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Posted on 10/7/18 at 7:47 pm to heypaul
That's cool and I could do the same but it's not as smart as you think it is for a lot of reasons.
You're missing out on free CC points that can be used as cash
Everyone should have credit and credit cards at the very least for emergency purposes
You have missed out on one of the greatest market runs in American history where you could have easily beat any reasonable loan interest rate
etc...
Just saying that some people need to live by the Dave Ramsey method you are because they are financially retarded but it's actually not as brag worthy as you think it is.
You're missing out on free CC points that can be used as cash
Everyone should have credit and credit cards at the very least for emergency purposes
You have missed out on one of the greatest market runs in American history where you could have easily beat any reasonable loan interest rate
etc...
Just saying that some people need to live by the Dave Ramsey method you are because they are financially retarded but it's actually not as brag worthy as you think it is.
Posted on 10/7/18 at 7:50 pm to stout
One of my cars is 0.9% the other is 1.9%
I can do better investing that money than buying the car outright.
I can do better investing that money than buying the car outright.
Posted on 10/7/18 at 7:51 pm to Cosmo
But then you can't brag on TD that you follow Dave Ramsey's advice
Posted on 10/7/18 at 7:56 pm to stout
quote:
they are financially retarded but it's actually not as brag worthy as you think it is.
so maybe you're right?
but I like to tell people what your grandmother told you, save for a rainy day and live on less than you make.
that way when you're old you are set!
but
but
but
consume consume consume
right?
Posted on 10/7/18 at 7:59 pm to heypaul
Are you 16?
Posted on 10/7/18 at 7:59 pm to heypaul
Fail
Posted on 10/7/18 at 8:00 pm to heypaul
You pay cash for your house too?
Posted on 10/7/18 at 8:03 pm to heypaul
quote:
so maybe you're right?
but I like to tell people what your grandmother told you, save for a rainy day and live on less than you make.
that way when you're old you are set!
but
but
but
consume consume consume
right?
You do realize you can still save doing the things I said? In fact, you will actually save faster putting that cash in a safe dividend paying mutual fund or something while taking out a low rate on the vehicle.
Posted on 10/7/18 at 8:04 pm to yellowfin
quote:
You pay cash for your house too?
almost
but the thread specifically says I've never had a car payment.
that's the focus...
my house will be paid off in short order.
Posted on 10/7/18 at 8:28 pm to heypaul
I have 4 of ‘em every month
Posted on 10/7/18 at 8:38 pm to heypaul
Dawg this is sad
Posted on 10/7/18 at 8:39 pm to AU_251
quote:
Dawg this is sad
I grin because I'm living the good life.
Posted on 10/7/18 at 8:39 pm to heypaul
I have not. 3 vehicles so far, not sure I'll be able to do that for the next one though.
Posted on 10/7/18 at 8:52 pm to heypaul
quote:
heypaul
Amusing combination of ignorance and arrogance.
Posted on 10/7/18 at 9:02 pm to Billder
quote:
Amusing combination of ignorance and arrogance
Am I wrong?
Posted on 10/7/18 at 9:03 pm to heypaul
Yes. We have already pointed out how you are wrong.
Posted on 10/7/18 at 9:04 pm to heypaul
quote:well played, troll. If you aren't trolling, god help you. Hopefully you are young.
Ask any millionaire if they've ever had a car note? Or borrowed money to build wealth.
Posted on 10/7/18 at 9:07 pm to heypaul
Yes.
I am assuming you max out the Roth?
If not it should be above a taxable mutual fund.
And I’m assuming the bulk of the Roth is in equities, with only a portion conservative for the emergency fund.
/moneyboard
/feedingthetroll
I am assuming you max out the Roth?
If not it should be above a taxable mutual fund.
And I’m assuming the bulk of the Roth is in equities, with only a portion conservative for the emergency fund.
/moneyboard
/feedingthetroll
This post was edited on 10/7/18 at 9:08 pm
Posted on 10/7/18 at 9:08 pm to heypaul
quote:
Am I wrong?
Absolutely.. if you don’t realize that by all the responses you have already received, I’m not going to waste my time with you.
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