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Slow Motion posted:Do you ever look back at your posts like this and feel ashamed for all the hate you put into the world? A post about feeling shame from Slow Motion. 
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Nov 15, 2013 22:06
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Slow Motion posted:Do you ever look back at your posts like this and feel ashamed for all the hate you put into the world? Do you ever look back on your posts in this thread and go "gently caress me, I'm a colossal goddamn idiot, I'm ruining my future, and I need to change my lifestyle NOW!" You don't, of course. But you SHOULD!
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Nov 15, 2013 22:08
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This thread is infuriating. The amount of obliviousness from the OP is through the roof. Unless he's trolling. That's the only explanation I can come up with.
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Nov 15, 2013 22:18
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He's been trolling for the last ~150 posts, but the thread is real. He has told you his plan, which is to be free of CC debt by the end of December (or whenever, I forget the exact date). Everything after that has been trolling because people keep just laughing at the idea, but that is still his goal.
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Nov 15, 2013 22:47
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I ain't even trolling. I thought about it today and I think I will put rent on a CC and start the new 401k loan process at the end of the month. I'm gonna call it the truffle shuffle. The fact is if I use $4,000 of bonus to start that game I might not have all the transactions clear before the end of the year and USSMICHELLEBACHMAN would go unbanned.
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Nov 15, 2013 23:30
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Why not just take out a payday loan? After all, sacrificing your long-term financial stability for stupid cash NOW NOW NOW is a small price to pay to get someone banned for laughing at how ridiculous your goal was!
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Nov 15, 2013 23:36
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Slow Motion posted:I ain't even trolling. I've never come across a rental place that will take a credit card, and if they do they probably charge a bunch in fees since the card company charges them significant fees to process it. Unless you mean a cash advance, in which case, great idea!
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Nov 16, 2013 00:15
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Inept posted:I've never come across a rental place that will take a credit card, and if they do they probably charge a bunch in fees since the card company charges them significant fees to process it. Unless you mean a cash advance, in which case, great idea! I just checked and the fee would be $56 for running it on a CC. Uhg. That's too much for an internet victory.
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Nov 16, 2013 00:28
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Slow Motion posted:Do you ever look back at your posts like this and feel ashamed for all the hate you put into the world? I can tell you've been in a toxic relationship, because you are very good at selectively responding to things, focusing on side issues, and deflecting responsibility. You're still in your marriage. You're not out yet. This is merely one of the later stages. Maybe. Divorce isn't finalized, and we're not sure if you're still having sex with her or not. This could turn out to be an early "acting out" phase of decades more with your current wife.
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Nov 16, 2013 00:30
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When he talks about 'cleaning lady' that is his wife. He gives her money to clean his house now (and probably still has sex with her)
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Nov 16, 2013 00:44
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Old Fart posted:I can tell you've been in a toxic relationship, because you are very good at selectively responding to things, focusing on side issues, and deflecting responsibility. You scare me, friend. I have not had sex with my ex in over a month  . Neither have I spent any appreciable time with her since then. I'm 100% up to date with divorce filings. It's still Amicable and December 14th remains the earliest possible date to finalize. As I've said the $10,000 in tax advantage has me requesting January 2nd.To your observation about selective response all I can say is that I don't respond to haters. Cause they're just gonna hate anyway. As for responsibility I guess we'll see. Either I'll handle my poo poo or I wont. I think my plans are sound, if unconventional, and offer the best financial outcome given that I'm not going to stop going out or living in my apartment. Those outcomes include first getting out of CC debt, and later repaying my 401k.
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Nov 16, 2013 00:45
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Slow Motion posted:As for responsibility I guess we'll see Yea, I guess "we'll see." I'm amazed this situation isn't more of a wake up call for you. Great, now I've become my father. See what you've made me do, Slow Motion?
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Nov 16, 2013 00:48
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WampaLord posted:
Sorry for that! But seriously. It was, and continues to be a wake up call. Here's a graph. Important dates: I left my wife in April. I made this thread in July. I'll be fine. 
