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Around the Internet => Antimustachian Wall of Shame and Comedy => Topic started by: Daisyedwards800 on January 03, 2020, 11:22:25 AM

Title: I always hear non-Mustachian people using the phrase...
Post by: Daisyedwards800 on January 03, 2020, 11:22:25 AM
"sit down with a financial advisor."  Where did this phrase originate ?  Why is it so widespread?  And why do people think a financial advisor has their best interests in mind?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: wellactually on January 03, 2020, 01:22:17 PM
I have a friend who (together with her husband) is always meeting with a financial adviser or real estate agent (despite being years from buying in a very average market) or something. They are always looking for the magic trick to financial management. DH and I paid off 55k of high interest student loans the first 20 months of marriage, then saved for a house, then saved for IVF. I think she believes we found the magic trick and still asks me questions as if the whole thing is a mystery. The thing is, I blogged about our whole debt payoff with literally tens of posts about how we budgeted and where we found extra savings and how there was no shortcut to doing the work.

I don't want to be giving specific personal financial advice to friends. My responses are so boring: we prioritized our goals, made a budget, and tracked all our expenses. I give a caveat that spending priorities are personal, goals are personal, and that different budget/tracking styles work best for different people, so find a plan that works for you which you will follow through on and then execute.

Her revelation from the financial adviser was to create sinking funds for annual expenses. But sinking funds don't magically fix anything if you blow the budget and buy whatever Amazon deal you feel like each month. You have to actually fund sinking funds!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Wrenchturner on January 03, 2020, 01:50:39 PM
When it comes to the clean-shaven among us, I'm just happy to see them investing in something.

But to answer your question, it used to be the way to do things.  Not everyone believes in ETFs either.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Miss Piggy on January 03, 2020, 03:07:50 PM
...and how there was no shortcut to doing the work.


There's a new book called Do The Fucking Work.  Hard to tell, but it might apply here.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ambimammular on January 11, 2020, 09:43:26 PM
"Well, I work hard, so I deserve it!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Freedomin5 on January 11, 2020, 10:36:33 PM
“It was kind of expensive, but it’s an investment,” when talking about an expensive purchase.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Monocle Money Mouth on January 12, 2020, 04:15:22 AM
“It was kind of expensive, but it’s an investment,” when talking about an expensive purchase.

I hear people say they are investing in a new car. [Gameshow Buzzer for wrong answer]. Cars are almost never investments. Unless you lucked out and bought some rare desirable car at MSRP and held onto it for 40 years and resold it for multiples of the purchase price, fuel, maintenance, and insurance, you didn't make an investment. The only other time I could see a vehicle as investment is if it was necessary to conduct business. I could also see see flipping cheap used cars as an investment too.

For the vast majority of people, cars never give you any income or sell for more than you sunk into it. They are necessary evils for getting around in a reasonable amount of time without being exposed to the elements and will only be worth a small fraction of what you paid for it by the time you get rid of it.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: RWTL on January 12, 2020, 06:14:56 AM
“It was kind of expensive, but it’s an investment,” when talking about an expensive purchase.

We were looking for a new bed and wandered into a Sleep Number store.  After lots of moving us to "better" and "better" beds, we sat down to find out the price.

Although the price was going to be over $8K, we were told that it would be an investment.  We were out the door no more than 5 minutes later.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Omy on January 12, 2020, 06:24:53 AM
...get the extended warranty.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Smokystache on January 12, 2020, 07:34:18 AM
YOLO!!

(You Only Live Once!)
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: OtherJen on January 12, 2020, 07:53:17 AM
“It was kind of expensive, but it’s an investment,” when talking about an expensive purchase.

Yep. Major eye roll on that one.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: SavinMaven on January 12, 2020, 07:55:12 AM
Totally the "invest in ____" (thing that drops precipitously in value the second you use it once, like an outfit, a treadmill, or a sofa).
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Not There Yet on January 12, 2020, 09:11:55 AM
But I like nice things!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ender on January 12, 2020, 10:23:18 AM
YOLO!!

(You Only Live Once!)

This is kinda the entire driving motivation for a lot of folks to FIRE...
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: SunnyDays on January 12, 2020, 11:35:13 AM
“It was kind of expensive, but it’s an investment,” when talking about an expensive purchase.

We were looking for a new bed and wandered into a Sleep Number store.  After lots of moving us to "better" and "better" beds, we sat down to find out the price.

Although the price was going to be over $8K, we were told that it would be an investment.  We were out the door no more than 5 minutes later.

Gulp.  For a BED?  You could buy a car for that.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: APowers on January 12, 2020, 11:44:13 AM
“It was kind of expensive, but it’s an investment,” when talking about an expensive purchase.

