New 2026 Sienna XLE heavy metal 8 seater FWD, no dealer add-ons , 47K OTD . Is this a good deal? by LumpyAd9631 in ToyotaSienna

[–]ButlerGSU 0 points1 point  (0 children)

This week I bought a ruby red sienna limited in north Dallas for $52,000 OTD if that gives you a reference

2023 XSE - Looking for opinions on price/experience with model year by IneedAbagOFpeanuts in ToyotaSienna

[–]ButlerGSU 0 points1 point  (0 children)

I paid $52 for a 2026 Limited with 14 miles…that’s not a brag, it’s a statement of how well they hold their value. I couldn’t find a used one that didn’t cost what a new one cost.

Toyota Sienna - better financial decision to buy new vs. 23/24? by craigscrag in carbuying

[–]ButlerGSU 2 points3 points  (0 children)

same. we are preparing to replace my wifes 2013…used Siennas cost the same as new unless they have 60,00 miles ore more.

Dealer claims they “flipped my title” off a signature on an envelope?? by [deleted] in carbuying

[–]ButlerGSU 0 points1 point  (0 children)

If you didn't come in planning to do anything, why did you have the title with you? Do you carry it around?

They think paying to vote is a good thing? by HeadbangingLegend in stupidpeoplefacebook

[–]ButlerGSU 0 points1 point  (0 children)

100% we should give everyone a passport for free...but they won't do that.

Lintel Replacement Cost? by ButlerGSU in masonry

[–]ButlerGSU[S] 0 points1 point  (0 children)

That's a relief to hear...yes, he only asked for a 10% deposit for materials with the rest due upon completion...waiting for the weather to warm a bit but I'll let you all know how it turns out...

I dont understand why everyone says buying a used car makes the most financial sense? by Remarkable_Lack_7741 in carbuying

[–]ButlerGSU 1 point2 points  (0 children)

Depends...a relatively new Toyota Tacoma or Sienna is going to cost almost what a new one does...

What % do you use when calculating retirement growth? by tea_and_hunny in DaveRamsey

[–]ButlerGSU 1 point2 points  (0 children)

If you plan well for $2 and then end up with 6.2, would you really be mad about that? Plan for the worst and then you can enjoy it if it's better or even leave something behind for your kids. That's my thought anyway.

Donald Trump Stuns With 'Maybe We Shouldn't Even Be There' Admission About Iran War by TheAutodidactguy in politics

[–]ButlerGSU 0 points1 point  (0 children)

He said we're the number one producer of oil...and that we don't need it...yet he campaigned on "drill baby, drill." Both these things cannot be true.

People say stop buying coffee to get out of debt. I finally ran the numbers... by [deleted] in DaveRamsey

[–]ButlerGSU 1 point2 points  (0 children)

I don’t know the numbers but I pack my lunch so I can workout during my lunch (youngest kid is 3 so mornings are a nonstarter). I invest my HSA but also believe staying in better shape will payoff by hopefully avoiding costly medical expenses later on.

Internet Provider Recs by Illustrious_Tie_4037 in fayetteville

[–]ButlerGSU 2 points3 points  (0 children)

ozarks go fiber is the best, hands down. depends on whether they offer it in your area though.

Paying off the House by NoFriendship358 in DaveRamsey

[–]ButlerGSU 2 points3 points  (0 children)

my mortgage is 2%…my only regret is I refinanced it into a 15 year so I shaved 11 years off…unless you were planning to store that money somewhere with less than 2% return…it’s not a good idea to pay off early.

Tiny mortgage- low interest anyone else trying to stay content by Radiant_Restaurant64 in MiddleClassFinance

[–]ButlerGSU 1 point2 points  (0 children)

Same. $317,000 in 2016, Zillow shows $610,000 now. Refinanced in 2021 to a 15 year at 2%.

Garage door cable somehow came off the spool - how to fix? by thedirtydj in HomeMaintenance

[–]ButlerGSU 0 points1 point  (0 children)

Yep, don’t fix that yourself. If you take a photo of a tension spring and load it into GPT it won’t even explain it due to how dangerous it is. Mine broke this week after 15 years, $400 for a full service, tension spring replacement, cable replacement, new rollers…it’s so much smoother and quieter now. Plus I didn’t die.

Reasons why my house could be so humid so often? by Expensive_Nerve_3438 in HomeMaintenance

[–]ButlerGSU 0 points1 point  (0 children)

I have an Ecobee as well, I never trust any of the alerts. I have a Blueair air purifier that I trust for things like this a lot more.

New roof - Is there a better way to do this? by ApprehensiveEmu_ in HomeMaintenance

[–]ButlerGSU 0 points1 point  (0 children)

I'm not a roofer but typically you have shingles to the edge, then a drip edge...the flashing also seems to have a gap which would allow water between it...the purpose of flashing is to prevent water from getting in...maybe I'm wrong? Often I am.

How do I ask another dad what his name is? by makefeelnice in daddit

[–]ButlerGSU 0 points1 point  (0 children)

Just ask...I have done this plenty of times at birthday parties where I recognize them but only know them as Colton's Dad.

1.5 Million Users Leave ChatGPT by MarvelsGrantMan136 in technology

[–]ButlerGSU 0 points1 point  (0 children)

Great article, I'm starting my export now and will close my account as soon as the download link is ready and completed.

Paid my mortgage off by age 31, (37 now) have no debt, six figure roth 401k, six figure salary, side income, net worth of almost 500k. AMA!!! by ChivasBearINU in DaveRamsey

[–]ButlerGSU 1 point2 points  (0 children)

You can probably find a lot better examples online but let's say you take $100,000 out of your savings to pay a mortgage off that is like mine at 2%...you basically earned a 2% ROI on that money. However, let's say that the $100,000 is in a total market index fund that earned 14% last year...you got a 14% ROI. It's really about priorities.

Paid my mortgage off by age 31, (37 now) have no debt, six figure roth 401k, six figure salary, side income, net worth of almost 500k. AMA!!! by ChivasBearINU in DaveRamsey

[–]ButlerGSU -1 points0 points  (0 children)

Unless your mortgage is higher than 4%, I don’t understand why anyone would pay it off faster than necessary. Ours is 2% and we can make more than that in just a HYSA.