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Message
re: Is everyone just rich today
Posted on 12/8/25 at 9:14 am to ClemsonKitten
Posted on 12/8/25 at 9:14 am to ClemsonKitten
No. You're just poor.
0
Posted on 12/8/25 at 9:16 am to ClemsonKitten
quote:
I guess I got left out
boomers are already handing their millennial kids/grandkids some of their estates. Obviously not ALL of these people are living off inheritances, but there are a lot out there.
Other thing, your typical 35-45 year old bought their first house 10-15 years ago, and assuming they moved once or twice since then have made a chunk on that as well. So that home that cost a million could have a ton of rolled over equity in it.
Posted on 12/8/25 at 9:18 am to dallastiger55
Keep in mind that very few people share their losses - just their wins. You are getting at best a curated, if not dishonest view into peoples lives.
Set your own goals and own them. Goals are only a dream without a plan, so have one, and don't expect things to go according to your plan. Like Rocky said - keep moving forward.
Set your own goals and own them. Goals are only a dream without a plan, so have one, and don't expect things to go according to your plan. Like Rocky said - keep moving forward.
Posted on 12/8/25 at 9:20 am to GreatLakesTiger24
quote:
The true middle class is dying
Everyone is lower or upper
I don't believe that.
There are a lot of middle class people who try to use credit cards to play up to upper class.
Posted on 12/8/25 at 9:21 am to ClemsonKitten
quote:shite I’m just shooting deer and grinding it up myself at this point.
spending 10 dollars on ground beef
Beef is insane
Posted on 12/8/25 at 9:21 am to Cosmo
quote:
On TD? Yes. Average household income on TD is 350k
Posted on 12/8/25 at 9:22 am to ClemsonKitten
Now that gofundme has replaced insurance it frees up several thousand a year for our family.
Posted on 12/8/25 at 9:24 am to ClemsonKitten
If you want to try to compare yourself to other people, try figuring out what you will be doing from 9-5 when you're 65+; and take a guess what a lot of these people will be doing.
There are obviously plenty of exceptions, but a lot of the people that I know that talk about their new cars, updated houses, lavish vacations, get very quiet and have nothing to contribute when discussions about retirement accounts, brokerage accounts, the stock market, etc. come up.
This legit, or exaggerating a little?
There are obviously plenty of exceptions, but a lot of the people that I know that talk about their new cars, updated houses, lavish vacations, get very quiet and have nothing to contribute when discussions about retirement accounts, brokerage accounts, the stock market, etc. come up.
quote:
spending 10 dollars on ground beef
This legit, or exaggerating a little?
Posted on 12/8/25 at 9:25 am to YumYum Sauce
quote:
boomers are already handing their millennial kids/grandkids some of their estates. Obviously not ALL of these people are living off inheritances, but there are a lot out there. Other thing, your typical 35-45 year old bought their first house 10-15 years ago, and assuming they moved once or twice since then have made a chunk on that as well. So that home that cost a million could have a ton of rolled over equity in it.
This is what I did. I’m in my fourth house since 2006. 1 was same town because we wanted a bigger lot and house. Hit that perfect with starting the build right before Covid and finishing during Covid with a 2.6% rate. The rest have been corporate relocations to different states, so moves and closing costs were paid for.
This post was edited on 12/8/25 at 9:27 am
Posted on 12/8/25 at 9:25 am to ClemsonKitten
I was doing alright a few weeks ago but since the ol lady has been YOLO'ing the credit card lately I got a feeling January gonna be ROUGH
Posted on 12/8/25 at 9:26 am to ClemsonKitten
We both have paid off cars (mine's older but it's still handling business so I'll keep driving it, no need for anything newer). We got extremely lucky and got a mortgage pre-interest rate hike and right before the housing market boomed during COVID. We also bought smaller than what a lot of our peers did in the same tax bracket but have made some upgrades to the house that are well worth it (new windows, new roof, etc.).
I started my Christmas shopping in late October and only have a couple of things to get (that I can't really order way ahead of time).
The bean soup I'm fixing for dinner tonight will cost me about $7.00 and I'll have some to take to my Grandmother. I think the most expensive thing I'll cook this week is beef stew and I already have the stew meat in the freezer from where we bought in bulk from Costco. And I cook 5-6 nights a week.
The reality is we meal plan and are mindful with our money so we can spend on vacations and the like later on.
I started my Christmas shopping in late October and only have a couple of things to get (that I can't really order way ahead of time).
The bean soup I'm fixing for dinner tonight will cost me about $7.00 and I'll have some to take to my Grandmother. I think the most expensive thing I'll cook this week is beef stew and I already have the stew meat in the freezer from where we bought in bulk from Costco. And I cook 5-6 nights a week.
