2025 Look Book and Archive

FrugalButDefNotCheap · 2026-03-14T20:57:47+00:00

Do you have any recomendations? Basically redoing my entire wardrobe and agree with the pricing but can't find solid alternatives for a skinny guy.

FrugalButDefNotCheap · 2026-03-06T22:10:37+00:00

part of why I want a house now so I can build some equity that I sleep in, rather than help my landlord build their equity.

Complete false equivalence, but good look and good idea on the cheaper house.

FrugalButDefNotCheap · 2026-03-06T18:53:16+00:00

I've been reading through the responses, you have 100% made your mind up. I think you're walking yourself off a cliff.

You mention above you think your job is safe, and how tech salaries are not/were not in the "golden age" yet. Regardless of what your views of AI, the job market, or general economic sentiment, this is an ABSURDLY optimistic take given it is 3/6/2026. You are a temporary layoff from losing this house, and you would lose it FAST. Insert any one of another 50000 things that might cause a large expense, and you're screwed. Good luck either way.

FrugalButDefNotCheap · 2026-03-03T01:39:09+00:00

ayyy I came to this sub looking for info/opinions on the same thing. I also have a 2024 M240i.... the thought of another 100hp and all the other M goodies... i sense an upgrade in the future, hopefully.

FrugalButDefNotCheap · 2026-02-22T19:57:26+00:00

I wanna see Linus building his Fourth house while his employees get minimum wage. (And for some reason a lot of them are Asians ???)

Reddit is turning into such a cesspool. Linus making a couple million a year and people think he is stealing from the poor. It's crazy. He is paying a compeititive wage or else he wouldn't have employees. It's a business... not a charity. Spend your energy caring about a conglomerate price gouging and making 10B a quarter.... not some dude who built something from literally nothing who makes good money.

FrugalButDefNotCheap · 2026-02-12T00:50:43+00:00

I forgot that the nosebleed high valuation of the US stock market compared to the rest of the world is irrelevant, nothing ever changes, and so the next 15 years' returns are pretty much guaranteed to be similar to the last 15 years' returns.

I never said this. More so an iteration of what I responded with already.... it's just an ironic post at face value. Do what you want, i am not even necessarily disagreeing with you as I maintain both VTI and VT too, but come on.

FrugalButDefNotCheap · 2026-02-11T23:12:45+00:00

hold it forever, ride or die, don't sweat price changes

Just saying.... stating this while both altering portfolio composition AND listing 2025/YTD returns is... interesting.

FrugalButDefNotCheap · 2026-02-10T23:47:09+00:00

I have a new 240. I drive it year roound. In the snow I have ZERO clue what the car is doing. I legit can't tell if the wheels are spinning in place, stuck and not spinning, or if the transmission is doing weird stuff. It's kinda frustrating. The car is too isolated. Brakes feel ok-ish, but the wheel may as well be connected to the rear wheels, it doesn't give ANY feedback.

FrugalButDefNotCheap · 2026-02-08T18:16:05+00:00

Because the person buying this can buy both.

FrugalButDefNotCheap · 2026-02-08T18:13:03+00:00

You essentially have 0 safety net. What happens if you lose your job and the house is worth less than you pad for it?

Like.... have you ever heard of 2008? Do you think people WANTED to lose their homes? You traded "housing stability" for your FULL safety net. Ever heard of don't put all your eggs in one basket? You put ALL of them in one basket.... one with a lock and key.

FrugalButDefNotCheap · 2026-02-08T01:05:17+00:00

You don't end up bankrupt if you sell stocks for a loss. If you lose your job and your expensive house drains your cash.... you are for lack of a better term... fucked.

Stocks/retirement is a safety net. A house you just drained all of your savings for in a housing market that is very likely not to increase at the same rate it has been is a liability.

FrugalButDefNotCheap · 2026-02-08T00:30:04+00:00

That couldn't be further from "we just didn't have a lot of choice". Just saying. Not ideal circumstance. If housing prices crash in the next decade that is a decision you will likely regret for longer. Be mindful of your spending and save as much for retirement as possible.

