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Old 11-11-2023, 10:05 AM   #2
Spott Spott is online now
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Quote:
Originally Posted by crayzkirk View Post
Don't eat out very often.
Cut the cable bill.
Thermostat @ 78 in summer, 66 in winter.
Don't buy anything on credit except your home.
Drive older cars until they rust away.
Learn how to fix the things you have.
I keep my thermostat at 78 all year round, but that temperature actually feels cool in Florida. If I lived up north, I’m sure 78 would feel pretty warm.
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Old 11-11-2023, 12:33 PM   #3
BWillie BWillie is offline
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Quote:
Originally Posted by crayzkirk View Post
Don't eat out very often.
Cut the cable bill.
Thermostat @ 78 in summer, 66 in winter.
Don't buy anything on credit except your home.
Drive older cars until they rust away.
Learn how to fix the things you have.
If you simply just don't have kids you don't have to do any of that shit...and more. Unless your biggest dream in life is to have children (I guess that is the biggest dream for most people) I don't know how you can financially justify it. I don't know how families do it. It's just exponentially expensive. The extra food, extra cars, extra insurance, extra space, extra toys/phones/shit, college, extra medical insurance. Perhaps if you want kids, just having one is the solution that way you don't have children in the home that long.

If you have kids, you DEFINITELY have to use alot of your free time doing everything around the house. Put up fences, paint your own house, finish your own basement, fix your own cars, mow your own yard, shit like that. That's probably the best way to save money in todays world.

I found the key to happiness for me at an early age is to be free of doing anything I don't want to do. That means not doing anything on my own, ever. Always hire that shit out. The time and stress you save is worth it.
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Old 11-11-2023, 12:45 PM   #4
LoneWolf LoneWolf is offline
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Originally Posted by BWillie View Post
If you simply just don't have kids you don't have to do any of that shit...and more. Unless your biggest dream in life is to have children (I guess that is the biggest dream for most people) I don't know how you can financially justify it. I don't know how families do it. It's just exponentially expensive. The extra food, extra cars, extra insurance, extra space, extra toys/phones/shit, college, extra medical insurance. Perhaps if you want kids, just having one is the solution that way you don't have children in the home that long.

If you have kids, you DEFINITELY have to use alot of your free time doing everything around the house. Put up fences, paint your own house, finish your own basement, fix your own cars, mow your own yard, shit like that. That's probably the best way to save money in todays world.

I found the key to happiness for me at an early age is to be free of doing anything I don't want to do. That means not doing anything on my own, ever. Always hire that shit out. The time and stress you save is worth it.
You seriously sound like a miserable individual.
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Old 11-11-2023, 12:48 PM   #5
BWillie BWillie is offline
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Originally Posted by LoneWolf View Post
You seriously sound like a miserable individual.
I'm very happy. Just different than most neurotypical people. What makes most NT's happy makes me unhappy. Part of that is why I was able to get ahead financially and I was blessed to have great parents who helped me be an extremely high functioning ASD.
Last edited by BWillie; 11-11-2023 at 12:57 PM..
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Old 11-11-2023, 01:00 PM   #6
Eleazar Eleazar is offline
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Originally Posted by BWillie View Post
If you simply just don't have kids you don't have to do any of that shit...and more. Unless your biggest dream in life is to have children (I guess that is the biggest dream for most people) I don't know how you can financially justify it. I don't know how families do it. It's just exponentially expensive. The extra food, extra cars, extra insurance, extra space, extra toys/phones/shit, college, extra medical insurance. Perhaps if you want kids, just having one is the solution that way you don't have children in the home that long.

If you have kids, you DEFINITELY have to use alot of your free time doing everything around the house. Put up fences, paint your own house, finish your own basement, fix your own cars, mow your own yard, shit like that. That's probably the best way to save money in todays world.

I found the key to happiness for me at an early age is to be free of doing anything I don't want to do. That means not doing anything on my own, ever. Always hire that shit out. The time and stress you save is worth it.
Most people love their kids more than their money I suppose.

