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How a POORMO allocates his cash at the end of Q1
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Date: March 29th, 2024 9:42 AM Author: Translucent legend The end of Q1 is here! I have $25,415 in checking. So I will: Send $4,800 over to my money market account (this is specifically to buy homeowners insurance at the end of May) Send $4,100 over to my 4 children's 529 plans. Send $4,200 over to my mortgagee for prepayment of my home (this will take 4 months of payments off the current amortization table and if I keep to this schedule, my home will be PIF by the time my 4th kid goes to college) Send $4,000 over to brokerage to buy VTI. This will leave me with about $8,315 in checking, which I will use to pay next month's bills, like the mortgage, childcare, credit card bills, etc. This is my life. |
Date: March 29th, 2024 9:45 AM Author: Orchid institution sounds 180, i just bought some beer and found a new lizard in the park nearby to rape all night (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536199) |
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Date: March 29th, 2024 9:49 AM Author: Translucent legend My wife went to Starbucks this morning. She says she will clean the kitchen. I hope she follows through. Tommy over here in the USA there are a proliferation of coffee shops selling $6-$11 coffees. There's this one place called Dutch Bros that will fill up a big 30oz plastic cup of ice and then sell you a drink with a bunch of milk and sugar for like 35% premium over Starbucks. They always have a line. If you just go to the gas station, a sandwich is like $4.50 these days. It's insane. $4.50 for a gas station sandwich wrapped in cellophane with three-day-old egg salad and a soggy bun inside. |
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Date: March 29th, 2024 11:52 AM Author: Orchid institution i cant even imagine that shit
today i went to this 180 cafe and they have amazing 180 sandwiches, got a pesto chicken for like $3.5, later went back for dinner got a cheesteak for $4... tehy ahve 180 JUICE shakes too for $2
also found one of the best indian places ever, i get TANDOORI prawns and cheese naan for furking $5.93, its seriousyl the best value indian place ive ever found, even in bangkok that wld be $15-20 easily... i went there four days in a row, will go again tommorrow... reminds me of this angry lady in nicaragua years ago who sold lobster for $6, two tails with 180 sauce and rice for $6, i still remember that it was 180
DET TO AMERIKKKA man, bin laden was right |
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Date: March 29th, 2024 12:54 PM Author: Translucent legend That Indian restaurant sounds 180. There's a spot nearby that's run by Pakistanis. Sometimes my wife orders from there but it's like $70 for dinner if she does. And she's getting things like garlic naan, gobi manchurian, and maybe some dal, possibly something like spicy shrimp or yellow curry. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536617) |
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Date: March 29th, 2024 1:05 PM Author: Orchid institution hahaha chicken tikka masala is furking $15 now at this SF joint i use to go, it was like $6 back in the day
https://menupages.com/naan-n-curry/642-irving-st-san-francisco |
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Date: March 29th, 2024 11:52 AM Author: ungodly beta hissy fit I know a prole that goes to Sonic and pays something like 80 cents for a cup of ice in which she then pours her water into. It boggles the mind how many people tolerate driving to places, waiting in lines in their cars, and wasting money on stupid shit. Time is not something that proles value, and that's why they see no issue with calling you out of the blue to waste 30 minutes discussing some problem (that they created) in a roundabout way and just waste your time too. It's because of this I don't answer any calls nor do I have a physical office to meet people in. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536370) |
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Date: March 29th, 2024 12:55 PM Author: Translucent legend My wife takes my kids to McDonald's for lunch. That's where she is at right now. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536619) |
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Date: March 29th, 2024 1:09 PM Author: Fishy Messiness Juggernaut This is the most damning thing you've ever said about her and about you. Shame on you. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536681) |
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Date: March 29th, 2024 1:10 PM Author: Translucent legend Apparently she just orders a water and lets them play in the playground, which the kids really love for some reason. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536684) |
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Date: March 29th, 2024 8:39 PM Author: Fishy Messiness Juggernaut Nobody believes that (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538097) |
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Date: March 29th, 2024 9:45 PM Author: Translucent legend Ok, I just looked, she spent $23 while there. Although $23 is probably a water and 3 Happy Meals these days. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538253) |
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Date: March 29th, 2024 11:21 AM Author: Translucent legend (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536335) |
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Date: March 29th, 2024 11:30 AM Author: Seedy roommate locale Bad time to buy VTI, given that it’s skewed to large caps that are currently over valued. Would be better to buy US small and mid cap stocks or non-US stocks that are less in a bubble. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536344) |
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Date: March 29th, 2024 11:53 AM Author: Orchid institution ljl who knows, only the jews know (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536371) |
