stonerolledaway

Thanks, I guess it could be filed in court too. It is probably not good to have an heir be the only one who finds it and reads it. If they don't like it the temptation to trash it might be there whereas a court filing would eliminate that. Another option may be putting it in a safety deposit box and...

I have had several unreturned phone calls to do a simple will. Must not be profitable. Anyone know a good honest attorney who will draw it up and keep on file and make sure it gets carried out? Single with siblings only. Thanks....

Ok now whoever agreed to pay a fricking football coach out that long should never ever be allowed in those meetings every again. ...

Tell you what, pay off all debt and see how that feels. If it sucks, please go back and borrow to previous levels. Sometimes its more than what may optimize in the long run. Debt free here for over ten years and there's no looking back. [Proverbs 22:7] "The rich rules over the poor, And the borrower...

Since making the transition to a contrarian, the bigger the panic, the bigger the buying opportunities. This is great because going back to work next week and will be steady buying again. After saying that, I do have some built in cushion by asset allocation of roughly 60% stocks and 40% bonds in to...

It depends on how high financial independence is on your list. IF its high, dump the car notes and mortgage. Reducing expenses is just as good or better than increasing income. It also makes it quicker to match those expenses with investment income. As far as "Jobs are incredibly stable", this is wi...

Good job on being honest, without that nothing will work. It took me way to long to get some sense but the first was the concept of delayed gratification and an honest answer to the question of what I wanted, present consumption and insecurity or delay and financial independence in time. It was not ...

I was but received a modest inheritance which was immediately put toward the principle. Eventually it was paid off, that was over ten years ago....

100% Balanced Index Fund ...

No. Disconnected from emotions years ago. Staying the course as usual. 60% total stock index, 40% total bond index. I have no idea what tomorrow will bring and 60/40 is my comfort level for all seasons. ...

Money is only one reason not to eat out and possibly a minor one. Eating out should be reserved for enjoying company or when take a break from home fare....

Depends on goals, financial independence was high on my list . If so, savings gets maxed and moved into the number one spot. The needs of housing, food, and transportation should be minimized and subservient to number one to avoid lifestyle creep. Only when these are in place and for entertainment p...

Neither imho. Since transportation expenses never end and vehicles are continually in need of replacement sooner of later, I would open a separate account called the car/transportation account. Take half of the original note amount and keep adding in money on top of the proceeds. This way when the 2...

Yes, always pay yourself first, automatic withdrawals are best and max them out if possible. This is the best insurance against lifestyle creep over the years, and for wealth building over time. So, "After your bills are paid" is second to savings, unless you want to be the typical american living c...

Forget the fricken percents if your goal is FIRE. Get the match yesterday, Max roth, then max remainder of 401 if you can or by putting in any raises you get. Get an HSA going if possible. Keep a good running balance in savings to cover emergencies. Put away some each month for car replacement, ke...

"I'm trying to retire in about 3 years". Stay in your paid for house....

Borrowing for real estate is better because it normally appreciates in value but not always, as opposed to idiots borrowing for expensive cars which depreciate every single time. Leverage can work but it is risky not only due to the investment itself fluctuating but also factors can change such as l...

same kind of idiots who buy expensive cars with loans. Why would anyone buy more car than needed with borrowed money? same goes for houses, vacations, on and on..."I've seen more people fail because of liquor and leverage—leverage being borrowed money. You really don't need leverage in this world mu...

vanguard>>>total stock market index fund...

stocks on sale :nana: :dude:...remember, when there's blood in the streets, buy, when there's dancing in the streets, sell, be a contrarian! Or...just stay in course, the only thing you have control over is the fact that you are saving and the cost of investments. ...