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Put another $1,500 towards the RV.
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May 5, 2020 18:00
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Do you have a budget? It sounds good that you're paying down the RV. Are you doing any retirement savings?
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May 5, 2020 21:04
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n8r posted:Do you have a budget? RV Debt Update: The dealership changed their minds after inspection and will be buying the RV outright. They'll be writing us a check for $9,000 and our 10-day payoff is $8,617. They want us to go in Friday to do all of the paperwork. I'm confident we could get more with some time, but the debt being gone is more important to me right now. The 2.5% 100% match 401k (wife's income) is the retirement savings right now, and we have a 401k from my wife's previous job. Roth IRA contributions will be planned for in our 'permanent' budget though. We haven't been following a budget since this Coronavirus isolation since we've just been staying at home doing basically nothing besides working (wife works from home now), but I'll be making one this weekend now that the RV is nearly gone. I'll post it. Knyteguy fucked around with this message at 17:50 on May 26, 2020 |
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May 26, 2020 17:46
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If you were Zaurg you'd be getting screamed at for not saving enough for retirement. Plan accordingly.
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May 26, 2020 18:06
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Without zaurg here to be the forums' punching bag, he gonna get yelled at big time
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May 26, 2020 21:04
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Knyteguy posted:... the retirement savings ... will be planned for Get your head out of your rear end, Knyteguy. btw I'm straight up pummeling personal finance into submission since selling my old albatross of a house 1 year ago. Net worth from 151k to 195k in the past year. Maybe your sale of that RV can help catapult you into... well wherever you want to be.
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May 27, 2020 07:19
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zaurg posted:Get your head out of your rear end, Knyteguy. Shut the gently caress up Zaurg.
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May 27, 2020 12:45
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Duckman2008 posted:Shut the gently caress up Zaurg. This is correct. Also tase you're balls.
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May 27, 2020 15:25
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Keep focusing on your financial successes.. but def start dumping as much money into retirement as possible.
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May 27, 2020 18:47
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oh that's fun there's a notice when multiple people report a message, i never noticed that before
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May 27, 2020 19:13
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Thumbtacks posted:oh that's fun there's a notice when multiple people report a message, i never noticed that before I've seen it probably for reporting the same poster that others have.
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May 27, 2020 20:02
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Lol Zaurg is such a tool he posted a PYF thread of his own posts and he's the only poster.
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May 28, 2020 12:57
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KG glad you got rid of the RV, that's a good, concrete step. Now budget.
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May 28, 2020 14:26
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BloodBag posted:Lol Zaurg is such a tool he posted a PYF thread of his own posts and he's the only poster. To be fair, that forum is PMF where only the OP is allowed to post in each thread. Not that he isn't a tool who huffs his own farts and revels in his minor infamy.
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May 28, 2020 15:57
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LeafHouse posted:To be fair, that forum is PMF where only the OP is allowed to post in each thread. How will I ever recover? I didn't know we had a
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May 28, 2020 17:11
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Knyteguy posted:RV Debt Update quote:The 2.5% 100% match 401k (wife's income) is the retirement savings right now quote:We haven't been following a budget I look forward to reviewing the budget, let's make use of the stay at home time to really get your ducks in a row so that when you're both back to commuting, working, etc. you don't have to struggle to find the time to do the effort stuff then. zaurg posted:Get your head out of your rear end, Knyteguy.
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May 29, 2020 03:08
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The RV loan is paid off, the paperwork is signed, and we should be getting a few hundred back. What a relief that's finally over with. I'm having some trouble budgeting right now; we've had a lot of medical bills this month and I need to plan for retirement and also getting us in a home we own next year. We'll tackle the truck after we buy a house. We need $20,000 for a down payment, and I need to figure out what our comfortable affordability is after retirement contributions. Plus location etc. Max out 2 Roth Ira contributions and keep the 2.5% 100% match? Is that enough?
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Jun 11, 2020 23:03
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How much money are you going to need in retirement? You need to start with that number and work backwards.
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Jun 11, 2020 23:40
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To be clear, this means "income" per month (or year).
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Jun 11, 2020 23:44
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KYOON GRIFFEY JR posted:How much money are you going to need in retirement? You need to start with that number and work backwards. I have no idea. Depends on if the house is paid off I guess. e: trying to figure it out Knyteguy fucked around with this message at 00:17 on Jun 12, 2020 |
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Jun 11, 2020 23:45
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Knyteguy posted:Depends on if the house is paid off I guess. Exactly. This is why the question is being asked.
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Jun 12, 2020 00:33
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Why do you have to buy a house?
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Jun 12, 2020 02:51
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nikosoft posted:Why do you have to buy a house? Gotta have debt.
