Deleted
Joined: Oct 6, 2024 10:47:18 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 12:39:18 GMT -5
Yes, because everyone was advocating barefootedness There are actually 2 posts of people bragging about their kids not wearing shoes at all unless they are going to church or something. And ya, now your general tone with her is really disrespectful. The OP has a good job, her husband is working and she is looking at things before they get critical. We have different definitions. I find spending more than you make with no emergency fund or other savings to be fairly critical.
|
|
Apple
Junior Associate
Always travel with a sense of humor
Joined: Dec 17, 2010 15:51:04 GMT -5
Posts: 9,938
Mini-Profile Name Color: dc0e29
|
Post by Apple on Jan 1, 2015 12:40:00 GMT -5
I'm glad you've been able to discuss and solidify your priorities! That takes some honest assessments but can really help you toward your goal. When you're tempted to spend "outside your budget" for something, remind yourself of your goals and really think about how it would negatively affect them, then decide if it's worth it. I believe it can help stop mindless spending when you force yourself to "mind the spending".
I am someone who doesn't really have a budget, and never has. I figure out my necessary bills, and my income. I know what kind of growth I should be seeing in my checking account and that I should be able to move anything over $x into savings at the end of a month (and I know exactly how much I should be able to move). If that money is not there to move, it means I overspent. If I overspent, I'd better know why (last month it was planned Christmas presents and dental work). If I don't know why, I need to keep an eye on that mindless spending better. The money that I get to move each month is for the vacation fund. It's something I REALLY want, but is a want, not a need, and hitting that is my punishment for not spending responsibly elsewhere. I have a goal for that money, and if it's disappearing, it is absolutely brought to my attention. It's kind of my monthly "how am I doing" reality check.
I do save "off the top", and do live within my means. But, saying I'm allowed to spend x on groceries, x on entertainment, x on clothes, isn't how I like to do it. I buy groceries in waves-- buy a side of beef all at once, $300 in chicken, all at once, etc, and use that over the course of a year, so "x a month" doesn't fit with my style.
|
|
Knee Deep in Water Chloe
Senior Associate
Joined: Dec 27, 2010 21:04:44 GMT -5
Posts: 14,239
Mini-Profile Name Color: 1980e6
|
Post by Knee Deep in Water Chloe on Jan 1, 2015 12:40:21 GMT -5
Later (and OP), I understand how you could view oped's tone that way, but I view it as oped was trying to help the OP see her problem in a different way.
The OP's tone was dismissive multiple times, which I interpret as disrespectful. My finances are gawful. I'm not proclaiming that I'm perfect and everyone should do exactly what I say. I made one suggestion for OP to look at a different type of financial philosophy than she'd been following. I was dismissed within two minutes.
When OP stated she was frustrated with her current financial status and stressful day-to-day and people tried to pinpoint what was actually causing that, many of us were dismissed.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 12:41:57 GMT -5
Well, how do you positively change your cashflow, besides earning more and spending less? I am interested in your budget, maybe you have applied some of the things you've read already. What I've observed from your posts though is counting on 1) a large increase in hours worked, 2) an absolutely huge decrease in spending... Coupled with 3) no real intent to get specific about your spending past or present. While the broad strokes of make more, spend less make sense... The reality is that a successful plan is going to be more detailed than that. My plan is to look at each month of 2014 and see where I wasted money and how I can cut back on it, then on the last day of each month see how I did. For January last year, i spent a lot on amazon and clothing. This year, I am not shopping. I have been losing weight, so no need to buy until spring, because I won't wear these clothes long anyway, and DD is set until spring. I also overspent on food last year. We do eat healthy, but I really feel like we waste at least 30% of the food we bring home, maybe more, so I am working on really having a plan to use up most of what we buy. I am closely paying more attention, and will continue to do so.
|
|
giramomma
Distinguished Associate
Joined: Feb 3, 2011 11:25:27 GMT -5
Posts: 22,138
|
Post by giramomma on Jan 1, 2015 12:42:22 GMT -5
I don't remember exactly who posted what oped (and I'm not going back to identify it), but there are posts here that are attacking her. Many of the comments about vacations, and shoes and accusing her of being unwilling to change anything. They were not productive posts. Personally I don't think not putting any shoes on your kids feet is a point of prideI don't think anyone is saying that. I figured it out, that in order for her DD to wear 9-10 pairs of shoes once a week, she needs to be changing her DD's shoes multiple times a day. (The other three, I allowed for 2 prs of boots and a pair of dress shoes.) I think we are suggesting moderation, not being wasteful. I think being wasteful with your money is also not a source of pride. Maybe because it's because we are in a position where we don't have money to waste . And I won't apologize because I only by my kids shoes that they need, in terms of numbers of shoes and number of items of clothing. It doesn't mean I'm covering their feet in target bags and making walking around in snow.
