plugginaway22
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Post by plugginaway22 on Feb 3, 2019 17:03:30 GMT -5
We are still working on our 'nest egg', due to me staying home with 3 kids and going back to work full-time when youngest went to school. We know how to live pretty frugally, so it is nice now to splurge on a steak instead of reaching for the hamburger. We also are continuing to travel and did even with 3 kids, took lots of trips, just not the 10k variety. All in moderation.
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Deleted
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Post by Deleted on Feb 3, 2019 22:59:12 GMT -5
Quarter horses are awesome. They're the Laborador Retrievers of the horse world. Please buy lots of products from my company! You'll have to be a little more specific. 🤔
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skubikky
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Post by skubikky on Feb 4, 2019 7:52:22 GMT -5
The nice thing is that she's doing something for you by being a companion. I've done some traveling on my own since DH died and thoroughly enjoyed it but I have to admit that the group tour of India and Nepal that I took with my widowed Aunt was SO much more fun! I also have a younger, unmarried sister who lives in Michigan. It might be fun to pay her fare and meet her either at a vacation spot or at my sister's house in Seattle. The best trip I was ever on was one celebrating my parents 50th anniversary in 1994. There were eight of us family members who spent a couple of weeks in Norway, visiting locations where ancestors were born. We had the very bestest time, even when things went wrong.
My sister and I lost both our parents within the past year and half. They were 85 and 93 but still we miss them very much. We're doing a spa weekend at Mirbeau in Skaneatales, NY together during the summer. Should be fun.
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Post by The Walk of the Penguin Mich on Feb 4, 2019 9:30:30 GMT -5
I also have a younger, unmarried sister who lives in Michigan. It might be fun to pay her fare and meet her either at a vacation spot or at my sister's house in Seattle. The best trip I was ever on was one celebrating my parents 50th anniversary in 1994. There were eight of us family members who spent a couple of weeks in Norway, visiting locations where ancestors were born. We had the very bestest time, even when things went wrong.
My sister and I lost both our parents within the past year and half. They were 85 and 93 but still we miss them very much. We're doing a spa weekend at Mirbeau in Skaneatales, NY together during the summer. Should be fun.
I’ve been here, it’s awesome! Enjoy!
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Mrs. Dinero
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100% about truth & justice. Always trying to give mercy a chance.
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Post by Mrs. Dinero on Feb 4, 2019 10:33:37 GMT -5
“I think some on here understood the importance of saving from a very young age. They are the ones that are ahead, and maybe have some regrets about things they missed earlier in their lives.”
^ Exactly the purpose of this thread’s question.
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Deleted
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Post by Deleted on Feb 4, 2019 11:09:16 GMT -5
You could be me. I haven't saved enough either and the only reason that I have something saved is because at a certain point in my life I clamped down hard on all unnecessary spending. I could not have kept on buying flowers without also preserving several other forms of foolish spending.
I'm surprised that none of the respondents that are ahead of track have said anything similar.
I suspect a lot of people were not as obsessed with 'stuff' as I was. My transformation was pretty noticeable. I've had people even verbalize their surprise and puzzlement with my choices. Some people either didn't come from as much, or learned much earlier in life that buying stuff will only get you so far. Not that I was unique in how I was. Most Americans probably are more like the old me. It was my getting over it that was unusual. It is one of the reasons that 65% of Americans have nothing (or not much) in savings. And why many high earning households have so much debt they are functionally bankrupt. I think some on here understood the importance of saving from a very young age. They are the ones that are ahead, and maybe have some regrets about things they missed earlier in their lives. I was pretty bad in my 20's, early 30's. I started saving young, but I'm sure there were years when I was just contributing to the match. We had a number of years with a lot of income and could have saved a ton, but also bought a lot of expensive stuff. Big house, new truck, snowmobiles, show horses, electronics galore and lots of travel. It took having my life turned upside down to change my way of thinking and I don't see it ever going back to how it was.
