Author Topic: Mustachian People Problems (just for fun)  (Read 1194320 times)

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #1800 on: August 18, 2015, 07:52:13 PM »
I get asked similar questions too. Or I've been asked if I am Mormon. If people are really persistent wondering why I don't drink, I think one of the influences is actually a true sad story. A good friend's alcoholic mom commuted suicide when we were teenagers. That's a good reason to not drink, or at least not drink a lot.
Even aside from money, I don't generally want to drink that much - I'd much rather have one or two special drinks a month, or go on a bender once or twice a year, than go out twice a week. That said, I actually went out to a bar for drinks tonight for the first time in ages, but it was only because a bartender friend texted me to remind me that he owed me some free drinks.
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LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #1801 on: August 19, 2015, 03:30:05 AM »

I have been asked a few times if I'm a recovering alcoholic since I often decide not to drink alcohol when I'm out with friends... ;-)

I get asked similar questions too. Or I've been asked if I am Mormon. If people are really persistent wondering why I don't drink, I think one of the influences is actually a true sad story. A good friend's alcoholic mom commited suicide when we were teenagers. That's a good reason to not drink, or at least not drink a lot.
I dont drink alcohol because I just dont see the reason for paying to kill my brain cells. Also it does not taste good anyway.
But its hard to explain it so I just state a truth "doctor does not allow me to drink alcohol"
I really had to laugh as the doctor strongly forbid me to do something I dont do anyway :D

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1802 on: August 19, 2015, 07:11:42 AM »
I don't think most alcohol tastes very good (I don't want all the calories from the frou frou drinks I had in college).
People tell me I just need to develop a taste for it.

Why do I need to develop a taste for something really expensive? That's like developing a taste for fancy shoes or purses. It just isn't needed.

So I refrain.  I've never had a problem with not drinking, most people appreciate having a built in driver. I do find that once I tell people I'm not a recovering alcoholic, and just don't like to drink, they are more comfortable drinking around me.

Alcoholism does run in my family though. So I'm good with just abstaining.

Kitsunegari

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Re: Mustachian People Problems (just for fun)
« Reply #1803 on: August 19, 2015, 09:42:15 AM »
+ 1
I don't like alcohol in general, and I despise beer.
 People often told me it's a taste you develop, and it sounds so fucking stupid! WHY would I keep doing something harmful that I don't like with the only goal of start liking it? It sounds seriously dumb.
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dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #1804 on: August 19, 2015, 01:30:37 PM »
+ 1
I don't like alcohol in general, and I despise beer.
 People often told me it's a taste you develop, and it sounds so fucking stupid! WHY would I keep doing something harmful that I don't like with the only goal of start liking it? It sounds seriously dumb.

I only drink alcohol to increase my HDL.

I don't like classical music, and people tell me I need to develop a taste for it.  WHY would I damage my eardrums in this way just so I can start liking it?

BlueHouse

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Re: Mustachian People Problems (just for fun)
« Reply #1805 on: August 19, 2015, 01:54:58 PM »
Not exactly a "people" problem, but certainly a Mustachian one.

I tried putting all my Gross paycheck information into Quicken instead of Net paycheck information.  My taxes were so high related to my other spending categories that only tax categories and housing showed up on the default pie charts.  Everything else was so small in comparison that it just got grouped as "other".

You can't exclude categories from your reports in Quicken? I've never used Quicken so I don't know.

You can exclude from reports, but the default screen is a quick look at spending and it cannot be modified.  It stares you in the face every time you open Excel. 
This happened to me as well a few years ago.  I went back to my accountant and said he'd have to do something about how much I was paying in taxes.  Then I bought a fancy pants house and accompanying furniture.  and lots of other stuff I don't really need.  I don't have the problem any more.

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acorn

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Re: Mustachian People Problems (just for fun)
« Reply #1806 on: August 19, 2015, 05:34:34 PM »
We just discovered the hideous embarrassment of having the bank manage bow and scrape and rush to hold the door for us because we passed a (six figure) bit our savings through the bank.  It was awful.  I didn't know where to look.
This. We finally had to demand that they stop calling us with investment schemes or pitching anything when we're in the bank. Yes, we know how much is in our savings, (To the penny. Sort of.) and yes, we do have plans for it. Now go away, please. We did not get what we have by paying retail for investment opportunities and we're not going to start now.  And NO, we don't want to become your Wealth Management Clients, or whatever they call it. That money will ebb and flow, we're not going to maintain ridiculous balances just so you can give us imaginary "perks".

