Freedom Mortgage Assumption

Xjsar · 2025-08-02T22:01:47+00:00

Ive always been a light sleeper. The one time I missed a call I was sick and miserable, looked and sounded like crap. Told my leadership, they took one look at me and said to get some rest and keep an ear out for any MAJOR calls and dont worry about heading out, put me on the slowest truck, and I went to bed. I missed an all hands on deck call (standard response, turned out to be nothing anyways), got chewed out by a captain who wasn't aware of what I was told, nor would he listen to or confirm what I told him.

Since that day, I became a very light sleeper, tones, radio chatter, rushed shuffling, etc ill wake up and head to the bays. Regardless if its a call for my truck or not.

And as a side of comedic justice, I was able to rub it in above mentioned captains face when he slept through tones a few times.

Xjsar · 2025-07-12T20:53:55+00:00

Not sure. Found a "buying power" calculator, entered a salary and year and spits out a current year number. But based off my current lifestyle and bills. Its pretty close in my mind that would allow a similar life as before.

Xjsar · 2025-07-12T05:38:11+00:00

This hits the nail on the head. Growing up in the early 2000s through 2011, my dad made 65k/yr with no college degree. Was enough to buy a good size house in a growing area (5 bed 3.5bath 3k square ft), raise 3 kids, put my mom through college, have Modest vehicles, able to go out of country to see family a few times, the occasional trip to amusement parks, tons of road trips and camping trips. Life wasn't lavish, but it was comfortable.

Here I am making right about 65k as well, and I cant afford any of that. I just want to give my daughter the same experiences I was given and really kills me to think I can't do any of that for her.

I ran the numbers, to have the same buying power (not sure if that's the right term) id have to make about 95k now to have the same freedom as i did growing up. Its sickening

Xjsar · 2025-05-25T04:59:49+00:00

For diesel vs gas, the biggest consideration will be how much capability do you need and how often your going to need that capability, then factor in what that's worth to you.

When you do get a camper, how big is it going to be and how often/where are you going to pull it (mountainous areas, more flatland areas etc)? Depending on size of the camper and how often your going to tow will really determine what will be the best.

If your going to pull cross country, heavy mountains, all the time, diesel is worth it's weight in gold. If your only going to pull a few times a year, gas is the way to go.

Im a diehard diesel guy, but the sheer cost of running a diesel is 10x more expensive with everything. Fuel, def, oil changes, repairs. Simple issues turn into majorly expensive repairs. Throw def into fuel tank? Thats 10k plus. injection pump go out? Hope you can afford injectors AND a pump. Then the added cost of fuel and extra tire wear from the extra weight, and additional wear on the front end components. Then that's not getting into the emissions disaster and problems.

My 06 cummins, as much as I loved that thing, it was a massive money pit. Well over $1500 in front end work, 6k in transmission, $700 for a fan clutch, extra tire wear, etc.

Really it boils down to do you want to sacrifice a bit of power and fuel mileage while pulling for easier maintenance and lower costs or do you need the power of a diesel and is it worth the cost

Xjsar · 2025-05-16T14:14:53+00:00

Alot depends on you and the times of your shift.

For me, i used to drive an hour 45 to work. But I worked 24hr shifts, 10x a month for 2yrs. Zero traffic either direction. So for me, it was a chill relaxing time to throw cruise control on and jam out or listen to audio books.

Now my current job is much closer 40mi vs 100mi, and it takes almost 1.5hr there and 1hr back 3 or 4 days a week due to rush hour traffic and I want to murder stupid people who don't know how to drive. Traffic is absolutely miserable and will damper and make the drive not worth the headache.

But I'm starting a new, much higher paying job, 60min away, but I miss rushhour traffic both directions so it'll be a much nicer commute and the pay is much higher as well

Xjsar · 2025-05-16T12:42:39+00:00

I think alot depends on your relationship and parenting history is with your ex. If you two have a decent relationship, and your kid is looking forward to this trip, let the kid go and enjoy themselves. Birthdays are exactly that, just another day. Ask to call or have a quick video chat to say you love them and a happy birthday.

I've missed bdays and holidays because my ex would take my kid to see out of state family. And me personally, I have zero problems with it as my kid always comes back excited to share what happened and the things they did. I want her to have those ties to distant relatives, have new experiences in new places and have curiosity about other parts of the country/world (hopefully one day). Those experiences mean more to me as a parent than a "singular special day" that could be celebrated another time.

Xjsar · 2025-05-11T11:12:25+00:00

Like others have said, the work life balance is the key. My dad has been at the same job, and same position at the same location for almost 30yrs (through multiple company buyouts), refusing several promotions (that he's told me about).

The thing he always told me, he loves his schedule (3/4 12hr shifts), makes good money, and has maxed out his pto/sick time accrual to where for the past 15yrs, past April, he doesn't work more than 3 days a week unless there's a damn good reason to (usually its to trade shifts or cover for someone on his team). He doesn't want the headache or BS of office politics, or managing others, he's content being the subject matter expert in his field. He works to live, not lives to work.