The reality is we meal plan and are mindful with our money so we can spend on vacations and the like later on.
This post was edited on 12/8/25 at 9:29 am
Posted on 12/8/25 at 9:26 am to ClemsonKitten
You have quickly established yourself as a whining pussy that brings zero value to the OT. You're not funny, you're not antagonistic, you just whine.
Posted on 12/8/25 at 9:27 am to ClemsonKitten
I try to stay off instagram because whenever I am on instagram, it feels like almost everyone else my age is on some luxury vacation or living like royalty, while I'm just trying to stay afloat in my current circumstances.
And I understand that people project the lives they want others to think that they're living on instagram, but it still doesn't make me feel better about myself. Need to avoid comparing myself to others!
And I understand that people project the lives they want others to think that they're living on instagram, but it still doesn't make me feel better about myself. Need to avoid comparing myself to others!
Posted on 12/8/25 at 9:28 am to Rize
quote:
moves and closing costs were paid for.
Thats probably saved you 50k if its happened a few times. That is badass.
I didnt buy my first house til about 6 years ago, but still skinned it when I sold and rolled into a much larger more expensive place.
Posted on 12/8/25 at 9:30 am to ClemsonKitten
Very few of us are rich but nearly all of us spend like we are.
Posted on 12/8/25 at 9:35 am to ClemsonKitten
I don’t get how some people sleep at night with the amount of debt they must be accumulating. Of course it’ll be a republican or democrats fault when they get old and can’t retire because it was more important to keep up with the Joneses than it was to actually take care of your family in a responsible way.
My situation that’s based on choices Ive made from what to major in college to lifestyle needs vs wants since:
No vehicle debt ever (always paid cash. Have never spent more than $20k. First vehicle was $5000)
No recreational debt ever (amazes me people take out a loan for things like boats. I save and pay cash, or I don’t get it)
Paid cash for home. No mortgage. 15 year loan on first home; paid off in 9. Bought what I could afford with cash since not what society tells me I’m entitled to.
Only spend 30% of my take home pay at this point.
Zero bills other than utilities. Self insure (screw the snake oil insurance companies)
Net worth - $3 million. Will retire in 2026 at 49/50.
My situation that’s based on choices Ive made from what to major in college to lifestyle needs vs wants since:
No vehicle debt ever (always paid cash. Have never spent more than $20k. First vehicle was $5000)
No recreational debt ever (amazes me people take out a loan for things like boats. I save and pay cash, or I don’t get it)
Paid cash for home. No mortgage. 15 year loan on first home; paid off in 9. Bought what I could afford with cash since not what society tells me I’m entitled to.
Only spend 30% of my take home pay at this point.
Zero bills other than utilities. Self insure (screw the snake oil insurance companies)
Net worth - $3 million. Will retire in 2026 at 49/50.
This post was edited on 12/8/25 at 10:21 am
Posted on 12/8/25 at 9:35 am to ClemsonKitten
Don't look at the Jone's. Most people are living paycheck to paycheck and insane amount of debts. Also, most people are leasing the expensive cars so paying what 500-600 a month for 2 years with nothing to show for it after 3 years.
80% of households have less than 1k in savings, and no retirement savings. Just think about this:
The median 401(k) balance is around $39,958 (according to Vanguard/NerdWallet data) or about $45,000 when including other retirement accounts (Federal Reserve data) when you take out the highs 1000 earners.
Median General Savings Account Balance: For general, non-retirement savings accounts (like checking and traditional savings accounts), the median balance for this age group is about $7,500, when you take out the highs 1000 earners.
Right there is insane stats. So just stay on the course and don't think about the Jone's. In 20 years your be in a great spot.
80% of households have less than 1k in savings, and no retirement savings. Just think about this:
The median 401(k) balance is around $39,958 (according to Vanguard/NerdWallet data) or about $45,000 when including other retirement accounts (Federal Reserve data) when you take out the highs 1000 earners.
Median General Savings Account Balance: For general, non-retirement savings accounts (like checking and traditional savings accounts), the median balance for this age group is about $7,500, when you take out the highs 1000 earners.
Right there is insane stats. So just stay on the course and don't think about the Jone's. In 20 years your be in a great spot.
Posted on 12/8/25 at 9:36 am to Codythetiger
quote:
but she just had to get the 4wd model last year.
Had to? She door dashing up in the mountains?
Posted on 12/8/25 at 9:40 am to ClemsonKitten
A lot of folks just don't care about being deep in debt.
Posted on 12/8/25 at 9:41 am to jizzle6609
quote:
Appearances can be deceiving.
Osborne? Osborne Cox?
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