|
|
giramomma
Distinguished Associate
Joined: Feb 3, 2011 11:25:27 GMT -5
Posts: 22,138
|
Post by giramomma on Jan 1, 2015 12:44:46 GMT -5
But we enjoy the vacations, and would take trips even if she wasn't here. The travel is as much for us as for her. She may not remember, but we will cherish these memories forever. In the end, all we have is our memories. That's how we felt too. Which is why by the time our first kid was 2, he had been to 10 states.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 12:48:04 GMT -5
I do own YNAB, I bought it a year or so ago when it was on STEAM for a ridiculously low price. Then I neglected to set it up and use it. Good intentions and such. Yeah, okay...so, fine you own YNAB, but that's not what I said. I said peruse the philosophies. You seem to have two goals--understand your spending and then control the spending to live within your means. The act of Owning YNAB doesn't reach those goals. If if you're still dismissing 99% of the advice without any consideration, then I still wish you the best of luck and I will move on. Where, pray tell, did I dismiss you? Your first post was off putting to begin with, but I responded to you that I did own YNAB as you suggested, and that further irritated you? You then responded with some made up fact that I am dismissing 99% of advice, based o what exactly, beyond your own irritation? I'm not one for drama, and I do my best to avoid biting what is clearly bait for an argument.
|
|
sbcalimom
Familiar Member
Joined: Jan 2, 2011 21:27:25 GMT -5
Posts: 890
|
Post by sbcalimom on Jan 1, 2015 12:48:17 GMT -5
Keeping an inventory of her clothes sounds like a great idea. IT is easy to forget how much she has. When she changes sized and all of a sudden nothing fits, i go into a bit of a panic trying to rebuild the wardrobe with correct sizes! I think for the kindle, I'm going to start using our library's kindle services. In late February or early march we are going to start back with library story times and I will be able to check out books regularly, so that should help. Until then, I am rereading some old favorites :-) I like to keep at least one size up for DD1 so I don't have to do that. It lets me buy things super on sale that way and be prepared when she suddenly grows a few inches seemingly overnight. It does get easier to plan ahead though as they get older since they last longer in their current sizes. My DD1 is very, very tall for her age and I used to replace her clothes every 3 months or so until she hit about 3. Now, I can get almost a year out of most things. And for the Kindle, depending on what you read, Kindle Prime may be a good option to check out. Our library doesn't have much for ebooks that I read so it really doesn't help me find books for free. Kindle Prime is $10/mo and you can check out unlimited qualifying books. Since so much of what I read anyways is there, I end up reading 80-90% of my books as part of it and having to spend very little to read each month.
|
|
giramomma
Distinguished Associate
Joined: Feb 3, 2011 11:25:27 GMT -5
Posts: 22,138
|
Post by giramomma on Jan 1, 2015 12:50:52 GMT -5
Keeping an inventory of her clothes sounds like a great idea. IT is easy to forget how much she has. When she changes sized and all of a sudden nothing fits, i go into a bit of a panic trying to rebuild the wardrobe with correct sizes!I keep 3-4 outfits in the next size up for the kids, plus one pair of shoes if I can find them on sale. That way, there's no need to panic shop at full price. I also do numbers. I keep 10-14 days worth of clothing, plus 2-3 dress outfits for church. For us that's enough. My Dh also does the laundry. So, I try to put clothes away and weed out when I do that. Then, I make note if we go down below 10 days worth of clothes and replace when clothing is on sale. If I also weed while I put clothes away, it saves time. ETA: I also do numbers for things like towels, bed sheets, etc. So, for us, we do three sets of sheets (bed, wash, ready to go). Now, for the kids, we only allow them one set of "fun" sheets. And then they are kept for spares when they are outgrown.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 12:51:00 GMT -5
