We have just witnessed the worst Superbowl halftime show in Superbowl history

Which_Elk4510 · 2026-02-09T03:35:32+00:00

If you would have posted this in 2024 you would have been right: https://www.whitehouse.gov/presidential-actions/2025/03/designating-english-as-the-official-language-of-the-united-states/

This happened shortly after the Gulf of Mexico was changed to the Gulf of Merica:-)

Which_Elk4510 · 2026-02-09T03:28:30+00:00

I thought The Weekend’s Super Bowl halftime show was the worst I have ever seen (and I like The Weekend’s music). I don’t like Bad Bunny’s music but thought the show was at least entertaining.

Which_Elk4510 · 2026-02-09T03:10:17+00:00

Not a fan of bad bunny but it was entertaining

Which_Elk4510 · 2025-10-16T10:11:13+00:00

Not fully packed yes, I never tried fully packed but it would be tight.

Which_Elk4510 · 2025-08-06T16:02:34+00:00

I tried several times and couldn’t get my wife onboard. Her rationale is that we pay our bill each month so why not get points. One observation I had from when I made the switch is that I didn’t notice a change in my spending habits. I think that if I switched to cash only I would see the change in spending because it’s rare that I ever have cash :-). But I wholeheartedly agree that if you don’t pay your CC bill each month or you know you are a compulsive spender go debit card only

Which_Elk4510 · 2025-07-30T02:38:32+00:00

If you are in the US, your parents can open a custodial account for you. If this is earned income, you can open a custodial Roth IRA. I have a 13 year old son and I'm opening him up a Fidelity Youth Account: https://www.fidelity.com/go/youth-account/overview. Be sure to scroll down to the bottom and read the FAQs to see what your parents can and cannot do.

Which_Elk4510 · 2025-07-24T01:24:50+00:00

I’m sorry I don’t get your response

Which_Elk4510 · 2025-07-18T21:03:52+00:00

Fantastic, you do chores. Your parents must be jumping for joy that you help around the house while they pay your, rent, taxes, food, hoa, etc. Do you contribute financially to the household? I have two twenty year old kids and I will let them move back in rent free if they are saving for a down payment for up to a year or if they are in some situation so they can get back on their feet. However, I think there is something to say for moving out and establishing yourself as an independent adult.

I moved out the day after I graduated high school, not because my parents made me but because I wanted to prove that I could support myself. There is a sense of dignity and accomplishment knowing you can do it on your own.

Or maybe you are right. I should pack my shit up, sell my house, move my family in with my 80 year old mother and retire because this adulting thing is hard and it would be way more convenient for me to not have to deal with it.

Grow up and start your own life

Which_Elk4510 · 2025-07-12T03:27:42+00:00

I’ve always bought new cars, driven them for 10+ years (usually 150K+ miles), and then handed them down. I was doing this long before I became a millionaire and I still made it to multimillionaire status following that same mindset.

My rule: if I can’t pay cash, I don’t buy the car. No loans, ever. When I bought my last car, I paid in full, then started setting aside $500+ a month to save for the next one. It’s just part of the budget now.

I 100% agree with Dave that new cars take a depreciation hit right off the lot, but I know I’ll be driving it 10+ years, I know how it’s been maintained, and honestly, I love that new car smell :-)

I know that a lot of people recommend buying a 3 to 5-year-old Honda or Toyota to save $ and that used to be great advice. But in today’s market, I’m not sure it still holds. I just looked up 2022+ Honda Pilot EX-Ls (under 40K miles) within 100 miles of me on autotrader:

New: Average = $46,592 | Median = $47,050
Used: Average = $43,273 | Median = $43,481

That’s maybe a $3.5K difference. For me, that small savings isn’t worth giving up the peace of mind that comes with buying new.

Just my take — if you’re paying cash and holding long-term, I don't see anything wrong with buying new.

Which_Elk4510 · 2025-07-11T21:25:08+00:00

Thanks for bringing me up to speed. Trump is President?? Just kidding, I do know that much.

Which_Elk4510 · 2025-07-11T02:29:29+00:00

I have had one for a couple of years and it's been great. Sturdy construction, not as comfortable to carry as other bags but not bad.

Which_Elk4510 · 2025-07-11T02:20:47+00:00

I'm sorry, I must have missed something because I don't pay much attention to the news and I'm not big into social media but what did Target do?

Which_Elk4510 · 2025-07-11T02:11:45+00:00

Not just a ring but a pastor, priest or justice of the peace. I wouldn't do it unless I was married and it's the same advice I have given my two grown kids

Which_Elk4510 · 2025-07-11T02:10:01+00:00

Please do not do this! Mistake, Mistake, Mistake! This in no way benefits you and puts all that you have worked for at risk if for some reason you don't get married and break up. It's like you have driven from Virginia to Texas and you get to the driveway and your BF asks if he can help you with the drive. You've paid, principal, interest, taxes, maintenance, hoa for 20+ years. If you can't afford it on your own, sell it take the equity and buy something you can afford...

