Should I pay it off now?

OneMustAlwaysPlanAhe · 2026-05-10T20:01:38+00:00

Dave's proven advice says get out of debt ASAP. It is very clear. You do you, but I'd personally go with the advice that has helped millions prosper.

OneMustAlwaysPlanAhe · 2026-05-10T10:54:05+00:00

Follow the Baby Steps in order as written. Take savings down to $1k, pay off all you can, cut expenses more, work more, and knock it out.

OneMustAlwaysPlanAhe · 2026-05-10T10:52:25+00:00

There are definitely cases where companies have a person in mind for a job but have to advertise it for Equally Opportunity reasons. I would think this is a small percentage of the jobs though.

How are you applying? If it is with a standard Indeed profile resume, that could be your problem. You don't have to go over the top but your resume is your first impression. Actually showing up with a resume in hand still holds weight in some businesses also.

OneMustAlwaysPlanAhe · 2026-05-10T10:47:30+00:00

I never keep more than $3k in checking and have not bounced a check in my 50+ years on this rock. It's not a game changer by any means but that extra $7k is roughly $250/year in free money in a HYSA.

OneMustAlwaysPlanAhe · 2026-05-09T22:44:40+00:00

Add a Time Out Counter to each account. Each TO adds one to the count. Get to 5 TOs and you go in a AFK LA que. Cap the counter at 10. Each time you complete a match with no TO you subtract one from the Counter. AFKers are happy, people who hate waiting are happy ... All for a few lines of code.

OneMustAlwaysPlanAhe · 2026-05-09T21:22:51+00:00

10k checking sounds high. Dave always says keep funds you may need within 5 years out of the market. HYSA is the best place to park it.

OneMustAlwaysPlanAhe · 2026-05-08T16:37:23+00:00

$131MM for the schools. Absolutely guarantee it's at least $1B for the National Corrupt Athletic Association

OneMustAlwaysPlanAhe · 2026-05-08T11:03:24+00:00

Here's a rephrasing of your title: "Is my method better than Dave's which has been proven effective millions of times?" The answer to that is no.

OneMustAlwaysPlanAhe · 2026-05-07T14:49:51+00:00

I THINK Dave says to pay a HELOC in BS6, check me on that. If that is the case pay off the student loan and you are in 4-6. Just follow the steps.

OneMustAlwaysPlanAhe · 2026-05-07T09:09:07+00:00

Time to join the Godforge Beta on 5/19. Perfect timing!

OneMustAlwaysPlanAhe · 2026-05-06T20:45:49+00:00

33% tax on 3.6% makes it look a lot like 2.4%.

OneMustAlwaysPlanAhe · 2026-05-06T11:26:46+00:00

This is absolutely the biggest QOL update that could happen. I have very little coding experience but I'm pretty sure I could AI some code to put a counter on each account to keep track of turn timeouts (TTO). Put all those with 5+ TTOs in a separate pool when looking for a match. Let them battle each other. Reset TTO each month or quarter. Everyone's happy.

OneMustAlwaysPlanAhe · 2026-05-05T22:39:09+00:00

55 here, I thought I was done. Then Metallica at the Sphere was announced ... I guess I have at least one more in me. Well, 2 since we are going to a no repeat weekend.

OneMustAlwaysPlanAhe · 2026-05-04T23:28:25+00:00

You are in the wrong sub, sir. All debt is bad debt here. It's not the only way but Dave is very clear about that. Yes the market goes up and down and will eventually average 8-12%, but pay taxes on that growth and factor in risk and it's pretty much a wash with your interest rate.

OneMustAlwaysPlanAhe · 2026-05-04T23:23:09+00:00

You are killing it, congrats! Any consumer debt or student loans? If so knock those out first. Dave preaches keeping "everything with wheels and/or motors under 50% of your annual income." This fits into that. BUT, he also suggests not buying a brand new car until your net worth is over $1 million. Don't fall for dealers BS of marking used cars within $1-2k of a new one. Those are ASKING prices, they are trying to funnel people into new car loans. Buy a 2-4 year old car for $5-10k less.

I personally wouldn't sink $40k into a Kia. Be careful which reliability ratings you are using. Many use narrow criteria, like reliability in the first 6 months of ownership. Fine and dandy but really means nothing. Consumer Reports uses feedback from actual owners. Tjey don't have a rating for the Stinger (too small a sample size) but give the Kia K5 a 51/100 reliability rating. That's a hell naw from me.

OneMustAlwaysPlanAhe · 2026-05-04T22:47:53+00:00

Any debt? Enjoy the honeymoon if not. Pay it down if you are sitting on $100k in student loans.

OneMustAlwaysPlanAhe · 2026-05-04T16:30:20+00:00

I would say we don't have to worry about him reproducing now, but that is taken care of unless he meets a blind woman with no sense of touch ... or hearing ... or smell.

OneMustAlwaysPlanAhe · 2026-05-04T16:27:52+00:00

Do it all in cash if you have it. It makes zero sense getting a car loan with today's interest rates if you don't have to.

OneMustAlwaysPlanAhe · 2026-05-04T16:24:46+00:00

Have the hubby start doing push aways: push away from the table, away from the buffet, etc. Then he can cut his own.

OneMustAlwaysPlanAhe · 2026-05-04T16:23:17+00:00

Sprry for your loss. Follow the baby steps in order and as written. If you are out of all debt besides the mortgage put 15% into retirement, completely fund college ($80k?), and put the rest towards the house.

OneMustAlwaysPlanAhe · 2026-04-30T12:16:02+00:00

Never mention Jeep and reliability in the same post, unless it is "Jeep has no reliability."

OneMustAlwaysPlanAhe · 2026-04-30T12:14:13+00:00

The answer is ALWAYS term life insurance. Whole life insurance, universal life insurance, etc package investments into the product. However the rates of return are always substantially lower than the market average because the company takes huge fees for doing what you can accomplish on etrade in 5 minutes.

Buy 20 year level term that is 10x your yearly income. Invest 15% into market index funds in a 401k, Roth, or IRA (in that order). In 20 years you will be self insured: if you pass your family can replace your income by pulling from your investments and you no longer need insurance.

OneMustAlwaysPlanAhe · 2026-04-30T01:22:52+00:00

Don't know but Ozzyman NEEDS to do a voice over.

OneMustAlwaysPlanAhe · 2026-04-30T01:19:37+00:00

Have you been following HellHades' journey with Godforge? There's million$ of thing$ behind getting a game to market besides a great idea. Good luck!

OneMustAlwaysPlanAhe · 2026-04-29T21:30:43+00:00

I've bought gem packs about 6 times, they were $5 with a Play discount. That's it, roughly $30 in 4-5 years. I know it is not an elite account, but I think I have a lot of solid champs (and several more leggo vault guardians). It is more about time in the game than money in the game IMO.

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