(For the record, we wanted to flip a house using cash. We did. We had fun. We made money. We're casually looking for another one, so yeah, our money is just sitting there for now. It's all good.)
This reminded me of possibly the most mustachian problem I have ever read on this board. It's from 2013, so posting it here again for the new forum members who may have missed this gold nugget.

Oh yes, I remember that. One of the best stories ever.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #1807 on: August 20, 2015, 12:47:22 AM »
We just discovered the hideous embarrassment of having the bank manage bow and scrape and rush to hold the door for us because we passed a (six figure) bit our savings through the bank.  It was awful.  I didn't know where to look.
This. We finally had to demand that they stop calling us with investment schemes or pitching anything when we're in the bank. Yes, we know how much is in our savings, (To the penny. Sort of.) and yes, we do have plans for it. Now go away, please. We did not get what we have by paying retail for investment opportunities and we're not going to start now.  And NO, we don't want to become your Wealth Management Clients, or whatever they call it. That money will ebb and flow, we're not going to maintain ridiculous balances just so you can give us imaginary "perks".

(For the record, we wanted to flip a house using cash. We did. We had fun. We made money. We're casually looking for another one, so yeah, our money is just sitting there for now. It's all good.)
This reminded me of possibly the most mustachian problem I have ever read on this board. It's from 2013, so posting it here again for the new forum members who may have missed this gold nugget.

Oh yes, I remember that. One of the best stories ever.

How much do you need for them to bow and scrape?  I think I'm lucky since I'm in a high-income area.  Get treated respectfully but not obscenely.

My wife went to open an account with a $50k minimum to waive the $30/mo fee.  They were really pissy that she didn't want to give them the $50k interest free, until they learned she is a doctor.  Now they don't stop calling her to see how she's doing (she still doesn't keep much cash in that account... we have it for other reasons).

fitfrugalfab

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Re: Mustachian People Problems (just for fun)
« Reply #1808 on: August 20, 2015, 12:35:42 PM »
Not at all. But the larger the 'stash got, the more it felt like we were showing off or bragging about it rather than just sharing information. Also, we've been wondering whether our success might make someone feel bad about himself rather than happy for us.
Yeah, most people don't like to talk about money if you're frugal and doing nicely. It's fine if you're broke, and it's fine if you're spending, but talking about how much you earn (through a job or investments) or how much you don't spend rubs people the wrong way for some reason.

I couldn't help telling my parents when I crossed into six figure net worth, and while they were nice about it, I've gotten a couple "you should live your life while you're young enough to enjoy it" lectures since then...

I've received the whole "you young live your life..." lecture as well. My DH and I are in our twenties but we have much bigger plans and contrary to what others may think, we do enjoy the way we live our lives.
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Spiffsome

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Re: Mustachian People Problems (just for fun)
« Reply #1809 on: August 20, 2015, 05:49:44 PM »
My grandparents were very, very frugal and it paid off. Now that I've declared my intent to retire early, everything I do seems to be viewed the same way. No, I'm not shorting you on the gravy powder to save money, I just suck at estimating quantities. No, I'm not brewing or making cheese to save money, I just think I can do a better job and want to learn a new skill. No, we didn't pay off the house early to save money, I just hate the bank!

It's getting to the point where I'm buying Christmas presents and worrying about whether they look expensive enough to convince my family that I'm not deliberately shorting them. 

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #1810 on: August 20, 2015, 07:31:09 PM »
+ 1
I don't like alcohol in general, and I despise beer.
 People often told me it's a taste you develop, and it sounds so fucking stupid! WHY would I keep doing something harmful that I don't like with the only goal of start liking it? It sounds seriously dumb.
Ha! This post makes me laugh. I had absolutely no taste for beer until after I turned 40. Suddenly I kinda liked it, in moderation, of course. Then menopause hit. The least amount of alcohol screws with my ability to stay asleep, so sleep wins. So long, beer. It was nice to know ya, even if it was only a brief fling.
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nazar

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Re: Mustachian People Problems (just for fun)
« Reply #1811 on: August 20, 2015, 09:02:59 PM »
I finally had to make a big production of putting my bike helmet and gloves down on the counter, looking at him like I was going to burst into tears and saying "I just want to cash my check, will you let me do that or not?"  I was cashing a rebate check for about three dollars.

