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1
Posted on 7/12/13 at 2:31 pm to rintintin
Holy crap. Half into savings
You are either ballin or live dirt cheap
You are either ballin or live dirt cheap
Posted on 7/12/13 at 2:36 pm to jimbeam
Live within my means. I also have a wife who works, so that helps a lot.
Posted on 7/12/13 at 2:54 pm to LSUAfro
quote:
You had a good run.
When my post count explodes to the thousands, you'll be able to say you knew me at 155.
Posted on 7/12/13 at 2:55 pm to jimbeam
quote:
Holy crap. Half into savings
You are either ballin or live dirt cheap
Much more the latter. But as I said, I have very few expenses.
I'm single (as in not married), have no kids, car is payed off, no credit card or student loan debt, or any other debt, and I don't spend money on material possessions.
It's pretty easy to live off of a relatively small income when you don't throw money away.
Posted on 7/12/13 at 3:06 pm to I Love Bama
I have to keep a bunch of money liquid in a money market fund for funding rental real estate deals and for secondary tax liens/foreclosing and flipping properties.
Posted on 7/12/13 at 3:08 pm to rintintin
quote:
Much more the latter. But as I said, I have very few expenses. I'm single (as in not married), have no kids, car is payed off, no credit card or student loan debt, or any other debt, and I don't spend money on material possessions. It's pretty easy to live off of a relatively small income when you don't throw money away.
well aren't you mr. responsible. don't forget to live your life!
Posted on 7/12/13 at 3:15 pm to trillhog
When I say "savings" I mean retirement accounts.
Also, how long did y'all save up for your emergency accounts? Should I hold off retirement accounts for that.
Situation- 24, wife 29, 1 baby on the way.
We'll gross 85 next year. 12k in my Roth, 1k in her ira. 7k in checking (I personally want to keep it north of 5k)
Also, how long did y'all save up for your emergency accounts? Should I hold off retirement accounts for that.
Situation- 24, wife 29, 1 baby on the way.
We'll gross 85 next year. 12k in my Roth, 1k in her ira. 7k in checking (I personally want to keep it north of 5k)
Posted on 7/12/13 at 3:17 pm to wegotdatwood
Everyone suggests emergency fund first 
Posted on 7/12/13 at 3:19 pm to wegotdatwood
quote:
Also, how long did y'all save up for your emergency accounts?
3-6 months worth of living expenses depending who you talk to
Posted on 7/12/13 at 3:24 pm to yellowfin
I was probably in my early 30's, with 2 kids when I started putting half my paycheck away. I'm 40 now. As far as emergency fund, I don't really think about having a certain amt. I try to make sure I have enough in savings to make sure that if I make a big purchase(car), that I still have enough to cover a couple months of bills. My current vehicle is 7 yrs old and I will drive it till the wheels fall off.
Posted on 7/12/13 at 3:31 pm to guttata
quote:
My current vehicle is 7 yrs old and I will drive it till the wheels fall off.
same here, i drive a 2008 Hyundai and most of my friends drive their 50-75g cars and make fun of me all the time. I'm not cheap and i can easily afford over 50G vehicle. I'm just not into showing off and fancy cars. Am i the only one here ? love me for me
Posted on 7/12/13 at 3:31 pm to trillhog
quote:
well aren't you mr. responsible. don't forget to live your life!
Oh I do, just because I'm responsible with my money doesn't mean I don't have fun. Most of my expendable money goes towards going out, eating out, and traveling.
Posted on 7/12/13 at 3:32 pm to King of New Orleans
Currently, about %20. Just made a large purchase and am getting it back up to the 4 month cushion level which should take 4/5 months.
This means I won't be able to max out our Roths until early next year when the bonus checks come in.
This means I won't be able to max out our Roths until early next year when the bonus checks come in.
Posted on 7/12/13 at 3:36 pm to Northwestern tiger
quote:
Am i the only one here ?
Prius.
Seriously, though, I currently work 50 miles from my house. I bought it (used) two years ago and it is still worth my purchase price. And the car note + gas is still lower than what I was paying for gas in my last vehicle.
Posted on 7/12/13 at 3:38 pm to ell_13
Meh. Civics make 40+
Posted on 7/12/13 at 3:38 pm to ell_13
I wish I could still do a Roth
Posted on 7/12/13 at 3:43 pm to King of New Orleans
Pre or post tax? makes a big difference and are you also including paycheck deductions like 401k, health insurance, disability ect.?
~30% after all deductions tax, ins. ect.
~15% pre tax
~30% after all deductions tax, ins. ect.
~15% pre tax
Posted on 7/12/13 at 3:48 pm to wegotdatwood
quote:
Wife and I combined 21%.
Exactly the same for us.
Posted on 7/12/13 at 4:01 pm to jimbeam
The new civics, sure. So more up front. I average 55 mpg.
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