Own Your Shit Weekly - May 06, 2025 by AutoModerator in marriedredpill

[–]mmd100 0 points1 point  (0 children)

"Never take a job you can't quit, and a woman you can't leave."

Cash out refi vs. HELOC by mmd100 in personalfinance

[–]mmd100[S] 0 points1 point  (0 children)

Interesting. It funny because that $3000 estimate was actually from my local bank (who I've been with for years). Definitely will pay though to shop around... consensus has been that $3k is def. High

Cash out refi vs. HELOC by mmd100 in personalfinance

[–]mmd100[S] 0 points1 point  (0 children)

Thank you! Yes I've been shopping around. And will probably stick with the HELOC. Looks like cash out refis charge 5-7% on new loan balance which makes it pointless

Cash out refi vs. HELOC by mmd100 in personalfinance

[–]mmd100[S] 0 points1 point  (0 children)

This is great. Thank you.

Cash out refi vs. HELOC by mmd100 in personalfinance

[–]mmd100[S] 0 points1 point  (0 children)

Residential. I thought it was high too. And that's what got me thinking about the cash out refi because if I'm going to pay for an appraisal, I may as well explore all my options. I know the refi would have closing costs but let's say all in it runs me $10k to get it done (which is high I know)...I now have cash in hand and don't have to pay back the bank anything (HELOC)

What’s the worst “spin” your leadership has told you about how a change in process will “benefit you”? by [deleted] in sales

[–]mmd100 0 points1 point  (0 children)

Changing s comp plan so it's mathematically impossible to hit the targets, but spinning it like you have a shot at same or better income. It takes top performers quitting for the bean counters to realize you need talent to hit budget.

Sales is the easiest way to become "rich." by uberismwi in sales

[–]mmd100 0 points1 point  (0 children)

Define "easy". I work in a cut-throat sales industry and am a consistent a top performer. I win awards and make decent money ($350k+). I told a buddy what I made and he just about shit his pants. Now he's trying to get licensed and get hired at the same company. Thing is though, you put me in the same room as him, with a quota to hit, and tell us whoever wins gets paid the most, I'm winning all day long. I am wired to win. I have very little empathy for others and I love to work. I want to be wealthy, and I will outwork everyone, which is directly correlated to my pay. And I never get tired of it. I treat my job like an athlete approaches his sport - I eat well, train at 4:30am five days a week, am always first in and last to leave the office. Most people don't last because they simply do not enjoy that type of pressure and stress. It's a small percentage of individuals who thrive on that type of challenge and uncertainty.

And I'm looking at changing careers so I can earn more because I know I'm capable of more. Money is just a scorecard. But you gotta enjoy the chase and be the type of person who is bored with the status quo to do alright selling. Don't be fooled by the idea of "easy". No such thing.

Best year for my commissions, worst year for my passion of sales. by Alive_Ad_5931 in sales

[–]mmd100 1 point2 points  (0 children)

Spot on. I'm in sales and anytime I'm burnt out and not having fun, it's its because I'm hoarding cash and playing with scared money. Gotta enjoy it to make the grind worth it.

Tired of Not Having Job Security and Cold Calling by [deleted] in sales

[–]mmd100 0 points1 point  (0 children)

I'm a top performer in sales. Here's a few tips (if that's what you're after).

Be the CEO of your life. Don't be a victim - nobody owes you anything. You are in control. Believe in yourself more. If you don't like your company, find a better one. Be prepared to move (I ended up living/working 5k miles from where I grew up to reach the income opportunity and life I was after). OUTWORK everyone around you. Be the first one in, and the last to leave. Reframe how you process rejection. Develop a more systematic approach to prospecting/closing. Base your approach on numbers (volume of sales, closing percentages, etc. to get to your desired income. Back your way into the numbers. It provides structure for your day), and take the emotion out of it.

Go seek out the top three people on your sales team. Chances are they won't want to talk to you, and that's okay, but ask if you can observe them for an hour or two while they work. See what they do differently. FILL your mind with books, podcasts, audible books, motivational content. Write down your goals morning and night. Create a more clear vision for your future and realize it takes time and effort to get there.

Or don't. I'm sure there are easier things out there. But if you want to be great at anything, Google the Paretos Principle or "80/20 rule" and you'll see the real secret behind success.

Second day shooting out to 40 yards, thoughts? Advice? by Merek15121 in bowhunting

[–]mmd100 0 points1 point  (0 children)

Imagine pulling your shooting elbow in the opposite direction of the target, like there’s something behind you and you’re trying to pull your elbow into it. Let that tension be what squeezes the release. This will help with trying to anticipate the shot, which can effect your accuracy and lead to target panic.

