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Jan 19, 2023
2:28
:18
pm
TailgateU
All-American
My 2 cars combine to 378k miles. My last car payment was cash for a used-car
purchase. Previous car payment was cash for the other one. Both are 2008s. It's not hard to spend less if you are willing to drive something ugly or spend less on housing.
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TailgateU
Bio page
TailgateU
Joined
Aug 16, 2017
Last login
Sep 28, 2024
Total posts
11,125 (6 FO)
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Messages
Author
Time
A thought I sometime have: How the heck are people making it financially? I know
Undefeated
1/19/23 7:54am
I think a lot of people are just barely making it. Tons of debt.
deejo
1/19/23 7:58am
We didn’t start having kids until our late 20’s early 30’s. Both my wife and I
Magneto
1/19/23 11:07am
Me imagining just starting parenthood in my 30's:
LegitCoug
1/19/23 11:16am
That is definitely not the only way to do it…
Pretorian
1/19/23 1:21pm
Worked out great for us. All of our friends in our early 30’s either live in an
Magneto
1/19/23 1:59pm
To each their own but there are A LOT of people more successful than you who
Pretorian
1/19/23 3:57pm
The world has changed too much even in the last 3-5 years. We would not be in
Magneto
1/19/23 5:06pm
People do it… it has more to do with your job, work ethic, and priorities than
Pretorian
1/20/23 9:53am
As someone with very similar credentials, I can confirm that it's possible
justAnotherCoug
1/20/23 10:15am
I agree with your
Undefeated
1/20/23 11:20am
To each their own. Every family will make their own decisions and think they’re
Magneto
1/20/23 12:22pm
Bonus for having kids early: you can actually enjoy your grandkids.
TailgateU
1/20/23 5:04pm
RE: Bonus for having kids early: you can actually enjoy your grandkids.
Undefeated
1/20/23 5:28pm
I wonder this every time I visit Utah
SurfCoug
1/19/23 11:47am
That is so not unique to Utah, people just over spend on different things elswhe
Pretorian
1/19/23 1:22pm
Not so sure
SurfCoug
1/20/23 11:27am
I'm always amazed at the disparity between median home prices and median incomes
justAnotherCoug
1/19/23 8:00am
The Top % can afford multiple homes. The lower % live multiple family per home
FromCAtoUT
1/19/23 8:02am
I have some siblings I have no idea how they are making it. They don’t have
Chefcurry
1/19/23 8:01am
For me, getting a different Job and working with my wife on a family budget.
JohnnyC
1/19/23 8:01am
My thought to go along with that: how do people afford cars?
LegitCoug
1/19/23 8:02am
The car prices people pay are crazier to me than the house prices
Gustav
1/19/23 8:08am
IMO, a significant number of new car purchases are made by people who probably
shoganai
1/19/23 8:10am
Most pay over time
Archaea
1/19/23 8:26am
I think many, of us have had high levels of prosperity for so long that
Null
1/19/23 8:04am
A fair observation.
mbs6
1/19/23 8:39am
Very true. Will soon increase my mortgage from 615 a month to 2900
PKCoug
1/19/23 9:22am
Inheritance is never mentioned in these conversations. Being given a house or
vagabonder
1/19/23 8:06am
"The Millionaire Nextdoor" suggests inheritance accounts for a small percentage
justAnotherCoug
1/19/23 8:27am
But also remember the term economic outpatient care.
kotacoug
1/19/23 8:40am
Refresh my memory? It's been a while.
justAnotherCoug
1/19/23 9:02am
Yes just saying that it’s a huge problem and that’s how many younger families
kotacoug
1/19/23 9:09am
When I first got into the work force I was amazed at the $ coworkers families
DiamondMo
1/19/23 8:27am
Bingo! I live in a ward full of people in this boat...
FulhamUte
1/19/23 8:28am
Pays his kids tithing?! What the what?!
U.E. McGill
1/19/23 9:08am
I thought the same thing😂
JohnnyC
1/19/23 9:11am
Yep...
FulhamUte
1/19/23 9:29am
This is crazy. If that’s the case they should argue it’s being double tithed!
DiamondMo
1/19/23 9:33am
I think there was a big thread on CB about this. Kids still pay tithing
kotacoug
1/19/23 10:03am
It sounds like it could be that the child doesn’t pay their own tithing. Or as
DiamondMo
1/19/23 10:30am
If the kid…
FulhamUte
1/19/23 11:21am
Kid pays dad his tithing…. He doesn’t need to know how it technically works…I’ve
kotacoug
1/19/23 11:35am
Right...
FulhamUte
1/19/23 12:13pm
Wow 😲
Pretorian
1/19/23 10:32am
I've seen this too. Partially as a tax strategy for the parents
justAnotherCoug
1/19/23 9:39am
RE: Bingo! I live in a ward full of people in this boat...
flatliner
1/19/23 1:22pm
"Making it" in terms of having enough to meet necessities is still very simple
shoganai
1/19/23 8:07am
The idea that anyone struggling to get by is an addict or dropout is an interest
vagabonder
1/19/23 8:12am
I think it largely depends on where you draw the line of "struggling" vs.
shoganai
1/19/23 8:23am
No need to put "assistance" in quotes when you were given free housing until you
vagabonder
1/19/23 8:29am
You appear to be trying to invalidate my opinion by ushering me into some bucket
shoganai
1/19/23 8:36am
Not shaming, just pointing out that you had an unearned advantage many people
vagabonder
1/19/23 8:42am
It appears you've now succeeded in finding an excuse you can justify for
shoganai
1/19/23 8:53am
You: Drug addiction and dropouts struggle with housing. Also you: My parents
vagabonder
1/19/23 9:03am
Yes. As we know, it's not reasonable for anyone like me to have an opinion on
shoganai
1/19/23 9:18am
I can agree with your premise, but still see you had a leg up.
