Author Topic: Mustachian People Problems (just for fun)  (Read 3684650 times)

SquashingDebt

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Re: Mustachian People Problems (just for fun)
« Reply #7700 on: August 06, 2020, 05:21:36 AM »
I was curious how my current net worth (just hit $200k, woo!) compared to the traditional retirement savings benchmarks, so was browsing a few websites.  I ended up on the Fidelity retirement savings calculator, which includes the age you want to retire.  I thought "Hmm, I guess I'll set it for 50.", trying to be conservative.  Then I found out the lowest it goes is 62!

talltexan

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Re: Mustachian People Problems (just for fun)
« Reply #7701 on: August 06, 2020, 08:49:55 AM »
It never occurred to me I could become wealthy until my wife downloaded the mint app and it put our net worth at $400,000. It created such a cognitive dissonance inside of me to have those kind of resources.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #7702 on: August 06, 2020, 10:56:20 AM »
It never occurred to me I could become wealthy until my wife downloaded the mint app and it put our net worth at $400,000. It created such a cognitive dissonance inside of me to have those kind of resources.
I usually just figure with invested assets, not full net worth.  Well last week we had to do a full net worth for a bank and boy that number was higher than I thought it would be!

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #7703 on: August 06, 2020, 11:42:20 AM »
Iím in a career where people can routinely retire early with a pension (law enforcement). Iím 5 years away from my date.  I hate having to explain that yes, I will be retiring and no I donít plan to take another job then.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #7704 on: August 06, 2020, 05:07:16 PM »
It never occurred to me I could become wealthy until my wife downloaded the mint app and it put our net worth at $400,000. It created such a cognitive dissonance inside of me to have those kind of resources.
Does Mint include Real Estate equity?

Seriously, that's a damn good start. Just wait until you hit the two comma club. At the rate you're going, it won't take long.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7705 on: August 06, 2020, 11:46:27 PM »
It never occurred to me I could become wealthy until my wife downloaded the mint app and it put our net worth at $400,000. It created such a cognitive dissonance inside of me to have those kind of resources.
Does Mint include Real Estate equity?

Seriously, that's a damn good start. Just wait until you hit the two comma club. At the rate you're going, it won't take long.

Mint will include whatever you want.  I have documented my $5000 equity in troll dolls

frapa

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Re: Mustachian People Problems (just for fun)
« Reply #7706 on: August 07, 2020, 12:44:01 AM »
Biking around so much for every day transport that my jeans are always wearing holes in the seat.
+1 My work jeans all have the same problem, too.

The last time I had to buy new pants was because they tore while cycling. I now start to think we should include the cost of pants in the cost of commuting, because they tear down much quicker :-)

Sent from my SM-G930F using Tapatalk


talltexan

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Re: Mustachian People Problems (just for fun)
« Reply #7707 on: August 07, 2020, 06:54:34 AM »
It never occurred to me I could become wealthy until my wife downloaded the mint app and it put our net worth at $400,000. It created such a cognitive dissonance inside of me to have those kind of resources.
Does Mint include Real Estate equity?

Seriously, that's a damn good start. Just wait until you hit the two comma club. At the rate you're going, it won't take long.

Mint will include whatever you want.  I have documented my $5000 equity in troll dolls

Using the word "equity" with troll dolls sure makes it sound like you've found a reputable financial institution that offered you a loan against them. Anyone else seeing this?

talltexan

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Re: Mustachian People Problems (just for fun)
« Reply #7708 on: August 07, 2020, 06:58:09 AM »
It never occurred to me I could become wealthy until my wife downloaded the mint app and it put our net worth at $400,000. It created such a cognitive dissonance inside of me to have those kind of resources.
Does Mint include Real Estate equity?

Seriously, that's a damn good start. Just wait until you hit the two comma club. At the rate you're going, it won't take long.

@Dicey DNPYM love to you as always!

I probably should have clarified that this episode occurred in the distant past, several years and one comma ago. After our most recent house transaction, I actually opted not to add our current house and mortgage into Mint because I didn't want members of my household thinking we were as rich as we are. Keeping that lean and hungry mindset!

crocheted_stache

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Re: Mustachian People Problems (just for fun)
« Reply #7709 on: August 07, 2020, 04:29:14 PM »
The MPP on my mind right now is that I saved up tons of money to RE, including a $12,000 annual travel budget, and a year and a half out from REing, I...am not so enthusiastic about making travel plans for next year. 

A big contributor is the truly horrible, godawful, horrifying experiences I had flying this year.  But even planning road trips or other non-airplane travel is not catching my imagination right now.  A few years ago, I was planning constant trips and didn't mind going solo most of the time - Svalbard/the Arctic Circle, Sri Lanka, a month hiking in Patagonia, trekking the Annapurna Circuit in Nepal and hiking in the Romanian Alps (both with a trekking group).  Now, it's just not ringing my bell.  I think I'll just stay home most of 2020, maybe do some local backpacking trips, and hope my wanderlust returns in future years.