I don't remember exactly who posted what oped (and I'm not going back to identify it), but there are posts here that are attacking her. Many of the comments about vacations, and shoes and accusing her of being unwilling to change anything. They were not productive posts. Personally I don't think not putting any shoes on your kids feet is a point of prideI don't think anyone is saying that. I figured it out, that in order for her DD to wear 9-10 pairs of shoes once a week, she needs to be changing her DD's shoes multiple times a day. (The other three, I allowed for 2 prs of boots and a pair of dress shoes.) I think we are suggesting moderation, not being wasteful. I think being wasteful with your money is also not a source of pride. Maybe because it's because we are in a position where we don't have money to waste . And I won't apologize because I only by my kids shoes that they need, in terms of numbers of shoes and number of items of clothing. It doesn't mean I'm covering their feet in target bags and making walking around in snow. I'm going to have to agree with both posters on this one. I think putting babies in sandals in the snow is borderline neglect, especially if you have the means to provide those shoes. I also agree that I tend to overindulge, and am working on changing that about myself.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 12:53:08 GMT -5
Keeping an inventory of her clothes sounds like a great idea. IT is easy to forget how much she has. When she changes sized and all of a sudden nothing fits, i go into a bit of a panic trying to rebuild the wardrobe with correct sizes!I keep 3-4 outfits in the next size up for the kids, plus one pair of shoes if I can find them on sale. That way, there's no need to panic shop at full price. I also do numbers. I keep 10-14 days worth of clothing, plus 2-3 dress outfits for church. For us that's enough. My Dh also does the laundry. So, I try to put clothes away and weed out when I do that. Then, I make note if we go down below 10 days worth of clothes and replace when clothing is on sale. If I also weed while I put clothes away, it saves time. I tried buying ahead, buying end of season clearance for the next year, but she grew so quickly and is so above average in her clothing size, that none of her 2t spring/summer stuff I bought got worn, even though she didn't turn 2 until august. I had to resell/give away all of it, and it felt like so much money was wasted.
|
|
Deleted
Joined: Oct 6, 2024 10:47:18 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 12:54:46 GMT -5
Chloe, may be time for you and me to bail here...
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 12:59:08 GMT -5
There are actually 2 posts of people bragging about their kids not wearing shoes at all unless they are going to church or something. And ya, now your general tone with her is really disrespectful. The OP has a good job, her husband is working and she is looking at things before they get critical. We have different definitions. I find spending more than you make with no emergency fund or other savings to be fairly critical. I don't things are critical. They could get there if we don't change, and it isn't as if we never have an EF, but those got raided for vacation and Christmas. Next year, we wont be doing a big trip at Christmastime, it was just really bad timing overall. But it isn't as though our bills aren't paid or our house is in foreclosure or anything, We're keeping our heads above water for now
|
|
Apple
Junior Associate
Always travel with a sense of humor
Joined: Dec 17, 2010 15:51:04 GMT -5
Posts: 9,938
Mini-Profile Name Color: dc0e29
|
Post by Apple on Jan 1, 2015 13:03:14 GMT -5
I prioritize vacations, and have been told it's a waste of money, the kid won't remember it, etc, etc. Well, they are my memories until DS was old enough to have his own, and they are my stories I can tell DS of funny things he did. DS was nine the first time we went overseas, and he doesn't remember everything, but it was worth it. Because that is MY priority. And the great thing about personal financial and life priorities, is that they are personal, and you get to customize them to fit your life, not the life of everyone else.
Lifestyle changes are made in steps, and as you make one, the next one is easier. But harping on people not to make a big leap because "steps don't change anything" is not helpful.
Her priority is a vacation her daughter may not remember. I know someone who's priorities are "nice cars" and "newest gadgets". I think those are ridiculous. They think my priorities of vacation and living in the boonies are ridiculous.
Most people don't permanently lose weight by all of a sudden spending two hours in a gym and denying themselves every treat and extra calorie, although yes, it works for some. People can be successful turning down one candy bar at a time. Taking the stairs instead of the elevator. And then realizing that that isn't so painful and depriving. And it makes it easier to turn down the next candy bar, and take the stairs twice a day, or park farther away from the building. Then, whoa! Next thing you know, they start enjoying something crazy like daily walks and hiking. And they get to where one Coke a week is a treat (when they used to drink two a day), and they don't need candy once an hour, but can make a package of M&Ms last two days, and really only buy them once a week.
