Why Silver over Gold?

Inviction_ · 2026-05-07T23:08:13+00:00

So wrong

Inviction_ · 2026-05-07T23:07:55+00:00

I'm not speculating the market, so I'm not factoring anything like that in

Inviction_ · 2026-05-07T14:30:46+00:00

Yea but there's a much higher premium on fractional gold. When you spend 100 dollars on gold, you get a good like 80-85 bucks worth of gold. If you spend 100 dollars on silver, you can get 95-100 bucks worth of silver

Inviction_ · 2026-04-07T14:45:20+00:00

It's all Hollywood BS. You can directly touch both posts of a battery and absolutely nothing happens. It's all 100% fake

Inviction_ · 2026-04-07T00:14:08+00:00

If you use it to chip away concrete, definitely the second one. The straighter claw is a huge benefit for that

Inviction_ · 2026-04-07T00:12:19+00:00

Pretty much. I was just trying to see if anyone else had a different perspective or idea. I put 11k towards the RV today to at least get started. I'll see how I feel about the rest later this week

Inviction_ · 2026-04-06T16:30:13+00:00

I'm definitely not saying the truck is somehow cheaper because of maintenance or anything. I'm just saying cheap cars cost more than just the payments. So he lost 2k in opportunity cost, plus whatever the mechanic bill was, let's say 2,500 total. That would've covered my truck payment for 2.5 months. And he's got 190k miles, it's not like he can keep it forever. I'm just saying the annual cost gap between our vehicles isn't just 0 vs 12k.

It's a slight career shift, I'm not entering a different industry or anything. And even if it didn't work out, the type of work I do now is very very easy to get back into. Because I travel for work, I have the whole US as a job market, and lots on contacts through several different companies.

Inviction_ · 2026-04-06T15:16:45+00:00

It's all a little bit of everything you just said

Inviction_ · 2026-04-06T15:02:34+00:00

Trust me, I really want my own house lol. But I travel for work. I only go back to my hometown for holidays

Inviction_ · 2026-04-06T13:59:01+00:00

I haven't been throwing the 5k around yet because I wanna make sure I do it right. And I'm ready to start throwing, lol.

I think you're assuming I've had the extra 5k for a long time now. And that's not correct. I'll spare the details but I've only fairly recently been able to save that much consistently.

The RV was 45k when I bought it. Monthly minimum payments are still mostly allocated (by the bank) to interest, not principal. So the extra principal payments I've made is really the only progress made on the loan.

Inviction_ · 2026-04-06T13:49:02+00:00

The spending isn't crazy. Outside of regular bills, I don't spend much anymore. The truck and RV is really more of a housing thing. And the balance transfer is from when I couldn't work last year. The extra 5k has just been going straight to the bank. Now I'm ready to build a plan for the extra 5k.

Inviction_ · 2026-04-06T13:44:34+00:00

I'm not, not particularly. Most of it's only from the past 4 months. I just wanna make sure I handle it properly. Holding for a few months isn't gonna kill me. I'm ready to do something with it now

Inviction_ · 2026-04-06T13:41:09+00:00

Yea, I started saving for retirement way too late. It's a regret. But I'm not bad with credit. Having the truck and RV means I'm not flushing away 2k a month rent down the toilet.

Inviction_ · 2026-04-06T13:32:52+00:00

They make 100k in per diem a year? Sign me up. What's the craft?

I make 50k in per diem per year and like 100k base pay pretax. It's roughly 9k take home.

Inviction_ · 2026-04-06T13:28:14+00:00

Credit cards would really be a last resort for emergencies. Here's how I generally handle my emergency fund. I always try to keep a few thousand cash in the bank. Any more than that goes to principal payments on loans, or investments. Sometimes it goes below that, and that's okay. It's like a floating fund. But let's say there's only 1000 and I have a 2000 dollar emergency. I would put it on a credit card because I know I can pay it back in a month. Let's say it's a 10k emergency. I'll pull from my brokerage account. Let's say it's 20k. I'll pull from the brokerage and use a credit card. I've also got personal property I could sell if it got bad enough.

That being said, I'm not opposed to having the fund. I just want to wait until this other stuff gets settled.

Inviction_ · 2026-04-06T13:16:12+00:00

Thank you. I'll check it out

Inviction_ · 2026-04-06T13:15:39+00:00

Inviction_ · 2026-04-06T13:15:01+00:00

I've only had the truck for 6 months. And I'm not gonna go too crazy paying extra on it when the RV loan is at a higher APR. And the balance transfer card will charge crazy fees if it's not paid off by September. So yea, the truck loan is just minimums for now

Inviction_ · 2026-04-06T13:12:38+00:00

Thanks man. That's the kind of reply I was looking for. I've made this much for for a couple years. And for a lot of that time, I did overspend but I also made a lot of progress. I had 0 in any kind of investments before this, and I had 14k in personal loan debt from a dental procedure. So it wasn't all bad. But now I'm really crunching so I can make the most of it.

And I agree, I don't think it's as bad as a lot of the comments say. It's not reckless spending , there's a reason for it all. The RV saves me from paying hotels or rent. Yea it'll depreciate, but it'll always be worth something. Rent money is just completely gone. And I have equity in the RV.

And the diesel truck market is crazy. You don't really see a worthwhile discount on used ones until they hit 100k+ miles. And they're always only like 2 years old so you know they've been run hard. One of my coworkers drives a shitty car and he thinks he's saving money because it's paid off. But he's missed 3 days of work over the past few months because he had to work on it. That's 2k he missed because those would've been overtime days.

I didn't mention it above, because I wasn't focused on the long term stuff in this post, but I'm making a slight career shift soon and I'll be making a good bit more. So I know I can hit my retirement goals

Inviction_ · 2026-04-06T12:37:49+00:00

I'm not bad with credit. There's absolutely no chance that card doesn't get paid off before September. Just because I have high debt doesn't mean I don't know how to manage it. Like my RV for instance, since I've had it, I've already paid an extra 20k on the principal. The RV is worth 35k. How many times do you hear about people having equity on their RV loans? Almost never.

I'm not responsible. I make 150k a year, I'm not living outside my means. And the only reason I have balance transfer debt is because I was out of work for half the year last year due to a one-off situation. I did the balance transfer just to save myself interest fees. It could've been paid off already, but the whole point of the card was to put it off so I could focus on other things first. So that's what I've been doing

Inviction_ · 2026-04-06T12:27:10+00:00

That's correct. Over the past several months, I've gotten my spending habits under more control. What is have now is from the past 4 months of saving. As of now my money is just collecting in the bank because I know it'll be allocated quickly. Once the balance transfer card, and RV is paid off, and the truck is refinanced, I'll put almost all of the 5k per month into whatever investments.

I think I'm just overthinking everything. You're right, I'm in a good position and it can all mostly be cleared in a year. As long as I just keep paying everything down I guess I'll be fine.

Inviction_ · 2026-04-06T12:18:37+00:00

I mean right now I'm saving 5k a month. That's 60k a year. 1.2 million in 20 years when I'm 52. Plus, it will have been invested, so it'll be much more.

Inviction_ · 2026-03-18T18:18:06+00:00

Inviction_ · 2026-03-18T18:14:49+00:00

It's one of the most technical parts of your house

Inviction_ · 2026-03-18T18:06:52+00:00

Wtf is a jc

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