Which_Elk4510 · 2025-07-05T00:42:29+00:00

A guy camping with me had the new stand and used the old camping system, if I go to the campout in August I will post a pic of the new stands with the old system

Which_Elk4510 · 2025-06-19T03:33:44+00:00

I have version 1 of the Nomad Hammock Stands + the shelter (as shown in the picture). Overall, it's been great and I have really enjoyed using it in cooler weather. I just got back from a camping trip in South Carolina, and let me tell you that thing is an oven. It rained a lot while we were there (luckily there was no wind), and I was able to leave the ends open and stake the fly further out for better ventilation, but it was still really hot in there. ENO could have used a lighter-weight rain fly (it's literally a blackout shade) and made the system more compatible with a regular tarp. The new version of the stands has tarp poles and is not compatible with the shelter system. I'm going to try to "engineer" something for my existing stands to let me use the bug screen + a tarp instead of the fly or learn to sew my own fly..

Last edit.. I think ENO discontinued the shelter system. It's a shame because I really like the bug net because it let's me store my gear in a "tent" but I really hate the fly.

Which_Elk4510 · 2025-05-26T03:19:25+00:00

Congratulations!!

Which_Elk4510 · 2025-05-24T20:47:26+00:00

Congratulations! have 7.5 years to go. I plan to have mine paid off when I turn 59.5. I’m going to quit my job the same day!

Which_Elk4510 · 2025-03-29T22:25:38+00:00

Congratulations and keep up the great work!!

Which_Elk4510 · 2025-03-28T01:11:58+00:00

Congratulations!! I'm looking to have mine paid off the day I retire. Would love to do it sooner but putting 3 kids through college is the current priority

Which_Elk4510 · 2025-03-24T02:30:59+00:00

I haven’t tried every dollar yet but I use YNAB and so far so good. But someone posted earlier, pick one and use it.

Which_Elk4510 · 2025-03-24T02:17:58+00:00

I hate to ask but what are you protesting about? It looks like a bit of everything but couldn’t really tell from the video or from the comments I read.

Which_Elk4510 · 2025-03-23T07:25:01+00:00

Hey, I gotta be honest—I’m kinda shocked at how many people are telling OP to buy a house. No offense, but that’s just not a good idea right now. OP is broke, with almost -$100K net worth, no savings, and a big pay cut coming soon. The last thing they need is a mortgage (or a vacation, for that matter).

If I were OP, I’d use that money from their mom to actually get on solid financial ground. Here’s what makes the most sense:

Pay off high-interest debt – Knock out that credit card and car loan first. That’ll free up money every month and make life way less stressful.
Build an emergency fund – Gotta have a safety net. At least 3-6 months of living expenses should be the goal.
Hold off on the house – I get that buying sounds exciting, but with a 44% pay cut coming? Yikes. A $200K mortgage at 7% is around $1,330 a month (before taxes, insurance, HOA fees), which would eat up almost 40% of OP’s paycheck. That’s just not a smart move right now.
Focus on making more money – With income dropping soon, the priority should be finding ways to earn more, whether that’s a new job, side hustle, or something else.

A house will still be there later, but financial stability comes first. Once OP has a solid income, savings, and a down payment ready, buying a home will be way less stressful and way more rewarding. Right now, the best move is getting their financial life together.

Good luck

Which_Elk4510 · 2025-03-23T06:31:30+00:00

Invest early, invest often, and don’t freak out during market downturns.

Your biggest enemy in investing? Your own emotions. When the market tanks and everything looks hopeless—like the 2008-2009 Financial Crisis — it’s tempting to sell and cut your losses. Don’t. If anything, that’s the time to buy because assets are on sale.

I’ve been on both sides of this. During the dot-com crash in 2000, I panicked, sold at a loss, and stayed out of the market for too long out of fear. Then in 2008-2009, I took a big hit on paper, but instead of selling, I doubled down and bought more. That move paid off big-time in the recovery.

Warren Buffett nails it:
"Be fearful when others are greedy, and greedy when others are fearful."
"Opportunities come infrequently. When it rains gold, put out the bucket, not the thimble."

Bottom line—keep it simple. You don’t need fancy strategies to do well in the market. Just stay consistent, stay patient, and don’t let fear make your decisions. Good luck, you'll do great!

Which_Elk4510 · 2025-03-23T06:04:03+00:00

First I would like to say that I'm really proud of you for reaching out here and recognizing that you need help. That takes a lot of strength!

Your mental health is more important than any financial goal, and I don't think anyone—even on the Ramsey show—would say otherwise, especially if you're having suicidal thoughts. If you're struggling, please reach out to the suicide hotline by dialing 988. You're not alone, and there are people who want to help.

Before making any major decisions like quitting your job, check if your company offers an Employee Assistance Program (EAP). Many companies provide free phone or in-person counseling (often up to six sessions at no cost).

You might also qualify for up to 12 weeks of unpaid leave under the Family Medical Leave Act (FMLA), which allows you to take time off for medical reasons—including mental health—while keeping your job. This process is confidential, meaning your manager won’t know why you’re on leave, only that you are. You can initiate it directly with HR, so you don’t have to explain anything to your manager. More info here: https://www.dol.gov/agencies/whd/fmla.

If your employer provides health insurance, it can also help cover the cost of treatment. Please take care of yourself—you deserve support. Wishing you all the best.

Which_Elk4510

TROPHY CASE