We were looking for a new bed and wandered into a Sleep Number store.  After lots of moving us to "better" and "better" beds, we sat down to find out the price.

Although the price was going to be over $8K, we were told that it would be an investment.  We were out the door no more than 5 minutes later.

Gulp.  For a BED?  You could buy a car for that.

You could buy 4 cars for that.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: frugs on January 12, 2020, 06:17:14 PM
"you can't take it with you"....

Basically, money is for spending... they assume emergencies where they might actually need a large sum of money could never happen to them.. and leaving some behind to others for worthy causes never occurred to them...
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Engineer93 on January 12, 2020, 07:06:36 PM
Treat Yo Self!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Steeze on January 12, 2020, 07:34:53 PM
"you can't take it with you...”

Usually preceded by “you have to live a little, enjoy yourself, life is too short, we aren’t guaranteed tomorrow, you could get hit by a bus on the way to work”

... yeah, still trying to invest 66%, not convinced!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Monerexia on January 12, 2020, 07:45:08 PM
"Car payment." Car. Payment? WTF? How in the hell is this possibly even a thing?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Monerexia on January 12, 2020, 07:54:14 PM
"I don't care too much for money. Money can't buy me love!" Nightmare philosophy foisted on the unsuspecting by the clueless.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Freedomin5 on January 12, 2020, 08:41:05 PM
"Money isn't everything" or "Life's not about money".

I also sometimes hear, "It's for a good cause" and "God will provide".
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: JAYSLOL on January 12, 2020, 09:22:44 PM
So many good ones here already, but here goes

“When I win the lottery... Insert their problems being solved here”

“Can I borrow $5?  Pay u back on Friday”   Not a chance. 

And my personal favourite “I’ll never be able to retire :(”   yeah, I know you won’t, I’ve seen your cars. 

Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Just Joe on January 13, 2020, 12:00:19 PM
...get the extended warranty.

And the ceramic paint protection plus the undercoating (on that mattress)...
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Not There Yet on January 13, 2020, 12:44:37 PM
"God will provide."  When someone says this, I hear "I refuse to take responsibility for my future and expect my friends and family to take care of me."
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Omy on January 13, 2020, 03:31:27 PM
Yep. That expression really grinds my gears...
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ms on January 13, 2020, 06:17:12 PM
"God will provide." 
I absolutely cannot with this expression. I want to throttle the person who uttered it. Every. Time.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Steeze on January 14, 2020, 05:52:01 AM
"God will provide." 
I absolutely cannot with this expression. I want to throttle the person who uttered it. Every. Time.

My parents say this every time I talk to them about retirement. Mid-60’s, no savings, no pension, want to take Social Security ASAP.

“Pops you have to work as long as possible, wait for SS”
“Why I’m ready to stop working now?”
“Someday you won’t be able to work, you’ll need the higher payment”
“God will provide”

Hope that works out for you- I’ll work a couple extra years just in case.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: DadJokes on January 14, 2020, 06:32:27 AM
"God will provide." 
I absolutely cannot with this expression. I want to throttle the person who uttered it. Every. Time.

My parents say this every time I talk to them about retirement. Mid-60’s, no savings, no pension, want to take Social Security ASAP.

“Pops you have to work as long as possible, wait for SS”
“Why I’m ready to stop working now?”
“Someday you won’t be able to work, you’ll need the higher payment”
“God will provide”

Hope that works out for you- I’ll work a couple extra years just in case.

I guess people in third-world countries just need to believe harder. God will provide, after all.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Hula Hoop on January 14, 2020, 07:18:48 AM
I hear these things a lot.  Also, "I need to update my wardrobe/home décor/car etc. etc" 
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: zolotiyeruki on January 14, 2020, 07:24:39 AM
"God will provide."  When someone says this, I hear "I refuse to take responsibility for my future and expect my friends and family to take care of me."
As a religious person, I'd want to respond with "God helps those who help themselves."
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Omy on January 14, 2020, 07:52:30 AM
That's what I think...but it would come out too snarky.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: jinga nation on January 14, 2020, 08:27:47 AM
"God will provide." 
I absolutely cannot with this expression. I want to throttle the person who uttered it. Every. Time.

My parents say this every time I talk to them about retirement. Mid-60’s, no savings, no pension, want to take Social Security ASAP.

“Pops you have to work as long as possible, wait for SS”
“Why I’m ready to stop working now?”
“Someday you won’t be able to work, you’ll need the higher payment”
“God will provide”

Hope that works out for you- I’ll work a couple extra years just in case.