The realization is "holy crap! I've spent way too much money". Being supportive in the steps, rather than expecting "you must change everything about your life or you will never succeed", to me, is more helpful. Help come up with ideas, things you do that help you, things they should consider trying, etc. But "you aren't doing it my way, therefore you cannot succeed" is not always the right approach (even if it is the YM approach).
She's making a plan. She's set priorities. She's figured out her goals and now she's going to look into what it will take to reach them. And she mostly gets "but you're not..." Well, of course she's not, she hasn't reached that step yet! But hopefully, putting ideas out there will continue to spark ideas she can use.
I've had a really crappy day, and I'm projecting some things I've ran into with my own attempts to change things I don't like. But it does get tiring.
|
|
Apple
Junior Associate
Always travel with a sense of humor
Joined: Dec 17, 2010 15:51:04 GMT -5
Posts: 9,938
Mini-Profile Name Color: dc0e29
|
Post by Apple on Jan 1, 2015 13:08:38 GMT -5
Free Kindle books: www.ereaderiq.com/freebies?t=week&c=154607011I'm addicted, I admit it. This feeds my addiction without spending a dime (but check before you order to make sure that the book is still free, I almost got bit by that once when I book freebie had expired and was at full price). You're welcome
|
|
giramomma
Distinguished Associate
Joined: Feb 3, 2011 11:25:27 GMT -5
Posts: 22,138
|
Post by giramomma on Jan 1, 2015 13:14:30 GMT -5
I don't things are critical. They could get there if we don't change, and it isn't as if we never have an EF, but those got raided for vacation and Christmas. Next year, we wont be doing a big trip at Christmastime, it was just really bad timing overall. But it isn't as though our bills aren't paid or our house is in foreclosure or anything, We're keeping our heads above water for now FWIW. My personal experience is that my kids are less expensive from 0-2. We formula fed, used cloth diapers, and got most clothes cheaply. We start preschool at two. Next year, we're looking at between 300-600/month for preschool next school year. Plus the registration fee. At this preschool, there's a big push on monthly playdates that also cost $10/month on average. The teacher gift contribution is $20. Pictures, I spent almost 40. Plus birthday parties, which means birthday gifts both in and out of the class room. My DH was a SAHP for our first child, and therefore like you, we had no daycare costs. I was shocked at how quickly our kids went from being cheap to being more expensive. I've also noticed that once the expenses start, they really don't stop. You may find it harder to save once your child gets older. In your situation, I might be tempted to buckle down a little more now. Hindsight being what it is. You also may find that once your child reaches school age, that your child may want you to be involved with their school. (My kids did). Or maybe you might want to be involved (though, it's not for some.) You may find that it may get harder to fit in extra shifts to get ahead between older child demands and work. Of course, by then your DH will hopefully be paid more, but you never know when, exactly he will reach his full earning potential.
|
|
phil5185
Junior Associate
Joined: Dec 26, 2010 15:45:49 GMT -5
Posts: 6,412
|
Post by phil5185 on Jan 1, 2015 13:37:36 GMT -5
Good Goal setting. I would drop the first 2 and re-order the remaining 3. As giramamma said - "You know the saying "Your kids can borrow for college, you cannot borrow for your retirement."" That's key - parents jump right onto the "save for college wagon" cuz it sounds so responsible and "good'. But think it thru - your income stream is mostly fixed, your job is to allocate it to it's highest and best use. If you allocate to 'college' that is at the expense of something else - if you take it away from 'retirement' the end game may be your daughter being forced to stay with you, feed you, and change your diapers. Or DH's diapers after you are gone. And a lender cannot lend retirement funds to you - you have no jobs - no visible way to repay. But you can borrow kid's college money cheap, 4% or 5%.
That's not how it works. As I said above - fixed finite income stream, allocate it to it's highest and best use. First, stop thinking of your family wealth-building as 'retirement'. Retirement is too abstract, especially when it's over 30 yrs away - plus it carries the connotation of "selfish", ie withholding things from child/family for your own luxury later. That wealth can be used later for private schools, college, housing, rental houses, early retirement, and Fallback EF (So you won't need to pile up a huge EF of dead money). The key part of highest and best use is your wealth-building selection. Eg, if you put $7500/yr in savings, you'll have $225,000 in 30 yrs - not enough to fund college and retirement. But if you put $7500/yr into an 11%/yr fund you'll have over $1,650,000. The required cashflow is the same for both scenarios.
lol - Good, that is called 'intellectual honesty" - earlier you told us that the vacations were for the two-year old.
