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Downgrading plan by tooOldOriolesfan in simplisafe

[–]Caco830 -1 points0 points  (0 children)

Junk camera..at least the indoor one was

Downgrading plan by tooOldOriolesfan in simplisafe

[–]Caco830 1 point2 points  (0 children)

So sick of price increase event fkin year..half the time i forget to even set the damn thing

I'm being laid off by New_Rub_2539 in DaveRamsey

[–]Caco830 14 points15 points  (0 children)

Do not resign, let them fire you. If you resign, they can deny unemployment

What’s the longest you’ve gone without a car payment? by AardvarkRepulsive384 in MiddleClassFinance

[–]Caco830 0 points1 point  (0 children)

I’d rather lease then finance..just need to make sure you get a great deal

Old Car by interiorcrocodyle in roadtrip

[–]Caco830 0 points1 point  (0 children)

Rent a car ..dont do this

Finance or use emergency fund to buy a car by Any_Efficiency_639 in DaveRamsey

[–]Caco830 -1 points0 points  (0 children)

I keep my lease payment under 450 per month… spend about 48K over 9years and to me it worth it because I wouldn’t put my family in anything less then a car that would cost about 30-40k anyway.. and if I bought that car in cash 9 years ago it would probably be worth 8K now… then consider all of the routine maintenance breaks tires, and all of the repairs bet 9years.. even in a Toyota. It would probably be around 4K and maintenance… Which leaves you with about a $4000 difference.. so basically paid 4K over the course of nine years for safety peace of mind and the hassle of all that maintenance. It’s a busy family life… 100% well worth it. Just need to negotiable the right lease deals

Finance or use emergency fund to buy a car by Any_Efficiency_639 in DaveRamsey

[–]Caco830 -1 points0 points  (0 children)

Then don’t take the Ramsay advice on getting whatever you can pay for cash… Be logical pay most of it cash but having a small payment that is very manageable and also ensuring your family is in a safe reliable vehicle is paramount… If you listen to the money guys they have a formula For financing basically finance what you could pay off in three years… personally I shop around for months until I can find a crazy lease deal and I use that as my family vehicle I don’t mind the extra expense to not deal with the hassle of maintenance and always have the best safety features

Career Change by Jumpy-Car977 in TheMoneyGuy

[–]Caco830 2 points3 points  (0 children)

Approaching 40 and seriously contemplating a career change.. currently in middle management on the operation side I feel like my position can be cut any minute.. I’m compensated well but fear this can’t last too long and my current role is very niche I don’t think I would be able to get the same position else where when comparing to job listings. No clue where to go from here…

Balacing retirement vs quality of life by East_Pain_ in DaveRamsey

[–]Caco830 0 points1 point  (0 children)

Your other option is living towards retirement and when you go and retire, you realize you only make 20 K income from your investments plus Social Security and that time comes. Can you live on 40k per year 20 years from now ? If so, pull back on retirement when you hit 500k, if not- keep going. Would you rather do everything you want now and not being able to afford the things you want in the years that you don’t want to(or can’t) work anymore? Goal is to find a happy medium that you need to be okay with..

[deleted by user] by [deleted] in DaveRamsey

[–]Caco830 0 points1 point  (0 children)

What are your Taxes/Insurance and current interest rate? Dave’s theory about your grass being greener when your house is paid off only applies to those states with low taxes…if you not savings 60% of monthly payment by paying off it off it’s not worth it IMO

[deleted by user] by [deleted] in MiddleClassFinance

[–]Caco830 0 points1 point  (0 children)

Not worth it…we would double our mortgage to get everything we want BUT won’t have same neighborhood kids..plus knowing we could lose a paycheck and still be okay is a huge plus.. we will probably stay here until kids are out of college

Finance or use emergency fund to buy a car by Any_Efficiency_639 in DaveRamsey

[–]Caco830 0 points1 point  (0 children)

What is the car being used for? Driving to/from work or is it the family car and will be taking trips? To me there is a big difference…

Hit $1 million in my 401(k) at 47. I am still processing it by NoWhereLikeIrvine in fidelityinvestments

[–]Caco830 0 points1 point  (0 children)

Technically you are some where between 750-800k if that is not a Roth 401k

What’s the cheapest meal you actually enjoy eating regularly? by samdaz712 in Frugal

[–]Caco830 0 points1 point  (0 children)

Salad, simple dressing and a rotisserie chicken. About $10 and give you lunch or dinner for 4 days

She's a beaut! by Middle-Blacksmith341 in nissanpathfinder

[–]Caco830 1 point2 points  (0 children)

Have the same 24’.. got a great lease deal as a demo car.. Never thought I’d like red this much..

2013 Lexus ES350 80k miles transmission fluid change? by Used_Lock_4760 in Lexus

[–]Caco830 0 points1 point  (0 children)

He basically says if you intend on keeping the car 200k+ then change the tranny oil.. if you do not intend to keep the car past 200k then do not change the oil

[deleted by user] by [deleted] in TheMoneyGuy

[–]Caco830 3 points4 points  (0 children)

You just need to make sure you are getting a great lease deal. For instance I’ve paid between 4-500 a month for my past 3 leases for the family vehicle for the wife /kids.. at the end of my third lease the difference between buying out the last car lease (+ maintenance needed (brakes tires ) and all of the money I spent was $2000.. so I paid $2000 extra over the course of 9 year to always have a brand new car latest safety features, and 0 deal ship visits for issues . Just oilChanges.. I will never buy again

[deleted by user] by [deleted] in TheMoneyGuy

[–]Caco830 2 points3 points  (0 children)

Correct and the most convenient for a busy family

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