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Nov 16, 2013 01:09
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This is the most worthless graph I have ever seen. Your baller job is allegedly being a financial advisor or Vin Diesel from Boiler Room only not as buff or whatever, and this is the kind of work product you poo poo out? 
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Nov 16, 2013 01:19
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Slow Motion posted:To your observation about selective response all I can say is that I don't respond to haters. Might as well quit responding then, because you apparently loathe yourself with your behavior.
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Nov 16, 2013 01:23
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Bisty Q. posted:This is the most worthless graph I have ever seen. Your baller job is allegedly being a financial advisor or Vin Diesel from Boiler Room only not as buff or whatever, and this is the kind of work product you poo poo out? Nothing is labeled; I don't even know what the axes are trying to tell me.
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Nov 16, 2013 01:27
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SpelledBackwards posted:Nothing is labeled; I don't even know what the axes are trying to tell me. I guess this explains why slomo never hits the bonus targets he has in his head? 
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Nov 16, 2013 01:28
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What does that chart represent? If you don't want help and tough love advice, why did you start this thread? Slow Motion posted:I don't respond to haters. Overall that's a good life policy, but your toxic relationship has made this dangerous for you. You're used to a life of extremes and justifications. You can't really trust your own judgment about other opinions, because of the bad habits perpetuated in your marriage. While I admit the vitriol has increased in recent posts, from where I sit it's because you've ignored or brushed off perfectly good advice. To you, someone saying, "Hey, maybe it's time to buckle down and get a reasonably priced apartment and cut down on your bar tabs until you get this under control," is being a hater. And haters gotta hate, didn't read lol. I don't see you taking responsibility for anything. Do you regret your insanely overpriced mattress? All I saw was justification for it. Is that quote about bottle service and wearing pants only once true? If so, you're in with a destructive group of "friends". People here are trying to share the wisdom they've gained through collective decades of mistakes and hard decisions. You're laughing them off because haters gotta hate, right? YOU ARE POOR. CHANGE YOUR LIFESTYLE AND GET OUT OF THIS GIGANTIC HOLE YOU'VE DUG.
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Nov 16, 2013 01:29
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The graph is spending.
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Nov 16, 2013 01:43
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Slow Motion posted:The graph is spending. So, here's the thing. Your average spending, we'll even say since September and pretend like everything before that is due to your ex-wife, is over $4K. Your monthly net income is less than that. SPEND LESS MONEY
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Nov 16, 2013 01:46
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Not to be a dick or anything, because in a way, I used to be you. Only with about half the income. I was making 50K/yr, spending most of it on bar tabs and stupid luxuries that I didn't really deserve. Then the unthinkable happened. I lost my cushy loving job. I had to have my mom pay off my credit cards, moved into my grandfather's rent house and ended up working at my grandfather's shop for just above min wage. All that said, I'm still more of a baller that Slomo, because when I look at my balance sheet, I see: Debt: 0 Assets: 45000 (approx. taxable brokerage + Roth) And I only make about 21K/yr. So, congratulations, dumbass. You're worse of financially than someone who makes 20% of your income.
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Nov 16, 2013 01:53
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Slow Motion posted:Sorry for that! But seriously. It was, and continues to be a wake up call. Here's a graph. Important dates: I left my wife in April. I made this thread in July. I'll be fine. You left your wife seven months ago, and you haven't had sex with her in one month. You've cut your spending in half, and you're still spending more than you make. You're showing improvement, but you're not showing enough improvement to dig yourself out of the giant loving hole you're in. You've allegedly had your wake-up call but you're dragging your feet on getting out of bed!
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Nov 16, 2013 02:08
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Slow Motion posted:Yea, I guess "we'll see." I'm amazed this situation isn't more of a wake up call for you. Sorry for that! But seriously. It was, and continues to be a wake up call. Here's a graph. Important dates: I left my wife in April. I made this thread in July. I'll be fine. [/quote] You do know November is only halfway over, right?
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Nov 16, 2013 02:28
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I think this is a troll. Dude, more gym time, less bar time. And less orange pants, and spending.
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Nov 16, 2013 02:47
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Slow Motion posted:I think my plans are sound, if unconventional... I don't see any method at all, sir.