You picked an awfully good year for staying home!

crocheted_stache

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Re: Mustachian People Problems (just for fun)
« Reply #7710 on: August 07, 2020, 04:37:44 PM »
My MPP: DH and I have been giving each other home haircuts for ages and cannot commiserate or even relate to all the complainypants neighbors and colleagues getting progressively shaggier and grumpier.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #7711 on: August 07, 2020, 06:16:33 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #7712 on: August 07, 2020, 06:32:15 PM »
I spent slightly less than 6% of my gross income year to date due to spending almost no money due to pandemic, not because of any higher income than usual... So taxes are even more dominant than usual.

I'll have a new benchmark for what truly minimal spending looks like though as this should be my lowest spending year on record by a wide margin.
« Last Edit: August 07, 2020, 06:34:40 PM by pdxmonkey »

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7713 on: August 07, 2020, 10:54:35 PM »
It never occurred to me I could become wealthy until my wife downloaded the mint app and it put our net worth at $400,000. It created such a cognitive dissonance inside of me to have those kind of resources.
Does Mint include Real Estate equity?

Seriously, that's a damn good start. Just wait until you hit the two comma club. At the rate you're going, it won't take long.

Mint will include whatever you want.  I have documented my $5000 equity in troll dolls

Using the word "equity" with troll dolls sure makes it sound like you've found a reputable financial institution that offered you a loan against them. Anyone else seeing this?

If you donít leverage your troll position, you are leaving money on the bridge

BicycleB

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Re: Mustachian People Problems (just for fun)
« Reply #7714 on: August 08, 2020, 12:28:45 AM »
It never occurred to me I could become wealthy until my wife downloaded the mint app and it put our net worth at $400,000. It created such a cognitive dissonance inside of me to have those kind of resources.
Does Mint include Real Estate equity?

Seriously, that's a damn good start. Just wait until you hit the two comma club. At the rate you're going, it won't take long.

Mint will include whatever you want.  I have documented my $5000 equity in troll dolls

Using the word "equity" with troll dolls sure makes it sound like you've found a reputable financial institution that offered you a loan against them. Anyone else seeing this?

If you donít leverage your troll position, you are leaving money on the bridge

Is this rule set in stone?

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #7715 on: August 08, 2020, 12:48:30 AM »
It never occurred to me I could become wealthy until my wife downloaded the mint app and it put our net worth at $400,000. It created such a cognitive dissonance inside of me to have those kind of resources.
Does Mint include Real Estate equity?

Seriously, that's a damn good start. Just wait until you hit the two comma club. At the rate you're going, it won't take long.

Mint will include whatever you want.  I have documented my $5000 equity in troll dolls

Using the word "equity" with troll dolls sure makes it sound like you've found a reputable financial institution that offered you a loan against them. Anyone else seeing this?

If you donít leverage your troll position, you are leaving money on the bridge

Is this rule set in stone?

It definitely gets my goat.

crocheted_stache

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Re: Mustachian People Problems (just for fun)
« Reply #7716 on: August 08, 2020, 12:53:09 PM »
MPP: Back-read this entire thread and ended up with a dozen more tabs open with recipes to try, an Amazon cart-filler search, a gift card exchange search, assorted free/open CAD options, calculators and spreadsheets, and other goodies that are sure to come in handy...someday.

sui generis

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Re: Mustachian People Problems (just for fun)
« Reply #7717 on: August 08, 2020, 03:41:47 PM »
The MPP on my mind right now is that I saved up tons of money to RE, including a $12,000 annual travel budget, and a year and a half out from REing, I...am not so enthusiastic about making travel plans for next year. 

A big contributor is the truly horrible, godawful, horrifying experiences I had flying this year.  But even planning road trips or other non-airplane travel is not catching my imagination right now.  A few years ago, I was planning constant trips and didn't mind going solo most of the time - Svalbard/the Arctic Circle, Sri Lanka, a month hiking in Patagonia, trekking the Annapurna Circuit in Nepal and hiking in the Romanian Alps (both with a trekking group).  Now, it's just not ringing my bell.  I think I'll just stay home most of 2020, maybe do some local backpacking trips, and hope my wanderlust returns in future years.

You picked an awfully good year for staying home!

Ha, good flashback, thanks for reminding me of this!  I had booked a trip to the Caucasus, but of course that didn't happen, and I ended up, as I suggested, doing some backacking trips, as well as a short road-trip.  And you know what I've said several times in just the last few weeks?  "I haven't been to an airport in almost 6 months and I could NOT be happier about that!"  I don't really miss traveling too much and I really, really don't miss flying and airports.  I wonder how long I'll feel that way?

NorthernMonkey

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Re: Mustachian People Problems (just for fun)
« Reply #7718 on: August 09, 2020, 01:54:32 AM »
The MPP on my mind right now is that I saved up tons of money to RE, including a $12,000 annual travel budget, and a year and a half out from REing, I...am not so enthusiastic about making travel plans for next year. 