|
|
moneymaven
Well-Known Member
Joined: Dec 26, 2010 10:05:04 GMT -5
Posts: 1,864
|
Post by moneymaven on Jan 1, 2015 13:45:58 GMT -5
I'm disappointed that the OP spent time "investigating" other posters. What I will say as a long time poster is that everyone here is trying to learn something. No one claims they're perfect (well, except maybe Archie ) and many have been where you've been (myself included). I'm still in the doldrums of paying off debts and I've learned a ton from this board. Some feedback is hard to hear, hard to digest and hard to implement, but it has been incredibly useful to me. I'd suggest OP invests her energy in working on her own improvement plan and not attacking posters who are trying to help.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 13:47:05 GMT -5
I don't things are critical. They could get there if we don't change, and it isn't as if we never have an EF, but those got raided for vacation and Christmas. Next year, we wont be doing a big trip at Christmastime, it was just really bad timing overall. But it isn't as though our bills aren't paid or our house is in foreclosure or anything, We're keeping our heads above water for now FWIW. My personal experience is that my kids are less expensive from 0-2. We formula fed, used cloth diapers, and got most clothes cheaply. We start preschool at two. Next year, we're looking at between 300-600/month for preschool next school year. Plus the registration fee. At this preschool, there's a big push on monthly playdates that also cost $10/month on average. The teacher gift contribution is $20. Pictures, I spent almost 40. Plus birthday parties, which means birthday gifts both in and out of the class room. My DH was a SAHP for our first child, and therefore like you, we had no daycare costs. I was shocked at how quickly our kids went from being cheap to being more expensive. I've also noticed that once the expenses start, they really don't stop. You may find it harder to save once your child gets older. In your situation, I might be tempted to buckle down a little more now. Hindsight being what it is. You also may find that once your child reaches school age, that your child may want you to be involved with their school. (My kids did). Or maybe you might want to be involved (though, it's not for some.) You may find that it may get harder to fit in extra shifts to get ahead between older child demands and work. Of course, by then your DH will hopefully be paid more, but you never know when, exactly he will reach his full earning potential. Our school expenses shouldn't be too much. We are planning to homeschool, so there won't be a monthly preschool cost. There will be costs for curriculum supplies and workbooks. And we plan to utilize a lot of resources that combine experiences with learning. We are aware that our expenses will be greater in a few years. And we fully intend to enroll her in dance/sports when she gets to that age. You're right, I will be working less when she is older, so that I can be more involved with education,etc. That is why paying down debt is a goal now. And you're right that DH should be earning more at that point, even if he hasn't hit his peak, I anticipate at least a $15-$20K raise when he gets into his new career.
|
|
Deleted
Joined: Oct 6, 2024 10:47:18 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 13:52:37 GMT -5
Reading through other threads has been eye opening, It seems a lot of people are getting irritated that I won't commit to their advice, when I look at other posts of theirs even they aren't following their own advice. I'm not here to call anyone out, but I also have decided that I am going to come up with my priorities and focus on those instead of being pressured by others as to what to do. She didn't say who... Maybe me?
|
|
moneymaven
Well-Known Member
Joined: Dec 26, 2010 10:05:04 GMT -5
Posts: 1,864
|
Post by moneymaven on Jan 1, 2015 13:52:36 GMT -5
I have spent my free time this week looking over where our money has gone, as well as trying to come up with a livable budget. I know I want to get more on track with our finances, but I want to do it in a way that we can still enjoy our lives and not feel like we are just working to pay bills/squirrel away money. Reading through other threads has been eye opening, It seems a lot of people are getting irritated that I won't commit to their advice, when I look at other posts of theirs even they aren't following their own advice. I'm not here to call anyone out, but I also have decided that I am going to come up with my priorities and focus on those instead of being pressured by others as to what to do. Post #566
|
|
zibazinski
Community Leader
Joined: Dec 24, 2010 16:12:50 GMT -5
Posts: 47,910
|
Post by zibazinski on Jan 1, 2015 13:54:55 GMT -5
OP, you'll do fine. The biggest hurdle is recognizing you want to make smarter choices. The rest will fall into place.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 13:55:17 GMT -5
I'm disappointed that the OP spent time "investigating" other posters. What I will say as a long time poster is that everyone here is trying to learn something. No one claims they're perfect (well, except maybe Archie ) and many have been where you've been (myself included). I'm still in the doldrums of paying off debts and I've learned a ton from this board. Some feedback is hard to hear, hard to digest and hard to implement, but it has been incredibly useful to me. I'd suggest OP invests her energy in working on her own improvement plan and not attacking posters who are trying to help. I never used the word investigating, so you are putting words into my mouth and weirdly using quotations to do it. Could you please show me where I have attacked anyone? I have refrained from pointing out specific posters. I simply said that reading other posts has made me realize that some of the advice given was from posters who are talking the talk but not walking the walk. I'm realizing that not everyone who commented was coming from a place of helpfulness, some people are jealous or bitter about their own situations and have to project. That said, I think most of the comments have been meant to be helpful. And I think I have taken a lot away from this discussion
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 13:58:48 GMT -5
Oped- I refuse to call anyone out. I have enjoyed some of your advice and you have given me some good things to think about.
