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Posted: 10/21/2016 10:28:26 PM EDT
[#1]
Work harder, get a promotion.
Work less, find off the books work. Either way you have work to do, to get what you want. |
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Posted: 10/21/2016 10:29:39 PM EDT
[#2]
Exercising your white privilege, I see
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Posted: 10/21/2016 10:30:04 PM EDT
[#3]
Quoted:
This is bullshit. What is the point of working your ass off if you can't spend time with your family? I am considering a major financial move: refinancing the house even though we only have six years left. I can do a 30 year mortgage and get our house payment to about $600 and some change. It sounds stupid as hell, but my oldest is about to turn 14. I want to be there to support her through high school. As it stands now, I am obsessed with paying off this damned millstone-around-my-neck house. I wanted so bad to have it payed for by the time my kids were 18. I feel like if I keep working like this, however, I will stand there one day and be able to say nothing but "I own this empty piece of shit now." I'll take any all advice. Something has to give so that I can gain some more time at home. There was a time when I worked 14+ hours a day when my 2 oldest kids were young. One day I decided enough was enough, so I changed jobs to something I could work from home at my own leisure, and went and bought a house at the beach. We moved out there and spent many hours fishing. I coached my kids t-ball team. It was fun. 3 years later I got suckered back into moving back to the city for a job offer. I really miss the beach. Make it happen man! |
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Posted: 10/21/2016 10:31:03 PM EDT
[#4]
I got nothing.
(working half the continent away from home) |
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Posted: 10/21/2016 10:32:49 PM EDT
[#5]
Does the wife work? Can she contribute?
What is your job? Are you working tons of overtime? Or are long hours/travel just part of the gig and you would need to switch careers? I wouldn't refi. I'd would take out a HELOC and tap it if need be. |
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Posted: 10/21/2016 10:37:06 PM EDT
[#6]
You been following that retarded ass Dave Ramsey advice that only applies if you live in a town where houses cost 100k, huh?
You only live once. plus, debt wont matter if hillary gets us nuked. |
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Posted: 10/21/2016 10:38:25 PM EDT
[#7]
Yeah, something to be said about time with the fam. I'm in law enforcement. My particular agency pays shitty, but my schedule is 100% my own (work your 80 in two weeks, however you want). I have contemplated going to other local agencies which pay vast amounts more, but the "more" comes from working overtime for the most part. Furthermore, I would be starting back at the bottom, which means graves for a few years.
The funny part is, is that I don't want much to do with overtime...you really do get sick of not only dealing with the same shit heads, but also the same issues, "hey man, just tell me where that meff is...I'm too lazy to search your cat piss-infested trailer." Suffice to say, OP, I am of the mind that money is not of much consequence. Obviously, you need it to live and what not, but I don't let it get in the way of time with my family. We only get one crack at this life and your kids are only kids this first time around. Cherish it while you can. On the flip side, I know many others who go to work to get away from their wife and kids. I simply can't fathom that. |
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Posted: 10/21/2016 10:38:38 PM EDT
[#8]
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Posted: 10/21/2016 10:40:29 PM EDT
[#9]
Quote HistoryQuoted:
You been following that retarded ass Dave Ramsey advice that only applies if you live in a town where houses cost 100k, huh? You only live once. plus, debt wont matter if hillary gets us nuked. LOL! Yeah, because having no debt and mortgage is "retarded ass." You can't make this shit up. I love you guys. |
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Posted: 10/21/2016 10:40:56 PM EDT
[#10]
Sell the house, downsize, pay for new house up front?
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Posted: 10/21/2016 10:40:56 PM EDT
[#11]
Time is all we have
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Posted: 10/21/2016 10:42:20 PM EDT
[#12]
1. refi and take cash payment back for equity then put that money in an interest earning account and let it pay itself back. Don't touch the money unless you have an emergency.
2. get work from home job as you magically get 2 hours of your life back AND about $5000-7000 free bonus by eliminating associated expenses. 3. see your family a hell of a lot more 4. if you have car payments, you need to ditch those and buy 10-15,000 used cars. |
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Posted: 10/21/2016 10:43:25 PM EDT
[#13]
Quote HistoryQuoted:
Sell the house, downsize, pay for new house up front? This is what I was thinking. |
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Posted: 10/21/2016 10:43:38 PM EDT
[#14]
Quoted:
This is bullshit. What is the point of working your ass off if you can't spend time with your family? I am considering a major financial move: refinancing the house even though we only have six years left. I can do a 30 year mortgage and get our house payment to about $600 and some change. It sounds stupid as hell, but my oldest is about to turn 14. I want to be there to support her through high school. As it stands now, I am obsessed with paying off this damned millstone-around-my-neck house. I wanted so bad to have it payed for by the time my kids were 18. I feel like if I keep working like this, however, I will stand there one day and be able to say nothing but "I own this empty piece of shit now." I'll take any all advice. Something has to give so that I can gain some more time at home. With the way the economy is going, your kids might move back in in their 20s, so your home won't be empty! 
