Don't work yourself into a bad standard of living

Again, no one wants to take responsibility, and worse, they want their hand held when any risk is involved.

It’s like these new apps that take your extra change and invest it for you... there isn’t any risk. This is why I rail against the Uber’s and Amazons of the world. You convince a populace that it’s “easy”... takes no effort... Zero risk. Take your car (or your money) and all you have to do is deliver a few packages or passengers (or your change) and you make money.

People buy this easy money thinking they don’t have to really work and then are disenchanted with the outcome when it isn’t easy at all.

The new generation better wise up and realize... no one is going to do it for you. Short trucks, getting home every night, easy money, no backing, free CDL school that takes the test for you, trouble free/no stress driving, it’s a fairy tale too many believe in.... this is just this profession.... life is hard, It’s even harder when your stupid... (John Wayne)

 

Is every post some loser saying he never spends any money and saves every dollar he makes?
Puke

 

You clearly have not read mine, I spend all I make. I do invest most of it in fast horses, wild women and good whiskey, but I waste some of it too.

 

The house payment thing is interesting. In my corner of the woods I was always led to believe the house you buy was it. After thirty years, free and clear it was yours. It was THE dream.

I never thought I'd be selling and buying smaller after only 12 years....

Too many get right back on the horse and invest bigger and better when they make a profit..(Which is fine if you enjoy taking risks with your money) What I learned is a house is a means to an end. Its a tool. If you can turn that around and sell it for a good chunk of change, and then invest SMALLER.... your return is obviously going to be greater... and after 50, greater is always better in the retirement kiddie. That has always been my plan. I was lucky... that and I married a woman who is smart.

If you have no plan for what you want your money to do, anything you think you can accomplish throughout your life will be met by frustration. If you can make hard choices about money.. and be smart, life gets easier. Unfortunately it takes until we get older to realize this.

 

Definition of a loser: Someone who couldn't pay their way out of a paper bag and complains when people talk about money because they don't have any.

Many here are offering some excellent tips... too bad you wasted key strokes bemoaning the free advice.

 

I gave up the faster women.. er… younger women? Faster horses too... Although I like my horses in Snowmobiles.... Whiskey? Ugh....

Later....

 

Yeah, because we'd hate for somebody to have to work harder to pay for all that extra crap he just couldn't live without and really couldn't afford.

 

Yeah, why can't Americans just work hard like Iowa80? It's so simple. We are all just lazy. We should all aspire to be like Iowa80.

 

I don't know. I do know about 30% of home purchases are purchased with "cash" or no financing. So, not everyone is $20 dollars from disaster. EVERYONE assumes the rest of society is probably like me, even if they live in a 400 square ft NY apartment, a 50 year old ranch house, live in the city or live in the country, etc. A lot of people like to get offended on behalf of or preemptively protect "others" from some bad decision. The ugly fact is the people most likely to wreck their lives don't care enough about their lives to be careful and the govt and the professional "nannies" are more than happy to grow their business "to protect others" for a small fee and a lot of power. You can save yourself and those around you but you have to let the rest of the world make their own mistakes. If they wanted a better outcome they would ask questions, if not ask for help. They mostly do whatever one of their friends did. They over bought house before 2008 and were foreclosed on after 2008. Trying to help those people before they have trouble is like the cops showing up to a domestic abuse call. The one offering assistance immediately becomes the target. Help those that ask for help and let the others succeed or crash as they will.

 

This loser was saying either work more to cover your spending and saving, but mostly spend less so you don't have to work 100 hours of overtime to avoid having your stuff repossessed. You'll have fat weeks and lean weeks. Don't sign up for payments you can only make if every paycheck must be bigger than the last paycheck. If you spend less than you make you hardly ever have to think about money. If you spend more than you make thinking about money is your second full-time job.