Find a bank that has check deposit in their smartphone app.  Problem  solved.  Less than a minute to snap photos of the front and back of a check vs. a time consuming trip to bank.



clarkfan1979

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Re: Mustachian People Problems (just for fun)
« Reply #1812 on: August 21, 2015, 12:03:09 AM »
When people complain about how life is rough and they need to get a raise its weird because I have nothing to contribute. Because I'm a professor, I get lumped in the "poor teacher" category with some people. It's weird when I have to play along with it. If I try to correct them with my financial situation, I can get blamed for being a greedy rich person.

clarkfan1979

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Re: Mustachian People Problems (just for fun)
« Reply #1813 on: August 21, 2015, 12:09:18 AM »
One of my graduate school friends was trying to get me to sign up for one of the income based re-payment plans for student loans. I make too much money for this to be worth it, but I don't know how to say that politely. I'm just going to pay it off in 5 years instead of 20-25 years. I'm sure the income based plan works great for them, but not for me.

Ozapftis

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Re: Mustachian People Problems (just for fun)
« Reply #1814 on: August 21, 2015, 03:06:34 AM »
My grandparents were very, very frugal and it paid off. Now that I've declared my intent to retire early, everything I do seems to be viewed the same way. No, I'm not shorting you on the gravy powder to save money, I just suck at estimating quantities. No, I'm not brewing or making cheese to save money, I just think I can do a better job and want to learn a new skill. No, we didn't pay off the house early to save money, I just hate the bank!

It's getting to the point where I'm buying Christmas presents and worrying about whether they look expensive enough to convince my family that I'm not deliberately shorting them.

Haha, I can so relate to that. Just the other day when my wife did the laundry, my parents-in-law dropped by unexpectedly. So, when my MIL helped DW hang up some of my t-shirts on the clothesline she noticed that a few shirts had faded imprints. MIL: "So this is how you become a millionaire?". NO, they just happen to be my favorite t-shirts!

midweststache

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Re: Mustachian People Problems (just for fun)
« Reply #1815 on: August 21, 2015, 06:27:47 AM »
I finally had to make a big production of putting my bike helmet and gloves down on the counter, looking at him like I was going to burst into tears and saying "I just want to cash my check, will you let me do that or not?"  I was cashing a rebate check for about three dollars.

Find a bank that has check deposit in their smartphone app.  Problem  solved.  Less than a minute to snap photos of the front and back of a check vs. a time consuming trip to bank.

This would definitely work this this particular context, but for many of the other examples on the forum it would not. Our check deposit app (with CapitalOne 360) has a $5,000/day limit and a $10,000/month limit, so if you have a single check for more than either of those amounts you have to go through a much more convoluted process, and since our bank has no brick-and-mortar fronts, they actually prefer you to keep a second, brick-and-mortar bank for, among other reasons, this express purpose.

... all of which I guess still qualify as Mustachian people problems, yes? :)

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1816 on: August 21, 2015, 06:48:08 AM »
I am so freaking tired of people on the baby forums telling me to sign up for medicaid! 

It doesn't matter that there are higher income limits for pregnant women.  My salary alone is more than double them, much less my household.

I've never once complained about pregnancy costs- just when people ask what the pregnancy+birth will cost you I say that it is going to come to about $6k, which is true.

The assumption that $6k is any sort of hardship is not true. 

barbaz

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Re: Mustachian People Problems (just for fun)
« Reply #1817 on: August 21, 2015, 06:58:50 AM »
+ 1
I don't like alcohol in general, and I despise beer.
 People often told me it's a taste you develop, and it sounds so fucking stupid! WHY would I keep doing something harmful that I don't like with the only goal of start liking it? It sounds seriously dumb.
While I enjoy many kinds of alcohol, I dislike beer too. Which is kinda bad because here in Germany you get weird looks when everyone orders beer and you don't.

But then I found the perfect solution to this "problem": (dark) yeast wheat (wikipedia).
First, it creates the impression that you know what you want when you order a specific kind of beer. At the same time, it relieves you from these endless pointless debates whether Becks is better than Heinecken and whatnot.
Second, it is always served in 0.5L glasses. So while everyone sips on their tiny bottle, you get a man's glass. Of course it takes longer to complete so people understand that you're not ordering new beers round after round and don't notice that you've only had one beer the whole evening.
Third, it is cloudy and thus (especially the dark beer) looks super manly and hardcore.
And finally, now sit down for this plot twist, despite its appearance yeast beer is really mild and barely has that beer-taste that I (and maybe you too) so despise.

I just love it.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #1818 on: August 21, 2015, 07:18:36 AM »
I finally had to make a big production of putting my bike helmet and gloves down on the counter, looking at him like I was going to burst into tears and saying "I just want to cash my check, will you let me do that or not?"  I was cashing a rebate check for about three dollars.

