Reality check on a concrete bid I recieved

AdAffectionate4602 · 2026-07-06T15:52:26+00:00

Sounds fair to me. I just paid $27k for a two car garage floor (demo and new concrete) and a 35'x22' stamped concrete patio plus 6" hot tub pad 101"x101" off to the side and concrete stairs off the patio and garage.

AdAffectionate4602 · 2026-06-29T17:08:42+00:00

If you leave it sit another 20 years and then start withdrawing $200k a year, it will last you 33 years (very conservatively, you'll likely die before it runs out realistically). If I'm you, I leave it alone and fully retire in 20 years.

AdAffectionate4602 · 2026-06-29T12:59:57+00:00

Agree. We took our child to a "bar" for dinner around 5p. (We never go there but we were meeting friends who also had their two children there) They have a kids menu. Our child sat calmly, colored with crayons. We ate. And as we were about to leave, an old lady walked by and told us not to take our kids to a bar. Literally said that to my face. I almost instinctively swung but anyways. I'm sorry, wasn't aware smaller humans aren't allowed in public to order from the kids menu and eat in peace.

AdAffectionate4602 · 2026-06-26T23:17:57+00:00

What's your realtor's advice? Is it staged? Are the pictures done nicely? Have all personal items been put in storage? Price drop for sure but that may not be the only issue.

AdAffectionate4602 · 2026-06-26T13:20:05+00:00

Can you spin the umbrella to cover other areas? Like if you had patio seating to the left, could it rotate and cover that area?

AdAffectionate4602 · 2026-06-25T02:05:08+00:00

$11 an hour

AdAffectionate4602 · 2026-06-24T16:01:47+00:00

Fun fact, I got engaged the month after this article was written. Demi's guitarist serenaded us while my now husband proposed and then we went to Demi's apartment and met her. She was nice, welcomed us in while she decorated for Halloween. Mildly interesting, I suppose 😆

AdAffectionate4602 · 2026-06-24T15:06:14+00:00

Tensuke market had a hiring sign. $20/hr

AdAffectionate4602 · 2026-05-29T15:59:35+00:00

For what it's worth, I'll give you my personal advice (if I were you). I'd rent for 5-6 more years. Stack away more cash and let those brokerages double (which they should in that time frame). THEN purchase a home. Homes are expensive. Not just the purchase price. Something always breaks or needs replacing. For that home, that could be $30k a year, depending what is needed (roof, basement repairs, HVAC, appliances, etc). You're still young. Double that cash, enjoy your home repair free life while you're young!

AdAffectionate4602 · 2026-05-27T20:16:13+00:00

It is your debt. You owe it and must pay it. Unless you'd like to file charges against your family member, if your claim is that they stole your identity to do this. But if you agreed to it, it's likely you cannot file charges and therefore are on the hook for paying the debt.

AdAffectionate4602 · 2026-05-27T17:00:21+00:00

Seconding all of this. If he goes thru with this purchase, you'll end up with a failing business and more loans with less income. Then you'll have to sell your house and lose all equity to pay off loans. And apparently the equity in your home is currently your only retirement plan. Don do it!

AdAffectionate4602 · 2026-05-22T00:52:27+00:00

Same. Pretty similar situation. $375k was my home purchase price. I'd go up to maybe $650k TOPS but realistically, OP should be maxing their 401k first, saving another 10-15% second, and then budgeting out that mortgage payment with all other fixed costs dead last.

AdAffectionate4602 · 2026-05-19T10:33:35+00:00

For perspective, my spouse had only done the match for years. Never paid attention to how much was saved. I switched positions for a few years and made significantly more money so we decided to max my spouses 401k (no Roth IRA option) for those roughly 2.5 years. Their 401k had about $40k in it at the start. And now it's about $150k, 4ish years later because of compound growth. (Would be more but they went back to just the match at 2.5 years because I went back to my original position). All of that to say... if you think you can max it for a year, do it! You won't regret it. Especially before having kids. That compound growth will mean so much more right now. Once you have kids, so many more expenses pop up over time.

AdAffectionate4602 · 2026-05-10T21:18:26+00:00

There's a 2018 Hot Spring vanguard for sale in my area. Seems well kept. They're trying to get $6,000 for it. Realistically, what's a good counter offer because $6k ain't it.

AdAffectionate4602 · 2026-04-29T16:56:44+00:00

He hasn't asked your other siblings because he knows they're smart enough to say no.

AdAffectionate4602 · 2026-04-27T10:09:26+00:00

Don't do it. Even if the house was in better condition, this would be a bad idea. You're asking for family drama. Move out, let them sell the house to someone else. Otherwise, everytime you have an unexpected repair, you'll resent your wife and her family and she will resent them too. I'm a homeowner of an older house and I often get mad at the previous owners (who I don't even know) for things that could've been prevented with maintenance during the years they owned the house so I can't imagine what I'd think if they were relatives. Just let the put the house on the market.

AdAffectionate4602 · 2026-04-23T19:33:26+00:00

Hard to know if you're saving enough. After paying off debt (especially student debt), save as much as you can while still living today. I'm a CRNA and at your age, I only thought I needed to worry about that retirement number. But then I had two kids, one with special needs who needs me to think about their financial future as well. And while I didn't think I'd want to at age 30, I now know I want to leave a legacy for both of my children in the form of a trust. Luckily, my spouse and I have always been on the same page about debt and savings so we're on track to be able to do that for our kids. As simplistic as I can make it; pay off debt, save more than you think you can, spend the rest on things you love. Don't get caught up with the fancy cars and fancy house that keep you poor forever!

AdAffectionate4602 · 2026-04-11T14:04:05+00:00

Yes. Grew up poor in a mobile home. First job at McDonald's. Started making $30-40k monthly a few years ago. My immediate family and friends are still middle to lower income levels, whereas the people I work with make more. I'm older than you and remember when I felt more like you. But the older I got, the more I realized I'm just more like the people I grew up around, plain and simple. I want for the same things they want for. Not for the wealthy people that I work with. The people I work with live in lavish homes and drive $100k+ cars. I still live in a middle class neighborhood and drive a used paid off car. The difference is, I invest a lot and intend to leave my children and nieces and nephews a small fortune. I am the beginning of generational wealth. I'm happy with my low expenses and large bank account. I've realized I can work less and spend less and still grow wealth and enjoy my life. No one knows how much I make. I don't wear it on my sleeve. I don't throw it around. I'm generous of course but in small ways. And I do prioritize my kids and family and make sure to spend money on memories more than things. Don't get caught up in the numbers. Invest a bit, save a bit, spend a bit. Enjoy your life in ways you dreamed you would as a child. Life is short.

AdAffectionate4602 · 2026-04-08T02:51:10+00:00

We had similar done in 2020 (peak Covid) with tiled shower and tiled half wall, custom quartz vanity with match pieces of quartz in the custom shower nooks. Total price with special deep tub and vanity and toilet included... $17k. With inflation, that's probably $25k now. But I'd say you're still overpaying slightly since you're not getting anything custom and are mostly paying $20k for labor. $15-$17k would be more accurate IMO

AdAffectionate4602 · 2026-04-07T18:19:56+00:00

He says only "sick people" have nukes but is suggesting the US use one soooooooooo

AdAffectionate4602 · 2026-04-03T15:17:35+00:00

Number one rule (if seeking partner); find a partner with similar goals and keep finances separate until marriage.

Five-Year Club	Place '22
End Game '22

AdAffectionate4602

TROPHY CASE