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Jun 12, 2020 02:52
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nikosoft posted:Why do you have to buy a house? We don't "have" to buy a house, but it fits our lifestyle well. I want my son to be able to grow up in a community and set of schools, and not have to move around. Plus rentals are expensive as poo poo here ($2,000+ and rising for a 3BR in a place with even OK schools) and we need the room now that my wife and I both work remotely for the foreseeable future. https://www.rgj.com/story/money/business/2019/05/20/rent-control-reno-apartment-evictions-rent-hikes/3672442002/ e: and beyond that a large myriad of reasons that are non-financial. As I said it fits our lifestyle well. Knyteguy fucked around with this message at 15:39 on Jun 12, 2020 |
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Jun 12, 2020 15:32
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People are going to shred you for wanting to buy anything for "lifestyle" reasons. Do the math and prove to yourself that owning a home makes sense. If rentals are that expensive, it should be pretty easy.
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Jun 12, 2020 16:41
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The head has taken a wrong turn regretfully moving deeper into the rear end and at this point may be insurmountable.
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Jun 12, 2020 16:49
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My Rhythmic Crotch posted:People are going to shred you for wanting to buy anything for "lifestyle" reasons. Do the math and prove to yourself that owning a home makes sense. If rentals are that expensive, it should be pretty easy. I think the only reason to buy a home is for lifestyle reasons. Financially it can and often does make sense, but the responsibility of owning VS renting (repairs, time, etc) can definitely make it a wash, especially if you don't enjoy those things. I've been reading on this stuff for years (do never buy). As far as calculators go, it's cheaper to buy a house in Reno even at the tip top of our potential house budget, while assuming we can get a decent deal on rent.    That's with HOA, 8.0% closing costs, 6.5% [NYT calc @ 7%] year over year stock returns (ignoring the fact that $40,000 of the down payment won't exist without a house), rent appreciation much lower than it has been, and home appreciation much lower than it has been. There are of course always unknowns that could happen. I've read all the articles from financial bloggers and used all of the calculators dozens of times, etc.
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Jun 12, 2020 17:59
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zaurg posted:The head has taken a wrong turn regretfully moving deeper into the rear end and at this point may be insurmountable. 
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Jun 12, 2020 18:19
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zaurg posted:The head has taken a wrong turn regretfully moving deeper into the rear end and at this point may be insurmountable. turn on your monitor you loving idiot
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Jun 12, 2020 18:24
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Gold
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Jun 12, 2020 20:49
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He's talking about buying houses again hahahaha. I remember the first time I posted in this thread I was learning how to be better with my money and trying to help out with what I learned and I increased my net worth in that period of time by 6 figures (without having to buy a house or game some dumb investment.) thanks goons for all the help Knyte keep trying to buy that house that'll solve everything my guy.
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Jun 12, 2020 21:07
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Knyteguy posted:I think the only reason to buy a home is for lifestyle reasons. cool you answered your own question
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Jun 12, 2020 21:43
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Thumbtacks posted:cool you answered your own question What question?
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Jun 12, 2020 21:50
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Knyteguy posted:What question? nikosoft posted:Why do you have to buy a house? Aka buying a house is RV 2.0 Remember how much money you were "going to save" with that plan? And then it was because you wanted that "lifestyle"?
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Jun 12, 2020 22:30
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Gotta spend money to make money.
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Jun 12, 2020 22:42
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DarkHorse posted:Aka buying a house is RV 2.0 The alternative being? Should I make my family couch surf for free for optimal spreadsheets? Hell my Grandma has a spare bedroom. We can afford a house and retirement, fun money, and saving even discounting the likelihood of a house actually being economically beneficial based on my metro area's high rents. I didn't work so hard to this point in my life to never reap the benefits.
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Jun 12, 2020 22:55
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Why do this thread again? Are we that desperate for a weak version of Zaurg? Just buy the house you want, 4% down is all you need so just save up like 4 grand or whatever gently caress outa here who cares.
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Jun 12, 2020 23:26
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Veskit posted:Why do this thread again? Are we that desperate for a weak version of Zaurg? Just buy the house you want, 4% down is all you need so just save up like 4 grand or whatever gently caress outa here who cares. You could take your own advice and unbookmark/stop replying? Are you that desperate for validation and attention that you come in here crazily talking about your net worth going up? We're not joined at the hip homie go make a thread or bragpost if you want. Seems to me you could use some positivity.
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Jun 12, 2020 23:41
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I'm making a point that your dumbass is incapable of listening and had you from the beginning maybe you could have positioned yourself well. You have an opportunity to again but instead you do what you wana do. So gently caress it you go do your thing, and I'll just chill in this thread and make fun of you and the goodwill of goons trying to help you while you ignore them.
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Jun 12, 2020 23:54
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it took you like five years to sell a truck you weren't even using, if you own a house what makes you think you'll be able to keep up with repairs in a timely manner
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Jun 13, 2020 00:11
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