Find a bank that has check deposit in their smartphone app.  Problem  solved.  Less than a minute to snap photos of the front and back of a check vs. a time consuming trip to bank.

This would definitely work this this particular context, but for many of the other examples on the forum it would not. Our check deposit app (with CapitalOne 360) has a $5,000/day limit and a $10,000/month limit, so if you have a single check for more than either of those amounts you have to go through a much more convoluted process, and since our bank has no brick-and-mortar fronts, they actually prefer you to keep a second, brick-and-mortar bank for, among other reasons, this express purpose.

... all of which I guess still qualify as Mustachian people problems, yes? :)

Ally's eCheck Deposit has a limit of $50k/day ($250k/month), which should be sufficient for most people. Though I just got a check from selling my house that is made out to both me and my wife and my Ally account is not joint. So we tried to use Wells Fargo's equivalent... $2500/day limit! And of course the check happens to be ~$2570...

So this is my Mustachian problem this week. The town we just moved to does not have a single branch of a bank for which we have an account, so we either need to deposit this electronically or open a new bank account. I have one more account I think I can try to do a mobile deposit with and I've started the paperwork to make Ally a joint account. Of course, having to wait to deposit this check is only annoying and doesn't affect our short-term finances whatsoever.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #1819 on: August 21, 2015, 03:20:14 PM »
I finally had to make a big production of putting my bike helmet and gloves down on the counter, looking at him like I was going to burst into tears and saying "I just want to cash my check, will you let me do that or not?"  I was cashing a rebate check for about three dollars.

Find a bank that has check deposit in their smartphone app.  Problem  solved.  Less than a minute to snap photos of the front and back of a check vs. a time consuming trip to bank.

This would definitely work this this particular context, but for many of the other examples on the forum it would not. Our check deposit app (with CapitalOne 360) has a $5,000/day limit and a $10,000/month limit, so if you have a single check for more than either of those amounts you have to go through a much more convoluted process, and since our bank has no brick-and-mortar fronts, they actually prefer you to keep a second, brick-and-mortar bank for, among other reasons, this express purpose.

... all of which I guess still qualify as Mustachian people problems, yes? :)

Ally's eCheck Deposit has a limit of $50k/day ($250k/month), which should be sufficient for most people. Though I just got a check from selling my house that is made out to both me and my wife and my Ally account is not joint. So we tried to use Wells Fargo's equivalent... $2500/day limit! And of course the check happens to be ~$2570...

So this is my Mustachian problem this week. The town we just moved to does not have a single branch of a bank for which we have an account, so we either need to deposit this electronically or open a new bank account. I have one more account I think I can try to do a mobile deposit with and I've started the paperwork to make Ally a joint account. Of course, having to wait to deposit this check is only annoying and doesn't affect our short-term finances whatsoever.

I'm pretty sure Ally will deposit a joint check in a single account as long as you have both signatures.  I'd either chat to verify or just try it.  Otherwise, you really don't need to "start the paperwork to make Ally a joint account" you can just open a new joint account online in like 2 minutes.   It's really fast and free.

Fun fact: when I wired money from my Ally account for my down payment, I had to fax them a signed authorization form.  Because this was an important document, I signed it with my super-legible signature that I use for the DMV, back of credit card, etc.  They later called me and said I had to resend it because my signature didn't match all the sloppy signatures I've used on my recent checks. 
« Last Edit: August 21, 2015, 03:23:34 PM by dragoncar »

Merrie

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Re: Mustachian People Problems (just for fun)
« Reply #1820 on: August 21, 2015, 03:47:13 PM »
One of my graduate school friends was trying to get me to sign up for one of the income based re-payment plans for student loans. I make too much money for this to be worth it, but I don't know how to say that politely. I'm just going to pay it off in 5 years instead of 20-25 years. I'm sure the income based plan works great for them, but not for me.

I think the polite response is just some variant of "Oh, thanks for telling me, I'll look into it." And on the offchance they bring it up later just say you didn't think it was the right option for you, and then change the subject to what is going on with them.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #1821 on: August 22, 2015, 07:29:02 AM »
I finally had to make a big production of putting my bike helmet and gloves down on the counter, looking at him like I was going to burst into tears and saying "I just want to cash my check, will you let me do that or not?"  I was cashing a rebate check for about three dollars.

Find a bank that has check deposit in their smartphone app.  Problem  solved.  Less than a minute to snap photos of the front and back of a check vs. a time consuming trip to bank.

