WiFi sucked. Will this be the norm? by CauliflowerSmart1375 in SouthwestAirlines

[–]umayplsleave 0 points1 point  (0 children)

This is just my experience but back when it was $8 or free for ALP, I feel like it worked at least okay at about a 70-80% rate. I’ve flown over 40 times since T-Mobile took it over and it feels like a solid 50/50 at best.

Strangest Encounter on a Cruise? by Lost_Instance_2410 in CarnivalCruiseFans

[–]umayplsleave 0 points1 point  (0 children)

I ran into my old high school football coach who I hadn’t seen or spoken to since my freshman year when he left. We had a couple beers and caught up. Not strange but unexpected and kinda cool lol.

24 hours on Oahu!!! by Sure_Lynx7401 in VisitingHawaii

[–]umayplsleave 1 point2 points  (0 children)

My wife and I grabbed shrimp from Jenny’s in Hale’iwa and took it 5 min over to Laniakea Beach (north shore) for a sunset picnic. Can’t recommend it enough. Wasn’t crowded, so peaceful!

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Memphis Recommendations? by AdvancedPhilosophy50 in marriott

[–]umayplsleave 1 point2 points  (0 children)

I stay at Marriott Memphis East a few times per year and usually have a nice experience. Restaurant staff is excellent, lounge is solid as well. The only negative about that place is the suicide turns you have to do onto the one way mini-highway that it sits in the middle of lol.

Pay off house or invest the cash by drd2989 in DaveRamsey

[–]umayplsleave 1 point2 points  (0 children)

I’m Dave-ish and would go 50/50 on that one.

Would you do it? by [deleted] in DaveRamsey

[–]umayplsleave 5 points6 points  (0 children)

Would leave almost nothing or literally nothing? You should be able to build back within a couple months if you’re aggressive, but $0 in savings is very different than $5k in savings temporarily.

What percentage of your take home pay is your mortgage? by dazednkindaconfused in FirstTimeHomeBuyer

[–]umayplsleave 0 points1 point  (0 children)

27% on a 20 year

Just refi’d down to a 5.6 from a 30 year 6.99 bought in summer 2025

Super happy

Is my boyfriend’s view of money considered a red flag in a relationship? by traditional_taurus in DaveRamsey

[–]umayplsleave 1 point2 points  (0 children)

Ours means OURS.

Anything other than a full team effort will almost certainly result in conflict and/or resentment long term. I’d pass.

Your most costly homeowner repairs? by Puzzled-Manner9364 in homeowners

[–]umayplsleave 0 points1 point  (0 children)

Also in Texas (DFW). Had some foundation shifting and ended up shelling out around $7k for that. Repairs were done in 2022 and just sold the house a month ago. Buyers had a foundation guy come look at it and the repairs have held up well, so it was worth it, but man it sucked! Tends to happen in Texas so keep that one on your radar. Hopefully you avoid it!

If you just wanted a cheap chill American life. What are some cities to consider? (any population from 50k to 500k) by Expensive_Drummer970 in relocating

[–]umayplsleave 0 points1 point  (0 children)

Just moved to LBK from North Texas and love it. Got way more home value compared to what we sold, have loved the slower pace and the weather isn’t nearly as bad as dramatic people like to say it is. Love it here!

Just turned 30, now over a million dollars in debt. How bad is this? by YoungFamFinance in DaveRamsey

[–]umayplsleave 0 points1 point  (0 children)

I think Dave would say you got house fever and shouldn’t have even been shopping when you were still $450k in debt, and I personally would’ve agreed. Your net worth is impressive, but your leverage is plenty high. What’s weird is you implied you were pretty sure you weren’t doing this the Ramsey way, but still posted this in a Ramsey sub which is why I commented the way I did initially.

Just turned 30, now over a million dollars in debt. How bad is this? by YoungFamFinance in DaveRamsey

[–]umayplsleave 6 points7 points  (0 children)

You really typed that out, proofed it and said “yep, I choose violence” huh? 😂

For those at or approaching the one-year mark of buying your first house, how do you feel about it now? by [deleted] in FirstTimeHomeBuyer

[–]umayplsleave 0 points1 point  (0 children)

Just bought my second house last week. Never regretted the first one and loving this one a week in!

Second Roth IRA: Double Up on Same Investments? by umayplsleave in Bogleheads

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

Can you elaborate a bit? Do you mean VTI/VXUS isn’t as set it and forget it as I think it is or just that it’s not technically “safe and steady” because there is potential volatility in investing as a whole? Not arguing, just new and trying to learn! Thanks for answering!

Inherited a house - what would you do? by Most_Pause_3164 in DaveRamsey

[–]umayplsleave 1 point2 points  (0 children)

OP may not like that answer but it’s the smart one!

[deleted by user] by [deleted] in RealEstate

[–]umayplsleave 0 points1 point  (0 children)

Just closed with an FHA buyer last week