Floyd Eye
Well-known member
Point 4. Kimmel has less than half of the viewers and way less than half the ad revenue he did 6 years ago. You queers just constantly need a new thing to blame Trump for.
R
Robostyle
Well-known member
This checks with JK's past behavior, did not know about the double down.
Findthetone1
Well-known member
You seem angry. Run out of lube last night?
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Stumplegriltskin
Well-known member
Good for you. What's retirement? I have a 18 year old and a 26 year old who just had a baby. I try to help out my kids as much as I can. They both work, but my older daughter spends $2700 a month for a 1 bedroom apartment. Here's what I spent in the last 2 months.
3k dental expenses - after insurance
10k used Subaru for my son. He put down 5k
$2500 month mortgage
$800 gas bill (their supposed budget plan)
and I could go on and on.
Ask me how the fuck I'm supposed to save anything? Getting killed left and right.
Findthetone1
Well-known member
Imagine your anger had it been the Hamburglar
KIRK'd ...
Findthetone1
Well-known member
Sooooo, you're angry at the President because you spend your money supporting your adult children therefore don't have any. Got it
Stumplegriltskin
Well-known member
No I'm angry at the president because the government steals 1/3 of my paycheck. Get killed with insurance costs. Again, what has he done for the average blue collar worker? NOTHING.Sooooo, you're angry at the President because you spend your money supporting your adult children therefore don't have any. Got it
What happened to getting rid of the income tax? Every word that comes out of his mouth is BULLSHIT.
So stock are good. That's just fucking grand. I know people that have 200k incomes that are getting killed. Most of the people in this country don't have a month of income set aside for emergencies. That's a fact. Look, I'm not trying to argue with you man. I'm an idiot, I admit it. I could have done things differently when I was younger. But at 54, it's too late. 2 financial idiots in my household that don't know how to manage money. I'll admit that. Started on the Ramsey plan, but it's too fucking late. Every single time I have $1000 to put away, something happens. Dental Crown, car repair, house repair. It just never fucking ends.
The only way to make out is if you started with an index fund when you were 25 and max it out each year. I wish I did that. But I didn't. My retirement plan is going to be a bullet in my head, and I'm not kidding. That's where I'm at. But according to the government and my income. I'm wealthy.
Stumplegriltskin
Well-known member
Bye bye you fucking cunt.Sooooo, you're angry at the President because you spend your money supporting your adult children therefore don't have any. Got it
Findthetone1
Well-known member
You sound like you should see someone for therapy. That's not a dig. Just a friendly suggestion to help your stress.
See above comment.
rsm
Well-known member
whining, sniveling and complaining isn't going to help your financial position.
living below your means, saving and investing until it hurts, and educating yourself on how finance and investing works, etc. are more effective.
My net worth hit several record highs this year; doing so well that I retired 6 months earlier than I planned.
I'm living off investment income for the next few years (to minimize taxes) before I take my social security, and I'm finishing up buying my toys for retirement including a used custom motorcycle, new Yamaha Montage M8x workstation and three new EBMM guitars....on top of what I've been buying the last few years in preparation for my early retirement...
...I'm also still paying my mortgage, alimony and child support, my own medical coverage, and my kids college costs...
I was able to do this because I made investment plans, saved/invested money for my kids college, saved/invested money for my retirement and hobbies, educated myself on finance and investing, lived below my means, etc. I also have a 24-month emergency fund in high yield savings cash.
If you're not doing well financially in this economy, since 2008, that's on you.
rsm
Well-known member
rsm
Well-known member
That should work out well for you. SMH.
I have people that depend on me; including myself. Giving up / surrender is not an option. I don't share personal issues my family and I are dealing with. I may lose or win in the end, but if I give up / surrender I absolutely lose. As long as I'm still breathing, I'm not going to let that happen.
G
Geo
Well-known member
The Blazing Saddle
Well-known member
MadAsAHatter
Well-known member
Since you're posting on a public forum, let me give you some unsolicited observations/advice.
From all your posts you're presenting yourself as someone who wants to blame their problems on someone else, wants a quick fix for everything and have everything handed to them on a platter while putting forth zero effort. You have life issues to deal with; congratulations so does everyone else. But there's a big separation. One camp; which you appear to fall into, just wants to piss, moan, and pass blame. The other camp looks at the situation, says well crap this sucks, how do I make it better, then works toward making it better. You can apply that to finances as well. You can piss and moan that the government isn't putting money in your pocket. Let's face it, when has relying on the government for survival ever worked out well for anyone. The other side is to say this is not meeting my minimum comfort level for financial stability. Then decide where you want to be and work through all the hardships to meet that goal.
You have bills to pay and unexpected events that rear their ugly head. Do you think having my house flooded with 5+ feet of water, then standing in my driveway looking at every single thing I (and my wife) ever owned in a big wet pile of debris completely ruined; followed by months of us sleeping on other's couches because he had no home to live in... do you think that was on my life bingo card? You want to talk about setbacks. This is likely at the top of the list for major setbacks. At that time I hardly had anything put away for emergencies. Did I just cry about it and expect someone else to bail me out? Nope, I adapted and did what I had to do to rebuild my house; and basically my life, to where it was and keep pushing forward to get where I wanted to be. It took work, time, and other hardships; and it was a major pain in my ass the whole way through, but I made it through.