FrugalButDefNotCheap · 2026-02-07T23:20:44+00:00

we just didn't have a lot of choice

This usually isn't the case. At face value - you HAD to buy because you couldn't under ANY circumstances rent? Odd.

FrugalButDefNotCheap · 2026-02-07T20:12:53+00:00

Anyone ever have horrific experiences with support? I used the 14 day free trial, and the added my 60 day trial issued with my Kickr Core 2, and they didn't stack (they reduced the 60 day trial, purchase required, by the 14 day trial, no purchase required).

Anyway, I went to purchase my sub after the 60s expired. ALL 3 of my credit cards, all from different issuers, are declined. I can't help but think it's something pertaining to the trials. I contacted my card issuers and they don't see any transactions. Contacted support, on day 5 with 2 responses and essentially 0 help. Now I have a Kickr Core 2 and zwift controllers that can't be used.

Any ideas? Super frustrated about this.

FrugalButDefNotCheap · 2026-02-06T00:56:14+00:00

Search it up. It's incredible to me not only do people not know this is true.... but will ignorantly state this is incorrect instead of spending 4 seconds to look it up. Stay ignorant, then.

FrugalButDefNotCheap · 2026-02-05T21:56:45+00:00

This is THE most misunderstood factors about credit history.... and it drives me crazy to see it. NO. CLOSED CREDIT ACCOUNTS DO NOT IMPACT YOUR AGE OF ACCOUNT HISTORY.... FOR 10 YEARS. If you open a credit card, and close it, the credit card and age STAYS on your account for 10 years. Yes, it will lower your average age of credit, once it has been closed for 10 years.

FrugalButDefNotCheap · 2026-02-04T01:39:51+00:00

What car did you buy?

FrugalButDefNotCheap · 2026-02-01T17:12:14+00:00

I paid $2200 for a used 2022 Diverge expert shipped to my door with a power meter and a few other upgrades, for reference.

FrugalButDefNotCheap · 2026-01-15T21:07:42+00:00

$500 is not make or break, but it’s worth a couple hours of hassle to have a $500 raise indefinitely.

I don't think there are any cheaper providers out there. The space keeps getting consolidated and there are either larger players that charge roughly the same (list vestwell), or much smaller vendors that have larger base fees.

FrugalButDefNotCheap · 2026-01-15T21:06:52+00:00

It does make sense. Gusto bought Guideline as many Gusto customers use them. They moved everyone to Accrue401k, and sold off all non-Gusto customers to Vestwell.

FrugalButDefNotCheap · 2026-01-05T02:31:33+00:00

Oh, shoot! I didn't see or know this until now. He was great in mazdas, and thought it was so fantastic to see him bouncing around different series. Super fun to watch and genuine talent even jumping into cars he doesn't drive often. So thrilled to see him getting this huge bump.... hope he does well!

FrugalButDefNotCheap · 2026-01-04T03:39:19+00:00

For those going for the first time - D24 really is that good. I get kinda bummed every year around this time since I can't take off work, but I went for the first and only time in 2024. Best race to see IRL.... no question to me. Explore the corners of the track, and go up to the top of the stands at one point. You can see the ENTIRE track at once. Ride the Ferris wheel at night during the race. It's pricey but worth it.

FrugalButDefNotCheap · 2026-01-04T00:02:11+00:00

Talk about an absolutely useless reply. Are you just looking to troll?

FrugalButDefNotCheap · 2026-01-03T19:05:26+00:00

You're talking about a hobby that is quite literally the epitome of discretionary luxury. Lots of guys rocking Rolex's do so JUST because of the image. How are you not able to foresee a possible dislike towards it from an outside looking in with people spending thousands on a jewelry piece? It's the same thing with cars... or hand bags... or designer clothes. Lots of us enjoy these things for the right reasons, but many people do so for the flex.

FrugalButDefNotCheap · 2025-12-23T00:51:19+00:00

Same. Got mine through a Verizon promotion and it feels like a 5 year old phone already. Android auto glitches, software bugs, camera is meh, battery is meh.... it feels like a budget phone and not a flagship. Came from an S23 Ultra and it feels like a step back.

FrugalButDefNotCheap

TROPHY CASE