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Old 03-18-2011, 11:32 AM  
R8RFAN R8RFAN is offline
Molôn Labé
 
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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)
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Old 06-16-2021, 08:38 AM   #661
ChiTown ChiTown is offline
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Originally Posted by TribalElder View Post
guessing "On Paper" would mean all assets totaled up to a sum of 1M+
Yep - that's a Net Worth Equation. If you have enough tangible assets that are primarily paid off and very little to no debt, it's not unthinkable that you could accumulate ~$1MM in Net Worth even if you haven't had a lucrative career.
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Old 06-16-2021, 08:42 AM   #662
DaFace DaFace is offline
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Originally Posted by ThaVirus View Post
To anyone who has a card that gives points, do you find that efficient? I was looking into a lot of travel cards and I'm just not comfortable since I'm not sure what the conversion rate on points to dollars is. Signing up for a travel card that'll get you 50,000 points to start sounds great but I wouldn't be surprised if you'd need millions to actually have any sort of legit worth.
It's one of the things that I like about the Chase version of "points" - you can always redeem it in their travel portal, or you have a lot of different places you can transfer them. It's quite a bit more difficult to get good value on airline (or hotel) specific points for basic stuff. They're more ideal for luxury experiences. That said, here's a list of various currencies and what this particular website values them at:

https://onemileatatime.com/value-miles-points/
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Old 06-16-2021, 08:46 AM   #663
BigRedChief BigRedChief is online now
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Old 06-16-2021, 09:16 AM   #664
KCUnited KCUnited is online now
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If you have an airline of choice or live in a hub city an airline rewards card could be ideal.

We use Southwest Rapid Rewards and have been flying on points for a few years now + companion pass. Obviously it all got disrupted in 2020.
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Old 06-16-2021, 09:22 AM   #665
Bearcat Bearcat is offline
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Originally Posted by DaFace View Post
Also, my house, which I bought in 2009 with only 3% down, has been by far the best financial decision I've ever made.
You should have dumped all of your money into paying off the house years ago, no matter how much you could have made with it in your 401k/investments during that time!!!
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Old 06-16-2021, 09:33 AM   #666
Bearcat Bearcat is offline
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Originally Posted by ChiTown View Post
Yep - that's a Net Worth Equation. If you have enough tangible assets that are primarily paid off and very little to no debt, it's not unthinkable that you could accumulate ~$1MM in Net Worth even if you haven't had a lucrative career.
Yeah, not to say it's 'easy' and everyone should have a million dollars in assets by their mid-50s, but if you've bought and sold a few houses over decades or have held onto property that's skyrocketed over the years, plus have put some effort in squaring away a 401k, it not some insane goal to have at least half of that wrapped up in equity (the right rental properties are great for this, even if you're barely breaking even year to year), then the target 401k at 55 I assume would cover the other half.

Definitely a good goal by that point in life, and with the right investments and strategy, should be more than enough to retire (unless maybe you plan on living until 110).
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Old 06-16-2021, 09:38 AM   #667
Buehler445 Buehler445 is online now
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Originally Posted by DaFace View Post
I'm taking a trip to Alaska over the 4th of July and flying first class. The entire trip is being paid for with credit card rewards. And I still haven't paid a dime in CC interest in at least 15 years.

Also, my house, which I bought in 2009 with only 3% down, has been by far the best financial decision I've ever made.


I had honestly forgot about all those discussions. Obviously DaFace is still salty.

Thinking back I think this thread was the one the prompted me to stick everything on the card for the points.
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Old 06-16-2021, 09:45 AM   #668
htismaqe htismaqe is offline
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Old 06-16-2021, 10:00 AM   #669
scho63 scho63 is offline
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Old 06-16-2021, 10:26 AM   #670
DaFace DaFace is offline
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Originally Posted by Buehler445 View Post


I had honestly forgot about all those discussions. Obviously DaFace is still salty.

Thinking back I think this thread was the one the prompted me to stick everything on the card for the points.
He's backed off on it a bit, but it's still just such a ludicrous position to take that people should avoid all debt at all costs. Granted, I kind of got lucky in buying to a housing market that has been red hot ever since I bought our place, but I calculated it up the other day, and the value of my house has appreciated more than the sum total of all of the money I have put into it (principal, interest, and repairs/upgrades/maintenance). It's like I've literally been able to live rent free in my own house for a decade.

To put it another way, if I'd rented all of this time, I still probably wouldn't have saved enough to pay cash for my place even in 2009 values, and the price has nearly tripled since then.

My net worth would literally be $300k+ lower right now if I'd followed R8ers advice.
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Old 06-16-2021, 11:25 AM   #671
BWillie BWillie is offline
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In your dreams dude. Chiefs going to rip them a new asshole.

In all seriousness, congrats on being 100% debt free. I been 100% debt free since 2017 when I made my last payment on a car loan. No student loans, no car payments, no major credit card bills, etc. Absolutely nothing (other than the obvious basic necessities).

It's amazing how much money one can actually save and contribute to their retirement(s), if they know what in the actual hell they're supposed to be doing.

And I intend to stay debt free for as long as I possibly can, health pending.
You should never be debt free due to tax purposes, inflation, and the opportunity cost of tying that money up that can be otherwise used as earning power or other investments.

Don't listen to Dave Ramsey. Dave Ramsey is for people who can't wrap it around their heads that they shouldn't spend a ton of money on 40k truck if they make 40k a year. Managing your money is one of the easiest things to do on this planet, that for some reason most people cannot do.
Last edited by BWillie; 06-16-2021 at 11:33 AM..
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Old 06-16-2021, 11:29 AM   #672
Rausch Rausch is offline
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I grew up poor. Most of my life I was poor. I'm no longer poor.
I grew up poor. Most of my youth I was poor. I'm no longer young.
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"He had no teeth, and he was slobbering all over himself. I'm thinking, 'You can have your money back, just get me out of here. Let me go be an accountant." I can't tell you how badly I wanted out of there."
Denver rookie QB John Elway, on Jack Lambert, after Lambert and the Steelers knocked Elway out of his first game as a pro (1983).
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Originally Posted by rico
I wish I always ended up at gay bars.
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Old 06-16-2021, 11:31 AM   #673
BWillie BWillie is offline
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Originally Posted by R8RFAN View Post
Over 10 years have passed since I created this thread. I am now 55 years old

I am still 100% debt free
I am officially a Millionaire (on paper) for now.

/thread
They say the first million is the hardest. Not in my experience. The first million was quite easy.
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Old 06-16-2021, 11:32 AM   #674
Rausch Rausch is offline
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They say the first million is the hardest. Not in my experience. The second million was quite easy.
I have an addictive personality so I'm staying away from my gateway million...
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"He had no teeth, and he was slobbering all over himself. I'm thinking, 'You can have your money back, just get me out of here. Let me go be an accountant." I can't tell you how badly I wanted out of there."
Denver rookie QB John Elway, on Jack Lambert, after Lambert and the Steelers knocked Elway out of his first game as a pro (1983).
Quote:
Originally Posted by rico
I wish I always ended up at gay bars.
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Old 06-16-2021, 11:33 AM   #675
KChiefs1 KChiefs1 is offline
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