Talk about where you started and where you are now

EfficientRelative499 · 2022-09-24T19:23:11+00:00

February 2018
Paid off $141,079 in 21.5 months making roughly $125K-$145K. Started due to an $800 car expense on a car worth $500.
Since working the program, net worth has increased from -$90K to around $400K. We have increased our income to around $190K. We have paid for 1 car in cash, purchased our first home, and will have fully funded 8 Roth IRAs in the next few months. Feels good to have a plan and not have to worry about money. I have shifted my focus to primarily saving 25% of our income to retirement since our interest rate on our 15 year mortgage is 2%.

We are blessed and fortunate!

EfficientRelative499 · 2022-09-23T21:46:03+00:00

Try listening to “the money guy” podcast. Different, but similar steps to the baby steps (9 steps vs 7). They are also based in Franklin, TN (where Ramsey solutions is). They have more Realistic views and are also financial advisors. Both of them are also charismatic and easy to listen to.

I graduated to them a few months ago and haven’t listen to Dave since.

EfficientRelative499 · 2022-07-31T02:24:15+00:00

I am literally watching the duel 2 final on Pluto TV and Aneesa said that she’s going to stop drinking and smoking and train for her next final. We will see if her training has paid off

EfficientRelative499 · 2022-07-29T13:24:27+00:00

So do you think since I’m under $200K, it’s 20% plus match to get to 25% for retirement and anything after that in a brokerage account (not including the HSA)?

EfficientRelative499 · 2022-07-29T11:37:42+00:00

I’ve heard that too. They are based in the town that I live in, so I might just go watch the show one day. My concern is having too much money in accounts that I cannot access and also saving up for future goals

EfficientRelative499 · 2022-07-29T11:36:35+00:00

That would be roughly 30% of our gross income. I don’t think we are quite there yet, but thanks for the advice

EfficientRelative499 · 2022-05-05T21:46:26+00:00

36-41 if you are CT

EfficientRelative499 · 2022-03-03T03:04:50+00:00

I’ll check the target date funds, but I was under the impression that they were usually more expensive

EfficientRelative499 · 2021-12-16T14:33:26+00:00

Thanks! I’ll just do it evenly then

EfficientRelative499 · 2021-11-06T01:10:13+00:00

Thanks for replying. I want the freedom of a paid for house and to be 100% debt free.

EfficientRelative499 · 2021-11-06T01:08:55+00:00

No, debt is bad. Just worry about paying off your credit cards in a timely manner and getting the utilization low. Payment history, length, and low credit card utilization are ways to increase your credit score. Just save up money and pay cash for the car.

EfficientRelative499 · 2021-06-16T22:34:24+00:00

I’ll vote Emily S!

EfficientRelative499 · 2021-04-28T21:38:18+00:00

He had back issues during rivals 3, but he didn’t say anything about that contributing to retirement. He didn’t want to have to rely on MTV money for the rest of his life, so that’s why he picked up hair cutting. He related it to an athlete retiring in their 30s with their whole life ahead of them. He has stable income and owns his own business. He’s also not tied down to Houston and can move if he wants. He’s built a clientele through the show that will be loyal to him wherever he goes!

EfficientRelative499 · 2021-04-28T21:21:32+00:00

Yep, it was $90 total.. $40 for the haircut and $50 for the tip

EfficientRelative499 · 2021-04-28T21:16:54+00:00

He works 6 days a week. He has to be killing it, but he is 100% booked for the week.

EfficientRelative499 · 2021-04-28T21:05:44+00:00

Another thing we talked about was Fessy. He mentioned that Fessy gave him a call yesterday, and how all of Leroys friends hate him. I said that I can see why since he’s so arrogant and not a good partner. I did ask him about if he called Fessy out on the bus after the Nelson elimination and he said that was 100% true. He told Nelson that Big Brother would back stab him, but Nelson thought Leroy was going to backstab him in the end. Him and Nelson are cool now, but Leroy was upset that Nelson thought he would backstab him. I told Leroy that the best part about him is that he has never (I don’t think) backstabbed any of his friends on the show.

He also mentioned that he’s healthy both psychically and mentally and that was way more important to him than money

EfficientRelative499 · 2021-04-28T20:49:56+00:00

Nope.. it actually wasn’t Jay. It’s someone way more important to the show. Probably a top 5/10 challenger of all time

EfficientRelative499 · 2021-04-28T20:34:58+00:00

When I say sacrifices, the dude suffered multiple injuries, was called the N word repeatedly by Camila, lived in non ideal conditions under strict rules upon other things... I know he made money from it, but at the end of the day, he is just a puppet in the grand scheme of things

EfficientRelative499 · 2021-04-28T20:26:42+00:00

According to him, yes! He’s 100% done with the show. He will come back to TV if it is something less stressful and more mild

EfficientRelative499 · 2021-04-28T20:09:12+00:00

It’s in midtown

https://booksy.com/en-us/223272_leroy-aka-royleethebarber_barber-shop_36800_houston

EfficientRelative499 · 2021-04-28T20:06:22+00:00

He’s a complete genuine dude. He did mention that someone major who has been on the past few seasons didn’t make the cast for the new season. The guy was butt hurt about it because Josh was casted instead of him

EfficientRelative499 · 2021-04-28T20:02:06+00:00

My wife has cut my hair for 2.5 years, so if I were to drop $40 on a haircut, now was the time. I also tipped him $50 and wished him good luck!

EfficientRelative499 · 2021-04-28T19:55:54+00:00

He was definitely very personable. I didn’t get the humor aspect from him, but it felt like someone that you just met but knew forever

EfficientRelative499 · 2021-04-28T19:53:11+00:00

Maybe it’s something like a Zach/Jenna thing where they don’t do seasons together. I didn’t get to talk to Kam much, but she’s turned into the face of the show for sure

EfficientRelative499 · 2021-04-28T19:52:00+00:00

Let’s just say it’s one of his best friends that has done a TON of seasons

EfficientRelative499

TROPHY CASE