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  #101  
Old 02-06-2019, 12:10 PM
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LifeIsAPoissonProcess LifeIsAPoissonProcess is offline
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Crash is a strong term but the current trajectory isn't sustainable. Plus, interest rates will eventually suppress affordability and dampen demand.
We actually just refinanced our house from 4.95% to 4.25%
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  #102  
Old 02-06-2019, 08:58 PM
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What exactly do you think will cause the next housing crash?
I was mostly joking. Though I wouldn’t complain if we saw some type of correction.
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  #103  
Old 02-12-2019, 01:39 AM
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Pay off debt from 2018.

So far, not looking so good.
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  #104  
Old 02-12-2019, 01:43 AM
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So... do you all take into account resale value when doing remodels? Or is it just "I'm dying here, money well spent"...?
Both imo
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  #105  
Old 02-12-2019, 12:07 PM
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This is us. We don't need to spend more than $1500 a month on non-rent/utilities/etc., but seem to always spend $3k+.

If our spending is good this year, I hope to finally pay off non-student loan debt.
From LY's thread.

Paid off about half of total (non-student + student loan) debt in 2018. Plan on finishing off the non-student debt by April/May. Refinanced student debt to 5 year fixed rate so I'll just pay that as scheduled.
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  #106  
Old 02-12-2019, 12:31 PM
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Need some more goals.
Starting to think that these new goals need to be, "spend more money".

I've always been an aggressive saver, but I feel like I'm reaching diminishing returns. When you already save ~60% of your income, it's hard to see what more marginal savings really does for you.

I'll probably be able to save an extra $5K this year, but that doesn't change my financial outlook all that much. I flirted with buying a new TV, but there's really no reason to until I get something that plays 4K content. I really like to travel, but I do about as much of that already as my schedule allows for.

Need to give this some serious though.

Spoiler:
Having kids would certainly solve this "problem!"
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Armchair internet economists are the worst.
President Trump is a white supremacist.

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We've been over this many times, but since some people like to pretend we haven't, I'm using my sig as a place to list the fairly obvious examples of treating whites as superior to others.

Now, when lazy and disingenuous people try to claim ignorance, I'm 100% entitled to dismissing them as lazy or disingenuous. Hope it helps!

The short list
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  #107  
Old 02-12-2019, 12:36 PM
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4K TVs are like $500-600
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  #108  
Old 02-12-2019, 12:38 PM
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Originally Posted by redprinceton View Post
Starting to think that these new goals need to be, "spend more money".

I've always been an aggressive saver, but I feel like I'm reaching diminishing returns. When you already save ~60% of your income, it's hard to see what more marginal savings really does for you.

I'll probably be able to save an extra $5K this year, but that doesn't change my financial outlook all that much. I flirted with buying a new TV, but there's really no reason to until I get something that plays 4K content. I really like to travel, but I do about as much of that already as my schedule allows for.

Need to give this some serious though.

Spoiler:
Having kids would certainly solve this "problem!"
I'm in about the same spot. If you take my post-tax income, I'm saving just over 40%. If you add the principal payments to the mortgage, the percent of my income that's working to increase my net worth is basically half.

So part of me wants to push savings, but at this point if I ramped up another 5%, it's not shaving that much off of my retirement date. So I'm trying not to beat myself up to keep going, my savings rate is probably fine.
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  #109  
Old 02-12-2019, 12:45 PM
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Originally Posted by panther View Post
4K TVs are like $500-600
Never buy a budget one. Spring for a little above that. $800-1k isn't a bad spot for a 50".
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  #110  
Old 02-12-2019, 12:50 PM
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Originally Posted by mathmajor View Post
Never buy a budget one. Spring for a little above that. $800-1k isn't a bad spot for a 50".
budget 4K TVs can be had under $300 (I wouldn't buy one of those). you don't need to spend $1000 on a TV anymore unless you want a huge screen or one that spies on you
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