Its up to you, how you want to refinance. You could do a 15 year or 20 year fixed-rate mortgage too. |
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Posted: 10/21/2016 10:44:15 PM EDT
[#15]
Quote HistoryQuoted: Does the wife work? Can she contribute? What is your job? Are you working tons of overtime? Or are long hours/travel just part of the gig and you would need to switch careers? I wouldn't refi. I'd would take out a HELOC and tap it if need be. Yeah, the wife works. I'm just working odd hours, plus overtime. It's the nature of my chosen field. I could maybe do a different job within the same field and have a more normal schedule, though. Maybe. The one good thing about my situation is that things tend to slow down in the summer. The kids and I get to do a lot of fun stuff then. Perhaps I'm just being a pussy after working a couple of 70+ hour weeks. |
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Posted: 10/21/2016 10:44:28 PM EDT
[#16]
Found the OP:
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Posted: 10/21/2016 10:46:19 PM EDT
[#17]
I've had to make the same call... The time with my kids has been worth the money loss - they're only this small once. Work your ass off when they're teenagers and don't want to hang with dad anyway.
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Posted: 10/21/2016 10:47:20 PM EDT
[#18]
Quote HistoryQuoted:
1. refi and take cash payment back for equity then put that money in an interest earning account and let it pay itself back. Don't touch the money unless you have an emergency. 2. get work from home job as you magically get 2 hours of your life back AND about $5000-7000 free bonus by eliminating associated expenses. 3. see your family a hell of a lot more 4. if you have car payments, you need to ditch those and buy 10-15,000 used cars. talk about depreciating assets. where would you even park 10-15,00 cars at? 
being a used car dealer isn't going to help him, especially with that amount of inventory.
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Posted: 10/21/2016 10:47:39 PM EDT
[#19]
Quote HistoryQuoted:
LOL! Yeah, because having no debt and mortgage is "retarded ass." You can't make this shit up. I love you guys. Quote HistoryQuoted:
Quoted:
You been following that retarded ass Dave Ramsey advice that only applies if you live in a town where houses cost 100k, huh? You only live once. plus, debt wont matter if hillary gets us nuked. LOL! Yeah, because having no debt and mortgage is "retarded ass." You can't make this shit up. I love you guys. he says "save up, dont get a mortgage, pay cash." -ridiculous, unless you live in a place where houses are extremely cheap or your income is very large. he says "Cash out your investments that pays 8% and pay off your 3% mortgage" -retarded |
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Posted: 10/21/2016 10:47:47 PM EDT
[#20]
"Sorry. I have other plans." Unless you are working for yourself. I worked about 600 hours of overtime last year. Most definitely not worth the time, I should have been doing work at home. |
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Posted: 10/21/2016 10:49:07 PM EDT
[#21]
Quote HistoryQuoted: talk about depreciating assets. where would you even park 10-15,00 cars at? being a used car dealer isn't going to help him, especially with that amount of inventory. Quote HistoryQuoted: Quoted: 1. refi and take cash payment back for equity then put that money in an interest earning account and let it pay itself back. Don't touch the money unless you have an emergency. 2. get work from home job as you magically get 2 hours of your life back AND about $5000-7000 free bonus by eliminating associated expenses. 3. see your family a hell of a lot more 4. if you have car payments, you need to ditch those and buy 10-15,000 used cars. talk about depreciating assets. where would you even park 10-15,00 cars at? being a used car dealer isn't going to help him, especially with that amount of inventory.  |
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Posted: 10/21/2016 10:49:18 PM EDT
[#22]
Quote HistoryQuoted:
Yeah, something to be said about time with the fam. I'm in law enforcement. My particular agency pays shitty, but my schedule is 100% my own (work your 80 in two weeks, however you want). I have contemplated going to other local agencies which pay vast amounts more, but the "more" comes from working overtime for the most part. Furthermore, I would be starting back at the bottom, which means graves for a few years. The funny part is, is that I don't want much to do with overtime...you really do get sick of not only dealing with the same shit heads, but also the same issues, "hey man, just tell me where that meff is...I'm too lazy to search your cat piss-infested trailer." Suffice to say, OP, I am of the mind that money is not of much consequence. Obviously, you need it to live and what not, but I don't let it get in the way of time with my family. We only get one crack at this life and your kids are only kids this first time around. Cherish it while you can. On the flip side, I know many others who go to work to get away from their wife and kids. I simply can't fathom that. I am in the exact same boat. I have no desire to work OT. I will work it if called, but don't work late to get stuff done. I can do it tomorrow. My bills are paid off my salary, everything else is gravy. Time with my family and doing things I enjoy are more important than a Dave Ramsey gazelle intense time frame to pay shit off. |
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Posted: 10/21/2016 10:50:46 PM EDT
[#23]
I've spent my adult life consistently working a shit ton of hours. I have a failed marriage and a string of failed relationships to show for it. Well, the marriage failure was due to religion... We won't count that here. But I have a very strained relationship with my parents and brother as well, and haven't seen my best friends in over a year now. I am trying like hell to undo some of this. It's tough. Lots of regret and wasted time. My new life goal is not to make more money but to not work so damn much.