This would definitely work this this particular context, but for many of the other examples on the forum it would not. Our check deposit app (with CapitalOne 360) has a $5,000/day limit and a $10,000/month limit, so if you have a single check for more than either of those amounts you have to go through a much more convoluted process, and since our bank has no brick-and-mortar fronts, they actually prefer you to keep a second, brick-and-mortar bank for, among other reasons, this express purpose.

... all of which I guess still qualify as Mustachian people problems, yes? :)

Ally's eCheck Deposit has a limit of $50k/day ($250k/month), which should be sufficient for most people. Though I just got a check from selling my house that is made out to both me and my wife and my Ally account is not joint. So we tried to use Wells Fargo's equivalent... $2500/day limit! And of course the check happens to be ~$2570...

So this is my Mustachian problem this week. The town we just moved to does not have a single branch of a bank for which we have an account, so we either need to deposit this electronically or open a new bank account. I have one more account I think I can try to do a mobile deposit with and I've started the paperwork to make Ally a joint account. Of course, having to wait to deposit this check is only annoying and doesn't affect our short-term finances whatsoever.

I'm pretty sure Ally will deposit a joint check in a single account as long as you have both signatures.  I'd either chat to verify or just try it.  Otherwise, you really don't need to "start the paperwork to make Ally a joint account" you can just open a new joint account online in like 2 minutes.   It's really fast and free.

Fun fact: when I wired money from my Ally account for my down payment, I had to fax them a signed authorization form.  Because this was an important document, I signed it with my super-legible signature that I use for the DMV, back of credit card, etc.  They later called me and said I had to resend it because my signature didn't match all the sloppy signatures I've used on my recent checks.

I read online that Ally is strict about requiring both names on the account. I don't want to make a new account that I will close after making a single deposit either. I ended up being using the mobile deposit app from my credit union, which is already a joint account.

I've had mixed results with Ally's wire transfers. One took a few days go through which almost ruined the reason for the transfer. I had another that went through hassle-free on the same day.

Merrie

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Re: Mustachian People Problems (just for fun)
« Reply #1822 on: August 22, 2015, 10:59:41 AM »
Another Mustachian people problem:

We have a financial advisor. We started consulting with him in 2011 and have always been able to drop him a line about getting this or that put into place. We did it at the time because I felt like if I waited to find out the exact correct way to do everything, I'd never do it. He has helped us get set up with disability insurance, a college fund for our daughter, life insurance, and Roth IRAs. But I've been growing increasingly dubious about some of his approaches to things since I started getting more Mustachian, and I've also gotten better at taking initiative on my own. This year I transferred our daughter's college fund to a different processor that uses Vanguard funds and also transferred our retirement funds out of his control and to Vanguard. I did get the 2nd disability insurance plan that he recommended (I previously only qualified for one that paid 2 years of benefits) but against his recommendation set it up to kick in after 2 years and keep the old one as well, rather than cancelling the old one entirely.

So typically he pings us early in the summer to see if we want to meet and talk things over.

This year he hasn't called us.

I think he's figured out that we don't really need him that much anymore. And that he's not going to get as many commissions.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #1823 on: August 22, 2015, 02:10:51 PM »
I've been trying to do some easy make-money-from-home stuff in my spare time... mostly taking surveys and doing Mechanical Turk. I'm currently in an endless loop of being rejected for Pollbuzzer surveys because I'm "not a good fit." Do you own any of these fancy electronic items? Have you recently purchased X Y or Z? How often do you dine at these casual restaurants? Which brands of margarine do you use? Do you smoke? Etc. Etc. All things that I never do or use or buy because they are too facepunchy or just plain bad for you.
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Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #1824 on: August 22, 2015, 02:53:19 PM »
I've been trying to do some easy make-money-from-home stuff in my spare time... mostly taking surveys and doing Mechanical Turk. I'm currently in an endless loop of being rejected for Pollbuzzer surveys because I'm "not a good fit." Do you own any of these fancy electronic items? Have you recently purchased X Y or Z? How often do you dine at these casual restaurants? Which brands of margarine do you use? Do you smoke? Etc. Etc. All things that I never do or use or buy because they are too facepunchy or just plain bad for you.