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Nov 16, 2013 03:10
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I think him classifying people who are telling him to get his spending under control as 'haters' pretty much says everything that needs to be said.
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Nov 16, 2013 03:23
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I cannot believe the title to the thread is loving perfect. I read all 12 pages of this ... trolling. This has got to be a troll right? No normal, sane person is this thick headed. That being said, I understand about bad, bitter breakups. One person wants to show the other person "Look what I have now that you are out of the picture!" We get that. I think everyone has been like that at one point in their life, and yes you have an extremely self destructive habitual behavior with your financials (as well as other things in your life). I guess one of my questions is how can you be involved with finance as a living on any level (corporate or personal) and have your own financials in that much disarray? My wife is very (VERY) thrifty. She manages our finances and does an awesome job at it. I like you, like the good things for the house. The fact that you went out and spend 6K on a bed is bad, but not the worst thing I've read that you did. However, going out and one upping on the box, was kind of dumb. We all make bad financial choices in our lives, no one is perfect, but I think the mindset here (besides a good laugh) is that most of us have been there in bad financial situations, but I think the collective here is that we don't want you to ruin your financial life because we all know how bad it sucks. I read you talking about the weeks that you only bill for 25 hours or so, that you'll put the difference on the credit cards. Why? When your checks are good, why not put extra money in the bank in a few rainy day accounts, and on the weeks your paycheck is lean, you have a backup plan that you can dip in to without racking up CC debt. Never ever ever borrow against your 401K or cash it out. You are not paying yourself like you keep saying when you borrow it, you are not a bank. What really disturbs me is that there is some awesome advice in this thread. My wife and I both read this thread and wished we realized or knew some of this stuff back when we played fast and loose with out credit. No matter what we say, or any advice we give him, nothing will change his mind. I really think this entire thing is a troll. I don't think you'll ever get real numbers out of him or a real budget. If the OP was serious about getting out of debt instead of the "Hey look how much I can blow, gently caress you guys, worship me" attitude the OP has, if the OP listened to just a fraction of this advice, or read mrmoneymustache, the millionaire next door, or reign it in even a bit, they'd be financially fine. OP you are playing roulette with a loaded gun. Correct me if I am wrong, but isn't it the OP's attitude towards money and credit, the same attitude that helped get us into the 2008 credit crunch? You know what they say, if you don't learn from history..... EDIT: Oh and here's some food for thought, My wife has made it possible to pay off over 100K in debt since we bought out house (7 years ago) When we bough our house out total debt was $176K (including the house). No charge offs, no bankruptcy, just hard work and perseverance. It sucks rear end, but it can be done. Oh and we also have 56K in assets..... AND had to replace 2 vehicles (paid CASH for them) and pay a 10K tax bill because of a mistake. So you can do it if you want, you can justify your piss poor habits and denial because it's always easier to stick your head in the sand and your rear end up in the air. A baller? Only in your own loving delusional mind. Gotta say, thanks for being an awesome consumer though. You'll be one of the people that works until the day that they die because you cannot get out of your own way. Have fun with that. I'm chalking this up as a great read, some funny trolling, and some great financial advice. Death From Above fucked around with this message at 05:51 on Nov 16, 2013 |
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Nov 16, 2013 03:52
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Slow Motion posted:I have not had sex with my ex in over a month I know this isn't the most relevant thing, but why the gently caress are you counting?
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Nov 16, 2013 05:28
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That thing I quoted was a joke. It's a Slow Motion version of a Tyler Durden quote.
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Nov 16, 2013 05:54
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Slow Motion posted:I’m 27 year old man and I’ve got problems with money. Bullshit, dude. Bullshit. Get real. Since all the sticks aren't working, have a carrot: you are in an awesome position to be completely financially independent at a young age, but only if you get your poo poo shorted out. Your net worth could be growing, compounding and rewarding you instead of punishing, controlling and shaming you. Or you could just Slow Motion posted:blissfully stick head in the sand.
