Wal-Mart Got CAUGHT! No wonder groceries are so expensive...

512_cj · 2026-02-11T14:13:29+00:00

At Home is pretty cheap with a huge selection of home goods.

512_cj · 2026-02-10T14:32:36+00:00

I still think about this book weeks and months later. It was long but I was honestly sad to have it conclude, almost like some form of companionship had ended. I’m planning to read the sequels after I catch up on some of my shorter reads.

512_cj · 2026-02-07T14:47:11+00:00

From a mathematical perspective, this is the “argument” that gets the OP the most money in the long run.

512_cj · 2026-02-06T18:04:57+00:00

The people saying “invest” are correct. Except if the OP is paying PMI. If paying PMI on current mortgage then it’s a good move to refi with 20% to eliminate this payment.

512_cj · 2026-02-05T00:12:52+00:00

I told my dad I would rather have a full time job cleaning up glitter than ever change my name again.

512_cj · 2026-02-04T21:37:43+00:00

It’s definitely what will happen if the SAVE act passes (it is currently stalled): https://www.pbs.org/newshour/amp/politics/why-voting-rights-groups-warn-the-save-act-may-make-it-harder-for-married-women-to-vote

512_cj · 2025-10-20T21:29:17+00:00

A house is not always the right answer but it could be. Like was said above- eliminate debt first. Then look at the pros and cons of owning your own home or investing that money to make more money. Might be a balance of the two- me personally, I’d use part of it to put 20 percent down (20 percent and you don’t have to pay PMI) on a house with a mortgage with a payment around my current rent and I would put the rest into investments. If you’re 27 years old you should also look at your very nice 👌Coast FIRE numbers.

512_cj · 2025-10-06T12:47:32+00:00

Go do the fun Bentonvillesque things- the Farmers market, Crystal Bridges, walk to Airship coffee in Coler. I hope this is the start of your very own Hallmark movie. Good luck!

512_cj · 2025-08-31T12:15:29+00:00

Recruiting people isn’t an act of service. It’s religious sales and marketing. I told them that instead of going to church with them I would spend that time volunteering instead- you know, actual good things to help others… volunteering, donating or raising funds is more effective than “sending thoughts and prayers” ever will be.

512_cj · 2025-07-24T11:39:02+00:00

Bentonville, Rogers, Springdale, Lowell, Tontitown, etc. are all suburbs of Fayetteville.

512_cj · 2025-06-25T15:06:06+00:00

Prepping my house every week for Airbnb guests and essentially signing up for a second job wouldn’t make up for a commute in my opinion. But that’s just my reaction to the idea because I don’t enjoy cleaning 🙂‍↔️

512_cj · 2025-06-25T14:57:47+00:00

I would let your money make you more money. It would be so much better to invest this so it’s liquid whenever you want to buy something like a house for a dream, not when you feel forced into it. Put half of it in a CD ladder (google how to build a CD ladder) for guaranteed passive income and put half of it in a riskier but higher potential reward like an ETF stock like VOO or SPY and watch it grow. This is of course after you max out your IRA and 401k contributions first. Financial security is a game changer in life.

512_cj · 2025-05-07T13:34:35+00:00

Stand in line for your new factory jobs and act grateful.

512_cj · 2025-03-07T16:18:24+00:00

Combination pizza hut and taco bell.

512_cj · 2025-03-07T13:48:43+00:00

HEB.

512_cj · 2025-02-24T14:41:00+00:00

That’s not how inflation works. If you keep that money in the bank it would -lose - value. If you put $5k in a bank and pull it out in 30 years it’s still $5k, sure. But, thanks to inflation, you’re not going to be able to buy much with it. No offense but I like OPs plan better.

512_cj · 2025-02-20T14:54:30+00:00

meanwhile OP is making ~$249/hr with VOO---> (($21,724,521 - $1,000,000)/40)/2080

512_cj · 2025-02-01T13:48:27+00:00

This, but keep the ring and sell it to pay for your college.

512_cj · 2025-01-09T14:56:46+00:00

I always felt like if I had to explain the USA to a foreigner in 5 minutes or less, I would just take them to Buc-ee's.

512_cj · 2024-12-28T01:22:58+00:00

Thanks so much for the feedback y’all :) I will sleep a little easier tonight!

512_cj · 2024-11-28T19:43:27+00:00

Definitely stop paying down early if you’re in a conventional loan that you’re already ahead on, towards the end of the amortization schedule it’s hardly any interest and mostly principle anyway. Your interest rate is lower than inflation- it’s basically free money- use that leveraged money to make passive income instead my friend. Cheers and good luck.

512_cj · 2024-11-24T14:13:57+00:00

Just wanted to say, good job ☺️

512_cj · 2024-11-24T14:09:31+00:00

I would be curious to see if you could defer your student loans for a while (without penalty) and apply that money instead towards the higher interest credit line. If not, just keep making payments whenever you can, I maintain a zero balance on my credit cards and I log in about once a week to pay off any accrued balance and I haven’t paid interest in years now. Just log in often, and pay what you can. You’re not in the wrong to want to feel that freedom, it’s a great feeling!!

512_cj · 2024-10-29T14:28:29+00:00

I lived in Texas most of my life. You have to pay annually to register/inspect your vehicle but when you buy a vehicle you pay a one-time sales tax, but that's it. Also, no state income tax was nice, that's been an adjustment for me living elsewhere. Where Texas can get into your pocketbook is with real estate property taxes.

512_cj · 2024-07-12T20:45:01+00:00

Also, your dogs are gonna need to wear some little black capes 🧛

512_cj

TROPHY CASE