ReiUrso
1/19/23 9:34am
I don't know why the number of legs up I, you, or anybody else had continues to
shoganai
1/19/23 9:46am
A couple of reasons, in my mind.
ReiUrso
1/19/23 10:13am
It was certainly not my intent to imply that only druggies or dropouts struggle.
shoganai
1/19/23 10:19am
RE: It was certainly not my intent to imply that only druggies or dropouts
flatliner
1/19/23 1:56pm
I actually like this discussion and I think both of you are correct. I think so
Sparkling Delirium
1/19/23 3:18pm
They just go into debt.
cougaman
1/19/23 8:13am
Not paying tithing or saving for retirement can add a bunch to the coffers....
TheHop
1/19/23 8:15am
I can't imagine all that I could do with all the tithing money. Thousands of
cougaman
1/19/23 8:33am
RE: I can't imagine all that I could do with all the tithing money. Thousands of
Sparkling Delirium
1/19/23 8:36am
It'd be like getting a raise, your lifestyle would adjust. I think very few
deejo
1/19/23 9:12am
Exactly. Between retirement savings & tithing I could have an extra $40k a year.
Frankfromtheballpark
1/19/23 12:20pm
Hopefully retired someday 😂 and then off to heaven after that.
Magneto
1/20/23 8:03am
The older I get the harder it is to pay tithing. I never thought that would be
Magneto
1/20/23 8:06am
I sometimes wonder how people are not making it. In school there were people
Powerbait DPM
1/19/23 8:37am
I disagree
DiamondMo
1/19/23 9:14am
Stayed out of debt other than my mortgage. Have a very, very secure job.
Adwight
1/19/23 8:39am
I don't understand how people afford all the huge homes I drive by in utah county. Where do all these people work?
Ted Lasso
1/19/23 8:40am
Aren’t you the guy that seems to take a dozen $10k vacations every year?
Joe Banks
1/19/23 9:00am
It seems that way, but no. I'm not.
Ted Lasso
1/19/23 9:01am
Many of us who vacation know how to do it cost effectively
Archaea
1/19/23 9:14am
I'm probably not far behind you in Disney parks fandom. I'm stunned sometimes
shoganai
1/19/23 9:56am
Got a killer low interest rate on the home refinance when they were giving away
paulb
1/19/23 8:55am
Same boat. Game changer for us
BamBamBigelow
1/19/23 12:23pm
Youth sports is what kills me. I swear some families are paying 20%+ of their
cougfanz
1/19/23 9:08am
You're not kidding. We spent $20k (Not 20%) on kids stuff in 2022.
justAnotherCoug
1/19/23 9:18am
Why are we doing this to kids and families? It's crazy.
Adwight
1/19/23 9:57am
wow. How many kids? What sports. Genuinely interested
HoustonCougar
1/19/23 10:44am
You could easily get there with 1 top level comp soccer team.
DiamondMo
1/19/23 11:04am
3 Kids. Lots of activities that change seasonally
justAnotherCoug
1/19/23 11:08am
ECNL level club soccer. 2k a year for one kid plus travel expenses.
Creaturecow
1/19/23 11:10am
Easy to get there and I only have 2 playing.
Cougstreak
1/19/23 12:31pm
Are you in utah? $20k seems light to me.
Cougstreak
1/19/23 12:24pm
Nah. We're East Coast too. And I'm not surprised. Our activities aren't crazy.
justAnotherCoug
1/19/23 12:28pm
Got it. Indoor field space is insanely expensive. Coaching/trainer prices is double Vs Utah.
Cougstreak
1/19/23 12:38pm
RE: Youth sports is what kills me. I swear some families are paying 20%+ of
DirtBikeDad
1/19/23 1:24pm
I pray as if everything is in the Lord's hands and I work as if everything is in
rbr
1/19/23 9:12am
There is a skill out there some people have that I don’t understand…
Pretorian
1/19/23 10:36am
Sometimes I wish I could be a little more like that. Mostly kidding, of course,
Sparkling Delirium
1/19/23 11:04am
I’m totally with you
Pretorian
1/19/23 1:27pm
I live in Magna. I make barely more than national average.
Creaturecow
1/19/23 11:05am
Nice perspective
U.E. McGill
1/19/23 12:28pm
<< Deleted >>
Longhaul
1/19/23 1:08pm
My 2 cars combine to 378k miles. My last car payment was cash for a used-car
TailgateU
1/19/23 2:28pm
True, but who said anything about it being ugly just cause it's old.
Creaturecow
1/20/23 7:40am
RE: I live in Magna. I make barely more than national average.
flatliner
1/20/23 9:41am
"after spending time dead" combined with your username indicates you
squidmark
1/20/23 9:58am
RE: "after spending time dead" combined with your username indicates you
flatliner
1/20/23 11:41am
We probably have a lot of things to talk about. I lost my father when I was
Creaturecow
1/20/23 10:32am
How long ago did you live in Tijuana?
Creaturecow
1/20/23 12:36pm
RE: How long ago did you live in Tijuana?
flatliner
1/20/23 1:22pm
Gotcha.
Creaturecow
1/20/23 1:54pm
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