A big contributor is the truly horrible, godawful, horrifying experiences I had flying this year.  But even planning road trips or other non-airplane travel is not catching my imagination right now.  A few years ago, I was planning constant trips and didn't mind going solo most of the time - Svalbard/the Arctic Circle, Sri Lanka, a month hiking in Patagonia, trekking the Annapurna Circuit in Nepal and hiking in the Romanian Alps (both with a trekking group).  Now, it's just not ringing my bell.  I think I'll just stay home most of 2020, maybe do some local backpacking trips, and hope my wanderlust returns in future years.

You picked an awfully good year for staying home!

Ha, good flashback, thanks for reminding me of this!  I had booked a trip to the Caucasus, but of course that didn't happen, and I ended up, as I suggested, doing some backacking trips, as well as a short road-trip.  And you know what I've said several times in just the last few weeks?  "I haven't been to an airport in almost 6 months and I could NOT be happier about that!"  I don't really miss traveling too much and I really, really don't miss flying and airports.  I wonder how long I'll feel that way?

I've lost my desire to travel far and wide, and instead I've started thinking about adventures much closer to home. Bike packing really appeals right now. Me, my bike and a tent. Only travelling 50 or so miles a day, but not at the whim of the TSA, airlines, immigration, visas or any of the other crap we have to put up when travelling

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #7719 on: August 09, 2020, 04:50:05 AM »
If you are tired of traveling, maybe you should look for youtube channels like Nippon Wandering
https://www.youtube.com/channel/UCIDTgYVs-rEHx-fE4qSPZhQ
Someone just takes a walk through the town for you. Day, night, sunshine, rain... you can have a calming experience from your seat - and see other parts of the world.

It certainly isn't the healthiest walk, but you save a lot of nerves and money and time ;)

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #7720 on: August 09, 2020, 09:10:45 PM »
https://www.youtube.com/watch?v=lpo62RjldVA

The channel is called "Pro Walks".

dcheesi

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Re: Mustachian People Problems (just for fun)
« Reply #7721 on: August 11, 2020, 08:19:22 AM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #7722 on: August 11, 2020, 10:49:07 AM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
That's because those super savers are not defined by the % of their income saved, but by the total amount.
If you can save 17'100 dollar it's extremely likely you are not earning minimum wage (Where a 30% savings rate would qualify you to me as a super saver), but more likely six figures. Then of course it is easy to save 30% if you don't hire cleaners or dog walkers like your peers.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #7723 on: August 11, 2020, 03:07:07 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7724 on: August 11, 2020, 03:40:15 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...
Heck yeah Iíd rather have a smaller house and a house cleaner than a larger house to clean myself. Then again, in HCOL areas the cost of a house cleaner is dwarfed by the cost of housing itself so the two arenít that comparable.

House cleaners have saved countless arguments between my husband and me. That is priceless. Currently due to me no longer working and him doing one more year, plus covid, Iím doing the cleaning. I am CONSTANTLY cleaning something and the damn house is never clean because I can only do a little bit at a time. It is frustrating. It is a good exercise to better appreciate the service they provide, but I canít wait to go back to hiring that bit out.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #7725 on: August 11, 2020, 05:23:54 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...
Heck yeah Iíd rather have a smaller house and a house cleaner than a larger house to clean myself. Then again, in HCOL areas the cost of a house cleaner is dwarfed by the cost of housing itself so the two arenít that comparable.

House cleaners have saved countless arguments between my husband and me. That is priceless. Currently due to me no longer working and him doing one more year, plus covid, Iím doing the cleaning. I am CONSTANTLY cleaning something and the damn house is never clean because I can only do a little bit at a time. It is frustrating. It is a good exercise to better appreciate the service they provide, but I canít wait to go back to hiring that bit out.

I agree. Weíve had our cleaner for a year, and the difference is huge. DH used to do the cleaning, and while adequate, the quality of work is just not as good as a good deep cleaning by our house cleaner. We live in a 1200 square foot apartment and donít have a car, and Iím happy to give up square footage and a vehicle to have a house cleaner.

When I read the article I was initially impressed that these people were saving $17000+. Then I realized thatís how much they were saving $17K per year, not per month. I guess itís hard to know whether or not that is an impressive amount, since we donít know their income.

okisok

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Re: Mustachian People Problems (just for fun)
« Reply #7726 on: August 11, 2020, 05:59:22 PM »
Couponing isn't any fun any more. I used to have such fun matching sales to coupons and getting the 'best deals'. Now I realize I don't need much of that stuff--packaged snacks, makeup, prepared foods. There are more frugal options in most cases.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7727 on: August 12, 2020, 05:07:22 AM »

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.


Might as well leave those off the chart!  Taxes are a curiosity on spreadsheets but you can't really control them and they will be lower in retirement.  Employer-paid insurance is definitely not an expense.  I understand why you might want to include a projected insurance spend, but do you really think you will spend exactly what your employer pays for insurance after your retire?

