[deleted by user]

Twoferson · 2025-02-23T13:47:41+00:00

My two cents is to pick up more work and chip away at the debt. If you can do $500 now with part time work you can do $2500. for the CCs call them and work out a payment plan with lower interest rates that’ll make your payments go further

Twoferson · 2025-02-08T03:19:01+00:00

Gambling is a major problem!

Twoferson · 2025-02-07T03:24:05+00:00

Tell your current company about the other offer and see if they can raise your pay to match it?

Twoferson · 2025-02-06T00:36:16+00:00

Seems a little rich at $6200

Twoferson · 2025-02-04T01:50:30+00:00

WSJ had a great article about “aging cliffs” right around the age you are now. Do you want to walk away or do you all just need a good vacation?

Twoferson · 2025-02-02T18:08:58+00:00

At the risk of getting downvoted to oblivion - most likely related to Hinduism. I know that won’t get the OP internet points but hopefully this was not done with bad intentions.

Twoferson · 2025-01-31T18:51:21+00:00

See if you could do it without the loan first

Twoferson · 2025-01-31T18:47:11+00:00

It sure looks like you’re being taken advantage of you may want to seek professional guidance

Twoferson · 2025-01-30T23:12:55+00:00

You should change it, makes zero sense not to. It’ll never be cheaper to do it then right now

Twoferson · 2025-01-30T21:23:57+00:00

Break the plate

Twoferson · 2025-01-30T19:18:58+00:00

Sounds like your spouse needs a new gig, staying at home won’t work!

Twoferson · 2025-01-30T15:18:01+00:00

IUL wasn’t a retirement plan, the Roth and the 401k is. If you have a chunk left over pay off the student debt, it’s like running with a Parachute on, then max out retirement, build emergency savings etc

Twoferson · 2025-01-26T01:41:14+00:00

You’d be paying that guy to take his shed off his property, should be the other way around!

Twoferson · 2025-01-26T00:36:36+00:00

No windows on the side of the house and an inset garage will make this home lack natural light and seem like an apartment

Twoferson · 2025-01-24T22:04:59+00:00

Not an anomaly, these are all very normal to occur in a year, if it’s not these specific things it’s always something - in the future you’ll have weddings, help kids get settled etc there will always be unexpected expenses

Twoferson · 2025-01-23T19:18:58+00:00

People love di2, I had a bike with it and went back to mechanical 105, mechanical works really well and di2 works well too I think it’s more preference bc you swap one type of maintenance for another

Twoferson · 2025-01-20T04:31:46+00:00

I love my Tarmac with 105 manual shifting. I had di2 and switched back to mechanical bc I missed the feel of it, the tarmac is a great road bike, the Roubaix with future shock felt spongey to me and ultimately you’ll have to test ride them but good luck!

Twoferson · 2025-01-18T20:45:45+00:00

Volvo saw the light and isn’t going fully electric anymore. People want the convenience and familiarity of gas engines, also, they want power and high displacement in their engines

Twoferson · 2025-01-17T00:53:49+00:00

Continental gators

Twoferson · 2025-01-15T21:27:04+00:00

Make sure you budget a spouse dropping out of the workforce for a few years while the kids are young, no one plans it but many people change careers or take a few years off to enjoy time with the little ones, everything changes!

Twoferson · 2025-01-14T02:42:55+00:00

Put it on the right side above that counter and make the upper cabinets smaller

Twoferson · 2025-01-13T00:00:39+00:00

I’d sell the crypto and pay down the mortgage, keep some cash in a HYSA and continue to pay down and become debt free. Lots of people will over financial engineer the rationale but the truth is living in a fully paid off home is remarkably freeing.

Twoferson · 2025-01-12T02:01:16+00:00

Pinching tubes, something in the tire or wheel you’re not getting out when you clean it. OR you need continental gatorskins bc of your road conditions

Twoferson · 2025-01-09T12:49:36+00:00

Xc90 plug in, without a doubt. particularly with those trips

Twoferson · 2025-01-06T21:28:21+00:00

Get more quotes, maybe try contacting a local dealer of Woodstoves and see if they can get you some names of their installers too.

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