Work ain't worth it. That being said, no way in hell I'd refi this close to payoff either. Is there middle ground? Why do you have to work so much? |
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Posted: 10/21/2016 10:55:50 PM EDT
[#24]
Sell the house, move to something smaller and less costly.
I work to provide for my family, and that includes providing me for them. If I took a job where I had to commute for 2 hours a day, we could live in a big house with a swimming pool in a really wealthy neighborhood and drive new cars. All it would cost me is being with my family. No contest. |
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Posted: 10/21/2016 10:56:46 PM EDT
[#25]
People say that debt is bad, but honestly, mortgages are the cheapest money you can get. Refinance the house, give yourself some time and pocket money for enjoying with your kids. You can always save for retirement and pay off your mortgage, but your kids are only young once.
Posted Via AR15.Com Mobile |
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Posted: 10/21/2016 10:57:54 PM EDT
[#26]
Do what it takes to make it happen. You won't regret spending time with your family especially the kids before they are gone.
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Posted: 10/21/2016 10:58:22 PM EDT
[#27]
I work an odd shift so when I wake up my son is already at the babysitters house and when I get home he's already asleep. Sometimes my wife goes in late enough that I can wake up early and spend some time with him. I will say this, I respect my dad for working his ass off to provide for us when I was a kid, but I wish we had more memories together. We have a great relationship now and we've got more time to spend together now that we're both off weekends. I dont have a great job or house, but I have the ability to provide for my family and make memories over the years with them. Nothing else matters.
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Posted: 10/21/2016 10:59:34 PM EDT
[#28]
your kids are going to live past 18yrs old. you will be house debt free for the rest of their lives and can be with them
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Posted: 10/21/2016 11:01:58 PM EDT
[#29]
Quote HistoryQuoted:
he says "save up, dont get a mortgage, pay cash." -ridiculous, unless you live in a place where houses are extremely cheap or your income is very large. he says "Cash out your investments that pays 8% and pay off your 3% mortgage" -retarded Quote HistoryQuoted:
Quoted:
Quoted:
You been following that retarded ass Dave Ramsey advice that only applies if you live in a town where houses cost 100k, huh? You only live once. plus, debt wont matter if hillary gets us nuked. LOL! Yeah, because having no debt and mortgage is "retarded ass." You can't make this shit up. I love you guys. he says "save up, dont get a mortgage, pay cash." -ridiculous, unless you live in a place where houses are extremely cheap or your income is very large. he says "Cash out your investments that pays 8% and pay off your 3% mortgage" -retarded You obviously have never listened to Dave Ramsey. |
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Posted: 10/21/2016 11:02:00 PM EDT
[#30]
Working in the film world I'm in the same boat and it won't change anytime soon. I say goodbye to the gf in the morning, and by the time I get home she's asleep. So we really only have weekends to do stuff. I can't complain though, I picked this career path.
