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i plan on being potting soil by then....
linky no worky....I could do this river:
Mrs. Stoney needs to read my thread:
http://ridemonkey.bikemag.com/threads/exiting-the-rat-race.271154/
Is Thing 2 really that big of a budget buster? For us we already had the larger vehicle, knew we were ending up with a larger house (although what we got at ~3250 sq ft is not extravagant, imo), and the extra child care costs are really just lost in the noise of larger debts to service.
For me what helped the most was to set up a long term costs spreadsheet. What's fixed and long term, what's going to disappear or appear in the next few years, and what is the projected net worth trajectory given these planned expenses against expected income. This was how I convinced myself that I could afford this house. Numbers, I tell ya, magic like magnets.
http://ridemonkey.bikemag.com/threads/exiting-the-rat-race.271154/
Is Thing 2 really that big of a budget buster? For us we already had the larger vehicle, knew we were ending up with a larger house (although what we got at ~3250 sq ft is not extravagant, imo), and the extra child care costs are really just lost in the noise of larger debts to service.
For me what helped the most was to set up a long term costs spreadsheet. What's fixed and long term, what's going to disappear or appear in the next few years, and what is the projected net worth trajectory given these planned expenses against expected income. This was how I convinced myself that I could afford this house. Numbers, I tell ya, magic like magnets.
Demoralizing is watching the ever expanding tent cities of homeless growing around your home, while $1.5m housing is also going up. Seeing more and more street begging and tents around your office, while you listen to your boss talk about his Tesla, buying one kid a horse, and another kid a condo, then getting a corporate email about how the plastic utensil usage is too high and we need to cut back right after we just had a workforce reduction that probably saved the company nearly a million dollars per year in payroll.
My mind spins.
careful with all that liquid, someone might come after your precious bodily fluids
Like I said - it's a balance. Sounds like you two will balance each other fairly well.
My wife & I? We're on the same page. Get rid of the kids and the mortgage, downsize to somewhere nice, and enjoy things. If that involves me working in a ski/bike shop, all the better.
We have minimal debt: the house (fixed 4%) and $2500 on the Subie (at 1.99%). I have a Financial Plan put together already.
It's lifestyle things that add up amazingly quickly. Dinner/lunch out 2-3x per week - $150-200, Skiing related expenses (including ski school and rentals) $2500/year, travel to CA - $5000/year (starting), etc. I could probably cut $400/m out of our expenses, but that puts in a lot more effort than Wifey wants to do. I know what our balance sheet looks like and we're pretty lean when it comes to wasted money.
You underestimate how decrepit we are all going to be at 55, much less 62. That's an important lesson I've learned in my 40's.
That's gonna change, sooner than later. You won't be talking to / hearing from / meeting your boss directly, his class will be divided from your class with a thick glass wall.
Bernie!
Keep it up, kid!You underestimate how decrepit we are all going to be at 55, much less 62. That's an important lesson I've learned in my 40's.
. I should probably be having that conversation with someone. At this point my financial saavy has not graduated much beyond staying in the black for the monthly budget while putting money away in both savings and a 401K. I would imagine sooner would be better than later; gonna have to pick your brain about that at some point here Stoney.
Me and wife spent some non-trivial money on vacations doing lotsa traveling, hiking, horse riding etc. As a result, we know the US better than 90% of muricans, and have great memories from most of the worthy national parks. Now after a few injuries / surgeries / deteriorating health coverage & services in our late 30s., we just cannot do the same any more. That ship has sailed. Life's about more than dying in comfort.That's an important lesson I've learned in my 40's.
They key question is whether with these expenses are you saving enough to meet your target. If so but there's no wiggle room then that answers whether a Q7 is a good idea. If you have extra room in the budget.
Also keep in mind the flip side, of what increased happiness those expenses bring you/her/kiddo. Again, I'm not advocating for the Q7 here as cost >> benefit, IMO.
I snowboard. I can only do so much for skiing.
this times a hundred million....i could live quite happily nearing my golden years someplace beautiful in a camper and working.My wife & I? We're on the same page. Get rid of the kids and the mortgage, downsize to somewhere nice, and enjoy things. If that involves me working in a ski/bike shop, all the better.
Yeah. Food adds up way fast. I was trying to build muscle mass last year, and ended up eating quite a bit. It worked. I ended up not keeping up with that program, lost what I gained, but my food bill moved buy hundreds a month.
If the thick glass wall is shaped like his ass, his head is already there.
lol. I mean "sliding on snow," asshole.
Between food and dining, for the three of us, we're at about $1600/m. That can be cut, but we don't really throw away a lot of food/leftovers. We're pretty efficient with that, probably because I grew up (until my teens) relatively not well off. Waste is not something that I do.
I've got her a leash and edgie wedgie to help, but she's only on J-turns. Once she can do S-turns, I'll be able to take her out to the real mountain and skip lessons.lol. I mean "sliding on snow," asshole.
I bought my house almost twenty years ago for about half of the mortgage I was approved for. It is a decent place, I could have easily gotten something bigger and nicer a long time ago but I didn't see the point. Living well under my means has given me a lot of freedom and allowed me to do some pretty interesting shit.
You know the fitness you attain now if minimally maintained will benefit you well into your 60's. Not many folks sit around and do nothing as they age anymore. Well they do. Its a hell called Florida.
Just take her to the Kokomo and Lumberjack lifts at Copper. And make your wife do it.
This. What the fuck? Didn't you get hit a few years ago too?
Fuck all of you and your fucking money. It's national beer day. All I need is enough scrilla fo a 40.
Resurrected my first ever mtb (16+ year old Trek 6500) as a commute bike and rode into work this morning.
Resurrected my first ever mtb (16+ year old Trek 6500) as a commute bike and rode into work this morning.
Boss from my old employer asked me to hold on to my laptop so I could answer questions that popped up. Been handling a few questions a week, no big deal. I asked him to make sure no one would be upset that I did not ship my stuff back, sent the same message to his boss. Just got a nasty email from the IT person asking where the hell my laptop was. That being said, shit is on the next UPS truck and the next time they have a question Ween can best provide the answer
Piss up a rope and feel the pissy dribble
Piss up a rope and watch me giggle.
Piss up a rope and feel the pissy dribble
Piss up a rope and watch me giggle.
This is the third time.
Dumbass turned the wrong way down a one way street and into me as I was waiting at the light.
It's always new bike time, also - from what I have read of your postings on teh monkey, your life style seems extravagant to me. Just sayin' not judging.
Just a front wheel.