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Date: March 29th, 2024 12:58 PM Author: Translucent legend cr, also vti pays a smaller dividend than some of the small cap stuff I have read about the strategy of tilting to small cap value and I understand that the studies suggest you can get upwards of 1% premium if held over a very long time, but there's a lot more volatility and I just haven't felt ready to shift over to that strategy yet. Maybe when my portfolio gets a little bit bigger then I will do that because the volatility will be less scary. I don't know. |
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Date: March 29th, 2024 1:09 PM Author: Orchid institution when i looked into this shit re small and mid caps i just felt it was bullshit cause they really underperform when the broader market does well (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536682) |
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Date: March 29th, 2024 1:12 PM Author: Translucent legend I have a very close friend who fully implemented a small cap tilt about 4-5 years ago. He has said that after all this time he's not seeing a clear difference yet. But I guess the strategy plays out over 30+ years not over 4. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536689) |
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Date: March 29th, 2024 1:13 PM Author: Orchid institution lol it wld just be annoying watching the market and if it goes up 1% one day u see barely any of that
not worth it |
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Date: March 29th, 2024 8:17 PM Author: Violet Excitant Therapy Genital Piercing Owning Nasdaq is a more reliable way of getting a premium over the long haul. Nasdaq beat S&P nineteen out of the last twenty 20-year rolling periods. More volatile in the short run, of course (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538043) |
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Date: March 29th, 2024 11:55 AM Author: Violet Excitant Therapy Genital Piercing It's crazy how we're basically always in a bubble for the past 10 years, even just 1.5 years after a 25% drop we're somehow in a bubble again (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536382) |
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Date: March 29th, 2024 12:20 PM Author: Seedy roommate locale Valuations are frothy and mega caps are at all time highs (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536457) |
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Date: March 29th, 2024 8:20 PM Author: Coral free-loading party of the first part twinkling uncleanness You realize VTI will rebalance if current mega caps were hit hard, right? Unless you are in finance with access to inside info it makes zero sense to do anything other than buy VTI every month like clockwork. I’d put a lot of money on the guy doing that over 20 years vs anything else (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538051) |
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Date: March 29th, 2024 11:50 AM Author: Adulterous disturbing crackhouse place of business lol youre rich, have a family, and are getting healthy. maybe stop comparing yourself to CSLG or something (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47536364) |
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Date: March 29th, 2024 9:46 PM Author: Translucent legend No I’m not. I just have my family. I got a client we are going to send out a demand letter next week. Kind of excited about that. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538256) |
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Date: March 29th, 2024 9:50 PM Author: ungodly beta hissy fit What are you gonna demand, that he suck your dick? (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538270) |
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Date: March 29th, 2024 9:57 PM Author: Translucent legend No. This is actually a slam dunk case where a landlord wrongfully withheld security deposit and has waived all defenses by not delivering an accounting to tenant within statutory period. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538299) |
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Date: March 29th, 2024 10:39 PM Author: ungodly beta hissy fit wtf i thought you were prestigious why are you doing this shitlaw? (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538410) |
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Date: March 29th, 2024 10:40 PM Author: Translucent legend I will do anything to earn a fee, brother. I love the thrill of a freshly earned fee. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538412) |
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Date: March 29th, 2024 10:54 PM Author: ungodly beta hissy fit Is there anything you wouldn't do? (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538439) |
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Date: March 29th, 2024 11:09 PM Author: Translucent legend I’d do anything for a fee, brother. I just want to finally maek it. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538469) |
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Date: March 29th, 2024 8:25 PM Author: Up-to-no-good striped hyena actual poormos do financial planning weekly or bi-weekly. the hell is a Q1? (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538062) |
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Date: March 29th, 2024 9:49 PM Author: Translucent legend Q1 is an abbreviation for the first quarter of the year, which ends on 31 Mar. 2024. That’s a Sunday, and today was Good Friday, so quarter has closed. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538268) |
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Date: March 29th, 2024 9:48 PM Author: gaped charismatic corner You're actually doing quite well, friend. I have prole co-workers with like $60 in their accounts who are constantly in fear of eviction. Many of them don't even have a car. (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538265) |
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Date: March 29th, 2024 9:51 PM Author: Translucent legend What would they think of a guy who saves $16k of excess each month (or quarter)? There really is nothing to buy. Some day I’ll poast a pic of my credit card statement. It’s nothing but the grocery store, gas stations, and about 2x a month, Costco’s. |
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Date: March 29th, 2024 9:56 PM Author: ungodly beta hissy fit I’ve spent $48k so far this year on my CC (http://www.autoadmit.com/thread.php?thread_id=5510683&forum_id=2#47538298) |