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Much of what you've said here has gone over my head, so I'm going to have to take a hard look at what you've said and do my research. I really appreciate this response. We both have a Roth IRA, but I think I was told that $6,000 was the maximum per year for each, so I haven't put in more than...

Thank you so much everyone for all the responses. I appreciate it! I hope it's not rude for me to respond in general rather than everyone individually. There's so much great advice here. I too have gotten some pretty big expenses that have popped up. My taxes went up substantially on both my...

Thank you so much for the response, I appreciate it. Do you mind if I ask a few questions? Can I ask, what does LAYM mean? You also mentioned automating "principle payments," I didn't even know that was possible to do? I suppose that depends on the brokerage firm. My mortgage is 3.125%, do...

So, I'm a little financially frustrated with myself. I started a new job about 14 months ago where I effectively doubled my income. I have no debt except for a mortgage, have a rental property, two pensions, and lots of 401k savings... so I'm not struggling to be sure. But with my new...

How do you mean "not part of what we can live on or use?" When you say you use it as part of your net worth, you mean you take the intrinsic value and include that in your net worth (along with cash on hand, savings, and home value)?

I do... I don't know. I'm not really doing anything to slow things down. I suppose I'm only taking one class next semester for my latest degree. There are a lot of things I want to get done though, that I just haven't had the time to do. Several home renovations. I do... but I'm not sure I...

Hey guys, I've really appreciated the advice I've gotten from you guys over the past ~14 years. I know I haven't posted a whole lot... but I'm "in a place," right now... and really would like some reflection from others. I first posted back here in 2007 Then again in 2019 And again in 2021...

FYI to everyone on this... just wanted an update. I sold my house in Texas, and the net proceeds from the home (after real estate fees, etc.) was about $183k. Of that, I rolled in about $60k into the next home I'd purchased. I filed my taxes this year (obviously), and I didn't end up...

I used to listen to Slayer, Pantera, and then lighter stuff like Nirvana when I was younger. Now I listen mostly to conservative AM talk radio hahaha. Occasionally I listen to classical music... Vivaldi's four seasons, Holst's Planets, Dvorak, etc.

I've been going to Home Depot a LOT over the past... 8 years now. I'm also a shareholder. It's pretty much been between three Home Depots. I would say, the first two Home Depots, I really like... they're organized, almost always have what I need, and I can get in and out really quick. This...

Hi, thanks. What do you mean by pay the taxman now? Do you mean save some of the money with the intent to pay it in my taxes when I file in January? Or is there some other means by which I pay my taxes early? I sold off about $60k in stocks, and another $25k was just savings ... but they...

Hey guys... I just purchased a new home last month, and am in the process of selling my current home. I did really well on the sale of my home and will be coming into a sum of money and looking for some opinions. Conventional wisdom would have me immediately roll that money into the new home I...

Thank you, yes... and in this case, I'm likely to walk away with ~$150k... plus, it says I can claim the $55-60k I spent on renovations over the past 4 years... which I have all the receipts for. This is fantastic news... I really appreciate it. I looked it up because it almost didn't seem...

This is fantastic!!! I had no idea! That solves it then! I'm going to slowly put it into the stock market, and hold some of it as cash. Thank you so much, I was almost sure it was going to be taxed. I assume it still gets taxed as income... but no, never rented it out. Thank you!

LOL, sorry... I'm not in Fort Lauderdale, that signature is from like 10 years ago.

Guys, would really appreciate some advice. Just a quick backstory... I live in Texas, and am moving to Florida for work. I will be selling the house in Texas, and have already bought a house in Florida. The house in Florida is already funded, and I had to sell all my stocks and basically...

I'm not seeing how the US losing their currency as the currency of choice is a good thing. I see much of our success in this world is as a result of this. Certainly our free-market ideals (which erode daily) propelled us, but that the USD became the globally traded currency is in large part what...

LOL, so true...

Are they? That's a good point. Is China's internal national debt the same as ours (or worse)?

Yes, respectfully... I thought that it was obvious.

I don't think it's appropriate to criticize him for his opinion. The OP asked for advice, and he gave his opinion. My opinion, emotions are just that... emotions. I cry at the drop of a hat... a sad story, a sad movie, the National Anthem, or even a muscle car with a big engine doing a...

Hmm... Barchart actually seems pretty good... thanks!

Hi, we got the Bowflex XCEED, and absolutely love it. We used www.froogle.com to find the lowest price. This ended up being Academy Sports, and the total cost w/ tax was about ~$730. We picked it up within 2 hours of me paying for it. There are a lot of videos online of how best to use it...

What you explain (borrowing as much as you can) is good in successful MMT... that is effectively the point. The inflation devalues the debt. The problem though is what results from MMT... that is, when the USD is no longer the global currency. This would happen almost literally overnight. We...

I have accepted them, that's why I want to be prepared for them.