The only ones I ever get are CCs. "Which of these rewards cards have you heard of? Which do you use?" Check, check, check.
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Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #1825 on: August 22, 2015, 03:07:46 PM »
The only ones I ever get are CCs. "Which of these rewards cards have you heard of? Which do you use?" Check, check, check.
I do great with the surveys on Mechanical Turk because they are more academic/social science type stuff, and less consumery stuff. I may just ditch Pollbuzzer as a waste of time. I ended up going through something like 12-13 screeners today before it finally kicked me out with an apology saying there were no surveys to match me with at this time... earnings: $0.
Referrals for...
Prolific Academic: http://www.prolific.ac/rp?ref=3PJ4H43L (Earn money by taking academic surveys - way better than mturk, I average ~$9/hr)
Robinhood: http://bit.ly/2uGXBPG (Get a free stock!)

frugalparagon

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Re: Mustachian People Problems (just for fun)
« Reply #1826 on: August 24, 2015, 06:42:00 PM »
I've been trying to do some easy make-money-from-home stuff in my spare time... mostly taking surveys and doing Mechanical Turk. I'm currently in an endless loop of being rejected for Pollbuzzer surveys because I'm "not a good fit." Do you own any of these fancy electronic items? Have you recently purchased X Y or Z? How often do you dine at these casual restaurants? Which brands of margarine do you use? Do you smoke? Etc. Etc. All things that I never do or use or buy because they are too facepunchy or just plain bad for you.

If you have a smartphone, Leapforce At Home might be a better fit. It's a more consistent way to make a few bucks at home online.
I blog about Mustachianism during the child-raising years at frugalparagon.com.

And I tell the real story in my journal, https://forum.mrmoneymustache.com/journals/still-living-well-in-the-living-room-but-what's-my-next-move/

Sanne

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Re: Mustachian People Problems (just for fun)
« Reply #1827 on: August 25, 2015, 07:49:03 AM »
People laugh at me if I tell them my goal is to pay of my student loans in 2017 before August. I'm not the one that brings it up but if people are talking student loans and ask me if I have them, I tell them yes but this is my goal. I'm not sure why people laugh. Uncomfortable? Or they don't think it's possible? Maybe a combination.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #1828 on: August 25, 2015, 08:12:15 AM »
People laugh at me if I tell them my goal is to pay of my student loans in 2017 before August. I'm not the one that brings it up but if people are talking student loans and ask me if I have them, I tell them yes but this is my goal. I'm not sure why people laugh. Uncomfortable? Or they don't think it's possible? Maybe a combination.

I paid off ~$50k in Student loans about 3.5 years after graduating college despite purchasing a house with a $1500+/month mortgage payment within half a year of getting my first job. Our annual household income during that period was about $70k. I could have paid it off way faster by being a bit more frugal and not purchasing a house in 2008...

Lizzy B.

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Re: Mustachian People Problems (just for fun)
« Reply #1829 on: August 25, 2015, 08:52:22 AM »
My  mustachian problem for today (well, yesterday, really) was hiding my excitement that stocks were going on sale and that I was getting a (very small) test of my investing nerves.  The market has done so well in the 5years I've been seriously investing, that I haven't gotten to test my comfort level of my asset allocation.  This was the first decline where I'd had enough invested to actually "lose" a reasonably sized number!   It isn't seemly to be happy about market declines in my current workforce. That said, I hope this or whatever happens in the next few days doesn't delay anyone's FIRE plans.

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #1830 on: August 25, 2015, 08:57:09 AM »
My  mustachian problem for today (well, yesterday, really) was hiding my excitement that stocks were going on sale and that I was getting a (very small) test of my investing nerves.  The market has done so well in the 5years I've been seriously investing, that I haven't gotten to test my comfort level of my asset allocation.  This was the first decline where I'd had enough invested to actually "lose" a reasonably sized number!   It isn't seemly to be happy about market declines in my current workforce. That said, I hope this or whatever happens in the next few days doesn't delay anyone's FIRE plans.

Yeah I feel like we're all suffering a particularly mustachian person problem watching the market at the moment... It'd be happy if I had any fresh capital to invest in cut price shares, but I don't at present!

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #1831 on: August 25, 2015, 10:48:37 AM »
Yeah, a real mustachian problem that I hadn't had a few thousands lying around yesterday.
The time I would have bought the DAX (german index) hedged would have been 5.25%, days end was -4.70%, today its up by 4.97%, so even normal woudl have been 5% win. With the 3x hedge I found, that is up 14,53 to yesterday. So likely to be ~16% at that point I choose.
Oh well...

That said I think we are not far away from a real crash, 15-20% down of the low yestarday, I still think near end of year. Lets see... better opportunity then?

