withdraw $ 10K and use half of it to pay down/payoff debt and yes, buy 5K in precious metals. That allowed liquidity at a moment's notice. If the 5K was somehow able to bridge the gap and buy some more time, at least the person withdrawing the money was paying money back to himself and not pissing it away.
I have real concerns about the ability of a large part of the population to survive financially in the coming months.
I assume it’s mostly being spent on frivolous purchases. People got used to spending their “free” Biden bucks, and are addicted to spending like it’s 2021 and ‘22.
Absolutely Tampa. A lot of it started a long time ago with the convenience of just swiping the plastic. Then we moved into the easy/free money era. Not paying attention now to a person's financial responsibilities will lead them to total disaster. I think its hard enough for people that are really managing their money well to even get ahead. Let alone, like you say, spending money on BS items.
Yep.. and just in time for student loan payments to start back up again. Add the over a trillion in credit card debt, and you have a prefect recipe for a wave of bankruptcies & a nasty recession. Government is trying their hardest to spend their way to positive GDP #, but going to come crashing down in Q4.
I agree, if not a couple months earlier.
I would agree - at our work people who start doing this end up making it a repeat behavior over and over again. It’s a bad deal.
I had one person tell me once that since he was “earning” 5% on his money (he had to pay interest on his 401k loan) that he was doing better than the market, I could not convince him that his net wasn’t changing since he was paying the interest.
A buddy of mine that owns a service station is having people show up needing a tire fixed who can’t even afford to put a used tire on. He said it’s getting worse by the day. Some of it is all the theft from stores making grocers etal raise prices to compensate for the losses. I don’t know how in the hell families can afford groceries.
Not only the rising prices of groceries and about everything else, as Tampa said, now they get to restart their payments for student loans which further reduces their disposible income.
My wife asked me 3 years ago why I was pressure canning so much food, it didn't take her long to figure out why. lol
One of the great things about that process is it allows my wife and I to give essential food items to friends who are trying their asses off and barely keeping their head above water.
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Pro athletes swear by the cold/ice tub. I did it a few times after skiing and it does make a difference.
There's a fine line between pro athletes and a 69 year old former phenom.
I know exactly how you are wired. If I feel good, I have stuff to do. My last back surgery the surgeon told me I am like an old vintage car the mind/engine says go but the body is saying no go. So I go until I can't hardly stand up straight. I ended up telling him if I sit on the couch all day and only get up too go too the bathroom, eventually that's going to hurt. But then I was ever the brightest bulb in the pack.
I'm jealous, what is the real secret to your power of PERSUASION!
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