Plina

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Re: Mustachian People Problems (just for fun)
« Reply #7728 on: August 12, 2020, 06:24:28 AM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...
Heck yeah Iíd rather have a smaller house and a house cleaner than a larger house to clean myself. Then again, in HCOL areas the cost of a house cleaner is dwarfed by the cost of housing itself so the two arenít that comparable.

House cleaners have saved countless arguments between my husband and me. That is priceless. Currently due to me no longer working and him doing one more year, plus covid, Iím doing the cleaning. I am CONSTANTLY cleaning something and the damn house is never clean because I can only do a little bit at a time. It is frustrating. It is a good exercise to better appreciate the service they provide, but I canít wait to go back to hiring that bit out.

I agree. Weíve had our cleaner for a year, and the difference is huge. DH used to do the cleaning, and while adequate, the quality of work is just not as good as a good deep cleaning by our house cleaner. We live in a 1200 square foot apartment and donít have a car, and Iím happy to give up square footage and a vehicle to have a house cleaner.

When I read the article I was initially impressed that these people were saving $17000+. Then I realized thatís how much they were saving $17K per year, not per month. I guess itís hard to know whether or not that is an impressive amount, since we donít know their income.

I had a house cleaner for a couple of years. I loved it. It was so nice to come home to a clean home on Friday. I stopped the service because I went traveling but I am contemplating getting it back. I hate cleaning and it never is as good. Especially the kitchen and bathroom. It was definitely worth the money.

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7729 on: August 12, 2020, 02:09:07 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...
Heck yeah Iíd rather have a smaller house and a house cleaner than a larger house to clean myself. Then again, in HCOL areas the cost of a house cleaner is dwarfed by the cost of housing itself so the two arenít that comparable.

House cleaners have saved countless arguments between my husband and me. That is priceless. Currently due to me no longer working and him doing one more year, plus covid, Iím doing the cleaning. I am CONSTANTLY cleaning something and the damn house is never clean because I can only do a little bit at a time. It is frustrating. It is a good exercise to better appreciate the service they provide, but I canít wait to go back to hiring that bit out.

I agree. Weíve had our cleaner for a year, and the difference is huge. DH used to do the cleaning, and while adequate, the quality of work is just not as good as a good deep cleaning by our house cleaner. We live in a 1200 square foot apartment and donít have a car, and Iím happy to give up square footage and a vehicle to have a house cleaner.

When I read the article I was initially impressed that these people were saving $17000+. Then I realized thatís how much they were saving $17K per year, not per month. I guess itís hard to know whether or not that is an impressive amount, since we donít know their income.

I had a house cleaner for a couple of years. I loved it. It was so nice to come home to a clean home on Friday. I stopped the service because I went traveling but I am contemplating getting it back. I hate cleaning and it never is as good. Especially the kitchen and bathroom. It was definitely worth the money.
It baffles me sometime how I can spend X hours cleaning and at the end it isnít as clean as when the professionals do the job. I suppose that is why they are professionals.

And I agree with you: I LOVE coming  home to a clean house on Friday after a long week. Aaaahhh

TartanTallulah

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Re: Mustachian People Problems (just for fun)
« Reply #7730 on: August 13, 2020, 03:06:02 PM »
My MPP: DH and I have been giving each other home haircuts for ages and cannot commiserate or even relate to all the complainypants neighbors and colleagues getting progressively shaggier and grumpier.

We're the same. Back in March I started saying that my husband and I would be the only people who looked the same at the end of lockdown as at the beginning because none of our personal grooming is outsourced.

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Re: Mustachian People Problems (just for fun)
« Reply #7731 on: August 13, 2020, 05:31:42 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...

Um, that would be me.  Yes I know my house cleaner is face punch worthy, but I will not give it up.

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Re: Mustachian People Problems (just for fun)
« Reply #7732 on: August 14, 2020, 10:06:02 PM »

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.


Might as well leave those off the chart!  Taxes are a curiosity on spreadsheets but you can't really control them and they will be lower in retirement.  Employer-paid insurance is definitely not an expense.  I understand why you might want to include a projected insurance spend, but do you really think you will spend exactly what your employer pays for insurance after your retire?

Our plan is pretty fantastic.  The company is big enough to self-insure at this point.  I pay about 10% of the monthly "premium" to cover our family of five.  $25 co-pay for visits, low deductible, low stop-loss, dental, vision, etc.  I'd be hard pressed to find anything like this after we retire.  But to answer your question, probably not.  We are genetically healthy, we live healthy, and most medical care is either preventive or due cuts and scrapes (or worse).  (We do have braces coming up...)  In any case, if I was looking on the market, I would look for a very high deductible plan and basically self insure up to $10,000 or more per year, only looking for coverage beyond that.  I haven't shopped for that, but hopefully it would cost less than the employer plan.

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Re: Mustachian People Problems (just for fun)
« Reply #7733 on: August 14, 2020, 10:11:25 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
That's because those super savers are not defined by the % of their income saved, but by the total amount.
If you can save 17'100 dollar it's extremely likely you are not earning minimum wage (Where a 30% savings rate would qualify you to me as a super saver), but more likely six figures. Then of course it is easy to save 30% if you don't hire cleaners or dog walkers like your peers.

