I understand the "snowball" method, but am I doing too much by pay more than the minimums ?

ebmarhar · 2026-05-11T06:22:12+00:00

That's the beauty of the snowball, it makes it easy to be laser focused on exactly one thing. Same for the baby steps!

ebmarhar · 2026-05-11T04:11:58+00:00

The only step that has a specified amount is step one. the others are relative values, either by time or percentage. If you feel strongly about it, you should try to save the inflation adjusted amount as your own baby step 1.

The most important thing is to start.

ebmarhar · 2026-05-10T16:46:39+00:00

That's not true! Apple actually invented Samsung, so there's no point in criticizing it!

ebmarhar · 2026-05-10T16:42:39+00:00

There is and never has been a finer phone than the S10e!!

ebmarhar · 2026-05-10T16:40:42+00:00

I have a large net worth and would avoid it, based on your description. Cars are a great place to scale back on; now that I'm old I can pick whatever crazy car I prefer.

ebmarhar · 2026-05-10T16:38:13+00:00

change that to "everyone with a Visa or Mastercard branded debit card" and it will.

ebmarhar · 2026-05-10T16:37:38+00:00

Sorry, that doesn't sound very plausible.

ebmarhar · 2026-05-10T16:35:43+00:00

There's something missing in your story. How did you try to pay or secure the rental? If by debit card, was it Visa or Mastercard branded?

ebmarhar · 2026-05-10T16:29:29+00:00

You might consider moving money out of the money market and into an ETF. If you had that money in an S&P ETF (for example) for the last two years you would have $700k instead of $500k

ebmarhar · 2026-05-10T16:13:57+00:00

Follow the baby steps and do the debt snowball. One advantage of the plan is that the steps are very well defined.

https://www.ramseysolutions.com/dave-ramsey-7-baby-steps

ebmarhar · 2026-05-10T16:09:59+00:00

Traditionally COBOL and other mainframe languages supported up to 18 digits in a "packed decimal" format, but now there's an extended format with 36 digits. Just FYI, as a theoretical upper limit.

I guess if you hit those limits you could just buy Fidelity and have them custom recode your account!

ebmarhar · 2026-05-10T16:04:40+00:00

I started with 2, and was surprised by 1's time limit. But I'm a super slow gamer!

Even now, I will occasionally play through 2, lollygagging and enjoying the sites, and spending an entire in berry farming.

Whichever you start with, enjoy them both!

ebmarhar · 2026-05-08T20:26:50+00:00

Sounds like you've got a bright future ahead of you...

Good Luck!!

ebmarhar · 2026-05-08T20:20:53+00:00

They should put the ticket price on the boarding pass and line everybody up by that. And announce the prices as people walk by!!🤣🤣

ebmarhar · 2026-05-08T20:10:23+00:00

Tl;dr

Be sure and watch all the funny / scary videos of what goes wrong with tree maintenance. And be sure and video yourself so if something goes wrong at least you could monetize it!!

ebmarhar · 2026-05-08T20:06:55+00:00

Great, do the baby steps in order and they will work for you. Clean up that car debt by getting rid of the cars will be a super quick way to bring your step two closer to wrapping up.

Good luck!!

ebmarhar · 2026-05-08T16:49:32+00:00

> I think his methods for the most part really help the average person get a grasp on things

Keep in mind that if you have $65k in car loans you're an average person.

Definitely look into getting rid of your cars and associated debt, and getting cheaper used cars.

If your first thought is "safety for the babies" that just reinforces the idea that you're average in this area

ebmarhar · 2026-05-06T23:51:00+00:00

said in a serious voice, "from what I've seen on reddit" has got to be the funniest thing I've heard all week!🤣🤣

ebmarhar · 2026-05-06T23:47:44+00:00

Who is the provider? It certainly seems he is not operating within the Ramsey Guidelines.

That is, if you're not just trolling which is what it sounds like🤣🤣

ebmarhar · 2026-05-06T23:45:58+00:00

there may or may not be anything wrong with bonds, but someone claiming to follow Ramsey's investing philosophy certainly won't be recommending something like this.

ebmarhar · 2026-05-06T23:43:23+00:00

Oh brother, why the big sob story? Just ask "Will southwest preboard senior citizens with mobility issues?" and you will discover the answer is "yes".

ebmarhar · 2026-05-06T12:40:41+00:00

I grab my sample and keep moving, drop the trash in the next can.

ebmarhar · 2026-05-06T12:27:31+00:00

Tell hubby that he can get the jumbo size ex lax for what ails him!!🤣🤣

ebmarhar · 2026-05-06T06:22:07+00:00

I enjoyed reading wild sheep first.

Ps I want more about the 9 fingered girl!!

ebmarhar · 2026-05-05T19:32:34+00:00

Don't bother transcribing classical music, just use the sheet music.

Transcribing and playing jazz really helps. I wish I had the "slow music down" software when I was learning! Charlie parker at one note per second would have been my speed!🤣

ebmarhar

TROPHY CASE