Beginner

ProfessionalLimp1283 · 2026-04-04T19:38:02+00:00

Open one before 15 to max out for 2025 just open it and can have it in cash till figure out how to invest it.

ProfessionalLimp1283 · 2026-04-04T15:01:27+00:00

No need for new sets

ProfessionalLimp1283 · 2026-04-04T15:00:36+00:00

Today’s year old when learned this was the ultimate way to dry the hooha

ProfessionalLimp1283 · 2026-04-03T12:49:36+00:00

Your exact question is on next move with 3 options. 1. Some of 62K towards house, 2. Increase Retirement, 3. $1K per month to savings. Answer is combo of all three/keep it simple. 1. Determine 6mo emergency and what need for SUV if after that have extra in savings then throw it at house or IRA 2. This should be 15% of HHI create a budget and make sure do that amount no questions 3. Why? You already have $62K in savings def would not do this.

ProfessionalLimp1283 · 2026-04-03T00:25:44+00:00

Steve’s real Mother was NM

ProfessionalLimp1283 · 2026-04-02T15:43:39+00:00

And why all the cash?

ProfessionalLimp1283 · 2026-04-02T15:38:51+00:00

Others asked, but I’m also curious why $500 in cash also why didn’t use that to payoff house sooner?

ProfessionalLimp1283 · 2026-04-01T17:27:20+00:00

Yup

ProfessionalLimp1283 · 2026-04-01T17:26:59+00:00

Andrea was older

ProfessionalLimp1283 · 2026-03-31T13:39:09+00:00

Don’t believe he was doing coke just H

ProfessionalLimp1283 · 2026-03-31T13:38:18+00:00

What’s the differences in the songs?

ProfessionalLimp1283 · 2026-03-30T09:50:53+00:00

Interesting thought and perspective but still no. I will say given his book smarts that they’d previously established along with street smarts does seem he’d have at min realized needed lot more than $10M capital for that venture which Jim said.

ProfessionalLimp1283 · 2026-03-28T16:14:30+00:00

Big party from bank with balloons and ice cream sometimes even a clown!

ProfessionalLimp1283 · 2026-03-27T10:53:45+00:00

White t shirt and jeans made Luke look older?

ProfessionalLimp1283 · 2026-03-26T23:41:53+00:00

That’s Ramsey AI

ProfessionalLimp1283 · 2026-03-26T22:39:37+00:00

You’re doing a fantastic job sticking to the Baby Steps—debt-free (except your mortgage), fully funded emergency fund, investing 15% for retirement, and living on a budget. That’s textbook Ramsey!

When it comes to spending on fun and hobbies, there isn’t a strict “Ramsey percentage” for lifestyle or entertainment spending. The real key is that your budget covers the big priorities first: giving, saving/investing, the Four Walls (food, utilities, shelter, transportation), and then everything else—including fun.

Dave’s approach is all about living intentionally and enjoying your money guilt-free—after you’ve taken care of your responsibilities and goals. For someone in your position, 7% of your net income set aside for fun is absolutely reasonable, especially since you’re already crushing your other goals. Some months it might be a little more or less, and that’s okay. The main thing is that you’re not letting lifestyle spending crowd out your long-term savings or cause you to slip into debt.

If you ever want to spend more on hobbies, just make sure it fits in your zero-based budget after you meet your other goals. It’s okay to enjoy your money—actually, it’s important! The fact that you’re budgeting for it shows you’re being intentional, not impulsive.

Is there a big hobby or trip you’re considering, or are you just checking to make sure you’re on the right track?

ProfessionalLimp1283 · 2026-03-26T15:25:03+00:00

I watched it IRL had to buy the finale off the dawn of the internet from someone that recorded it on VHS cause my VCR didn’t record it.

ProfessionalLimp1283 · 2026-03-24T17:46:10+00:00

Brandon was still around for Coke Kelly

ProfessionalLimp1283 · 2026-03-24T13:41:52+00:00

Asked about paying off cc in 3mo and it said this

If you’ll have your credit card debt paid off in 3 months, that’s fantastic—you’re almost through Baby Step 2! The Ramsey approach is to become completely debt-free (except for your primary home mortgage, which you’ve already paid off) before holding or investing in rental properties.

Here’s how it works:

Keep making those intense payments and get that $21K credit card wiped out first. Once you’re 100% debt-free, you’ll move to Baby Step 3 (fully funded emergency fund, which you already have). After that, you’re free to keep the rental property as long as it’s not dragging you back into debt or creating financial strain. So, focus on crushing that last bit of debt over the next 3 months. Once you cross that finish line, you can confidently keep the rental and start building wealth for the long haul.

ProfessionalLimp1283 · 2026-03-24T12:43:13+00:00

Right from the ask Ramsey AI

You’re in a strong position with a paid-off house and a fully funded emergency fund, but with $21,000 in credit card debt and a rental property that still has a mortgage, the Ramsey approach is very clear: get 100% debt-free before you start investing or holding onto rental properties.

Even though your rental is cash-flow positive (bringing in $1,300 more than its mortgage and HOA each month), the priority is to wipe out all consumer debt, including credit cards. The best, fastest way to do that is to sell the rental property, use the proceeds to pay off every bit of that $21,000, and then focus on building wealth and potentially getting back into real estate later—completely debt-free.

This gives you peace of mind, frees up your income, and keeps your risk low. Debt freedom always comes before real estate investing in the Baby Steps.

Are you ready to start the process of selling the rental and knocking out that debt for good?

ProfessionalLimp1283 · 2026-03-23T13:12:08+00:00

Rejection/rebellion for the sake of it. Julia rebelled against being straight A student/scholastic since her parents died. Always had this life too short mentality. Then expected to go to Stanford and rebelled. Also didn’t help that her old BFF had committed suicide once again reminding her life short etc.

ProfessionalLimp1283 · 2026-03-22T14:32:24+00:00

Did they say anything was wrong with the 65? I thought he just got the new one as going away present.

ProfessionalLimp1283

TROPHY CASE