I guess people in third-world countries just need to believe harder. God will provide, after all.
3rd world? There's a billboard in my 'Murican metro stating "God Will Provide". But what exactly is not stated.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ohsnap on January 14, 2020, 08:33:04 AM
“It was kind of expensive, but it’s an investment,” when talking about an expensive purchase.
I just heard this from a friend a couple of months ago!  She started talking about getting a Saladmaster cookware set...I started trying to talk her out of it.  Just asking her questions about if she really needed new cookware, if so did she really need to spend almost $2000 on it.  Sure enough, a couple of weeks later she admitted that she bought it and defended the decision as an "investment that we can leave our kids."  I'm pretty sure her kids would have rather had her put the $ in VTSAX.  If my excel formula is right, that would be worth well over $20,000 by the time she and her hubby go to their eternal reward.  But instead her kids get Saladmaster cookware for their inheritance.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: AMandM on January 14, 2020, 09:18:38 AM
Saladmaster cookware

Never heard of this, but the name made me LOL. Cookware for raw veggies?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ixtap on January 14, 2020, 09:21:20 AM
“It was kind of expensive, but it’s an investment,” when talking about an expensive purchase.
I just heard this from a friend a couple of months ago!  She started talking about getting a Saladmaster cookware set...I started trying to talk her out of it.  Just asking her questions about if she really needed new cookware, if so did she really need to spend almost $2000 on it.  Sure enough, a couple of weeks later she admitted that she bought it and defended the decision as an "investment that we can leave our kids."  I'm pretty sure her kids would have rather had her put the $ in VTSAX.  If my excel formula is right, that would be worth well over $20,000 by the time she and her hubby go to their eternal reward.  But instead her kids get Saladmaster cookware for their inheritance.

It so nice of them to die just when the kids are considering upgrading their cookware, but before they actually make the purchase themselves!

Also, salad...cookware?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: BlueHouse on January 14, 2020, 09:26:03 AM
Investment. 

When they mean expenditure. 

My co-worker tells me she hasn't made an investment into a super-fancy cat litter box YET!.   How could that ever be considered an investment?

Title: Re: I always hear non-Mustachian people using the phrase...
Post by: BlueHouse on January 14, 2020, 09:28:20 AM
Saladmaster cookware

Never heard of this, but the name made me LOL. Cookware for raw veggies?

I had to look it up.  This is from their main page.  Honestly, this is the type of content I would have written in 6th grade. 

Saladmaster has revolutionized healthy cooking by offering premium products through a unique cooking experience. Our vision is for everyone in the world to experience Saladmaster. For more than 70 years, Saladmaster has changed lives by empowering Cooking Coaches to achieve their entrepreneurial goals in more than 45 countries. As a multimillion-dollar company, Saladmaster’s state-of-the-art cookware is manufactured by parent company Regal Ware, Inc.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: iris lily on January 14, 2020, 09:29:31 AM
“It was kind of expensive, but it’s an investment,” when talking about an expensive purchase.

Handbags. Chanel and Hermès and etc. Bet you didn’t know that, right? Get out there and get your high end handbags now, so that you can resell them for how much you paid!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ixtap on January 14, 2020, 09:30:56 AM
Saladmaster cookware

Never heard of this, but the name made me LOL. Cookware for raw veggies?

I had to look it up.  This is from their main page.  Honestly, this is the type of content I would have written in 6th grade. 

Saladmaster has revolutionized healthy cooking by offering premium products through a unique cooking experience. Our vision is for everyone in the world to experience Saladmaster. For more than 70 years, Saladmaster has changed lives by empowering Cooking Coaches to achieve their entrepreneurial goals in more than 45 countries. As a multimillion-dollar company, Saladmaster’s state-of-the-art cookware is manufactured by parent company Regal Ware, Inc.

So it is an MLM, to boot?!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: OtherJen on January 14, 2020, 09:40:13 AM
Saladmaster cookware

Never heard of this, but the name made me LOL. Cookware for raw veggies?

I had to look it up.  This is from their main page.  Honestly, this is the type of content I would have written in 6th grade. 

Saladmaster has revolutionized healthy cooking by offering premium products through a unique cooking experience. Our vision is for everyone in the world to experience Saladmaster. For more than 70 years, Saladmaster has changed lives by empowering Cooking Coaches to achieve their entrepreneurial goals in more than 45 countries. As a multimillion-dollar company, Saladmaster’s state-of-the-art cookware is manufactured by parent company Regal Ware, Inc.

So it is an MLM, to boot?!

Or whatever is the premium version of an MLM. “Multi-tier investment strategy,” perhaps?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: SaucyAussie on January 14, 2020, 09:56:53 AM
"I can afford it!"