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thyme4change
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Post by thyme4change on Feb 4, 2019 17:56:10 GMT -5
I suspect a lot of people were not as obsessed with 'stuff' as I was. My transformation was pretty noticeable. I've had people even verbalize their surprise and puzzlement with my choices. Some people either didn't come from as much, or learned much earlier in life that buying stuff will only get you so far. Not that I was unique in how I was. Most Americans probably are more like the old me. It was my getting over it that was unusual. It is one of the reasons that 65% of Americans have nothing (or not much) in savings. And why many high earning households have so much debt they are functionally bankrupt. I think some on here understood the importance of saving from a very young age. They are the ones that are ahead, and maybe have some regrets about things they missed earlier in their lives. I was pretty bad in my 20's, early 30's. I started saving young, but I'm sure there were years when I was just contributing to the match. We had a number of years with a lot of income and could have saved a ton, but also bought a lot of expensive stuff. Big house, new truck, snowmobiles, show horses, electronics galore and lots of travel. It took having my life turned upside down to change my way of thinking and I don't see it ever going back to how it was.
I love how you think only saving to the match was so disappointing. I went 6 years not saving a dime, not even enough to get the match.
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happyhoix
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Post by happyhoix on Feb 4, 2019 18:42:03 GMT -5
I was pretty bad in my 20's, early 30's. I started saving young, but I'm sure there were years when I was just contributing to the match. We had a number of years with a lot of income and could have saved a ton, but also bought a lot of expensive stuff. Big house, new truck, snowmobiles, show horses, electronics galore and lots of travel. It took having my life turned upside down to change my way of thinking and I don't see it ever going back to how it was.
I love how you think only saving to the match was so disappointing. I went 6 years not saving a dime, not even enough to get the match. The really sad thing is many Americans NEVER save enough to get the match.
People! That's free money!
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Deleted
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Post by Deleted on Feb 4, 2019 20:15:59 GMT -5
I was pretty bad in my 20's, early 30's. I started saving young, but I'm sure there were years when I was just contributing to the match. We had a number of years with a lot of income and could have saved a ton, but also bought a lot of expensive stuff. Big house, new truck, snowmobiles, show horses, electronics galore and lots of travel. It took having my life turned upside down to change my way of thinking and I don't see it ever going back to how it was.
I love how you think only saving to the match was so disappointing. I went 6 years not saving a dime, not even enough to get the match. You're probably still kicking my ass though! I was a failure in the income department, so that 4% match on 15-20K? Meh. I'm glad I did it, but I probably could have made wiser choices that just being a good saver and invested in myself and a career that paid something. I look at some of the income on here and just get pissed off at myself for taking the hard route!
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Lizard Queen
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Post by Lizard Queen on Feb 4, 2019 21:06:42 GMT -5
I don't understand why people are so self-satisfied when all they save is the match. 15% people! Minimum!
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phil5185
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Post by phil5185 on Feb 4, 2019 23:38:39 GMT -5
I don't understand why people are so self-satisfied when all they save is the match. 15% people! Minimum! I'm self-satisfied and I had neither a 'match' or a 'catch-up', lol. I retired before the 'match' was invented - 1998, that's when most companies started paying a match. And the age-50 catch-up hadn't been started yet so I invested the max (the $19000 number in 2019). I began 401k in about 1982, that is when most companies offered them. I maxed it for the 16 years. Even w/o a 'match' and a catch-up, it was nearly a million in 1998.
I wouldn't say that we splurged - but we traveled every year, had motorcycles, quarter horses, ponies, steers, sheep for 4H, horse trailer, trucks, new house on horse property, we put 2 kids thru college, we drive medium cars, etc. IMO, you can do both in parallel - ie, have fun now AND build wealth for later. It's not an either/or. The key is your investment choices and the power of compound interest.
