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Old 03-18-2011, 11:32 AM  
R8RFAN R8RFAN is offline
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How broke are you?
Instead of hijacking a thread lets make our own...
How far up to your ass are you in debt are you?
How close are you to filing for Bankruptcy.
How many of you borrow from Mom and Dad because you are sorry as hell and have to drive that car that sounds like a pissed off bumble bee?



Let's get it on you broke dick bastards...

It's on


I will start the thread

0 Mortgage debt
0 Consumer debt
0 Car payments

Bills I owe
Directv
Insurance
Taxes
Utilities
Food
and Cell Phone (thanks luv)
Last edited by R8RFAN; 03-18-2011 at 07:28 PM..
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Old 03-18-2011, 10:37 PM   #361
Dunit35 Dunit35 is offline
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I use coupons whenever I see one. Does that make me evil? I'm only 25 and someday I might need that extra money.
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Old 03-18-2011, 10:45 PM   #362
BWillie BWillie is offline
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Quote:
Originally Posted by DaneMcCloud View Post
You should put your money in a tax free Money Market account if you'd like to keep cash on hand.

Also, I'd avoid "paying off your house".

Most likely, it won't earn you 8-10% per year in the market (if not far more - I earned 28% last year alone). Refi the house to where it's "cheap money" and take the excess and invest it wisely with a good financial adviser.

You'll come out WAY ahead.
Im sure you are right but this is just the easiest way for me to see how I can stop working by 40. Im a live to play person, not work to live. If I can make 75k a yr and not really have to "work" based off of the common definition then i will be much happier. If I pay off 4 properties and own them then I can make residual rent out of them at almost 100% profit after maintenance, insurance, taxes, etc. If I dont do that then I won't have a consistent form of steady income without working
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Old 03-18-2011, 10:53 PM   #363
DaneMcCloud DaneMcCloud is offline
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Quote:
Originally Posted by BWillie007 View Post
Im sure you are right but this is just the easiest way for me to see how I can stop working by 40. Im a live to play person, not work to live. If I can make 75k a yr and not really have to "work" based off of the common definition then i will be much happier. If I pay off 4 properties and own them then I can make residual rent out of them at almost 100% profit after maintenance, insurance, taxes, etc. If I dont do that then I won't have a consistent form of steady income without working
Okay Man, but at least look into a tax-free Money Market account. You can write checks and withdrawal money, just as you can with a normal account.

I'm obviously not privy to your finances but it may help you out in the short and long run.
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Old 03-19-2011, 06:34 AM   #364
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by Dunit35 View Post
I use coupons whenever I see one. Does that make me evil? I'm only 25 and someday I might need that extra money.
If it is something you buy anyway....
Coupons = Free Money
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Old 03-19-2011, 06:39 AM   #365
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by BWillie007 View Post
My house is 35% paid off, I have 5k student loan debt which isnt worth paying off and no.car payment. I have 14,600 in the bank and 3100 in full tilt poker
Would you borrow 5k more to put in the bank? Then why would you hold a 5k debt when you have triple that in cash to pay it off?

Pay off that student loan and get it out of your life...

Mortgage, you make the call on that, thats a personal choice,My personal choice was to pay it off in full and kick wells fargo to the curb.
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Old 03-19-2011, 06:50 AM   #366
tmax63 tmax63 is offline
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By next Friday I will not owe anyone a penny. I'm so looking forward to it.
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Old 03-19-2011, 06:58 AM   #367
Hootie Hootie is offline
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Old 03-19-2011, 06:58 AM   #368
DaFace DaFace is offline
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You're an odd cookie, R8ers. I've never seen someone so in need of justifying his financial decisions to others.
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Old 03-19-2011, 07:49 AM   #369
Over-Head Over-Head is offline
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Originally Posted by tmax63 View Post
By next Friday I will not owe anyone a penny. I'm so looking forward to it.
Congrats!!
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Old 03-19-2011, 07:51 AM   #370
kepp kepp is offline
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Old 03-19-2011, 07:53 AM   #371
RaiderH8r RaiderH8r is offline
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Originally Posted by R8ers View Post
Would you borrow 5k more to put in the bank? Then why would you hold a 5k debt when you have triple that in cash to pay it off?

