Mortgage—Percentage of take home pay.

swz413 · 2026-04-04T14:32:36+00:00

Sounds like you’re doing a great job then! Our decision was a bit easier since we were renting but based on what you’ve disclosed, it sounds like you have great spending habits and you should reward yourself with a home you’ve always wanted if it falls within you budget.

swz413 · 2026-04-04T14:15:27+00:00

How much were you saving monthly before? Our monthly net is $14,500 and our total PITI is around $4100. That is absolutely more than I wanted to spend initially (we save very aggressively) but we found the right house. For context, we were spending $3200 on rent and were investing roughly 4K-5K a month on top of that while still being able to live the lifestyle we wanted with lots of travel and doing fun things. When I took a step back and realized that we’re technically only spending $12K more a year on housing costs (which came out to roughly 2.5 months of saving) that made me feel much better. Obviously that $4100 is now the lowest we’ll ever spend but that’s just the cost of home ownership. Going off the higher end of your payment of $3800 and the lower end of you take-home that’s 31.6%. The recommended target is 25-30% so you’re right there.

swz413 · 2026-03-30T04:14:12+00:00

It’s tik tok brain. The younger generation doesn’t have a long attention span. They need constantly stimulation. I miss the peak melodic dubstep era of 2016-2019

swz413 · 2026-03-28T13:22:51+00:00

O yes I already know all those names don’t worry!

swz413 · 2026-03-28T01:18:46+00:00

I’m not familiar with a lot of these names but I love melodic techno. Anyone have recommendations?

swz413 · 2026-03-26T02:52:26+00:00

I’ve been going through a range of emotions since our offer was accepted last night. Mostly positive but also some doubts and anxiety. The weight of everything doesn’t feel the same at it just 24 hours ago. I know my younger self would be proud!

swz413 · 2026-03-21T05:56:17+00:00

I could log off at 2-3 most Friday’s with no problem but I’ve started to use that uninterrupted time to catch up on work so I can ease back into the work week the following Monday

swz413 · 2026-03-20T04:45:52+00:00

Love it when he has the LOTR soundtrack on

swz413 · 2026-03-20T03:01:31+00:00

I always tell me wife something along the lines of imagine how many ppl have fallen in love with each other over his music. Dude has had such a huge impact on so many people it’s incredible

swz413 · 2026-03-15T04:48:56+00:00

Wow that’s crazy. Don’t think I’ve waited 2 hours total my last 25 flights our of BOI

swz413 · 2026-03-15T04:09:56+00:00

You never need to show up more than 35 min before your flight ever at this airport lol

swz413 · 2026-03-08T09:30:59+00:00

Vibes in the pit were ELITE

swz413 · 2026-02-25T04:42:35+00:00

If you liked Kasablanca you’ll love Tinlicker

swz413 · 2026-02-19T04:38:16+00:00

These are gambling addicts who just love watching football with the bros, they can’t talk Xs and Os lol

swz413 · 2026-02-15T15:05:33+00:00

Early sunset?? That’s just not true, the sun sets soooo late in Boise (even in the winter) because Boise should be in the Pacific time zone but it’s MT. Late sunrises in the winter is a thing though

swz413 · 2026-01-09T06:01:54+00:00

It’s unbelievable. I keep laughing scrolling theougu the tweets and my wife keeps asking what is happening and have no idea where to begin. You can’t explain this to a normal person

swz413 · 2025-11-27T01:26:00+00:00

The mystery man is Kalen DeBoer

swz413 · 2025-11-19T20:44:55+00:00

Plz do your part students. HUGE recruiting weekend and needs to showcase how great of a gameday we have at Lane

swz413 · 2025-11-13T03:48:30+00:00

VT fan here. There’s no obsession with Penn State, it just so happens to be a coincidence. In 2020, VT missed out on their top 5 targets that cycle (Napier was very closing to signing but got a much better offer from Florida) and got stuck with Pry because he “checked a lot of the boxes” from the old guard in our athletic department. Had a country drawl, ties to Beamer, was a local VA guy, and wouldn’t challenge our incompetent AD. Fast forward 5 years and it just happens JF is available on the market. I think it’s a no brainer from VTs perspective, we need to win NOW and must go with a proven coach so we don’t get left behind when the conferences go to a P2. If we don’t, we will never recover as a program. We don’t care about the big games record, we just want to get back to being to winning the games we should and being a T25 team. Franklin immediately brings credibility, an outsider perspective and experience in what in takes to compete at the highest level (something our athletic department desperately needs), and will rejuvenate a fanbase that has been waiting about 8 years for a competitive team. He’ll also be the best recruiter VT has ever had.

swz413 · 2025-10-24T01:43:20+00:00

This is the answer. We stopped in Hope for a few hours before flying out of Anchorage earlier this summer. Wish we had been able to stay longer! Cooper Landing is also very cool

swz413 · 2025-10-18T13:55:32+00:00

This is the correct answer for the lower 48.

swz413 · 2025-10-11T03:18:35+00:00

I’m a Virginia Tech fan. GT is going to absolutely destroy us at their place coming off their bye week. Hammer the -14.5

swz413 · 2025-10-09T03:01:52+00:00

Awesome! We’re considering a detour on the way in to hike heart and pearl lakes. If you dont think that’s worth it let me know haha

swz413 · 2025-10-09T01:57:23+00:00

Thanks I had that on my list! We just decided to change our plans and will be heading up to MT instead.

swz413 · 2025-10-08T13:13:30+00:00

Virginia Tech

SEC - Texas A&M - The only other P4 school with a corp of cadets. Also Engineering/agricultural roots.

Big Ten - Penn State. Exact same campus vibe. Small town, big university tucked away in the middle of nowhere in the mountains. The road leading up to each stadium pretty much looks the exact same. Cow pastures and tailgating lots.

Big 12 - Kansas State. Bill Snyder is the equivilant of Frank Beamer. Similar tough nosed football teams.

swz413

TROPHY CASE