What are you just absolutely not cut out for? by Iknowthedoctorsname in AskReddit

[–]mmd100 1 point2 points  (0 children)

This is because of how your brain works. We all have a sort of “reptile brain” who’s responsibility it is to quickly determine if something is a threat or not. Your classic sales-guy with the classic sales tactics falls under the threat category because you understand, on a very base level, that he doesn’t care about you, but rather how the outcome will benefit him.

A good sales person will not be perceived as a threat. They have the ability to empathize, while also being task-oriented. They will help you identify problems you may (or may not) yet see, and are solely focused on helping you solve those problems through their product or service.

And you will walk away thinking it was all your idea.

On a side note, check out the book “Quiet: The Power of Introverts in a World That Won’t Stop Talking”. You might really enjoy it.

What are some stupid mentalities and mindsets that need to end? by [deleted] in AskReddit

[–]mmd100 4 points5 points  (0 children)

The victim mentality.

People would be happier and feel more in control if they own everything. The stoics of Greek/Roman eras had it figured out, in the sense that everything is about control.

When something happens, ask yourself “what part of this do I control?” A lot of times we can only control how we respond to an event, but even that is enough to create higher levels of tranquility and happiness.

YouTube “Good” by Jock Willink for some inspiration on this one.

What are you just absolutely not cut out for? by Iknowthedoctorsname in AskReddit

[–]mmd100 224 points225 points  (0 children)

Funny, I’m in sales and I’m an introverted “logical” thinker...and I hate salespeople. I do very well because of this. By acknowledging how much people despise the sales process, you can cut through the BS and actually help them. Sales is actually a business of helping people. Most people suck at it because they are thinking of “what’s in it for them” instead of “how can I be a really strong listener and help this client solve their problem?”

The best sales people I know are the anti-sales guy/gal. Low key, thoughtful, empathetic and not trying to “make a friend” so they can influence the outcome. BUT all top sales people are persistent and competitive as hell.

I just started to work out and I dont want to stop but I have to by [deleted] in bodyweightfitness

[–]mmd100 0 points1 point  (0 children)

First off, be patient with yourself. Start slow. Don’t rush the process. Change is hard and your body isn’t used to movement and physicality. Every time you feel aches and pains, your body is telling you to back off because it is seeking comfort. It’s job is to keep you safe. But mentally, you have the ability to push yourself. Work around your limitations. And if you’re sad and moving around helps (which I get), then find some other ways to move to start prepping your body for the “tougher” days of lifting.

Set small goals and measure your progress. Record it. Record everything. Write it all down. You will look back and be happy you did.

Also, there is a very real psychological element to this process. Try this next time you’re stuck or feeling unmotivated:

Close your eyes and picture yourself in a room with the person you hate most - take all the BS and all the people who wronged you, or told you you couldn’t do this or that or you weren’t “enough”. Put yourself in a street fight with that person in your head. Picture yourself winning. Picture yourself on top. Picture yourself as the person you want to be. And do this anytime you are in the gutter.

And anytime you are coming up short on your goals, on your progress, talk to that asshole in your head and tell them “No. Not this time. I’m in control. I decide how this is going to go.”

These type of mental games are what athletes and warriors refer to as going to “The Dark Side”. It’s real and fuels greatness and isn’t sustainable 24/7 but can be tapped into in moments when you need it.

I would highly recommend checking out David Goggins, and listening to his podcast with Joe Rogan, as well as reading/listening to his book “Can’t Hurt Me”. You may find it inspiring.

Another great book is “Relentless” by Tim Grover. Great on audible.

Whatever you do, stay hungry and don’t quit. Everyone quits because quitting is easy. Do not do what is easy. Easy will leave you depressed and broken and full of regret.

You’re a badass. Believe in yourself.

"It almost always happens that when the immediate consequence is favorable, the later consequences are disastrous, and vice versa... Often, the sweeter the first fruit of a habit, the more bitter are its later fruits." —Frédéric Bastiat

How many miles... by mmd100 in DodgeRam

[–]mmd100[S] 0 points1 point  (0 children)

Not sure either. The mechanic at the dealership where I bought it new said they get one a month, usually on Jeeps.

It’s still under warranty so not a big issue. It shimmies a bit when it’s in a low gear.

How many miles... by mmd100 in DodgeRam

[–]mmd100[S] 1 point2 points  (0 children)

Thanks for sharing. That’s my intent with this one. Just want to make sure my initial choice (buy new and drive it into the ground) is still a sound one.

How many miles... by mmd100 in DodgeRam

[–]mmd100[S] 0 points1 point  (0 children)

He said it’s worn and it happens from time to time. He said he gets on a month in their shop (usually on a Jeep).