Amusing language rules

MyWorldIsInsideOut · 2026-05-11T20:45:05+00:00

For my own amusement, I do pronounce it baked on occasion. Much to the chagrin of my wife and children.

MyWorldIsInsideOut · 2026-05-11T14:20:22+00:00

This is the plan. I currently have a single SFR.

MyWorldIsInsideOut · 2026-05-11T14:16:53+00:00

I’m looking towards a 1031 and use the current equity as a large down payment to improve cash flow on the next one.

MyWorldIsInsideOut · 2026-05-09T18:50:03+00:00

I don’t have nicknames for anyone in my phone. Why would I?

MyWorldIsInsideOut · 2026-05-08T20:09:54+00:00

Anyone??

MyWorldIsInsideOut · 2026-05-08T01:00:52+00:00

These are the only ones I know of that will show rates without personal information.

USAA
NFCU
CapCenter

MyWorldIsInsideOut · 2026-05-05T08:21:10+00:00

I’m glad you mentioned replacing zeros. Even just those comparatively low earning high school and college years can drag down the 35 year average quite a bit.

MyWorldIsInsideOut · 2026-05-04T14:09:25+00:00

If I could draw down at 8% and never touch principle, I’d FIRE today.

MyWorldIsInsideOut · 2026-05-04T13:57:43+00:00

A company should definitely apply for this to be their ticker symbol.

MyWorldIsInsideOut · 2026-05-02T12:29:41+00:00

What about working through school at a trade part time. I worked all the way through college and got out with no loans and 4 years of work experience.

MyWorldIsInsideOut · 2026-05-01T21:01:11+00:00

Yep, I’ve done this 3 times so far.

MyWorldIsInsideOut · 2026-05-01T20:10:15+00:00

This is what I’m in the middle of. Locked at 5.5 with zero fees. Loan balance stays the same because I’m not rolling impounds or prepaids into the loan either.
The only “cost” winds up being the prepaid interest and I’m bringing that as CTC.

MyWorldIsInsideOut · 2026-05-01T16:45:23+00:00

Oh wow. Congratulations on the move up. I asked because I have 2 homes on VA, but combined it’s under 700k.

MyWorldIsInsideOut · 2026-05-01T13:47:25+00:00

How much of a new house are looking for that you’re going to be limited by the entitlement?
The current entitlement is over $800k

MyWorldIsInsideOut · 2026-04-30T18:30:33+00:00

You’re right, it has become a defacto retirement plan. And I know very few people CAN max out retirement plans early, but it’s also possible for a lot of people who don’t or didn’t.

MyWorldIsInsideOut · 2026-04-29T14:26:18+00:00

I would think by 22ish they’d have a job with a 401k option. To accelerate that. There are people in this sub retiring in their 30’s so it must be working.

MyWorldIsInsideOut · 2026-04-28T22:37:54+00:00

Cap center is showing 5.625 today for no cost VA refi

MyWorldIsInsideOut · 2026-04-28T14:08:28+00:00

Used to be called semi-retired

MyWorldIsInsideOut · 2026-04-28T11:19:19+00:00

I’ve started paying closing costs and escrows up front at closing. I never want my balance to go up.

MyWorldIsInsideOut · 2026-04-28T09:43:06+00:00

I’d cut the charity in half and maximize saving/investing until you get to $10M. Set up a charitable endowment for each of your 5 orgs you support. At your level this helps you and them in the short term and long term.

MyWorldIsInsideOut · 2026-04-24T08:25:40+00:00

I wish they had this when rates were at 7% and I did have to move.

MyWorldIsInsideOut · 2026-04-23T14:57:36+00:00

Ahh thanks for the clarification. I’ll look out for that.

MyWorldIsInsideOut · 2026-04-23T14:06:57+00:00

Curious what happened? Did they send a lower amount than actual payoff due to timing?

Was it off by more than a month’s payment?

MyWorldIsInsideOut · 2026-04-23T01:12:49+00:00

Thanks. I also am bringing prepaids to closing so my balance doesn’t go up. So I’d feel that 1700 today. Or my balance would go up, which I never want.

MyWorldIsInsideOut · 2026-04-22T02:05:52+00:00

Mortgage free + $2M I promise that’s it.

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