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Started By
Message
re: Do you live at, below or above your income means?
Posted on 8/9/25 at 2:36 pm to Artificial Ignorance
Posted on 8/9/25 at 2:36 pm to Artificial Ignorance
No one on the OT had debt of any kind.
1
Posted on 8/9/25 at 2:37 pm to Indefatigable
quote:
No one on the OT had debt of any kind.
That’s because most of the OT is stupid and doesn’t understand the financial term leverage.
I’ll finance anything at the right rate
Posted on 8/9/25 at 2:38 pm to Mingo Was His NameO
Wym baw. Everyone here buys everything in cash
Posted on 8/9/25 at 2:39 pm to Indefatigable
quote:
Everyone here buys everything in cash
These guys are so dumb that they lie and their lie is retarded. Tough scene!
Posted on 8/9/25 at 2:53 pm to dblwall
Below. I have a 10-year-old truck, my wife has an 8-year-old Rogue, and no debt. Our house has been paid for at least 15 years. I paid cash for my first house, in BR.
WE are not rolling in cash, but have substantial money locked down.
WE are not rolling in cash, but have substantial money locked down.
Posted on 8/9/25 at 3:05 pm to Artificial Ignorance
Well below my means.
I live in a 950 sf house, drive an affordable vehicle, and dont eat out often. I spend most of my disposable income on hunting. My wife and I save 40%+ of our take home. My bills are pretty close to what they were when I was making 40k/year. I'm not a baller by any means but live pretty frugally for the most part.
I live in a 950 sf house, drive an affordable vehicle, and dont eat out often. I spend most of my disposable income on hunting. My wife and I save 40%+ of our take home. My bills are pretty close to what they were when I was making 40k/year. I'm not a baller by any means but live pretty frugally for the most part.
Posted on 8/9/25 at 3:06 pm to The Third Leg
quote:
I have a healthy paranoia about financial security
Me too. I know how stressful it is to feel overwhelmed by money issues and never want to be in that position again.
Posted on 8/9/25 at 3:16 pm to Artificial Ignorance
We make a lot of money but we spend a lot of money!
--patrick ewing
(michael scott)
[tiger ryno]
--patrick ewing
(michael scott)
[tiger ryno]
Posted on 8/9/25 at 3:19 pm to Artificial Ignorance
Above my means, definitely. Have debt. Not a massive amount and have a pretty good job. Some CC and student loans. No vehicle note.
YOLO
YOLO
Posted on 8/9/25 at 3:28 pm to Artificial Ignorance
Right at to a little below
Posted on 8/9/25 at 3:29 pm to Artificial Ignorance
I would say below.
Only debt is my mortgage, which is around 13% of my take home per month, I contribute another 20% per pay period to my company 401k. Save around 10% for random shite that breaks, invest any extra in my personal brokerage "fun money" account.
Only debt is my mortgage, which is around 13% of my take home per month, I contribute another 20% per pay period to my company 401k. Save around 10% for random shite that breaks, invest any extra in my personal brokerage "fun money" account.
This post was edited on 8/9/25 at 3:30 pm
Posted on 8/9/25 at 3:30 pm to Tiger Ryno
quote:
We make a lot of money but we spend a lot of money!
Ditto. We are lucky. Spend a ton on a monthly basis but don't watch our spending close since we save around the same amount. We have a ton of debt (real estate) but it is at a less than 3% rate so we invest vs aggressive pay down.
Both of us work and neither of us is wasteful or into luxury brands.
Posted on 8/9/25 at 4:42 pm to Ruston Trombone
quote:
Depending on the year my pre-tax income starts with 2 and sometimes a 3.
But with the kid + high COL area + trying to backfill the savings I missed by getting a late start, feel like I’m barely treading water. I’m slightly ahead every month but it just takes one A/C issue or something to wash out several good months in a row.
And see... Im in a low COL area but my salary starts w a 1. I think the most frustrating thing is I dont know my wife understands the extent of the stress. All she sees is the product not the process. July was alot..her and my son's bday plus we took a weekend trip to hot springs. I saved for some of it over the prior months and put some on credit which is fine cause I mapped out my August...exactly when mortgage, car note, his tuition was gonna get drawn...I paid for July in August...we haven't gone out to eat ive packed a sandwich to work everyday then bam.... blew out a tire and needed another new one bc of wear... $350 in one swipe and had to rework everything. Wife just said..oh sorry babe..thats annoying.
I'm also complaining about 1st world problems cause I do have savings and a 401k and I've never worried if im gonna make mortgage or anything else...but frick for what I do the hours I put in we should coasting. But this just flat isnt an economy where 1 income does it anymore.... its fricking frustrating.
Posted on 8/9/25 at 4:44 pm to BrohemAlem11
How about tell your wife you’re no longer financing her lifestyle on credit?
Posted on 8/9/25 at 4:51 pm to Mingo Was His NameO
quote:
How about tell your wife you’re no longer financing her lifestyle on credit?
Eh that balance will be zero before October.... its annoying but not a huge deal and not something were frequently doing. End of the day I made the decision she didnt push for it..m she dont push to spend..im actually pretty blessed w a not financially horribly minded woman.
At times I wish she was more urgent to get back to work cause once she does were on easy street, but this was also the plan (thats a long complex convo) but also another kid and hitting reset would be suffocating when I see the light at the end of the tunnel
Again...first world bitchin
Posted on 8/9/25 at 4:53 pm to Artificial Ignorance
Well below.
Posted on 8/9/25 at 4:55 pm to BrohemAlem11
You’re one financial event from having to pull your kid out of private school or having to choose between that and your mortgage.
A first world problem I guess, but not a good one
A first world problem I guess, but not a good one
Posted on 8/9/25 at 5:02 pm to Artificial Ignorance
Come on. You know damn well there wont' be a single person here say I live way above my means. Everyone on OT is 6'5' 230, 36 ACT, $300k a year, wife is a 10 out of 10. You know that right?
This is a loaded question because you won't get honest answers from some.
This is a loaded question because you won't get honest answers from some.
This post was edited on 8/9/25 at 5:02 pm
Posted on 8/9/25 at 5:02 pm to Mingo Was His NameO
quote:
You’re one financial event from having to pull your kid out of private school or having to choose between that and your mortgage.
No im not...again I have savings and a good bit in my 401k plus my wife has a savings we just choose not to touch. Even on top of those we have a few lifestyle choice we could shed before we got to things like that.
I just wish I had 4 digits after all the bills were paid each month to play with/invest...but not there right now.
I'm in a frustrating place for how much I work but no where near as dire as what you typed
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