The article was describing these "super-savers" as saving more than 10% of their income.  We save more like 35-40% in a normal year with lots of discretionary travel.  For me, travel should be #3 or 4 in expenses behind taxes, housing, and maybe food.  This is a weird year (right?), so travel is zero since March, and we're pushing 50% savings (pre-tax).

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Re: Mustachian People Problems (just for fun)
« Reply #7734 on: August 14, 2020, 11:23:00 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...
Heck yeah Iíd rather have a smaller house and a house cleaner than a larger house to clean myself. Then again, in HCOL areas the cost of a house cleaner is dwarfed by the cost of housing itself so the two arenít that comparable.

House cleaners have saved countless arguments between my husband and me. That is priceless. Currently due to me no longer working and him doing one more year, plus covid, Iím doing the cleaning. I am CONSTANTLY cleaning something and the damn house is never clean because I can only do a little bit at a time. It is frustrating. It is a good exercise to better appreciate the service they provide, but I canít wait to go back to hiring that bit out.

I agree. Weíve had our cleaner for a year, and the difference is huge. DH used to do the cleaning, and while adequate, the quality of work is just not as good as a good deep cleaning by our house cleaner. We live in a 1200 square foot apartment and donít have a car, and Iím happy to give up square footage and a vehicle to have a house cleaner.

When I read the article I was initially impressed that these people were saving $17000+. Then I realized thatís how much they were saving $17K per year, not per month. I guess itís hard to know whether or not that is an impressive amount, since we donít know their income.

I had a house cleaner for a couple of years. I loved it. It was so nice to come home to a clean home on Friday. I stopped the service because I went traveling but I am contemplating getting it back. I hate cleaning and it never is as good. Especially the kitchen and bathroom. It was definitely worth the money.
It baffles me sometime how I can spend X hours cleaning and at the end it isnít as clean as when the professionals do the job. I suppose that is why they are professionals.

And I agree with you: I LOVE coming  home to a clean house on Friday after a long week. Aaaahhh
I have hired cleaners twice and experience with them has been terrible. First time she quoted me a price then brought a friend and turns out after hours the price was per person and i was held hostage or felt like their family members would hunt me down. Second time years later the one in the kitchen broke my stove which I found the next day and the one in the bathroom ruined the porcelain in my toilet and bathtub--looked like she cleaned it with a butterknife in a stabbing motion? WTF right?

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Re: Mustachian People Problems (just for fun)
« Reply #7735 on: August 14, 2020, 11:32:33 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...
Heck yeah Iíd rather have a smaller house and a house cleaner than a larger house to clean myself. Then again, in HCOL areas the cost of a house cleaner is dwarfed by the cost of housing itself so the two arenít that comparable.

House cleaners have saved countless arguments between my husband and me. That is priceless. Currently due to me no longer working and him doing one more year, plus covid, Iím doing the cleaning. I am CONSTANTLY cleaning something and the damn house is never clean because I can only do a little bit at a time. It is frustrating. It is a good exercise to better appreciate the service they provide, but I canít wait to go back to hiring that bit out.

I agree. Weíve had our cleaner for a year, and the difference is huge. DH used to do the cleaning, and while adequate, the quality of work is just not as good as a good deep cleaning by our house cleaner. We live in a 1200 square foot apartment and donít have a car, and Iím happy to give up square footage and a vehicle to have a house cleaner.

When I read the article I was initially impressed that these people were saving $17000+. Then I realized thatís how much they were saving $17K per year, not per month. I guess itís hard to know whether or not that is an impressive amount, since we donít know their income.

I had a house cleaner for a couple of years. I loved it. It was so nice to come home to a clean home on Friday. I stopped the service because I went traveling but I am contemplating getting it back. I hate cleaning and it never is as good. Especially the kitchen and bathroom. It was definitely worth the money.
It baffles me sometime how I can spend X hours cleaning and at the end it isnít as clean as when the professionals do the job. I suppose that is why they are professionals.

And I agree with you: I LOVE coming  home to a clean house on Friday after a long week. Aaaahhh
I have hired cleaners twice and experience with them has been terrible. First time she quoted me a price then brought a friend and turns out after hours the price was per person and i was held hostage or felt like their family members would hunt me down. Second time years later the one in the kitchen broke my stove which I found the next day and the one in the bathroom ruined the porcelain in my toilet and bathtub--looked like she cleaned it with a butterknife in a stabbing motion? WTF right?

I have used a company that specialise in house cleaning, pay their taxes, pensions for their cleaners and have insurance if they brake anything. I would never hire someone without insurance. One time they lost my key, but they got an locksmith to come and change the lock and handled everything on their expense while I was at work.

I will have them back when this covid-thing had calmed down.

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Re: Mustachian People Problems (just for fun)
« Reply #7736 on: August 15, 2020, 07:55:15 AM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...
Heck yeah Iíd rather have a smaller house and a house cleaner than a larger house to clean myself. Then again, in HCOL areas the cost of a house cleaner is dwarfed by the cost of housing itself so the two arenít that comparable.

