YM-approved things you can do

[Deleted]

ummmmmm....... 

[midjd]

Earn a high salary without having student loans or receiving help from parents. Don't have kids, and if you do, lock them in the basement so they don't bother anyone. If you ever fall on hard times or need assistance, just do everyone a favor and go jump off a bridge.
 
I think that's it?

[Deleted]

no - jumping off a bridge will require the efforts of public servants to scrape your dead body off the road and then investigate your death, thereby wasting tax dollars.

[NomoreDramaQ1015]

I have an STEM degree!

Other than that, I got nothing.

For others NEVER take a tax refund.  You sit there and figure out how much your witholdings need to be until you owe. 

Refuse to take any tax deductions.  A good YM-er pays her fair share.

[Deleted]

my fair share is THIS!

 <<slams $5 bill on table top>>  


Make it work, Obama!!!

[Deleted]

Save 120% of your salary.

[swamp]

Don't even think of having sex until you have a STEM degree, stable employment, three years living expenses in an EF, a fully funded retirement, and a spouse who will always be gainfully employed, won't die early, and wont leave you.

[NomoreDramaQ1015]

Never start a family unless you have been planning your life to accomdate it since the day you were born.  If you haven't been thinking about your future family this entire time. .. forget it, you're destined to become a welfare rat who will in turn raise a future welfare rat.

[Deleted]

as effed up as it sounds, I'm not totally opposed to this part for some people!

Apr 16, 2013 10:38:10 GMT -5 swamp said:

Don't even think of having sex until you have stable employment

[Deleted]

Count your money.

[NomoreDramaQ1015]

Engage in rascal tipping.  That'll teach all those non-handicapped people.

[NancysSummerSip]

Apr 16, 2013 10:43:06 GMT -5 @moneyjenny82 said:

as effed up as it sounds, I'm not totally opposed to this part for some people!

Apr 16, 2013 10:38:10 GMT -5 swamp said:

Don't even think of having sex until you have stable employment

Reminds me of a discussion I heard on the radio this morning, about how the stupidest people always seem to be the most fertile. I see Mr. and Mrs. Dumbbutt, and it never fails, they have a half-dozen snotty-nosed kids, with saggy diapers and no shoes. Oh, and they are always the ones ahead of me in the grocery line, with a cart full of chips, beer and crab legs. And they are trying to use their SNAP card, and get all pissy because 80% of what's in their cart isn't eligible. These people should not be allowed to breed, at least not on this planet. Send them off on the commercial space flight to a planet where they can be all together.

[vonna]

Apr 16, 2013 10:38:10 GMT -5 swamp said:

Don't even think of having sex until you have a STEM degree, stable employment, three years living expenses in an EF, a fully funded retirement, and a spouse who will always be gainfully employed, won't die early, and wont leave you.

BUT, you better get crackin, cuz it is selfish to have kids late in life . . .

[Deleted]

Go on vacation, even if you don't like to travel, because money should be spent on experiences and not stuff.

[NomoreDramaQ1015]

Renters are the scum of the earth.  They will destroy everything they touch because since they don't own it they are too stupid to take care of it. 

 

But you need to be a landlord in order to ever be anything other than a cat food eating old fart in retirement.

[redkitty]

Apr 16, 2013 11:11:53 GMT -5 NomoreDramaQ1015 said:

Renters are the scum of the earth.  They will destroy everything they touch because since they don't own it they are too stupid to take care of it. 

 

But you need to be a landlord in order to ever be anything other than a cat food eating old fart in retirement.

[thyme4change]

Bitchslap strippers with a wad of benjis.

Archie approved that.

[Bob Ross]

Earn a high salary

Pfft.  Salary = slave to THE MAN.

Real estate investment or business ownership ONLY.

[Deleted]

 Have multiple streams of income (but not working for THE MAN) but one of them must be real estate which is fully leverage so that the rest of your money is earning according to your Phil Script.

[Deleted]

Skinny dip instead of regular swimming.........tons of money saved on useless swim suits! 

[Deleted]

no, because that would mean that your disgusting body is on display for all to see.  Then we'd all need therapy to erase the mental images, thereby costing us money.

[alabamagal]

Apr 16, 2013 13:02:28 GMT -5 @moneyjenny82 said:

no, because that would mean that your disgusting body is on display for all to see.  Then we'd all need therapy to erase the mental images, thereby costing us money.

Or we would have to waste all that money on gym memberships so that we looked good.

I would rather hide my flaws with a cheap Walmart bathing suit

[kittensaver]

Feel free to mock on an anonymous message board stupid people, and to discriminate against those whose "lifestyle" and behavior don't fit your neat little sheltered world.

[susanb]

Max out your tax favored retirement accounts.

That is all I could come up with....I thought of other things that one would think would be YM approved, such as shopping at a second hand store, but then remembered numerous times when that was considered wrong/bad/stupid by some YMers. 

[tskeeter]

Construct a really elaborate spreadsheet to track your budget, your spending, your investment accounts, and your net worth and to project your investment account balances and net worth from now until you are 125 years old (YMers have the money to care for themselves, so they live darn near forever).  Cells should be formatted so they dispay in green if your spending is less than budget, or your investment account and net worth balances are higher than your projections and in red if you are over budget or trailing your investment and net worth projections.  If your spending is exceeding your budget or your savings is falling behind, the spreadsheet should sent a message to your bank to freeze your debit card and checking account until after your next pay day.  More than three account freezes in a single year should cause a message to the bank that closes your account and puts you on a cash only basis for at least 12 months.  Coincident to closing of your bank account, your Nordstrom's credit card will be cancelled.  No new shoes for you. 

[Sam_2.0]

No no no, skinny dipping is fine. But don't pull out a breast to use it for what it was intended to be used for and feed a child, because that's yucky.

But also don't feed your child formula. That's an unnecessary cost when boobs make milk for free.

[thyme4change]

I guess expressing an opinion is out.  

[tallguy]

Apr 16, 2013 10:33:35 GMT -5 @anne81 said:

Save 120% of your salary.

Is this one supposed to be a joke too?  Others obviously are, but I was pretty close to this for a while. 

[Deleted]

Yes, it's supposed to be a joke.  Good job! (I'm assuming there was a second income to pay the bills though?)

[resolution]

Depends on how you figure things. Last year we had an AGI of 75k and our net worth went up over 100k, so I did brag to DH that we saved more than we earned. However it was just the stars aligning on some investments. I think we spent about 60% of what we earned, just that the already invested stuff overcompensated.