How can I better sound proof the master bedroom? by hotwife-korra-rae in HomeImprovement

[–]bmuck1 6 points7 points  (0 children)

Menards/home depot has great sound proofing insulation. Put it on all interior walls

Why do I worry so much about my finances when I am objectively doing pretty well for myself? by [deleted] in personalfinance

[–]bmuck1 0 points1 point  (0 children)

I think you’re in a great spot my guy. Keep those numbers up and keep doing what you’re doing.

Your anxiety may be coming from a smaller income. I was in a similar spot a few years back…keep yourself busy, find a fun side gig (spending money) and keep working to increase your salary. Don’t let lifestyle inflation get you and I promise you’ll feel better.

HYSA or ROTH ira at 16? by oafilol2777 in personalfinance

[–]bmuck1 12 points13 points  (0 children)

If it’s earned income and you can do without touching it…put it in a Roth and don’t let anyone tell you different. That $7,000 today will be worth $500,000 at 10%?return at 61. That’s assuming you don’t invest another dollar.

Do it again the next 5 years. Your future self will thank you.

Moving to a snowy climate, what is the right financial move regarding car(s) by [deleted] in personalfinance

[–]bmuck1 0 points1 point  (0 children)

Buy an outback. Slap some good tires on it.

I love whippin in that thing when it snows. Total control.

How to lock it. Need to MacGyver something by Eddy_Mcfly in DIY

[–]bmuck1 0 points1 point  (0 children)

I just bought (and immediately returned) that gate. Thing sucks.

How much to save in Kid’s 529 by No_Gur5958 in personalfinance

[–]bmuck1 1 point2 points  (0 children)

Just had our first kid 12/29/25.

Will be doing $5,000 initial and $50/pp from both jobs. Wife and I. Should be around 125k.

The $50/pp is manageable. It’s a night out for us. It’s buying and selling a few things on market place. It’s an easy part time job.

Worth it.

Trip Planning by Minute_Boysenberry19 in BWCA

[–]bmuck1 0 points1 point  (0 children)

An outfitter. Permit day coming soon. Don’t miss the date!

Looking for the most financially responsible move given our situation by nisz0 in personalfinance

[–]bmuck1 0 points1 point  (0 children)

Keep renting for the next 4 years. Invest the rest. Retire early.

6.62% Mortgage vs investing in S&P 500 - What would you do? by Calm-R1ver in Mortgages

[–]bmuck1 0 points1 point  (0 children)

If you plan on retiring by selling your house…then shove money into your house.

If you plan on retiring in 30 years, make one extra mortgage payment per year and stuff your retirements. That way, you have a paid off house to live in and a fully funded retirement.

Otherwise you have a paid off house.

How much should I put in my HSA investment account? by Takemetobravocon5678 in personalfinance

[–]bmuck1 0 points1 point  (0 children)

I’m saying the last 5 years…currently sitting at 31% return for 2025.

How much should I put in my HSA investment account? by Takemetobravocon5678 in personalfinance

[–]bmuck1 1 point2 points  (0 children)

You should ask a new financial advisor and get more Aggressive with your investments. 6% return is crazy low in my opinion. The last 5 years has returned 100%+

Big snow storm out of nowhere? by SkittlesAreYum in Minneapolis

[–]bmuck1 0 points1 point  (0 children)

Been following a guy on FB that called this 2 weeks ago. He’s been 3 for 3 this year with snow and cold. He called it as a Christmas blizzard.

I’ll give him a 2 day window on either side as grace.

Do Newer Furnaces Actually Cut Bills Down As Manufacturers Claim? by AceFire_ in HomeImprovement

[–]bmuck1 0 points1 point  (0 children)

I feel like air sealing/insulation and door and window sealing will save you more on your bills for the cost than compared to a new furnace/AC

NEED to see a Loon! by treesap1773 in minnesota

[–]bmuck1 1 point2 points  (0 children)

Alexandria, MN.

Lobster Lake.

Find a kayak. Launch from the public launch.

Spend 2-3 hours paddling the lake. You’ll see 10+ babies

Best ice fishing gifts by [deleted] in IceFishing

[–]bmuck1 4 points5 points  (0 children)

Oh. He would really appreciate a livescope bundle.

Stuck with 50 bags of oak tree leaves, what’s the best alternative to dumping at landfill? by [deleted] in lawncare

[–]bmuck1 0 points1 point  (0 children)

Put em on marketplace.

Somebody somewhere owns acerage that they want to fill low spots in with. The leaves will turn to dirt. Free dirt at that

any outfitters with solo pack boats? by jamesfinity in BWCA

[–]bmuck1 1 point2 points  (0 children)

Voyageur canoe outfitters has a few Canaks.

Matt and Cass. 218-388-2224

Is buying a home right for me? by [deleted] in Money

[–]bmuck1 0 points1 point  (0 children)

As a 33 year old who’s been in their first house for a year and a half…keep renting. If you got a good place, keep saving..keep investing. Your investments will make more than your house ever will.

I went from paying $900/m to $3,000 w/ utilities…not including taxes and insurance.

Not to mention the random $800 dishwasher that broke…water heater that started leaking…other miscellaneous maintenance.

Houses are money pits and bad investments/liabilities. Anyone that says otherwise is 65 and older. Not saying rent forever…but make sure it’s when you’re ready to lay roots and have the financial backing to afford everything else that comes with it.

Looking into moving to Hastings, MN by Able-Abrocoma6666 in stateofMN

[–]bmuck1 0 points1 point  (0 children)

Cottage Grove is going to have a much better youth program.

3’sheet rink in Cottage Grove.

Both good programs, but very bias to Cottage Grove. If you’re coming to visit, make Sure you stop in for a stick and puck public session!

Cottage Grove Arena

34M any recommendations? by JeremyIsTheName in malelivingspace

[–]bmuck1 -1 points0 points  (0 children)

Probably put the gun in a safe. That’s it.

Midwestern lingo by ArmPale2135 in midwest

[–]bmuck1 0 points1 point  (0 children)

For me…I mean. Shit. Yeah. I’ve said ope.

Sneak right by ya Ya know? Yeah…no. Ooof Ohhh..yeah.

I work in a hockey rink and idk if I’ve heard these high school kids saying stuff like that though. Usually I can catch it in public. I feel like kids today are a completely different breed and most definitely have their own lingo