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Posted: 10/21/2016 11:02:01 PM EDT
[#31]
Quoted: This is bullshit. What is the point of working your ass off if you can't spend time with your family? I am considering a major financial move: refinancing the house even though we only have six years left. I can do a 30 year mortgage and get our house payment to about $600 and some change. It sounds stupid as hell, but my oldest is about to turn 14. I want to be there to support her through high school. As it stands now, I am obsessed with paying off this damned millstone-around-my-neck house. I wanted so bad to have it payed for by the time my kids were 18. I feel like if I keep working like this, however, I will stand there one day and be able to say nothing but "I own this empty piece of shit now." I'll take any all advice. Something has to give so that I can gain some more time at home. I never was home for my oldest sons birthday until he was 12, just spend the time you can with them and work for a goal of retiring early. We had two more kids late in our marriage with my son being born when my wife was 37. I just retired in Feb and I am 47 now, I got to spend more time with my last few kids and will enjoy watching them grow up. Everyone has to work, just make the best of you time and plan accordingly as we only get so much time on this planet before we are worm dirt. The better you plan, the earlier you get to retire. Free |
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Posted: 10/21/2016 11:03:34 PM EDT
[#32]
Is there any way you work with your kids? For example, i started working the concessions at my niece's volleyball school games. I get to watch her play. I get paid $10/hr for watching popcorn and filling it up. Most importantly i get to flirt with the hot single divorcees. It is my old private school so i know momma got a nice payout. It is two nights a week for 4 hours. I really started this as a favor for my sister (she is a teacher there) and the athletic director as i want to start coaching basketball.
Moral of the story if you change jobs and take a pay cut, there are outside cash jobs to help offset the cost.
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Posted: 10/21/2016 11:04:48 PM EDT
[#33]
I'm at work right now.
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Posted: 10/21/2016 11:06:13 PM EDT
[#34]
Quote HistoryQuoted:
I understand, I did 25 yrs in the Army and hardly saw my two oldest grow up. I never was home for my oldest sons birthday until he was 12, just spend the time you can with them and work for a goal of retiring early. We had two more kids late in our marriage with my son being born when my wife was 37. I just retired in Feb and I am 47 now, I got to spend more time with my last few kids and will enjoy watching them grow up. Everyone has to work, just make the best of you time and plan accordingly as we only get so much time on this planet before we are worm dirt. The better you plan, the earlier you get to retire. Free Quote HistoryQuoted:
Quoted:
This is bullshit. What is the point of working your ass off if you can't spend time with your family? I am considering a major financial move: refinancing the house even though we only have six years left. I can do a 30 year mortgage and get our house payment to about $600 and some change. It sounds stupid as hell, but my oldest is about to turn 14. I want to be there to support her through high school. As it stands now, I am obsessed with paying off this damned millstone-around-my-neck house. I wanted so bad to have it payed for by the time my kids were 18. I feel like if I keep working like this, however, I will stand there one day and be able to say nothing but "I own this empty piece of shit now." I'll take any all advice. Something has to give so that I can gain some more time at home. I never was home for my oldest sons birthday until he was 12, just spend the time you can with them and work for a goal of retiring early. We had two more kids late in our marriage with my son being born when my wife was 37. I just retired in Feb and I am 47 now, I got to spend more time with my last few kids and will enjoy watching them grow up. Everyone has to work, just make the best of you time and plan accordingly as we only get so much time on this planet before we are worm dirt. The better you plan, the earlier you get to retire. Free The future is never guaranteed. All we really have is right now. |
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Posted: 10/21/2016 11:06:37 PM EDT
[#35]
Quote HistoryQuoted:
Sell the house, downsize, pay for new house up front? Ding ding ding! Winner!! That is what I did when my son was 14 (now 26) and my daughter was 9 (now 21). Left a very good paying job, sold a 3700 sq ft house and moved into 1500sg ft. My kids never bring up the big house with the pool or all the toys they had but they do bring up "when dad was always working and never home." My wife and I went into business for ourselves and never looked back. |
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Posted: 10/21/2016 11:10:46 PM EDT
[#36]
Quote HistoryQuoted:
he says "save up, dont get a mortgage, pay cash." -ridiculous, unless you live in a place where houses are extremely cheap or your income is very large. he says "Cash out your investments that pays 8% and pay off your 3% mortgage" -retarded Quote HistoryQuoted:
Quoted:
Quoted:
You been following that retarded ass Dave Ramsey advice that only applies if you live in a town where houses cost 100k, huh? You only live once. plus, debt wont matter if hillary gets us nuked. LOL! Yeah, because having no debt and mortgage is "retarded ass." You can't make this shit up. I love you guys. he says "save up, dont get a mortgage, pay cash." -ridiculous, unless you live in a place where houses are extremely cheap or your income is very large. he says "Cash out your investments that pays 8% and pay off your 3% mortgage" -retarded At no point has he ever said pay cash for your house. If you can it is good, but he never says you have to pay cash for your house. Quit lying. All Ramsey does is tell people common sense shit. Don't borrow money and save and invest. Not sure what the problem is. |
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Posted: 10/21/2016 11:15:41 PM EDT
[#37]
Look for another job. If it requires a refi of the home then fine do it. It may not. If you refi keep 20 percent equity and take out all the rest and invest it in a well diversified portfolio assuming you have a 12 month cash reserve and no high interest rate debt.