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Nov 16, 2013 08:49
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I've never seen anyone switch so rapidly between bragging and demanding pity before. You write these dumb, soppy interpretations of your relationship with your ex-wife then try to play cool about how you have everything under control. These states of mind completely contradict one another, which is why you are receiving neither pity nor respect. The moral of the thread is that you continue to buy dumb poo poo because you feel like you "deserve" it, and, well, you're right - you're getting exactly the life that you deserve. Imagine this empty life of yours, for the next fifty years. How's it sound?
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Nov 16, 2013 16:39
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No Wave posted:Imagine this empty life of yours, for the next fifty years. How's it sound? Coincidentally, I also suspect that "awesome" is his opinion on PUA. Slow Motion: Where do you stand on pickup artistry?
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Nov 17, 2013 04:41
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Frankly if he had gotten into PUA, he'd be doing better.
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Nov 17, 2013 05:48
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i like nice words
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Dear slomo: Thanks for this thread. Despite being in significantly better financial shape than you, I realize that paying for my car (not to mention parking and insurance) that I hardly drive just to feel good about it being in a garage when I want it is completely loving stupid.
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Nov 17, 2013 09:35
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My husband and I combined make 1/3 your salary and I feel like we're doing considerably better financially than you. I have never felt like we were better off financially than ANYBODY until now. Thanks for making me appreciate my situation! But seriously dude. I think you ought to have a good heart-to-heart talk with yourself about why you are struggling with so many things. You are in a very unique situation that almost everyone would be jealous of - you're single and have the potential to make more money in 3 months than the average person makes in a year. Hell, if you just reign it in for a while, you could retire very soon. Like, by the time you're 35. Never have to work again. Your spending habits are the manifestation of some deeper troubles that you're having. And I think that's true for most if not all people who are in a situation like yours. I hope you can figure out a solution that works for you and will secure your future.
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Nov 17, 2013 17:12
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USSMICHELLEBACHMAN posted:
Anne Whateley posted:Frankly if he had gotten into PUA, he'd be doing better. Bisty Q. posted:So, here's the thing. Your average spending, we'll even say since September and pretend like everything before that is due to your ex-wife, is over $4K. Your monthly net income is less than that.
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Nov 19, 2013 19:28
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Slow Motion posted:
I'm too lazy to go back & look at all your posts right now, but isn't your bonus dependent on a number of actions (like working extra hours, increased certifications) that you haven't really taken so far?
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Nov 19, 2013 19:34
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April posted:I'm too lazy to go back & look at all your posts right now, but isn't your bonus dependent on a number of actions (like working extra hours, increased certifications) that you haven't really taken so far? SloMo, you need to cut back on spending. Even a little bit so you are under 4.2k consistently would be good. Id also suggest using your debit card vs credit card for expenses. You're paying out the rear end for nothing, you don't get bonus points when you're carrying a balance - well you do, but they're meaningless as you're paying out more than you're making.
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Nov 19, 2013 19:41
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SiGmA_X posted:SloMo, you need to cut back on spending. Even a little bit so you are under 4.2k consistently would be good. Id also suggest using your debit card vs credit card for expenses. You're paying out the rear end for nothing, you don't get bonus points when you're carrying a balance - well you do, but they're meaningless as you're paying out more than you're making. I agree on all counts; After removing the work I had done on my car to get it ready for sale I've been under 4k the last two months in a row. By the way I found the last part I need to sell the car so that's gonna happen in the next couple weeks. As for bonus chat: I certainly have been finding it super hard in the last few months to bill a reasonable number of hours. My payouts through June were a little over 15k (pre-tax). I checked yesterday and I'm at 6k (pre-tax) in the second half of the year. That's really the single biggest place that I feel I need to get my head in the game. If I consistently billed 50 hours a week I could be pulling in 10k cash take home after taxes in salary + bonus. Here's another graph. In May I billed 230 hours and in July 96. 
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Nov 19, 2013 20:12
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Slow Motion posted:You're not good at math. My monthly cash take home after all retirement savings and things is $4,240. Add on to that an average after tax bonus of $2,000. If I only spend $4,000 for the next six months I'll be sitting pretty. Everyone in this thread continues to echo the same advice to you, which is to SPEND LESS MONEY. Your failure to do so is the root of all your problems.
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Nov 19, 2013 20:29
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