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Started By
Message
Do you ever escape the churn of worrying about money?
Posted on 2/16/24 at 11:54 am
Posted on 2/16/24 at 11:54 am
When I was in my early 20's I was barely scraping by but so were the rest of us; I was mostly concerned with getting a better job.
I got Better Job 1 and things started to level out, then I started to deal with student loans which put me back where I was with Original Job. I was again concerned with getting Better Job 2.
I got Better Job 2 and things started to level out, then my car turned 15 and I realized it was on its last legs. Car payment and student loan payments put me back where I was with Better Job 1. I set my sights on Better Job 3.
I got Better Job 3 and things started to level out, then I realized I was way behind on retirement savings. Putting money away for retirement, car payment, and student loan payments put me back where I was with Better Job 1.
I probably need to hang out in this job for a few years before I pursue Better Job 4. As I'm in this holding pattern, a family looms in the future which makes me wonder how to fit it all in.
I got Better Job 1 and things started to level out, then I started to deal with student loans which put me back where I was with Original Job. I was again concerned with getting Better Job 2.
I got Better Job 2 and things started to level out, then my car turned 15 and I realized it was on its last legs. Car payment and student loan payments put me back where I was with Better Job 1. I set my sights on Better Job 3.
I got Better Job 3 and things started to level out, then I realized I was way behind on retirement savings. Putting money away for retirement, car payment, and student loan payments put me back where I was with Better Job 1.
I probably need to hang out in this job for a few years before I pursue Better Job 4. As I'm in this holding pattern, a family looms in the future which makes me wonder how to fit it all in.
50
Posted on 2/16/24 at 11:56 am to Thundercles
Posted on 2/16/24 at 11:57 am to Thundercles
At some point your parents will die and you'll inherit, which makes things super comfy.
Posted on 2/16/24 at 12:00 pm to Thundercles
Answer- No, it pretty much never goes away for most of us. Loans, car, house, spouse, kids. Pay off 1 thing so you can take on another. If you still have the same amount as job 1, but you’re paying car note (will end one day), student loans (will end one day), and retirement, then I’d say you’re doing pretty well so far
Posted on 2/16/24 at 12:00 pm to Thundercles
quote:
family looms in the future
Ya got much saved for the family?
That one’s a doozy.
Posted on 2/16/24 at 12:00 pm to Thundercles
yes
Posted on 2/16/24 at 12:01 pm to Thundercles
Yes. I do not worry about money.
Posted on 2/16/24 at 12:02 pm to Thundercles
I got 99 problems but money ain’t one.
Posted on 2/16/24 at 12:02 pm to Thundercles
I live within my means so don’t have to worry about it.
Posted on 2/16/24 at 12:02 pm to Thundercles
It's more about not spending than it is making more money.
Posted on 2/16/24 at 12:03 pm to Thundercles
Yes, when you start benefiting from compounding interest
Posted on 2/16/24 at 12:04 pm to Thundercles
Money will always be on your mind, but you can do things to make it less stressful. The biggest is living within your means. Don’t live like you make six figures if you don’t. Don’t carry credit card debt you can’t pay off with one payment. Don’t underestimate the power of saving money in however manner works best.
Posted on 2/16/24 at 12:05 pm to Thundercles
When I was scraping by my worries were pretty straightforward
As I’ve gotten more comfortable my concerns are not day to day but goals for retirement
But I still think about it daily just not anything immediate
As I’ve gotten more comfortable my concerns are not day to day but goals for retirement
But I still think about it daily just not anything immediate
Posted on 2/16/24 at 12:06 pm to Thundercles
Sounds like you are stuck in the churn of worrying about money because you keep trying to out earn your stupidity.
When you were at job 2 and the car died, you didn't need a car payment. You could've bought a $2000 used car with cash and been done. Now you are still paying car payments on Job 3.
Want to bet on what's going to happen when you get Job 4? Based on your previous behavior you are going to reward yourself to an upgrade with a new car and another note.
Wake up man. Your hard earned income is sitting in your driveway.
When you were at job 2 and the car died, you didn't need a car payment. You could've bought a $2000 used car with cash and been done. Now you are still paying car payments on Job 3.
Want to bet on what's going to happen when you get Job 4? Based on your previous behavior you are going to reward yourself to an upgrade with a new car and another note.
Wake up man. Your hard earned income is sitting in your driveway.
This post was edited on 2/16/24 at 12:08 pm
Posted on 2/16/24 at 12:06 pm to Thundercles
We're in an inflationary cycle which has everyone concerned about money right now, but unless you either live below your means or make more than you can spend, money is always a concern.
The trick is to not let it rule your life.
The trick is to not let it rule your life.
Posted on 2/16/24 at 12:07 pm to Thundercles
I still worry about money, but not nearly as much as I did when I was younger. My wife and I make pretty decent money now and try to keep our expenses reasonable relative to income.
I'd have probably bought a fancy truck at my current income level when I was 30. Now I have no desire to spend that much on a vehicle.
I'd have probably bought a fancy truck at my current income level when I was 30. Now I have no desire to spend that much on a vehicle.
This post was edited on 2/16/24 at 12:10 pm
Posted on 2/16/24 at 12:10 pm to Miglez
quote:
When you were at job 2 and the car died, you didn't need a car payment. You could've bought a $2000 used car with cash and been done. Now you are still paying car payments on Job
Maybe but what if he marries a girl who makes close to what he makes? That would be good, and it's not far fetched. Perhaps a decent car is what was needed to allow that to happen. Most girls who make a decent salary don't date guys who drive a $2000 beater.
This post was edited on 2/16/24 at 12:11 pm
Posted on 2/16/24 at 12:14 pm to Thundercles
quote:
probably need to hang out in this job for a few years before I pursue Better Job 4. As I'm in this holding pattern, a family looms in the future which makes me wonder how to fit it all in.
System is set up for you to be an indentured slave. It’s up to you to have the personal responsibility to manage your margins to accumulate wealth and f*ck you money
This post was edited on 2/16/24 at 12:15 pm
Posted on 2/16/24 at 12:16 pm to Thundercles
I did for awhile then this thread reminded me...thanks.
Posted on 2/16/24 at 12:17 pm to SirWinston
quote:
Maybe but what if he marries a girl who makes close to what he makes? That would be good, and it's not far fetched. Perhaps a decent car is what was needed to allow that to happen. Most girls who make a decent salary don't date guys who drive a $2000 beater.
If you would rather appear to be rich than actually be rich so that you can attract a gold digger, go for it.
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