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do you live with roommates? its certainly an option but its a pretty desperate option for someone in a relationship in their 30's. I don't think katestar is at that level of desperation.
Yes, and I hope to continue doing so until I'm married or have a net worth north of $250,000. Whichever comes first.
Yes, and I hope to continue doing so until I'm married or have a net worth north of $250,000. Whichever comes first.
well, I think I made an incorrect assumption about you. I figured you were older and married. I had roommates also before I moved in with my wife. I believe katestar is in a long term relationship so I doubt she is looking to take on a roommate.
well, I think I made an incorrect assumption about you. I figured you were older and married. I had roommates also before I moved in with my wife. I believe katestar is in a long term relationship so I doubt she is looking to take on a roommate.
well, I think I made an incorrect assumption about you. I figured you were older and married. I had roommates also before I moved in with my wife. I believe katestar is in a long term relationship so I doubt she is looking to take on a roommate.
Yes! I lived with roommates and/or partners ever since I moved out of my parents house after college. I live with my partner now and we have a baby coming. I've thought of getting a bigger place and possibly renting out the room, but every time I really consider it, I want to shoot myself. I feel that I've accomplished enough in my life that I can afford our $900/mos rent without roommates. Now mind you, we have a very small apartment and purposefully didn't go for something bigger to save money.
I hope to increase my salary by at least 50% in the next 5 years or so, that will help. We know to save everything, no extravagances or luxuries here, but we don't put away every penny, we like to enjoy life a little too
Yes! I lived with roommates and/or partners ever since I moved out of my parents house after college. I live with my partner now and we have a baby coming. I've thought of getting a bigger place and possibly renting out the room, but every time I really consider it, I want to shoot myself. I feel that I've accomplished enough in my life that I can afford our $900/mos rent without roommates. Now mind you, we have a very small apartment and purposefully didn't go for something bigger to save money.
I hope to increase my salary by at least 50% in the next 5 years or so, that will help. We know to save everything, no extravagances or luxuries here, but we don't put away every penny, we like to enjoy life a little too
From the years you did have roommates, did you put the difference towards retirement?
we sadly had to say good by to our friends who were also of the i will spend it now club.
well unexpectedly they both made it to retirement age and due to job loss they were forced to retire.
being of the belief of why waste money saving it ,i rather spend it while we are young , it left them in a terrible position and one they deeply regretted.
they now had to move away from family and friends to another part of the country where they could afford to live as nyc was no longer an option..
they were soooooo depressed and were beating themselves up for being so stupid.
being financially ignorant about retirement planning they had no clue how little what they did have would generate.
the same story was mine , when my folks had to pack up and move as well as they had to find an area they could afford down south. they missed the best parts of daily life with us and their grandkids.
as they say nothing is ever a problem until it is a problem.
Last edited by mathjak107; 01-19-2014 at 03:54 AM..
Hahaha - OP just needed someone to talk to tonight.
Now he is just talking, but in 40 or 50 years when he has an empty belly and jack squat to his name, he'll be howling for you to give him his "fair share" of what you accumulated through self-discipline and hard work.
The beauty of life is being able to give. You cannot give what you don't have. If you are constantly spending money, you have nothing to give when you leave this earth. The person with a $3 million retirement portfolio and a paid off house can pass all of his earnings to his / her descendants or donate it to charity.
The whole point is... a person with $1 million, can exist indefinitely on $40K / year (pegged to inflation) using the safe withdrawal rate of 4% per year. Then donate the rest to charity. They will never deplete their savings.
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