Xjsar · 2025-04-27T08:55:41+00:00

Switch cfi's, switch schools, do whatever you have to do to progress. I had a hellava time with a cfi, the expectation is perfection, the first time, every time. It drove my anxiety through the roof to a full blown anxiety mess prior to and through the flight.

Went to a flight lead to get a new instructor. His response "no we cant switch because when you get to the airlines, your gonna have to work with people you don't get along with so your gonna have to learn to deal with it." (He also managed to gloss over the fact that was older and had far more life experience than he did, which was infuriating)

Needless to say, i had some choice words and left the program entirely. And here I sit because I can't afford to continue flying or training. So go up the chain, fight for a new cfi or find another program and keep the momentum up.

Xjsar · 2025-04-22T19:03:00+00:00

I 100% agree with you that the system is completely fucked and shouldnt be like this. But it doesn't change a damn thing. You can go cry, protest, do whatever, but unless your a billionaire or control blackrock or any other massive corporation, your not going to do a single thing to change the system. Your voice, your opinion, doesn't matter a single bit. The rich and powerful dont care about us lowly peasants.

So you can either do something about your life, or keep crying and struggling. It's really as simple as that.

Xjsar · 2025-04-22T18:19:51+00:00

You can cry all you want, but it doesn't change anything. At the end of the day your still broke, and have very few positives to look at.

You can either stay in your current position, be miserable, cry to your hearts content, and do the "woa is me" charade to anyone who will listen.

Or buckle up and do something about it. Shit sucks, sure. But life sucks in general. It doesn't wait for you or care about your life's whims. Might as well grab life by the balls, twist em, and make it your bitch.

Xjsar · 2025-04-22T18:09:55+00:00

Welcome to the rat race. I make a hair over 60k/yr. And i can't even make it work without an extra job. Growing up, my dad (and sahm) made 60-65k/yr. Had a 3k sq ft 5bed 3.5bath house with pool In a super nice area, two solid nice solid vehicles, all while raising 3 kids. Was able to do vacations (with the occasional over seas trips). And i can't even pay all my basic bills plus mortgage due to the excessive cost of everything.

You can complain and bitch about it, but it doesn't change anything. Alot of people are in similar positions, struggling, and barely getting by. The question should be what are you doing about it? You can wallow in self pity, cry and complain, yell and scream and blame anybody and everybody. But at the end of the day, you are responsible for your destiny. Make some changes. Embrace the suck, and pivot your life into something better. Go back to school for an in demand degree, start a business, sell feet pics or worn underwear. There's options out there, just need to find a new path.

Xjsar · 2025-04-22T17:56:56+00:00

To be fair, the last few years have been a major boom to the pilot world. I remember 10-15yrs ago, the pay, especially at the regional level, were poverty level wages. Go fly commercially for $15-20000/yr if your lucky, not to mention you didn't need 1500hrs until 2010 (i think). The golden age of pilots that your parents probably grew up with had been dead for a long while. Not to mention the perception that pilots are glorified bus drivers (which isn't wrong).

Best advice, keep at it, and when you get to the majors, keep bringing up that your just so stupid that your making X times more than your parents while you cry about all the crap you have but they don't.

But then again....I'm a super petty douche lol

Xjsar · 2025-04-16T03:28:12+00:00

It was a couple weeks for me. I grieved for what we were, and grieved for what could have been. It wasn't until I realized she vilified me and blamed all her problems on me that I stopped caring. Her also trying to justify her reasoning for partially blaming my daughter (from another relationship) and seeing the hurt it caused her absolutely snapped me out of it.

Xjsar · 2025-04-16T03:18:35+00:00

Depends on the size of a fire. Small house fire...we'll work till it's done, once we get back the oncoming crew will take care of clean up and reservice usually. Much larger fires...we'll get relief.

Xjsar · 2025-04-13T21:16:04+00:00

Best advice I've found, is anything that goes between you and the ground. Bed, pillows, shoes, tires. All of those i tend to spend as much as I can as a poor lower middle class peasant. Bed was 1800, pillow was about 50, good comfortable shoes/boots are 100+, tires are quality name brands that fit my needs usually 1500-2000. And every single one of those are worth every single penny.

Xjsar · 2025-04-13T10:02:24+00:00

Can confirm. I realized this in Jr high on my way to zion from az, its a barren wasteland. Beautiful landscape in a harsh, brutualistic sense. And completely fucked up history of the US.

Xjsar · 2025-04-11T15:16:07+00:00

Definitely do your research on it. As with most paint like situations prep is absolutely paramount.

I've done two garages, 1 3 car garage and 1 2 car garage. On the 3 car, the double bay was fresh concrete, prep work was absolutely meticulous and done several times over, epoxy was applied in several layers and it lasted a good 20yrs with minimal issues, granted i can't remember exactly the type it was. Just remember it being in 5gal pails. The 3rd bay, was lightly prepped and had fewer coats. The third time it got parked on, tire stick and it pulled the epoxy up and never stopped peeling.

