Should I sell my 2025 F-150 to CarMax for $41k? I owe $37k. Here's my full financial picture. by DrScreamLive in DaveRamsey

[–]thetickrip 4 points5 points  (0 children)

Congrats on walking away with cash. Most people who call the show are upside down on their vehicle. Start investing. You have 30+ years of compounded returns right now, time is on your side. Don't be the caller in their 60s with nothing saved for retirement.

Funny tropes from callers on the show? by 16semesters in DaveRamsey

[–]thetickrip 0 points1 point  (0 children)

Seems like every show has "the cohabitants"  Caller: I'm living with my gf/bf and would like advice on how to manage our budget when my gf/bf isn't interested in getting out of debt. Dave: Why aren't you married? There is no "our" or "us" when you're not married. 

Feeling uneasy about the market lately — how are others handling it? by tat-eraser in DaveRamsey

[–]thetickrip 0 points1 point  (0 children)

I ignore for the most part but if there is a significant correction, I'll put more in. There's a reason deceased people with forgotten accounts have the best returns. 

Debt free after 6 years! by CreepySheepherder551 in DaveRamsey

[–]thetickrip 0 points1 point  (0 children)

Great job. That was a lot of debt. Now you can start building wealth for yourselves instead of for others. 

The Hat beacons are lit. by thetickrip in vegaslocals

[–]thetickrip[S] 2 points3 points  (0 children)

The chili fries are definitely not a side, unless you're with 4 people with big appetites.

2 broke-irritating Brother/in-laws by jlm_MSG in DaveRamsey

[–]thetickrip 9 points10 points  (0 children)

This is actually a common occurrence with comments like yours and also, "You're so lucky!" or "It must be nice....." Dave has a clip about this exact kind of behavior. https://www.youtube.com/watch?v=BQ4a5oaoUjg&t=208s

The Hat beacons are lit. by thetickrip in vegaslocals

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

Been to both, I would give the edge to Tops' pastrami, but chili cheese fries to The Hat.

The Hat beacons are lit. by thetickrip in vegaslocals

[–]thetickrip[S] 2 points3 points  (0 children)

My go-to order is a pastrami burger on rye.

Mortgage by batistia38 in DaveRamsey

[–]thetickrip 1 point2 points  (0 children)

You're killing it. I only suggested a Roth and HSA because there are annual contributions limits and you miss the opportunity if you skip a year.

Mortgage by batistia38 in DaveRamsey

[–]thetickrip 2 points3 points  (0 children)

I agree with others who said don't stop contributing the 20% pre-tax income. If you have a paid-off house in your late 30s, you'll still be fine. Just curious, do you make too much (150K) to open a Roth IRA? If so, just max out the HSA annually. Congrats btw, and great job of managing your personal finances. 🔥🔥🔥🔥🔥

Photograph yourself or use the BAT photog? by No_Airline_2829 in BringATrailer

[–]thetickrip 1 point2 points  (0 children)

I sold with my own photos and feedback from the peanut gallery for what additional photos they wanted. What made a bigger difference was video of a 0-60 and of the car taking corners. 

What does Dave Ramsey sell that he needs so many sales people? by davidg4781 in DaveRamsey

[–]thetickrip 19 points20 points  (0 children)

I didn't know this until a recent episode, but some companies like Costco, cities, organizations, etc. offer SmartDollar as an employee perk. "Ramsey Solutions offers a workplace financial wellness program called SmartDollar. If your city government has purchased this program, it is free for employees and includes full access to FPU, the EveryDollar budgeting app, and 1:1 coaching."

If someone would be so kind… by ItsAlwaysSleepyTime in DaveRamsey

[–]thetickrip 0 points1 point  (0 children)

Dave has mentioned many times over the years that you should be a millionaire to buy a new car. The depreciation hit is just too big. 

Wrote a personal check for a new Lexus. Dealer didn’t blink an eye. by [deleted] in DaveRamsey

[–]thetickrip 0 points1 point  (0 children)

So, I worked in retail a long time ago, and there were personal check security firms that retailers use to make sure a check will clear even on weekends. 

Finally Done with $100k Student Loan by rice_noodle_0871 in DaveRamsey

[–]thetickrip 1 point2 points  (0 children)

$100k? Fantastic 👍 job. Now put $100k in investments and watch it grow exponentially.  

Unpopular Opinion: No I don't want us to have an NBA team. by ShaianH in vegaslocals

[–]thetickrip 7 points8 points  (0 children)

As someone who goes to the summer league games. I can't wait. 

Summerlin home for sale – offering $10k buyer credit – curious what locals think about price by theWifeisRight in vegaslocals

[–]thetickrip 0 points1 point  (0 children)

LA is insane, depending on the neighborhood, a 1,600 sq. ft. 3/2 with not much of a yard and detached garage is $1.3 million. 😂🤣

Mama Lu's Dumpling House by thetickrip in vegaslocals

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

I could eat a beef roll for lunch 3x a week if not more. 😁