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skubikky
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Post by skubikky on Feb 5, 2019 6:27:07 GMT -5
I don't understand why people are so self-satisfied when all they save is the match. 15% people! Minimum! I'm self-satisfied and I had neither a 'match' or a 'catch-up', lol. I retired before the 'match' was invented - 1998, that's when most companies started paying a match. And the age-50 catch-up hadn't been started yet so I invested the max (the $19000 number in 2019). I began 401k in about 1982, that is when most companies offered them. I maxed it for the 16 years. Even w/o a 'match' and a catch-up, it was nearly a million in 1998.
I wouldn't say that we splurged - but we traveled every year, had motorcycles, quarter horses, ponies, steers, sheep for 4H, horse trailer, trucks, new house on horse property, we put 2 kids thru college, we drive medium cars, etc. IMO, you can do both in parallel - ie, have fun now AND build wealth for later. It's not an either/or. The key is your investment choices and the power of compound interest.
Yes to that. Doing horses typically isn't something you start in your 60's.
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Deleted
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Post by Deleted on Feb 5, 2019 8:38:18 GMT -5
I don't understand why people are so self-satisfied when all they save is the match. 15% people! Minimum! I'm self-satisfied and I had neither a 'match' or a 'catch-up', lol. I retired before the 'match' was invented - 1998, that's when most companies started paying a match. And the age-50 catch-up hadn't been started yet so I invested the max (the $19000 number in 2019). I began 401k in about 1982, that is when most companies offered them. I maxed it for the 16 years. Even w/o a 'match' and a catch-up, it was nearly a million in 1998.
I wouldn't say that we splurged - but we traveled every year, had motorcycles, quarter horses, ponies, steers, sheep for 4H, horse trailer, trucks, new house on horse property, we put 2 kids thru college, we drive medium cars, etc. IMO, you can do both in parallel - ie, have fun now AND build wealth for later. It's not an either/or. The key is your investment choices and the power of compound interest.
Well, that and a good income. Especially a good dual income. It's hard to do it all when a large percentage of your income goes towards basic living expenses.
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thyme4change
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Post by thyme4change on Feb 5, 2019 9:08:09 GMT -5
I'm self-satisfied and I had neither a 'match' or a 'catch-up', lol. I retired before the 'match' was invented - 1998, that's when most companies started paying a match. And the age-50 catch-up hadn't been started yet so I invested the max (the $19000 number in 2019). I began 401k in about 1982, that is when most companies offered them. I maxed it for the 16 years. Even w/o a 'match' and a catch-up, it was nearly a million in 1998.
I wouldn't say that we splurged - but we traveled every year, had motorcycles, quarter horses, ponies, steers, sheep for 4H, horse trailer, trucks, new house on horse property, we put 2 kids thru college, we drive medium cars, etc. IMO, you can do both in parallel - ie, have fun now AND build wealth for later. It's not an either/or. The key is your investment choices and the power of compound interest.
Well, that and a good income. Especially a good dual income. It's hard to do it all when a large percentage of your income goes towards basic living expenses. My income is good, but the real secret sauce is that my hisband's income is also good. We know a lot of people who make more than each of us, but very few households that make more than our household. That, and we have always been terrified that we would lose an income, so we do spend some of that second income, but it isn't committed spend.
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Post by The Walk of the Penguin Mich on Feb 5, 2019 9:37:30 GMT -5
I'm self-satisfied and I had neither a 'match' or a 'catch-up', lol. I retired before the 'match' was invented - 1998, that's when most companies started paying a match. And the age-50 catch-up hadn't been started yet so I invested the max (the $19000 number in 2019). I began 401k in about 1982, that is when most companies offered them. I maxed it for the 16 years. Even w/o a 'match' and a catch-up, it was nearly a million in 1998.
I wouldn't say that we splurged - but we traveled every year, had motorcycles, quarter horses, ponies, steers, sheep for 4H, horse trailer, trucks, new house on horse property, we put 2 kids thru college, we drive medium cars, etc. IMO, you can do both in parallel - ie, have fun now AND build wealth for later. It's not an either/or. The key is your investment choices and the power of compound interest.