House cleaners have saved countless arguments between my husband and me. That is priceless. Currently due to me no longer working and him doing one more year, plus covid, Iím doing the cleaning. I am CONSTANTLY cleaning something and the damn house is never clean because I can only do a little bit at a time. It is frustrating. It is a good exercise to better appreciate the service they provide, but I canít wait to go back to hiring that bit out.

I agree. Weíve had our cleaner for a year, and the difference is huge. DH used to do the cleaning, and while adequate, the quality of work is just not as good as a good deep cleaning by our house cleaner. We live in a 1200 square foot apartment and donít have a car, and Iím happy to give up square footage and a vehicle to have a house cleaner.

When I read the article I was initially impressed that these people were saving $17000+. Then I realized thatís how much they were saving $17K per year, not per month. I guess itís hard to know whether or not that is an impressive amount, since we donít know their income.

I had a house cleaner for a couple of years. I loved it. It was so nice to come home to a clean home on Friday. I stopped the service because I went traveling but I am contemplating getting it back. I hate cleaning and it never is as good. Especially the kitchen and bathroom. It was definitely worth the money.
It baffles me sometime how I can spend X hours cleaning and at the end it isnít as clean as when the professionals do the job. I suppose that is why they are professionals.

And I agree with you: I LOVE coming  home to a clean house on Friday after a long week. Aaaahhh
I have hired cleaners twice and experience with them has been terrible. First time she quoted me a price then brought a friend and turns out after hours the price was per person and i was held hostage or felt like their family members would hunt me down. Second time years later the one in the kitchen broke my stove which I found the next day and the one in the bathroom ruined the porcelain in my toilet and bathtub--looked like she cleaned it with a butterknife in a stabbing motion? WTF right?

I have used a company that specialise in house cleaning, pay their taxes, pensions for their cleaners and have insurance if they brake anything. I would never hire someone without insurance. One time they lost my key, but they got an locksmith to come and change the lock and handled everything on their expense while I was at work.

I will have them back when this covid-thing had calmed down.

I hired mine based on years of experience and references from people I know for whom she also works/worked.

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7737 on: August 15, 2020, 02:07:32 PM »
I started with a Yelp reviews and then asked for references. We hired the same lady for 8 years and she was lovely.

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Re: Mustachian People Problems (just for fun)
« Reply #7738 on: August 15, 2020, 06:56:25 PM »
My MPP is that I was enjoying a day of canning beets (root), freezing beet greens, and canning salsa when my mind inadvertently did some "Your Money or Your Life"-style math and realized that my day of labour saved me about $3/hr, not counting the cost and time to actually grow the veggies. Sometimes it pains me to know how wildly inefficient I am with my time. It's probably best if I look at it as a cheap hobby rather than as a wildly inefficient way of saving money.

Monerexia

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Re: Mustachian People Problems (just for fun)
« Reply #7739 on: August 15, 2020, 08:09:00 PM »
Two MPP's today:

1)  Tax and employer-paid medical insurance dominate our expenses so much that everything else is crammed into less than half of Quicken's standard pie chart.

2)  Saw an article about "Super Savers" on CNBC.  Sent it to DW.  She said she we obviously don't qualify because save too much and that what they call "Super Savers" is what she always thought was "normal".  https://www.cnbc.com/2020/08/07/super-savers-make-these-sacrifices-to-help-them-reach-their-goals.html?&qsearchterm=super%20saver
I love how that article lists "no housecleaner" as a "sacrifice" --as if every normal household hires someone to clean their house for them.
I'm more amazed that a higher percentage of them are willing to downsize their house and car but not give up the house cleaner...
Heck yeah Iíd rather have a smaller house and a house cleaner than a larger house to clean myself. Then again, in HCOL areas the cost of a house cleaner is dwarfed by the cost of housing itself so the two arenít that comparable.

House cleaners have saved countless arguments between my husband and me. That is priceless. Currently due to me no longer working and him doing one more year, plus covid, Iím doing the cleaning. I am CONSTANTLY cleaning something and the damn house is never clean because I can only do a little bit at a time. It is frustrating. It is a good exercise to better appreciate the service they provide, but I canít wait to go back to hiring that bit out.

I agree. Weíve had our cleaner for a year, and the difference is huge. DH used to do the cleaning, and while adequate, the quality of work is just not as good as a good deep cleaning by our house cleaner. We live in a 1200 square foot apartment and donít have a car, and Iím happy to give up square footage and a vehicle to have a house cleaner.

When I read the article I was initially impressed that these people were saving $17000+. Then I realized thatís how much they were saving $17K per year, not per month. I guess itís hard to know whether or not that is an impressive amount, since we donít know their income.

I had a house cleaner for a couple of years. I loved it. It was so nice to come home to a clean home on Friday. I stopped the service because I went traveling but I am contemplating getting it back. I hate cleaning and it never is as good. Especially the kitchen and bathroom. It was definitely worth the money.
It baffles me sometime how I can spend X hours cleaning and at the end it isnít as clean as when the professionals do the job. I suppose that is why they are professionals.

