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Message
re: Is everyone just rich today
Posted on 12/8/25 at 7:56 pm to ClemsonKitten
Posted on 12/8/25 at 7:56 pm to ClemsonKitten
quote:
paying 1k car payments
$2250 per month to minimize interest payments
0
Posted on 12/8/25 at 7:59 pm to auggie
I don’t have car Payments. I have a house payment. And seems like I still can’t get ahead. Vehicles for kids. College tuition. Insurance costs. Oh and the 10$ per lb ground beef….
Posted on 12/8/25 at 8:29 pm to DCtiger1
quote:
Please, for the love of everything holy, do not listen to this dumb asses advice. Anyone with a net worth of 3 million understands risk transfer and the need to protect yourself. Babytac is the most disingenuous, low IQ mfer on this site
PS- buy your insurance from me
Posted on 12/8/25 at 8:39 pm to xBirdx
quote:
And people say ..”they just finance it”.. but they still gotta make payments. I don’t know how they keep up $2k mortgage $1500 car notes $1k mth on vacations (averaged out) $500 boat note $500 s x s/ gold carts / 4 wheelers $1k fishing/hunting $1k private schools
Shoot, and this is if they are living cheap. $2k mortgage won’t get you a shack these days
Posted on 12/8/25 at 8:42 pm to MC5601
True… but equity, etc.
I live in a $600k house, but mortgage is only $1300. So trying to stay relative to my situation.
I live in a $600k house, but mortgage is only $1300. So trying to stay relative to my situation.
Posted on 12/8/25 at 8:48 pm to xBirdx
quote:
True… but equity, etc. I live in a $600k house, but mortgage is only $1300. So trying to stay relative to my situation.
I don’t think I’ve ever had a $1300 mortgage. That’s impressive.
I’ve never stayed long enough to get that.
Posted on 12/8/25 at 9:07 pm to Rize
Well this is the 5th house we built…. Equity adds up if you use it right
Posted on 12/8/25 at 9:20 pm to weagle1999
quote:
I mean a broken clock and all that.
That’s bullshite. The people forecasting the housing bubble weren’t “broken clocks”. They spotted a very fundamental issue within the mortgage industry, one the eventually killed several “unkillable” banks.
The people who were calling for the tech bubble to correct weren’t “broken clocks”.
People looking at today’s fundamentals and saying we are (over)due for a correcting aren’t broken clocks. Yes, people who are cash right now have missed a hell of a year in 2025 if they were in cash all year, but if there is a correction, no, when there is a correction it will likely be larger than the total 2025 gains.
Posted on 12/8/25 at 9:25 pm to Mid Iowa Tiger
quote:
That’s bullshite. The people forecasting the housing bubble weren’t “broken clocks”. They spotted a very fundamental issue within the mortgage industry, one the eventually killed several “unkillable” banks. The people who were calling for the tech bubble to correct weren’t “broken clocks”.
And how many times were they wrong?
quote:
when there is a correction it will likely be larger than the total 2025 gains.
Based on?
Posted on 12/8/25 at 9:29 pm to xBirdx
quote:
Well this is the 5th house we built…. Equity adds up if you use it right
I use it wrong. I go into way more debt and way bigger house every time.
I’m ok carrying debt.
Posted on 12/8/25 at 10:30 pm to Mid Iowa Tiger
quote:
That’s bullshite. The people forecasting the housing bubble weren’t “broken clocks”. They spotted a very fundamental issue within the mortgage industry, one the eventually killed several “unkillable” banks. The people who were calling for the tech bubble to correct weren’t “broken clocks”. People looking at today’s fundamentals and saying we are (over)due for a correcting aren’t broken clocks. Yes, people who are cash right now have missed a hell of a year in 2025 if they were in cash all year, but if there is a correction, no, when there is a correction it will likely be larger than the total 2025 gains.
Let it ride and keep investing. I’ve had several 20% years, some negative years but I’m not smart enough to time the market.
Posted on 12/8/25 at 10:44 pm to Porter Osborne Jr
quote:
quote:It’s a lot cheaper to ski or go to the beach in Europe. [/quote
[quote]Out of curiosity, is this actually true?
Not at all. Total bullshite.
I don’t know why people wanna post bullshite like that
Posted on 12/8/25 at 11:25 pm to ClemsonKitten
quote:
Record Holiday spending, paying 1k car payments per vehicle, living in 1 million dollar houses, spending 10 dollars on ground beef, taking international trips every quarter
Many of us OT’ers live this way. And yes; we enjoy going skiing in the Swiss alps during the winter and swimming at the beaches where they only allow us and the topless model quality European women access to.
Posted on 12/9/25 at 12:13 am to Rize
quote:
not smart enough to time the market.
No one is and let it ride or not depends on a lot of factors. I’m in the industry and even with all I have access to timing the market is not possible.
Adopting positions to try to take advantage of the market is in some instances. I remain fairly bullish personally, but if one is risk averse they may take different positions.
There is a debt load in certain households and late payments are nearing record levels. Something wicked may be coming.
Posted on 12/9/25 at 4:12 am to ClemsonKitten
Most those people are up to their eyeballs in debt and over leveraged as frick. Reality is they don’t have a pot to piss in.
Posted on 12/9/25 at 4:20 am to ClemsonKitten
Nah, I’ve spoken to some financial advisers recently and they’re telling me the debt is the worst they’ve ever seen. One guy said “it’s like 2008 on steroids”
Buy some land and start farming.
Buy some land and start farming.
Posted on 12/9/25 at 5:33 am to ronricks
quote:
Most those people are up to their eyeballs in debt and over leveraged as frick. Reality is they don’t have a pot to piss in.
Maybe. The statement above also sounds like a cope from people who can’t afford things.
Posted on 12/9/25 at 7:47 am to weagle1999
quote:
Maybe. The statement above also sounds like a cope from people who can’t afford things.
I don't have a car or house payment because they are paid off. Lets pretend I am an assistant manager at Wal Mart making $60k a year. I would be better off than probably 85% of the people on this message board based on those two metrics alone. People are drowning in debt right now even supposed 'high earners'. I see this everyday in my office. Married morons with two incomes living paycheck to paycheck because they have debt and spend every penny they make.
Posted on 12/9/25 at 7:48 am to ronricks
quote:they tell you this?
Married morons with two incomes living paycheck to paycheck because they have debt and spend every penny they make.
Posted on 12/9/25 at 8:15 am to xBirdx
quote:
I live in a $600k house, but mortgage is only $1300. So trying to stay relative to my situation.
Same but mines only $1900. Every house i've lived in i;ve made a nice chunk. My current home i have a couple hundred thousand of equity in
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