Well, that and a good income. Especially a good dual income. It's hard to do it all when a large percentage of your income goes towards basic living expenses. Yeah......Phil tends to forget that.
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Tired Tess
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I'm so ready to wrap it up.
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Post by Tired Tess on Feb 5, 2019 11:09:49 GMT -5
Why bet .25 cents when I could bet $1.00. Every time I won on a quarter bet, I wonder why I didn’t put a dollar in. The one or two times a year I do play the one armed bandit I try to be more generous with myself. Just like life, sometimes you win sometimes you lose.
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garion2003
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Post by garion2003 on Feb 5, 2019 11:36:13 GMT -5
I'm self-satisfied and I had neither a 'match' or a 'catch-up', lol. I retired before the 'match' was invented - 1998, that's when most companies started paying a match. And the age-50 catch-up hadn't been started yet so I invested the max (the $19000 number in 2019). I began 401k in about 1982, that is when most companies offered them. I maxed it for the 16 years. Even w/o a 'match' and a catch-up, it was nearly a million in 1998.
I wouldn't say that we splurged - but we traveled every year, had motorcycles, quarter horses, ponies, steers, sheep for 4H, horse trailer, trucks, new house on horse property, we put 2 kids thru college, we drive medium cars, etc. IMO, you can do both in parallel - ie, have fun now AND build wealth for later. It's not an either/or. The key is your investment choices and the power of compound interest.
Well, that and a good income. Especially a good dual income. It's hard to do it all when a large percentage of your income goes towards basic living expenses. As a single person, I totally agree. My income has risen steadily over the years as I've taken on jobs with more responsibility. But I think back to what life would be like with another income! (Although I'm too set in my ways to really adapt now lol). And while I'm still accumulating my nest egg for retirement (20 or so years away) I am trying to spend a little now on little things. My one big luxury now is that where I used to get a massage twice a year, now I'm doing it sometimes twice a month!
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swamp
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Post by swamp on Feb 5, 2019 11:42:17 GMT -5
My sister and I lost both our parents within the past year and half. They were 85 and 93 but still we miss them very much. We're doing a spa weekend at Mirbeau in Skaneatales, NY together during the summer. Should be fun.
I’ve been here, it’s awesome! Enjoy! So jealous
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swamp
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Post by swamp on Feb 5, 2019 11:43:59 GMT -5
Well, that and a good income. Especially a good dual income. It's hard to do it all when a large percentage of your income goes towards basic living expenses. My income is good, but the real secret sauce is that my hisband's income is also good. We know a lot of people who make more than each of us, but very few households that make more than our household. That, and we have always been terrified that we would lose an income, so we do spend some of that second income, but it isn't committed spend.
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swamp
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Post by swamp on Feb 5, 2019 11:46:57 GMT -5
I struggle with this.
I have pretty much everything I want. Yeah, I'd like a new car, but mines fine. I'd like some new clothes, but I can't be bothered to go shopping. Yeah, I'd like a boat, in theory, but they're just an expensive pain in the ass.
I've started springing for monthly massages and pedicures, and I generally buy whatever groceries I want, but I still will stock up when pasta is 10 for $10.
In general, I want to travel more, but it's hard with the kids in school. I've taken them out to travel, but the school gives me shit about it.
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Gardening Grandma
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Post by Gardening Grandma on Feb 5, 2019 18:35:43 GMT -5
I struggle with this. I have pretty much everything I want. Yeah, I'd like a new car, but mines fine. I'd like some new clothes, but I can't be bothered to go shopping. Yeah, I'd like a boat, in theory, but they're just an expensive pain in the ass. I've started springing for monthly massages and pedicures, and I generally buy whatever groceries I want, but I still will stock up when pasta is 10 for $10. In general, I want to travel more, but it's hard with the kids in school. I've taken them out to travel, but the school gives me shit about it. I’d be willing to bet they learn more from travel....Some friends took their kids out of school for a couple of years to go sailing to the South Pacific. The kids were supposed to be taking correspondence courses, but that didn’t work out. They learned navigation, star constellations, they stood watches, they visited Fiji, the Cook Islands and Australia. The family is musical and they’d set up on the beaches toplay music. Locals would join them for jam sessions. Both kids are now adults anddoing just fine.