But there’s nothing that says a parent has to struggle. Most are doing absolutely fine.
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Old 11-11-2023, 10:52 AM   #7
BWillie BWillie is offline
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Real GDP per capita did stagnate during covid but its now went up again. This means that on average we are better off now than we were in 2018.

https://www.multpl.com/us-real-gdp-p.../table/by-year

Real GDP per capita is a measurement of the total economic output of a country divided by the number of people and adjusted for inflation. It's used to compare the standard of living between countries and over time.
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Old 11-11-2023, 11:49 AM   #8
KCJake KCJake is offline
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Basically man, no matter what I did, I didn't start saving money until I started making really good money. And now ... I still can't save money. I don't have any answer for you, sorry
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Old 11-11-2023, 12:00 PM   #9
BWillie BWillie is offline
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I've always been pretty good with money, mainly because I'm cheap and don't care about societal norms such as being pressured into having kids, buying certain shit, and spending money on things that don't matter. I've always just put aside x amt of money each month in case of emergency...not because it was good financial strategy because it really isn't but just for my own peace of mind.

My entire 20's I had roommates that helped me pay off my initial house quickly. When my friends were single and paying $2000 rents, I was MAKING money by simply living in a 4 bedroom home. Then I invested in cheap rental properties. Quit my real job, started playing poker professionally and invested into crypto that ballooned (got lucky here). Paid off almost all the rental properties and sold them, now have financial advisor. Not having kids is a big key. Not just buying stuff because society tells you to. I didn't ever even have a car payment until 2018 when I bought my Telsa. Before that I drove shitty used cars and the only reason I bought a Tesla is they offer free supercharging (free gas for life, a cheap asses dream).

The key is properly investing and not spending on frivolous stuff until you actually are able to do so. I was even this big of a cheap ass when I was in college and I would bring in little bottles of vodka and just get the free sprite. Drank for $5 all night while my friends were paying $150. Being a cheap gypsy is just in my blood, my family tree.
Last edited by BWillie; 11-11-2023 at 12:36 PM..
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Old 11-11-2023, 12:28 PM   #10
R Clark R Clark is offline
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Old 11-11-2023, 12:42 PM   #11
Skyy God Skyy God is offline
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1) No kids

2) Less car and house than you could afford. My 1625 square foot MCM house in a nice neighborhood is plenty.

3) Don’t spend more $$ because business is going well. Just buy what you need. Am enjoying the shit out of a new $180 Costco leaf blower.

4) Most girls I date pick up some tabs.

5) Rescue dogs are $200-300. Both have been chill, well behaved purebreds. Spend a few $$s on training.

6) Hire stuff out where your expertise is zero. Far better to go in the office, work extra, and make the money to pay professionals.
Last edited by Skyy God; 11-11-2023 at 12:53 PM..
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Old 11-11-2023, 01:02 PM   #12
loochy loochy is offline
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To me, having a child hasn't been much of a financial burden. It's the time burden that is difficult.
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Old 11-11-2023, 01:26 PM   #13
CapsLockKey CapsLockKey is offline
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To me, having a child hasn't been much of a financial burden. It's the time burden that is difficult.
Having two boys that are 22 and 19 it's both. The time part was a burden but for the most part all their activities and whatnot over the years is what makes having kids fun and rewarding most of the time.

The money part though, was the biggest struggle. Didn't make the money I do now for most of those years so you have to know when to say no to certain things. One got married and moved out in March, the other is in school an hour away and comes home on weekends. The drop in expenses is more than noticable. Things as simple as water bill being half what it was and having a fraction of what I used to spend on food makes you realize how expensive kids can be.
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Old 11-11-2023, 01:36 PM   #14
George Liquor George Liquor is offline
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I don't because every time i add money to my savings account something on my car or in my house breaks.
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Old 11-11-2023, 01:45 PM   #15
Rain Man Rain Man is offline
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Since the big inflation bump, we eat at restaurants a lot less It's not worth the money to pay $30 for a burger and fries and soda. My wife retired and likes to cook, so I have restaurant-quality food at home now most days.

Working from home cut my dry cleaning bill a lot. It went from about $500 per year to about $50 per year, which is mostly getting shirts pressed since that's not a great skill of mine. Most days I'm just wearing track pants and a t-shirt.

I got rid of cable TV a couple of years ago, which saves a ridiculous amount of money. I was spending about $2,000 a year for TV, and now I spend about $100 for Netflix.

I sold my car many years ago and walk everywhere and occasionally take a bus. That saves probably $1,500 a year in insurance, taxes, and maintenance.

I put everything possible on credit cards and pay them off each month, which gets me free airline tickets and hotels on occasion.

My next project is to optimize tax avoidance strategies by things like Roth Conversions and assessing dividend strategies on my savings.
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