Pay off that student loan and get it out of your life...

Mortgage, you make the call on that, thats a personal choice,My personal choice was to pay it off in full and kick wells fargo to the curb.
That's just stupid and myopic. If the $5K loan is accruing interest at 4% and the money market is making money at 10% then you've just lost 6% by paying off the loan instead of investing it.

Same goes for the home mortgage. Sure, if you're just going to stuff the cash in a mattress then pay off the debt. But if your rate is 5% and your ROI in the market is 20% /yr averaged over the life of the loan well you just earned a nifty 15% on money that otherwise would have gone in the can.

The only debt one should rush in an "at all costs" fashion to pay off is credit card debt. Christ, right now if got an ARM home loan your rate is actually lower than it was 3 years ago.

I know you like to fellate yourself from atop your high horse for your financial "savvy" but stop being a dick about it because the bottom line is throwing money out the window because you've assigned some misguided evil to debt is reeruned.

I work for my money then I make my money work for me. Bam.

My guitar still costs more than your car and I've still got more cabbage in the couch cushions than you earn in 2 years.
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Old 03-19-2011, 08:34 AM   #372
R8RFAN R8RFAN is offline
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Originally Posted by tmax63 View Post
By next Friday I will not owe anyone a penny. I'm so looking forward to it.
oh and it will feel so good.... Congrats to you and your family
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Old 03-19-2011, 08:37 AM   #373
R8RFAN R8RFAN is offline
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Originally Posted by RaiderH8r View Post
That's just stupid and myopic. If the $5K loan is accruing interest at 4% and the money market is making money at 10% then you've just lost 6% by paying off the loan instead of investing it.

Same goes for the home mortgage. Sure, if you're just going to stuff the cash in a mattress then pay off the debt. But if your rate is 5% and your ROI in the market is 20% /yr averaged over the life of the loan well you just earned a nifty 15% on money that otherwise would have gone in the can.

The only debt one should rush in an "at all costs" fashion to pay off is credit card debt. Christ, right now if got an ARM home loan your rate is actually lower than it was 3 years ago.

I know you like to fellate yourself from atop your high horse for your financial "savvy" but stop being a dick about it because the bottom line is throwing money out the window because you've assigned some misguided evil to debt is reeruned.

I work for my money then I make my money work for me. Bam.

My guitar still costs more than your car and I've still got more cabbage in the couch cushions than you earn in 2 years.
Why would you pay someone 4% interest when you have cash money sitting there?

Keep thinking like that and you too will be broke all your life depending on someone else to decide if you will or will not have any money...
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Old 03-19-2011, 08:39 AM   #374
R8RFAN R8RFAN is offline
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You're an odd cookie, R8ers. I've never seen someone so in need of justifying his financial decisions to others.
Damn right I am odd, as a matter of fact odd enough that I live financially the way 98% of America does not....

I would much rather be "Odd" than up to my ass in debt and trying to justify spending money I don't have.
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Old 03-19-2011, 08:43 AM   #375
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by RaiderH8r View Post
That's just stupid and myopic. If the $5K loan is accruing interest at 4% and the money market is making money at 10% then you've just lost 6% by paying off the loan instead of investing it.

Same goes for the home mortgage. Sure, if you're just going to stuff the cash in a mattress then pay off the debt. But if your rate is 5% and your ROI in the market is 20% /yr averaged over the life of the loan well you just earned a nifty 15% on money that otherwise would have gone in the can.

The only debt one should rush in an "at all costs" fashion to pay off is credit card debt. Christ, right now if got an ARM home loan your rate is actually lower than it was 3 years ago.

I know you like to fellate yourself from atop your high horse for your financial "savvy" but stop being a dick about it because the bottom line is throwing money out the window because you've assigned some misguided evil to debt is reeruned.

I work for my money then I make my money work for me. Bam.

My guitar still costs more than your car and I've still got more cabbage in the couch cushions than you earn in 2 years.
P.S. you are not making 10% in a money market account, YOU may be making 10% in a ponzi scheme called a money market account.

Give me the name of that bank and a phone number, I will call them Monday
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