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countrygirl2
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Post by countrygirl2 on Feb 5, 2019 19:17:41 GMT -5
We got lucky for 15 years. If it hadn't been for that we would not have had a lot in retirement. We were saving but one salary, well you guys know how that is. Then hubs got this opportunity we couldn't believe. I spent a lot through that time, had a lot of fun, but he made enough we could easily save half or more and we did. Sometimes I wish we had saved 3/4's but are ok. We had some savings before that but would have never ever have what we finally accumulated. And the last 3 years when we knew he was pretty much done, I doubled up. He worked an extra year to pay for our garages and new roof. I wanted hubs to have them, he had done without so much in his life. He is enjoying them thoroughly.
It has taken us longer then we planned to get our rentals here set up again, but we will do it this year. Hubs was drawing out how we are going to put in the new bathroom in the house we are redoing. He has to recheck where the window in the bathroom is to make sure this plan will work, if not we have an alternative placement. So now he is finally feeling better he is getting ready to start on it. Either this week or next week I will start to help him.
This will put our income where we want it by first of next year. YES!
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cktc
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Post by cktc on Feb 5, 2019 19:57:44 GMT -5
I've decided to spend more on coffee. I look forward to it so much every day, it should be more than just a caffeine boost.
I really need to travel more, but also, spend more time and money when I do. My last trip to San Francisco I didn't go to Alcatraz or any museums. You always assume you can see it next time, but there are so many places to see, and who knows when you will make it back. I don't just want a bunch of half checked boxes.
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pooks
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Post by pooks on Feb 6, 2019 12:45:17 GMT -5
Only fixing things when we about to sell them. We still do this and don't seem to be able to correct this behavior. We do it with houses mostly, but somewhat with cars and other items. We will live for years with things not quite right, but know it needs to be fixed. Then we decide to move, fix it, and wonder why we didn't do it years ago. Right now our water heater is broken, so we have been taking lukewarm showers for 18 months. It is stupid. We also don't decorate until we are ready to sell and then kick ourselves over how nice the place looks, but we didn't enjoy it.
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happyhoix
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Post by happyhoix on Feb 6, 2019 16:07:39 GMT -5
Only fixing things when we about to sell them. We still do this and don't seem to be able to correct this behavior. We do it with houses mostly, but somewhat with cars and other items. We will live for years with things not quite right, but know it needs to be fixed. Then we decide to move, fix it, and wonder why we didn't do it years ago. Right now our water heater is broken, so we have been taking lukewarm showers for 18 months. It is stupid. We also don't decorate until we are ready to sell and then kick ourselves over how nice the place looks, but we didn't enjoy it. We're the same way - but I'm afraid if I spend a bunch of money remodeling my kitchen, then don't sell the house for another five years, it will already be out of style.
I figure if I remodel within a year or two of selling the thing, it will still look clean, fresh, and up to date, and I'll get the biggest bang for my buck.
That's about to change with our next house, though - that will be the retirement home, and I want to spend the money up front to make it someplace easy to age in place, made with good quality so it won't have to be remodeled anytime soon. Then once I'm dead, it will be up to DS to decide if he wants to remodel it before he sells it.
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CCL
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Post by CCL on Feb 7, 2019 0:16:23 GMT -5
Only fixing things when we about to sell them. We still do this and don't seem to be able to correct this behavior. We do it with houses mostly, but somewhat with cars and other items. We will live for years with things not quite right, but know it needs to be fixed. Then we decide to move, fix it, and wonder why we didn't do it years ago. Right now our water heater is broken, so we have been taking lukewarm showers for 18 months. It is stupid. We also don't decorate until we are ready to sell and then kick ourselves over how nice the place looks, but we didn't enjoy it. Life is too short to be living with lukewarm showers.