And I agree with you: I LOVE coming  home to a clean house on Friday after a long week. Aaaahhh
I have hired cleaners twice and experience with them has been terrible. First time she quoted me a price then brought a friend and turns out after hours the price was per person and i was held hostage or felt like their family members would hunt me down. Second time years later the one in the kitchen broke my stove which I found the next day and the one in the bathroom ruined the porcelain in my toilet and bathtub--looked like she cleaned it with a butterknife in a stabbing motion? WTF right?

I have used a company that specialise in house cleaning, pay their taxes, pensions for their cleaners and have insurance if they brake anything. I would never hire someone without insurance. One time they lost my key, but they got an locksmith to come and change the lock and handled everything on their expense while I was at work.

I will have them back when this covid-thing had calmed down.

I hired mine based on years of experience and references from people I know for whom she also works/worked.

Yes I thought I was safe doing that--the first one I hired was referred by a crew of movers who had done about five home and office moves for me--they did a bang-up job on all those moves but the relative who showed up with her friend to clean was pure scam. Not as much a scam as, say, "towels," or "doctors," but a scam nevertheless.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7740 on: August 16, 2020, 01:47:07 AM »
Not as much a scam as, say, "towels," or "doctors," but a scam nevertheless.

Oh crap what did I miss?

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #7741 on: August 16, 2020, 08:56:36 AM »
My sister's side gig is cleaning houses. She only does three and she cleans their homes as if they were her own. Two of the three are older ladies are elderly and can no longer clean to their own standards. She has become friends with them and occasionally gets paid to take them to medical appointments or shopping for things that are heavy/bulky. It's a win-win. Her main gig is running the books for their family business, so house cleaning is flexible, gets her out of the house and helps her feel connected in her community.

I miss my housecleaners like crazy. The joy of having everything done at once is absolutely worth the miniscule cost.
« Last Edit: August 16, 2020, 06:47:59 PM by Dicey »

Monerexia

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Re: Mustachian People Problems (just for fun)
« Reply #7742 on: August 16, 2020, 10:59:47 AM »
Not as much a scam as, say, "towels," or "doctors," but a scam nevertheless.

Oh crap what did I miss?

Ummm...towels? Nobody in history ever needed a "towel." Not a single "towel" ever needed to be sold--guess what I've found works: a t-shirt!!

Also, yeah, everybody knows that without the scam of "doctors" nature would take over and world population would be much, much lower and much, much healthier. So, if you care about the environment and public health, no need to look further than this bizarre long-con scam for the problem. :)

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Re: Mustachian People Problems (just for fun)
« Reply #7743 on: August 16, 2020, 06:16:43 PM »
Not as much a scam as, say, "towels," or "doctors," but a scam nevertheless.

Oh crap what did I miss?

Ummm...towels? Nobody in history ever needed a "towel." Not a single "towel" ever needed to be sold--guess what I've found works: a t-shirt!!

Also, yeah, everybody knows that without the scam of "doctors" nature would take over and world population would be much, much lower and much, much healthier. So, if you care about the environment and public health, no need to look further than this bizarre long-con scam for the problem. :)

Well I'd argue that nobody in history ever needed a t-shirt because guess what else works?  A TOWEL.  That's right you got played.

Monerexia

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Re: Mustachian People Problems (just for fun)
« Reply #7744 on: August 16, 2020, 06:32:59 PM »
Not as much a scam as, say, "towels," or "doctors," but a scam nevertheless.

Oh crap what did I miss?

Ummm...towels? Nobody in history ever needed a "towel." Not a single "towel" ever needed to be sold--guess what I've found works: a t-shirt!!

Also, yeah, everybody knows that without the scam of "doctors" nature would take over and world population would be much, much lower and much, much healthier. So, if you care about the environment and public health, no need to look further than this bizarre long-con scam for the problem. :)

Well I'd argue that nobody in history ever needed a t-shirt because guess what else works?  A TOWEL.  That's right you got played.

You are actually quite good at this--plus found another scam--SILVERWARE! Ate my whole chicken breast and a potato today out of the no-name tupperware with my hand. Wash up afterwards and silverware revealed as scam royale.

maisymouser

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Re: Mustachian People Problems (just for fun)
« Reply #7745 on: August 16, 2020, 06:53:59 PM »
Not as much a scam as, say, "towels," or "doctors," but a scam nevertheless.

Oh crap what did I miss?

Ummm...towels? Nobody in history ever needed a "towel." Not a single "towel" ever needed to be sold--guess what I've found works: a t-shirt!!

Also, yeah, everybody knows that without the scam of "doctors" nature would take over and world population would be much, much lower and much, much healthier. So, if you care about the environment and public health, no need to look further than this bizarre long-con scam for the problem. :)

Well I'd argue that nobody in history ever needed a t-shirt because guess what else works?  A TOWEL.  That's right you got played.

