physician wife wants to buckle down on finances (we make 600k a year )
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Poast new message in this thread
Date: May 7th, 2018 11:40 AM Author: Comical poppy stock car
1) your wife shouldn't be listening to dave fucking ramsey
2) wtf is your problem
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#35998495) |
Date: May 7th, 2018 12:11 PM Author: territorial school filthpig
"she's been listening to dave ramsey"
Is this when you first learned she has an IQ no higher than 113?
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#35998696) |
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Date: May 7th, 2018 12:44 PM Author: medicated big-titted keepsake machete
You can’t live on $100k/year?
We have a bigger mortgage, one luxury car payment, other paid off, a kid with $22k/year toward childcare, and we saved $250k on $600k with effective tax rate of 32% combined fed and state. We waste plenty of money on shit and take 3-4 vacations/year.
No kids and lower mortgage means $300k easy.
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#35998986) |
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Date: May 7th, 2018 1:19 PM Author: medicated big-titted keepsake machete
How is this possible that you have a $900k mortgage on a $700k townhouse? Cuz that’s how much my mortgage is and the payment is $4100/mo (not including property taxes of $14k/year). Also don’t see how anybody with a mortgage and property taxes pay more than 25% fed effective taxes.
Our post tax was $383k ($564k agi due to 401k contributions) so we spent ~$133k that year. we are not frugal and have a kid.
So even taking your number of $373k, there’s no reason you can’t save $273k/year with no kids.
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#35999293) |
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Date: May 7th, 2018 1:44 PM Author: medicated big-titted keepsake machete
Ok so let’s assume 4% on $700k, that $28k before deductions.
I still don’t see how his mortgage alone is almost $50k. Maybe he is counting the property taxes in it, which would make more sense.
In any case, I don’t think it’s hard for a DINK to ball out moderately and still save a ton of money on that sort of income.
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#35999494)
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Date: May 7th, 2018 1:47 PM Author: Anal Philosopher-king
Deductions aren't a thing anymore. $10k max and you'll max it out on your state income.
I assume he includes trust account (property taxes, insurance, etc.). So in other words, the amount he pays to his mortgage provider, not just the P+I portion of it.
I agree, but I would say his savings rate should probably be around $200k/year rather than $300k/year, which is probably not going to be achieved without penny-pinching.
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#35999524) |
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Date: May 7th, 2018 7:56 PM Author: medicated big-titted keepsake machete
That has to be a mistake. Assuming you’re paying $60k for your mortgage, taxes and car lease, you’re spending over $8k/mo?
Honestly I think our spending has come down a ton in the last few years because we hardly eat out anymore. We prob spend $100-$150 on dining out (includes take out/delievry) a week. Groceries never cost as much as dining out. I also don’t spend money on lunch. Credit card bills have been consistently under $4000 btwn the two of us.
I bet if you looked at your food costs, there’s prob a bunch you can cut there.
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#36002629) |
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Date: May 7th, 2018 12:17 PM Author: Aphrodisiac rough-skinned locale
nothing really just socking a lot of it away and we splurge on luxury shit occasionally
personal chef, gle 550 benz truck, audi s7, and 2 nice luxury vacations a year
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#35998747)
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Date: May 7th, 2018 3:08 PM Author: vivacious generalized bond
*BOOMER mindset of escalating spending with income*
Would you rather have overpriced cars or put that money in index funds each year and have it turn into a sick beach house for you and your family?
Or give your kids money to get off to a great financial start?
Or retire 5 years early and travel while you're still young?
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#36000314) |
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Date: May 7th, 2018 3:25 PM Author: vivacious generalized bond
LOL he doesn't have to step down to a civic, although I would. You can get an A4 or 328i for literally half the price and that doesn't even include maintenance.
I think the mistake you're making is you assume $30K today is the same as $30K in 10 years or 20 years, or 30 years. Except it's worth 7-10x if you just stick it in index funds until retirement time.
you could also buy an appreciating asset like a vacation home to rent out or a rental property, or an infinite number of other things.
Stick $50K in crypto and roll the dice on other asymmetric investment ops.
Not that he'll ever be hurting, but people wildly underestimate what they'll need for retirement, anyway, given life expectancies and medical costs.
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#36000494) |
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Date: May 7th, 2018 5:44 PM Author: supple state new version
cr
there was a study on tv the other day about how more money =/= more happiness, but rather what the money means to you = more happiness.
in other words:
500k a year can mean nothing if you feel the need to buy expensive cars and watches to keep up.
or
500k a year can mean a ton if you appreciate getting a nice safe car that's under your budget, and maybe 1 or 2 fun watches that cost $200 each.
being in the latter mindset will make you happier.
and then yes, if you must "splurge" do it on a house, which will retain its net worth or go up.
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#36001732) |
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Date: May 7th, 2018 2:33 PM Author: Wonderful psychic
?? who the fuck cares about retiring when you're old and useless
most olds i see who are over 60 are practically dead, with flesh falling off and decrepit. might as well be literally dead.
might as well seize what little youth you have remaining and not work and do fun stuff while "young" (40 isn't young)
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#35999968) |
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Date: May 7th, 2018 3:15 PM Author: Anal Philosopher-king
I just don't get the appeal. Two scenarios:
1. You have a typical UMC path and you scrounge together say, $1 million and maybe some change. Assume you live to 80. You now have 40 years to live on $1m. That is SPS. Comes out to $25k/year (excluding interest you get).
2. You are unusually successful. Say you scrounge together more like $2 million. Now you have $50k/year (also excluding interest) which is still SPS. This is somewhat sadder because you went from being really successful to sitting on your ass unemployed.
What do you even do? Go be the youngest guy in retirement communities or what? Also, plenty of people live past 80. Do you killself if that's you?
It just seems like a pathetic "dream".
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#36000377) |
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Date: May 7th, 2018 3:23 PM Author: Wonderful psychic
(guy with no life)
I'd spend more time outdoors, with animal doods, in flyover
Yes, there is a life outside of the train tracks in Bed Stuy
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#36000468) |
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Date: May 8th, 2018 7:28 AM Author: Charismatic Mahogany Fat Ankles
be a volunteer park ranger and work my way up to part time status, take up falconry, etc.
Lmao
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#36005509) |
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Date: May 8th, 2018 10:08 AM Author: Stimulating gunner
does she hate her job? the early retirement crowd mostly just hates getting up to go to work ime.
i don't get the retirement at 50 crowd. you're already old at 50. from my current perspective anyways. you can't do anything new at 50 vs 65 can you? and if you've been a company women/men for 30+ years, what are the chances you'll do well outside that structure as an OLD? at that point it's good for warding off dementia. ime boomers who've worked until 50 want to continue unless job is too stressful.
if you early retire do it by 30 to 40. then do something cool.
actual 50 year olds have a lot of issues pulling the plug absent some early retirement pension provision - which you seem to have? anyways - that's when healthcare costs jump (until medicare eligibility at 65) and then people just have issues getting off the company purchased health insurance teet.
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#36006091) |
Date: May 8th, 2018 10:08 AM Author: Cyan multi-colored rehab
Dude, with that kind of income you should learn to invest over a several year period - you can probably quit working in 3-5 years if you were seriously frugal
Look into buying a business or some real estate
(http://www.autoadmit.com/thread.php?thread_id=3970321&forum_id=2#36006085) |
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