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zibazinski
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Post by zibazinski on Feb 7, 2019 7:38:00 GMT -5
I struggle with this. I have pretty much everything I want. Yeah, I'd like a new car, but mines fine. I'd like some new clothes, but I can't be bothered to go shopping. Yeah, I'd like a boat, in theory, but they're just an expensive pain in the ass. I've started springing for monthly massages and pedicures, and I generally buy whatever groceries I want, but I still will stock up when pasta is 10 for $10. In general, I want to travel more, but it's hard with the kids in school. I've taken them out to travel, but the school gives me shit about it. Schools here have started penalizing parents who do that. Ridiculous. It’s not like kids are learning anyway. My friend whose husband is a musician put her kid in a private school so she could take her daughter with them when they toured interesting places. How many 16 year olds have seen Japan and Africa? Hell, I haven’t. She’s been accepted to Stanford.
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Deleted
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Post by Deleted on Feb 7, 2019 8:36:36 GMT -5
I struggle with this. I have pretty much everything I want. Yeah, I'd like a new car, but mines fine. I'd like some new clothes, but I can't be bothered to go shopping. Yeah, I'd like a boat, in theory, but they're just an expensive pain in the ass. I've started springing for monthly massages and pedicures, and I generally buy whatever groceries I want, but I still will stock up when pasta is 10 for $10. In general, I want to travel more, but it's hard with the kids in school. I've taken them out to travel, but the school gives me shit about it. Schools here have started penalizing parents who do that. Ridiculous. It’s not like kids are learning anyway. My friend whose husband is a musician put her kid in a private school so she could take her daughter with them when they toured interesting places. How many 16 year olds have seen Japan and Africa? Hell, I haven’t. She’s been accepted to Stanford. I have one in public and one in private and the private school is WAY stricter about attendance. It may just be because the public is a grade/middle school and the private is high school, but there is no taking them out of the high school. Most people just schedule their vacations during summer or one of the breaks.
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Deleted
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Post by Deleted on Feb 7, 2019 8:43:39 GMT -5
Schools here have started penalizing parents who do that. Ridiculous. It’s not like kids are learning anyway. My friend whose husband is a musician put her kid in a private school so she could take her daughter with them when they toured interesting places. How many 16 year olds have seen Japan and Africa? Hell, I haven’t. She’s been accepted to Stanford. Just curious- penalizing them in what way? I was in a private HS and one girl took a couple of extra days off at Spring break- her sister had been seriously injured in a car accident and they were going to FL because the sister's doc said the warm weather would help her recovery. The school administration would not budge. She had to make up her lost days with equivalent hours of detention, even though one of the missed days we mostly watched movies.
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hoops902
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Post by hoops902 on Feb 7, 2019 9:21:41 GMT -5
“I think some on here understood the importance of saving from a very young age. They are the ones that are ahead, and maybe have some regrets about things they missed earlier in their lives.” ^ Exactly the purpose of this thread’s question. One of the keys for me, and one of the things I looked for in a partner (both because I value the trait and because being compatible in this area helps) is enjoying things which simply don't cost a lot of money. I don't love travel. My wife likes it somewhat more than I do, but mostly as a getaway to somewhere warm during cold midwest winters. We both enjoy spending time with our families who live relatively close by. My "splurge" is golf, costs me a thousand a year most years. Hers is craft/artsy stuff, costs her a few hundred a year. Give her a day off, she just wants to take the dog to a state park and walk around on the trails or wade through the streams. I expect that now that we've got a couple of kids it becomes doing stuff like that with the kids...being outdoors doesn't cost much/anything. When the things you enjoy are inexpensive, you can pretty much do them as much as you like. I don't feel like I ever really missed out on anything, because from the age of 25 on I pretty much did anything I thought would be enjoyable. It's not like I was making a lot of money at 25, probably 1/3 of what I make now...I just never had expensive tastes or hobbies.
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