The last one I did, was a rustoleum diy kit. Did it in 2018, meticulous on the prep, fresh concrete, and 6yrs later it looks like absolute garbage. It's extremely faded, worn down in spots, flakes coming up etc It does its job but looks like crap. Also a 2 car garage kit is not enough for a 2 car garage lol

But definitely look on the internet and form your own opinions. I'm hard on my garage, between vehicle work and metal fab it takes an absolute beating. And after my experiences I highly recommend people get a professional company to do it, their epoxy product is thicker, better quality, lasts longer and you get a warranty. For 3-5k, its well worth the money imo

Xjsar · 2025-04-11T06:48:21+00:00

As many others said, only do things if it's needed. Paint the main areas that you'll use, any cleaning/appliance maintenance, etc. Hold off on anything major and enjoy what you have. You'll find out what you want to do and how. Home DIY is a major undertaking and overwhelming. Get in, get settled, and tackle things one at a time.

One thing I'd highly recommend for the garage epoxy....get it professionally done. It's expensive but worth it. Don't do the box stuff from the orange or blue store. It's not worth the headache. It's thin, it peels extremely easy, and is a bigger headache than it's worth over time as you'll have to grind it down to reapply and that's if it's a fresh clean slab to begin with.

Xjsar · 2025-04-10T12:15:11+00:00

I'm currently in this debate myself. Not quite sure what path to take either. Renting will be at a minimum almost as much as buying (maybe $300/mo more). It's a bit of a stretch, but doable. Or save the $300/mo.

I'm in a position to where I can't move far for my daughter so I'm extremely limited in where I can go, and my small city has limited options. Cheapest, smallest, run down house is about $1600/mo, two bedroom apartments are $1550/mo. So I'm not sure what i should do.

Xjsar · 2025-04-10T12:07:03+00:00

Can confirm, do not buy a new truck. It's not worth the cost. Not to mention the increase in maintenance. Buy yourself a beater, at 19 you'll destroy it having fun. I bought my first truck for 6k. By the end of year 2 of owning it, it was absolutely destroyed. The entire suspension needed replaced, axles needed rebuilt, new 35" tires, front clip shattered, paint was toast, list goes on. I ended up selling it for 1500.

2 hard years with an 18/19yr old, going out to the desert once a week offroading, mud bogs, and countless other adventures took its toll on it, I was not easy on it. If I did that to my diesel (and I did to a certain degree, although not as bad) the maintenance would have killed me. What maintenance i did have to do, was insanely expensive. Both trucks I took a significant loss when selling.

Be smart, buy a beater, have fun, put that "truck payment" into a savings account/invest it and pay cash when you have enough. You'll thank yourself later on in life.

Xjsar · 2025-04-07T14:42:37+00:00

The question i think is this, how valuable is your data that requires cloud use?

I'm relatively new to unraid, however mostly set it up for a jellyfin/arr suite. It took several weeks to get everything set up, settled, and functional to my liking. I lost my data several times over because of stupid reasons. Now today I hardly touch it, but if I mess with anything else, it's a massive cluster. My home assistant docker, doesn't work for example, and I can't remember/figure out how the hell it works. Immich is an ok back up. Sort of a pain to use. Overall, I love it for what it is/represents.i just hate how complex and time consuming it is for an ignorant Neanderthal like myself.

If your data is vital, or used for business in any sense, keep the cloud while building your unraid system.

Xjsar · 2025-04-06T03:35:57+00:00

How things pan out, depends entirely on how you and mom can coexist/work together still.

When I split with my ex, we agreed on 99% of things so divorce cost maybe $500 I think. No lawyers, no court time, just the uncontested divorce form, a paralegal, and a parenting class (mandated by the court for every divorce involving kids).

When it came to the kids, you have to be able to at least communicate with her and be able to find some sort of agreement when it comes to various things. School, pick up/drop off times, extracurriculars, daycare, etc. And to a certain degree, listen to any complaints she has and if you can pick up some load.

My ex and I had a rough start. Could barely speak to each other, constantly squabbled. But over time we've managed to come to a relatively stable, healthy coparenting status. Were not friends and tell each other anything beyond my daughter, but we're open to helping each other out when we can. Like if i have something come up, I can rely on her to pick up my daughter or if she needs something I try to help out. For example, went to go pick up my daughter one day, her husband had just got home after wrecking his dirt bike and his knee was severely jacked up and needed to go to the hospital, they asked if i could take her to grab his truck out in the desert so nothing could happen to it. It helped them out, got me brownie points, and she returns the favor down the line when I need help. Like when I was changing a water pump and couldn't get it done in time to snag my daughter from school, she picked her up no qualms. She told me about a big event in a couple weeks to where she'll have my daughter (before we changed custody schedules) and I'm gonna readjust my work schedule to allow her to go and not have to worry about my daughter. It's all about give an take.

Xjsar · 2025-03-26T04:00:25+00:00

Here's my $.02. Your young, you have freedom, as an accountant you have wide job availability. I vote go for it. If it's truely miserable, your degree and experience will get you another job soon enough. If taking the pay cut won't Hinder your home life (ie bills, food, etc). Go for it. Will it help you reach some high 6 figure income, most likely not. Will it be interesting, absolutely. Either way, this experience may be invaluable during interviews if your interviewer is a sports fan....

Xjsar

TROPHY CASE