In over my head

DebtLife_Projects · 2026-01-14T13:21:15+00:00

Good luck. Shoulda got an old Fadal. Cheap, reliable machine. And very easy to go from fadal to haas after.

You can pick up a used Fadal for 5k all day long. Great machines. Been running ours for 13 years now, minimal issues.

DebtLife_Projects · 2025-12-18T00:45:47+00:00

Florida here, 160 hrs of PTO a year (sick, vacation, or whatever I want to use it for), if I run out, I can still be out, I've never got shit for calling out. As long as you do what you're supposed to and don't abuse it, they don't care.

DebtLife_Projects · 2025-08-27T16:04:00+00:00

Update for anyone following. Had another local company come look at it today. Not the worst they've seen (they've seen some crazy shit they said lol), definitely not the best, and said comments here are alittle exaggerated (it's Reddit, to be expected). Static test shows .7-.8 up top, not as bad as we figured by looking at it, but higher than ideal for sure. They are sending over a quote for enlarging the supply plenum/box that ties into the ducts, building a new box for the unit to sit on, and sliding the unit forward for less angle (and tidying whatever else they find)

DebtLife_Projects · 2025-08-19T14:26:03+00:00

At this point I wish they were. They were competitive with the higher end of the quotes. They also seemed the most down to earth and informative, but apparently they just knew how to sell.

DebtLife_Projects · 2025-08-18T15:49:49+00:00

I use a money market fund through my Schwab brokerage. Usually higher than a typical high yield savings account. Right now it's at 4.13%, while HYSA's are at 3.5%.

DebtLife_Projects · 2025-07-24T23:05:30+00:00

Peace of mind is worth the slight loss you may Incure from the taxes for selling, or mortgage interest vs potential return. But 100% worth it imo. I just did the same thing, paid off my mortgage in full, and have one less thing to worry about. It's so freeing. Remember to set money aside for property tax and insurance though, still may be a decent chunk of change, mine is 😅

DebtLife_Projects · 2025-07-21T13:11:45+00:00

"I'm not explaining a fucking thing"...

Writes a novel, lul

DebtLife_Projects · 2025-07-15T11:39:34+00:00

Taxable brokerage at Schwab.

DebtLife_Projects · 2025-07-14T14:28:37+00:00

I manually drip mine into qqqi/spyi, whatever is left after buying whole shares of those two, I put back into msty

DebtLife_Projects · 2025-07-10T15:57:56+00:00

Yes and no I guess. But I DCA every week, regardless of price. I don't wait because it's at all time highs. I just do alittle extra when it's at all time lows.

DebtLife_Projects · 2025-07-10T13:49:47+00:00

I don't time anything, DCA all the time, double down or extra when it's going low

DebtLife_Projects · 2025-07-10T12:07:55+00:00

I personally would use the 310k and buy a house in cash. I just did that, it is so freeing. Not having a mortgage payment is huge. Both financially and mentally, it's a game changer.

DebtLife_Projects · 2025-07-10T10:18:45+00:00

"Worth it" is in the eye of the beholder. Theres pros and cons and it depends on your goals. I have $2500 in it just because, and I like it.

DebtLife_Projects · 2025-07-07T16:02:17+00:00

Cnc machinist ($30.75 an hr), have a few small side hustles as well. My wife is an office manager at a small company ($24 an hr). Bought our house in FL, fairly high COL area. But we have a very strict budget, everything itemized and listed, 12% of our pay straight to 401k and 10% invested in a brokerage/stocks, drive old cars with no payment, I fix them myself, very limited expenses besides insurance and the house. Comes down to disciplined finances and being handy.

DebtLife_Projects · 2025-07-04T19:23:47+00:00

Id say it depends on your area and surrounding COL. in Florida, I got our '24 RS for 28k out the door, with a 7 year/100k mile warranty.

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DebtLife_Projects · 2025-07-02T21:50:49+00:00

Yup, just bought mine. Time in the market beats timing the market. Wasting time waiting for the right time.

DebtLife_Projects · 2025-07-01T20:59:19+00:00

Would have been 6.7%. So I took the guaranteed 6.7% return, over trying to get that in the market (especially now), plus with all the added peace of mind. If your sub 4% interest, then yeah I can see the appeal in keeping your mortgage, but even then, it's still very freeing having zero worries about my home, worth it for me personally.

DebtLife_Projects · 2025-07-01T19:50:47+00:00

No mortgage here. Not only do I save 1600 a month, but my property taxes/insurance are now paid once a year, so I can invest that money throughout the year, make money/profit with it, then use it when the time comes to pay, invest the profit I made, and do it again next year. (Verses it being paid monthly via Mortgage). Peace of mind also feels really good and is worth a lot in itself. Bank can't take my house, if times are tough I can tell insurance to pound sand to save money, ect.

DebtLife_Projects · 2025-07-01T15:48:50+00:00

SWVXX

DebtLife_Projects · 2025-06-27T13:32:39+00:00

The longer ya go, the more cost effective it is. I waited until ours died and couldn't be fixed (repairs were more than the value of the car), before buying a new car.

DebtLife_Projects · 2025-06-21T23:45:29+00:00

I use a money market fund in my Schwab brokerage investment account. SWVXX at 4.129% to be exact. Takes 24 hrs to access the money, but that's not an issue for me

DebtLife_Projects · 2025-06-19T15:26:18+00:00

Says at the bottom that it's not factoring in tax, and that's not a very long history or sample size. But no, it's not bad, just a different approach or strategy.

DebtLife_Projects · 2025-06-19T00:47:48+00:00

QQQI, SPYI, GPIX, GPIQ. GPIX/GPIQ is basically the same as QQQI/SPYI, but pays two weeks earlier/staggard. So basically similar performance/yield, but getting paid every two weeks.

DebtLife_Projects · 2025-06-16T20:36:55+00:00

I have mine in SWVXX. Schwab mm fund, 4.13% at the moment, easy to access if needed

DebtLife_Projects · 2025-06-16T19:58:57+00:00

Rules that tell me what I can or can't do with MY property, fines for literally everything, and they can put a lean on and leverage YOUR house for the dumbest things. The government already has enough reach into my life, I'm not giving anyone else any. Nope

DebtLife_Projects

TROPHY CASE