It makes no financial sense to pay off a mortgage these days with debt so cheap unless it is just something you want to do. |
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Posted: 10/21/2016 11:15:56 PM EDT
[#38]
Quote HistoryQuoted:
Yeah, the wife works. I'm just working odd hours, plus overtime. It's the nature of my chosen field. I could maybe do a different job within the same field and have a more normal schedule, though. Maybe. The one good thing about my situation is that things tend to slow down in the summer. The kids and I get to do a lot of fun stuff then. Perhaps I'm just being a pussy after working a couple of 70+ hour weeks.
Quote HistoryQuoted:
Quoted:
Does the wife work? Can she contribute? What is your job? Are you working tons of overtime? Or are long hours/travel just part of the gig and you would need to switch careers? I wouldn't refi. I'd would take out a HELOC and tap it if need be. Yeah, the wife works. I'm just working odd hours, plus overtime. It's the nature of my chosen field. I could maybe do a different job within the same field and have a more normal schedule, though. Maybe. The one good thing about my situation is that things tend to slow down in the summer. The kids and I get to do a lot of fun stuff then. Perhaps I'm just being a pussy after working a couple of 70+ hour weeks.
Stop being coy/a dipshit. What do you do? I'd be willing to bet that there are 10+ men reading this thread that could help you out if they knew your occupation. |
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Posted: 10/21/2016 11:17:19 PM EDT
[#39]
Quote HistoryQuoted:
Sell the house, downsize, pay for new house up front? |
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Posted: 10/21/2016 11:18:13 PM EDT
[#40]
When I'm about to die and know it, I seriously doubt I'm going to say to myself "I wish I had worked more hours when my son was three years old".
What I would regret is not spending time with him. Yeah, you gotta make a living, but the boy is only going to be 3 once. And right now, this world is his. His world is mine, and I'm anticipating and looking forward to this being my SOP for the foreseeable future. I actually put in my last day at work in my current position today. I gave 4 months notice, participated in the search and screen committee to replace my position, and trained my replacement up to working overtime on my last day. I'm walking away from a very comfortable job that would easily have carried me through "retirement". How I raise my boy, and having influence on how he is raised, is more important to me than what I do to make money. Don't get me wrong, I have ways to make money, but it's not going to be at the expense of how I want my boy to grow up. |
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Posted: 10/21/2016 11:29:14 PM EDT
[#41]
Quote HistoryQuoted:
your kids are going to live past 18yrs old. you will be house debt free for the rest of their lives and can be with them My mother unexpectedly died a few weeks ago. I have an 11 year old sister that doesn't have a mom now. Screw work, spend time with family. I'm getting reacquainted with my father. See him almost every day now. All I knew of him while growing up was working. What I would give for more time with my mom 
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Posted: 10/21/2016 11:29:23 PM EDT
[#42]
Well, this is arfcom, and so many proudly brag about working 80 hour weeks as if that's something to be proud of.
 You'll get a warped view here because we all need to suck the company cock and be company men, even if our families grow to resent us for it.