|
|
Deleted
Joined: Oct 6, 2024 10:47:18 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 14:01:09 GMT -5
Please, who do you find bitter and jealous and needing to attack?
Are you sure about who is projecting?
I need to to stop reading this thread.
|
|
Lizard Queen
Senior Associate
103/2024
Joined: Jan 17, 2011 22:19:13 GMT -5
Posts: 14,659
|
Post by Lizard Queen on Jan 1, 2015 14:03:29 GMT -5
Yes, because everyone was advocating barefootedness There are actually 2 posts of people bragging about their kids not wearing shoes at all unless they are going to church or something. And ya, now your general tone with her is really disrespectful. The OP has a good job, her husband is working and she is looking at things before they get critical. I haven't read all the pages, so I'm not sure if you are referring to me, but if you are, you're wrong. Doctors recommend not putting shoes on your baby so that their feet develop properly and they learn to walk properly. This is at home. I don't wear shoes at home either. The kids go out, they wear shoes, just like I do. Before they were walking, they had booties or just socks, depending on the weather. (Their winter snowsuits had built in feet/booties.) Shoes before they are walking are just decoration. You're carrying them around. Any shoes they wear don't even touch the ground.
|
|
moneymaven
Well-Known Member
Joined: Dec 26, 2010 10:05:04 GMT -5
Posts: 1,864
|
Post by moneymaven on Jan 1, 2015 14:06:58 GMT -5
The bottom line is that you came here asking for advice and have been flippant about many of the responses received. Choosing how to proceed only has implications for you, not this online community.
I hope you do some soul searching and start working to be honest with yourself.
|
|
Deleted
Joined: Oct 6, 2024 10:47:18 GMT -5
Posts: 0
|
Post by Deleted on Jan 1, 2015 14:08:20 GMT -5
The bottom line is that you came here asking for advice and have been flippant about many of the responses received. Choosing how to proceed only has implications for you, not this online community. I hope you do some soul searching and start working to be honest with yourself. Seriously? This comment seems sensible to you?
|
|
swasat
Senior Member
Joined: Apr 13, 2011 9:34:28 GMT -5
Posts: 3,735
|
Post by swasat on Jan 1, 2015 14:13:40 GMT -5
The bottom line is that you came here asking for advice and have been flippant about many of the responses received. Choosing how to proceed only has implications for you, not this online community. I hope you do some soul searching and start working to be honest with yourself. Seriously? This comment seems sensible to you? It seems way sensible to me than the flippant attitude projected by OP. Constantly dismissing others or telling them that they don't understand her "priorities"..... Do we even know what her savings and retirement savings looks like? She "says" its adequate. And she is still here asking for opinions and then dismissing them.... Anyways, I have resisted posting on this thread. Outta here now.
|
|
wonderland
Junior Member
Joined: Dec 24, 2014 19:06:29 GMT -5
Posts: 212
|
Post by wonderland on Jan 1, 2015 14:30:37 GMT -5
Is flippant the word of the day on the calendar or something, geez? I don't see how stating that some advice won't work for our lifestyle is "not showing a serious or respectful attitude". It simply means it won't work for our lifestyle. As far as proving my retirement being adequate, I'm not sure what proof you want. I ran the calculators, we are fine. I'm not going to post my bank statements and tax returns on here, which would be the only way to prove anything. Again , as far as "dismissing opinions", it would be impossible to follow every single poster's advice, because it is all so different. I have to choose what sounds most reasonable to me, with my lifestyle.
|
|