Pooperman

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Re: Mustachian People Problems (just for fun)
« Reply #1832 on: August 25, 2015, 10:56:06 AM »
Yeah, a real mustachian problem that I hadn't had a few thousands lying around yesterday.
The time I would have bought the DAX (german index) hedged would have been 5.25%, days end was -4.70%, today its up by 4.97%, so even normal woudl have been 5% win. With the 3x hedge I found, that is up 14,53 to yesterday. So likely to be ~16% at that point I choose.
Oh well...

That said I think we are not far away from a real crash, 15-20% down of the low yestarday, I still think near end of year. Lets see... better opportunity then?

Just keep investing. It'll be good. I don't foresee a crash soon. A correction is expected and a bit delayed, but it's a good thing to have one. Hindsight is 20/20, no?

cripzychiken

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Re: Mustachian People Problems (just for fun)
« Reply #1833 on: August 25, 2015, 12:59:05 PM »
My  mustachian problem for today (well, yesterday, really) was hiding my excitement that stocks were going on sale and that I was getting a (very small) test of my investing nerves.  The market has done so well in the 5years I've been seriously investing, that I haven't gotten to test my comfort level of my asset allocation.  This was the first decline where I'd had enough invested to actually "lose" a reasonably sized number!   It isn't seemly to be happy about market declines in my current workforce. That said, I hope this or whatever happens in the next few days doesn't delay anyone's FIRE plans.

Still haven't logged onto Personal Capital to see what my damage was.  but I was talking to people at work and one person was going on about how she is glad she pulled out all her money last year and bought tons of gold (@ around 1350/oz and which she is paying to keep in a security box at a bank).  Didn't want to point out how much more she's lost from that choice, just kept to the whole "must stay diversified" line.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #1834 on: August 25, 2015, 01:14:43 PM »
My  mustachian problem for today (well, yesterday, really) was hiding my excitement that stocks were going on sale and that I was getting a (very small) test of my investing nerves.  The market has done so well in the 5years I've been seriously investing, that I haven't gotten to test my comfort level of my asset allocation.  This was the first decline where I'd had enough invested to actually "lose" a reasonably sized number!   It isn't seemly to be happy about market declines in my current workforce. That said, I hope this or whatever happens in the next few days doesn't delay anyone's FIRE plans.

Still haven't logged onto Personal Capital to see what my damage was.  but I was talking to people at work and one person was going on about how she is glad she pulled out all her money last year and bought tons of gold (@ around 1350/oz and which she is paying to keep in a security box at a bank).  Didn't want to point out how much more she's lost from that choice, just kept to the whole "must stay diversified" line.

Wow. Gold is ~$1140 now, so that's a 15% drop plus security box fees and no dividends...

Merrie

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Re: Mustachian People Problems (just for fun)
« Reply #1835 on: August 25, 2015, 10:00:19 PM »
Mustachian problem du jour: We have to transport our daughter to preschool. She likes the bike ride, and gets disappointed when we take the car. "But I wanted you to bike me!"

riverffashion

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Re: Mustachian People Problems (just for fun)
« Reply #1836 on: August 26, 2015, 06:36:33 AM »
Mustachian problem du jour: We have to transport our daughter to preschool. She likes the bike ride, and gets disappointed when we take the car. "But I wanted you to bike me!"

This is an excellent Mustachian problem to hav!

Zoot

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Re: Mustachian People Problems (just for fun)
« Reply #1837 on: August 26, 2015, 09:30:42 AM »
My Mustachian problems of the week:  wishing I had more side-lined capital to invest while stocks were on sale (I did have a few thousand, though, and got that in on Monday!), and having to revise my spreadsheets to account for an earlier-than-usual Roth IRA contribution.  Life is so hard.  :)

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #1838 on: August 26, 2015, 10:46:23 AM »
I'm moving and just changed the address on my car insurance and the rate dropped by half!  Shocking!  Lovely.  But I was counting on that insurance payment making up the bulk of the $500 I need to spend on my new credit card to get $150 cash back. I guess I can buy some grocery store gift cards to make up the difference.




Shropskr

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Re: Mustachian People Problems (just for fun)
« Reply #1839 on: August 26, 2015, 01:26:46 PM »
Just registered my kids for school yesterday". Had to fill out the reduced lunch fee paperwork.  We're FIRED but qualify for reduced lunch/fees at the kids school.  We choose not to use this benefit though.  Husband said yes we are intentionally leaving money on the table, but it's not mention for us and we don't need it.

1967mama

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Re: Mustachian People Problems (just for fun)
« Reply #1840 on: August 26, 2015, 04:18:56 PM »
Have to keep making extra trips to the library because kids keep winning prizes in the summer reading club:-)

Teen sons are doing the teen version and the end of the summer draw has a chance to win and iPad mini and several $50 book store gift cards:-)
Hey, somebody has to win!