You mentioned you're supporting your adult kids. How do you expect to help them the way you want when you're not even working towards the position you want to be in yourself. That 10K you gave for your son's car could have gone to stabilizing yourself and getting ahead. Sometimes you have to tell people "as much as I want to help I can't afford it." Your kid probably could have managed for long enough with a 5k car of his own money vs the 15K one. But from how you put it, you took from your own foundation; which you couldn't afford, to give to him. That didn't do you or him any good.
My point being, you are the one who's in charge of your life; no one else is. Crying about life's not fair and looking to someone else to make things better isn't going to get you anywhere. Suck it up, do what you need to do, and move the needle. I'm not saying there won't be more pain in the ass hardships along the way, but if you adapt and persevere you'll come out better in the end. Make reasonable goals and do what you need to work towards them. Once you stop blaming others for life not being fair, stop looking for handouts (government or otherwise), and start putting forth the effort you'll realize it's actually easier and won't take as long as you think to get to where you want to be. And it doesn't really matter how old you are, it's never too late to start.
Since you've read Dave Ramsey's stuff, it really is like his motto... Live like no one else so you can live and give like no one else. I take that to mean make the sacrifices, work through the discomforts & hardships even when it seems like your making no progress, and chip away at everything to get yourself where you want to be. After all the work you put in you'll have done well for yourself and be able to help others [family] to build ground without taking away from what you have build. And like I said it's never too late to start.
Findthetone1
Well-known member
rsm
Well-known member
I was concerned about coming off as a "humble brag", but my goal was to show it's possible. I came from modest means, went to a 2-year state tech college close to my parents house, I worked 2-3 jobs to pay for my college and books; got a job in IT when I graduated, and used the company's education reimbursement to go to night school at another state university; and lived in a musty basement studio apartment close to work and even closer to my night school...and I was also playing in bands.
As @MadAsAHatter said it's a mindset. Are you a maker or a taker? Makers assess their situations to make the best of whatever happens vs takers are always victims of their situations which are always somebody else's fault, and expect others to help them.
If you're an adult man, if you don't do it for yourself no one will. Unlike women, single mothers, and children, there is no public safety net for adult men...that's why most homeless people are adult men. No one cares. Most of the people that do care about us only care because we provide value to them...stop providing value to them and watch most of them disappear.
I saw the original Star Wars movies in theaters when they were first released; this always stuck with me:
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Findthetone1
Well-known member
I have not had any financial windfalls in my life and there are certainly struggles. To be honest, I am pretty fearful of my next 20 years, financially speaking. But we all pave our own path and the struggles are of my own doing and mine only. You'll not find me screaming at the sky or blaming the President.I was concerned about coming off as a "humble brag", but my goal was to show it's possible. I came from modest means, went to a 2-year state tech college close to my parents house, I worked 2-3 jobs to pay for my college and boogs; got a job in IT when I graduated, and used the company's education reimbursement to go to night school at another state university; and lived in a musty basement studio apartment close to work and even closer to my night school...and I was also playing in bands.
As @MadAsAHatter said it's a mindset. Are you a maker or a taker? Makers assess their situations to make the best of whatever happens vs takers are always victims of their situations which are always somebody else's fault.
If you're an adult man, if you don't do it for yourself no one will. Unlike women, single mothers, and children, there is no public safety net for adult men...that's why most homeless people are adult men. No one cares. Most of the people that do care about us only care because we provide value to them...stop providing value to them and watch most of them disappear.
I saw the original Star Wars movies in theaters when they were first released; this always stuck with me:
rsm
Well-known member
I'm not a financial expert, but I'm doing ok in my own self-assessment. I don't give financial advice, but if you break it down, there are a few investment categories in my simplified view:
Aggressive growth - high risk, high reward
Growth - lower risk, lower reward
Aggressive income - high risk, high reward
Income - lower risk, lower reward
Low-risk income - e.g., high yield savings accounts
I have investments in all 5; and still rebalancing into Aggressive Income / Income, but only a small portion of my total (well under 10%).
Each category maps to my different financial objectives. This model keeps it simple; if I have extra $ I don't need for living expenses, it goes into a growth category; if my cash is low, it goes into low risk income; if I need more $ for living expenses, it goes into Income generation categories.
I have my preferred investments in each category; but in the past I've also invested in balanced investments that combine Growth and Income, which is a good place to start investing; 1) you have growth which is key to increasing wealth; 2) you have income, that you can reinvest in generating more growth, more income or both.
Once your balanced investments are "large" you can rebalance into investments for pure growth and/or pure income. For most of my investing time, most of my investments were in Aggressive Growth / Growth, and still are, and still will be; however, once I was near 5-years from my planned retirement, I focused on finding investments for Aggressive Income and Income, which is how I will replace my work salary (done), and exceed it (should be completed by the end of 2025)
TL;DR; I simplified my investment strategy / approach, to meet my financial goals and timelines.