You are actually quite good at this--plus found another scam--SILVERWARE! Ate my whole chicken breast and a potato today out of the no-name tupperware with my hand. Wash up afterwards and silverware revealed as scam royale.

Couldn't help but hop on this train. What is it with everyone having to have NAIL CLIPPERS?!?!?!? Our ancestors weren't stupid enough to buy and keep such useless junk... Just maintain adequate flexibility by doing yoga daily so you can chew off your toenails 1x/month like a real homo sapien. ;)

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Re: Mustachian People Problems (just for fun)
« Reply #7746 on: August 16, 2020, 08:11:35 PM »
Not as much a scam as, say, "towels," or "doctors," but a scam nevertheless.

Oh crap what did I miss?

Ummm...towels? Nobody in history ever needed a "towel." Not a single "towel" ever needed to be sold--guess what I've found works: a t-shirt!!

Also, yeah, everybody knows that without the scam of "doctors" nature would take over and world population would be much, much lower and much, much healthier. So, if you care about the environment and public health, no need to look further than this bizarre long-con scam for the problem. :)

Well I'd argue that nobody in history ever needed a t-shirt because guess what else works?  A TOWEL.  That's right you got played.

You are actually quite good at this--plus found another scam--SILVERWARE! Ate my whole chicken breast and a potato today out of the no-name tupperware with my hand. Wash up afterwards and silverware revealed as scam royale.

Couldn't help but hop on this train. What is it with everyone having to have NAIL CLIPPERS?!?!?!? Our ancestors weren't stupid enough to buy and keep such useless junk... Just maintain adequate flexibility by doing yoga daily so you can chew off your toenails 1x/month like a real homo sapien. ;)

I'm dead serious. There are 10 sets of nail clippers in my household.

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #7747 on: August 16, 2020, 09:01:57 PM »
Not as much a scam as, say, "towels," or "doctors," but a scam nevertheless.

Oh crap what did I miss?

Ummm...towels? Nobody in history ever needed a "towel." Not a single "towel" ever needed to be sold--guess what I've found works: a t-shirt!!

Also, yeah, everybody knows that without the scam of "doctors" nature would take over and world population would be much, much lower and much, much healthier. So, if you care about the environment and public health, no need to look further than this bizarre long-con scam for the problem. :)

Well I'd argue that nobody in history ever needed a t-shirt because guess what else works?  A TOWEL.  That's right you got played.

You are actually quite good at this--plus found another scam--SILVERWARE! Ate my whole chicken breast and a potato today out of the no-name tupperware with my hand. Wash up afterwards and silverware revealed as scam royale.

Couldn't help but hop on this train. What is it with everyone having to have NAIL CLIPPERS?!?!?!? Our ancestors weren't stupid enough to buy and keep such useless junk... Just maintain adequate flexibility by doing yoga daily so you can chew off your toenails 1x/month like a real homo sapien. ;)

I'm dead serious. There are 10 sets of nail clippers in my household.

That is one per fingernail, or do the fingernails have to share the clippers with the toenails?

Travis

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Re: Mustachian People Problems (just for fun)
« Reply #7748 on: August 16, 2020, 10:08:08 PM »
Not as much a scam as, say, "towels," or "doctors," but a scam nevertheless.

Oh crap what did I miss?

Ummm...towels? Nobody in history ever needed a "towel." Not a single "towel" ever needed to be sold--guess what I've found works: a t-shirt!!

Also, yeah, everybody knows that without the scam of "doctors" nature would take over and world population would be much, much lower and much, much healthier. So, if you care about the environment and public health, no need to look further than this bizarre long-con scam for the problem. :)

Well I'd argue that nobody in history ever needed a t-shirt because guess what else works?  A TOWEL.  That's right you got played.

You are actually quite good at this--plus found another scam--SILVERWARE! Ate my whole chicken breast and a potato today out of the no-name tupperware with my hand. Wash up afterwards and silverware revealed as scam royale.

Couldn't help but hop on this train. What is it with everyone having to have NAIL CLIPPERS?!?!?!? Our ancestors weren't stupid enough to buy and keep such useless junk... Just maintain adequate flexibility by doing yoga daily so you can chew off your toenails 1x/month like a real homo sapien. ;)

I'm dead serious. There are 10 sets of nail clippers in my household.

That is one per fingernail, or do the fingernails have to share the clippers with the toenails?

We play favorites. There's a set just for toenails, and a couple sets we actually use.  The rest are in a bag in the bathroom for a decade from now when the current set goes dull, or we lose our favorite and just go out and buy another. When we find our favorite until a pile of papers on the nightstand the new one goes in the bag with all the others to await its turn.

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Re: Mustachian People Problems (just for fun)
« Reply #7749 on: August 17, 2020, 12:41:24 AM »
At one point I had three sets of nail clippers, all of which I had got out of Christmas crackers. One has now disappeared, one is very loose and clanky to the point of being borderline unusable, one is still in fine condition. Who BUYS nail clippers when you could buy Christmas crackers instead??