ETA: Got 2 phone calls today from our local library for 2 different winners! YAY
« Last Edit: August 26, 2015, 07:13:08 PM by 1967mama »

singingbiologist

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Re: Mustachian People Problems (just for fun)
« Reply #1841 on: August 26, 2015, 06:59:25 PM »
I cannot relate to much of the hand-wringing by my fellow millennials because I have mercilessly slaughtered my (and my husband's) student debt.

Arktinkerer

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Re: Mustachian People Problems (just for fun)
« Reply #1842 on: August 26, 2015, 07:35:47 PM »
We normally hit the sales/markdown bins at the grocery and hardware stores.  Last couple of times we find ourselves saying "Nah, the sales price isn't that great".  We've gotten to where we try and time it so we hit them when they have the last markdowns before they scrap it.  We've gotten jaded with the sales and markdown prices!

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #1843 on: August 27, 2015, 03:34:43 AM »
I cannot relate to much of the hand-wringing by my fellow millennials because I have mercilessly slaughtered my (and my husband's) student debt.

So true! Was recently at a dinner where everyone was moaning, "I'll be working till I'm 75, I'm never gonna retire", and my husband agreed, and I was like, "Shut up, we're loaded" (but I said it quietly). I just cannot relate to people who tell me how broke they are whilst spending 200 a month on coffee and renovating their perfectly good house because they want a slightly bigger kitchen.

G-dog

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Re: Mustachian People Problems (just for fun)
« Reply #1844 on: August 27, 2015, 06:03:38 AM »
I cannot relate to much of the hand-wringing by my fellow millennials because I have mercilessly slaughtered my (and my husband's) student debt.

So true! Was recently at a dinner where everyone was moaning, "I'll be working till I'm 75, I'm never gonna retire", and my husband agreed, and I was like, "Shut up, we're loaded" (but I said it quietly). I just cannot relate to people who tell me how broke they are whilst spending 200 a month on coffee and renovating their perfectly good house because they want a slightly bigger kitchen.

Maybe his agreement was 'yes, YOU will be working till you are 75 (you spendthrift twits)'

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #1845 on: August 27, 2015, 06:55:33 AM »
I cannot relate to much of the hand-wringing by my fellow millennials because I have mercilessly slaughtered my (and my husband's) student debt.

So true! Was recently at a dinner where everyone was moaning, "I'll be working till I'm 75, I'm never gonna retire", and my husband agreed, and I was like, "Shut up, we're loaded" (but I said it quietly). I just cannot relate to people who tell me how broke they are whilst spending 200 a month on coffee and renovating their perfectly good house because they want a slightly bigger kitchen.

Maybe his agreement was 'yes, YOU will be working till you are 75 (you spendthrift twits)'

Ha ha, good point, hopefully that's what he meant! And if so, he's right, the people in question will be working a long long time to pay for all that crap they buy yet don't even seem to really want.

Candace

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Re: Mustachian People Problems (just for fun)
« Reply #1846 on: August 27, 2015, 07:04:17 AM »
I'm moving and just changed the address on my car insurance and the rate dropped by half!  Shocking!  Lovely.  But I was counting on that insurance payment making up the bulk of the $500 I need to spend on my new credit card to get $150 cash back. I guess I can buy some grocery store gift cards to make up the difference.
This is great.

2ndTimer

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Re: Mustachian People Problems (just for fun)
« Reply #1847 on: August 27, 2015, 09:18:19 AM »
We normally hit the sales/markdown bins at the grocery and hardware stores.  Last couple of times we find ourselves saying "Nah, the sales price isn't that great".  We've gotten to where we try and time it so we hit them when they have the last markdowns before they scrap it.  We've gotten jaded with the sales and markdown prices!

Similar problem here.  I used to love Outlet Malls in my pre-frugal life.  Now they seem way over-priced compared to the thrift store where I buy nearly everything.

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1848 on: August 27, 2015, 09:27:06 AM »
Woke up last night super stressed because I had gotten a text from Verizon that they canceled my plan because it was too inexpensive.

Took me about 10 minutes to realize it was a dream.

riverffashion

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Re: Mustachian People Problems (just for fun)
« Reply #1849 on: August 27, 2015, 01:37:10 PM »
Woke up last night super stressed because I had gotten a text from Verizon that they canceled my plan because it was too inexpensive.

Took me about 10 minutes to realize it was a dream.

Hahaha, that's hilarious