Time is something you'll never, ever get back. You're not exactly in debt over your head are you? If not, who fucking cares about having some debt? What's it matter these days? Our money is worthless, the country is going to shit, and what'll happen if you can't pay debts to giant banks that are all in bed with a corrupt government and all working the system the same as a fucking welfare leech? Seriously, who cares? My opinion would be different if this was your business, and/or you lived in a place where 700K buys you a 3bd/2br ~1,200sqft house. Time is something you'll never get back. One day you may be laying in bed dying or after you've had a stroke/heart attack from working yourself to death, literally. Will you say "oh I wish I worked more because I wanted to pay off the house" or will you say "fuck I wish I spent more time with my family"? Fuck working yourself to death. There has to be a balance. You can't live without working (unless you're a welfare leech or politician), but you can't live if all you do is work. |
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Posted: 10/21/2016 11:35:56 PM EDT
[#43]
Quote HistoryQuoted:
At no point has he ever said pay cash for your house. If you can it is good, but he never says you have to pay cash for your house. Quit lying. All Ramsey does is tell people common sense shit. Don't borrow money and save and invest. Not sure what the problem is. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
You been following that retarded ass Dave Ramsey advice that only applies if you live in a town where houses cost 100k, huh? You only live once. plus, debt wont matter if hillary gets us nuked. LOL! Yeah, because having no debt and mortgage is "retarded ass." You can't make this shit up. I love you guys. he says "save up, dont get a mortgage, pay cash." -ridiculous, unless you live in a place where houses are extremely cheap or your income is very large. he says "Cash out your investments that pays 8% and pay off your 3% mortgage" -retarded At no point has he ever said pay cash for your house. If you can it is good, but he never says you have to pay cash for your house. Quit lying. All Ramsey does is tell people common sense shit. Don't borrow money and save and invest. Not sure what the problem is. I admit I don't listen much. The times I have, someone always calls and says something like they have 50k in savings and owe 50k on mortgage @ 25% LTV and he advises them to pay off mortgage. Then I change channel. |
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Posted: 10/21/2016 11:36:39 PM EDT
[#44]
Quoted:
This is bullshit. What is the point of working your ass off if you can't spend time with your family? I am considering a major financial move: refinancing the house even though we only have six years left. I can do a 30 year mortgage and get our house payment to about $600 and some change. It sounds stupid as hell, but my oldest is about to turn 14. I want to be there to support her through high school. As it stands now, I am obsessed with paying off this damned millstone-around-my-neck house. I wanted so bad to have it payed for by the time my kids were 18. I feel like if I keep working like this, however, I will stand there one day and be able to say nothing but "I own this empty piece of shit now." I'll take any all advice. Something has to give so that I can gain some more time at home. You can make money, you can't make more time. Quit and spend time with the people who care for you. |
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Posted: 10/21/2016 11:41:56 PM EDT
[#45]
Teenagers rarely want parents to be anywhere near "there". Keep working and pay off that debt.
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Posted: 10/21/2016 11:43:41 PM EDT
[#46]
Quote HistoryQuoted:
Work harder, get a promotion. Work less, find off the books work. Either way you have work to do, to get what you want. This is 2016, please stop giving such ridiculous "advice". Ladder climbing and being rewarded within your own organization/company is dead and gone. If he "works harder" at his current place he'll just be stuck there forever. |
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Posted: 10/21/2016 11:43:49 PM EDT
[#47]
Regrets.....I can't imagine someone on their death bed saying.....
"I should have spent more time at work." Aloha, Mark |
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Posted: 10/21/2016 11:49:52 PM EDT
[#48]
Don't learn to drive a semi-truck.
I've been raising kids for 25 years, and driving over the road for 22 of them, and it sucks. Luckily, the youngest will be 18 in a month, and they're all good, productive members of society. |
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Posted: 10/21/2016 11:55:22 PM EDT
[#49]
Save enough for a one way ticket to Hawaii for everyone. Quit, then you can have bum adventures in paradise as a family!
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Posted: 10/21/2016 11:59:42 PM EDT
[#50]
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I admit I don't listen much. The times I have, someone always calls and says something like they have 50k in savings and owe 50k on mortgage @ 25% LTV and he advises them to pay off mortgage. Then I change channel. Quote HistoryQuoted:
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You been following that retarded ass Dave Ramsey advice that only applies if you live in a town where houses cost 100k, huh? You only live once. plus, debt wont matter if hillary gets us nuked. LOL! Yeah, because having no debt and mortgage is "retarded ass." You can't make this shit up. I love you guys. he says "save up, dont get a mortgage, pay cash." -ridiculous, unless you live in a place where houses are extremely cheap or your income is very large. he says "Cash out your investments that pays 8% and pay off your 3% mortgage" -retarded At no point has he ever said pay cash for your house. If you can it is good, but he never says you have to pay cash for your house. Quit lying. All Ramsey does is tell people common sense shit. Don't borrow money and save and invest. Not sure what the problem is. I admit I don't listen much. The times I have, someone always calls and says something like they have 50k in savings and owe 50k on mortgage @ 25% LTV and he advises them to pay off mortgage. Then I change channel. 50k in savings that is outside of your retirement is what he advocates using to pay off the mortgage. He isn't telling anyone to cash out the 401k to pay it off. Not sure why it is a bad idea to not have to make payments on something anymore. |
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