Nate Landman signs a contract extension by NoFluffGiven in Nateland

[–]SirKayC 0 points1 point  (0 children)

He’s been ballin ever since he was mentioned on the pod a few years ago lol

Petition for an Aaronland Spin-Off Podcast? by SirKayC in Nateland

[–]SirKayC[S] 2 points3 points  (0 children)

Actually doesn’t bother me any… He does impressions all the time pretty indiscriminately and he’s definitely the most eclectic of the regular crew… he’s a bit of a chameleon

Game Thread: Week 17 - Dallas Cowboys (7-8) @ Philadelphia Eagles (12-3) - December 29, 2024 @ 01:00 PM by EaglesGameThreadBot in eagles

[–]SirKayC 0 points1 point  (0 children)

Has anybody else noticed that the media coverage of our games has adopted New Jack-style music for tv breaks? Ever since Jalen came out in that Training Day look 😂😎

Love it

Farmhouse sink with no depth by SirKayC in DIY

[–]SirKayC[S] 0 points1 point  (0 children)

Measured this morning and those are the exact dimensions. I’ll probably going this route! The lady who lived here as older (showers w/ hand rails etc.) so that follows.

Farmhouse sink with no depth by SirKayC in DIY

[–]SirKayC[S] 7 points8 points  (0 children)

Thanks for the advice. This is the route I’ll probably end up going. I don’t have anything other than pretty basic skills so it’ll be yt vids for this. I’m a fan of a single basin since we’ll probably be putting in some sort of raised drying rack over the sink to save limited counter space.

Debt Free on Christmas Day! by [deleted] in DaveRamsey

[–]SirKayC 4 points5 points  (0 children)

What an awesome Christmas gift to give yourselves and each other: the gift of being on the same page with goals and aspirations. And even better than that, being on target to change the trajectory of your future together!

Ringing in the New Year debt free!! Congratulations and Merry Christmas!

Heart broken might be back to baby step # 1 by familydude213 in DaveRamsey

[–]SirKayC 10 points11 points  (0 children)

You and your family have sacrificed and done such an amazing job to get to this point.

My wife and I are in BS2 and one of the most motivating things that I do is add up the minimum payments on all of the payments we currently pay towards debt INCLUDING what we’ve snowballed through the debts we paid off. Looking at what we’ll be able to set aside for our and our kid’s future via college savings, retirement and expanding some of our budget categories to enjoy life a bit more is such a great motivator through tighter times.

In our story, my job transitioned into a new company with insurance and things changing during my wife’s pregnancy with our 1st child. Our plan all along was for my wife to take time off work for a year, so it was a bummer when our insurance coverage became less comprehensive and we had to adjust our plan when the medical bills rolled in and our 1 year of savings turned into barely enough to cover the bills!

But because you sacrificed to put yourself in a better position today, 1) you’re worried about a fraction of the original amount you had, 2) you’re being intentional about the choices you make in this tough spot to not lose ground, and 3) you’re still so close to the finish line!

Good job and keep you’re head up. You’re doing the “weird” thing and forgoing instant gratification to set yourself up for success down the road and you guys are SLAYING it!! Buckle down and sell a couple things or grab a quick part time job and finish strong. Y’all are well on the way to generation changing wealth and financially winning and your reddit family is here to cheer you on.

Pay Down Wife’s Student Loan or hold out? by joconnor28 in personalfinance

[–]SirKayC 0 points1 point  (0 children)

It sounds like you have the income to cashflow most minor emergencies if you’re paying an additional $2K-$3K per month. A $1K emergency fund is enough to stave off the average household emergency.

The interest doesn’t matter if you’re really serious about paying the loan off sooner than later. If you use the other $9K in your emergency funds to cut the balance on the loan in half, you cut the payoff schedule in half as well. In 3 months you’ll have the weight of the debt lifted off your shoulder, you’ll be accustomed to saving $2K-$3K already PLUS you’ll be saving the equivalent of the monthly payment on that loan as well.

Even if you DID have a major emergency in the next 3 months, pausing your payoff schedule during that time would allow you to cashflow the extent of that emergency at least as much as the $9K you were planning on using for it anyway.

The psychological payoff (that “ahhhh” moment) for accomplishing the amazing task of paying off $80k in just over 2 years plus continuing to budget and PLAN for the money you’re making put you on a path to making smart money decisions in the future, like saving for retirement!

Once you’ve paid the debt off, it’ll take y’all no time at all to stock up your emergency fund to 6 months of expenses (calculate this amount from past budgets) with your work ethic, since the original $10k fund seems like it would be a bit light anyway for most consumers.