Meaning the monthly payment of course.  With no real idea how many months/years it is adding to their working lives.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: MissNancyPryor on January 14, 2020, 10:28:32 AM
"Spend it, don't tend it"

Said by former BIL who frequently pontificates that "The Man" has held him down his whole life.  He will work until he dies and with all that fun livin' he has been doing he will not make it to 68 (alcoholic, diabetic, already has tremors, lives in a filthy hoard with his moron wife who will beat him to the grave).  We will probably hear of his sudden, tragic, and totally unexpected death any day.  Sigh.   

Title: Re: I always hear non-Mustachian people using the phrase...
Post by: joleran on January 14, 2020, 10:54:38 AM
I hear people say they are investing in a new car. [Gameshow Buzzer for wrong answer]. Cars are almost never investments. Unless you lucked out and bought some rare desirable car at MSRP and held onto it for 40 years and resold it for multiples of the purchase price, fuel, maintenance, and insurance, you didn't make an investment. The only other time I could see a vehicle as investment is if it was necessary to conduct business. I could also see see flipping cheap used cars as an investment too.

For the vast majority of people, cars never give you any income or sell for more than you sunk into it. They are necessary evils for getting around in a reasonable amount of time without being exposed to the elements and will only be worth a small fraction of what you paid for it by the time you get rid of it.

Funny enough, it's often when you get to the $1 million+ price range that cars start becoming potential investments.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ohsnap on January 14, 2020, 04:26:20 PM
Saladmaster cookware

Never heard of this, but the name made me LOL. Cookware for raw veggies?

I had to look it up.  This is from their main page.  Honestly, this is the type of content I would have written in 6th grade. 

Saladmaster has revolutionized healthy cooking by offering premium products through a unique cooking experience. Our vision is for everyone in the world to experience Saladmaster. For more than 70 years, Saladmaster has changed lives by empowering Cooking Coaches to achieve their entrepreneurial goals in more than 45 countries. As a multimillion-dollar company, Saladmaster’s state-of-the-art cookware is manufactured by parent company Regal Ware, Inc.

So it is an MLM, to boot?!
Yes!  Isn't that the best way to convince people they need expensive cr@p?  Have friends & family sell it?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: MissNancyPryor on January 14, 2020, 04:35:24 PM


Saladmaster has revolutionized healthy cooking by offering premium products through a unique cooking experience. Our vision is for everyone in the world to experience Saladmaster. For more than 70 years, Saladmaster has changed lives by empowering Cooking Coaches to achieve their entrepreneurial goals in more than 45 countries. As a multimillion-dollar company, Saladmaster’s state-of-the-art cookware is manufactured by parent company Regal Ware, Inc.


Word salad
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: zolotiyeruki on January 14, 2020, 05:24:33 PM


Saladmaster has revolutionized healthy cooking by offering premium products through a unique cooking experience. Our vision is for everyone in the world to experience Saladmaster. For more than 70 years, Saladmaster has changed lives by empowering Cooking Coaches to achieve their entrepreneurial goals in more than 45 countries. As a multimillion-dollar company, Saladmaster’s state-of-the-art cookware is manufactured by parent company Regal Ware, Inc.


Word salad
To me, it sounds like they are primarily an MLM and the selling of cookware is only a passing afterthought.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Not There Yet on January 14, 2020, 06:23:19 PM
MLMs have to sell some kind of product to avoid being illegal pyramid schemes.  Often these products are just window dressing.  Usually MLMs make the big money by signing up "consultants", who are required to purchase expensive demonstration kits and/or a certain amount of product each month to keep their status.  LuLaRoe, for example, requires its consultants to purchase $5,000 worth of clothes to start.  Their consultants have no choice in the styles or sizes they receive.  https://www.vox.com/the-goods/2019/4/30/18524356/lularoe-sellers-bankruptcy-mlm
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Model96 on January 14, 2020, 06:30:57 PM
'I can't afford to invest'.......from people that invariably seem to be able to spend lots on objects that depreciate faster than they can buy them.....
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: RWTL on January 15, 2020, 05:59:06 AM
I hear family and friends use the word invest wrong all the time.  "I'm going to invest in a good pair of shoes."  or "I'm going to invest in a nice car."

I'm not against buying better quality, but unless it's a buy for life decision, I don't see it as an investment.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: roomtempmayo on January 15, 2020, 07:10:06 AM
I hear these things a lot.  Also, "I need to update my wardrobe/home décor/car etc. etc"

Absolutely. 

My _______ is "dated," so I'm going to "update" it: a sentence that makes no reference to adding value to human life, but costs large amounts of cash.  Similar to setting money on fire to appreciate the aesthetics of watching it burn.

Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Ricochet on January 15, 2020, 10:21:16 AM
YOLO!!

(You Only Live Once!)

LOL. As they blow away their financial freedom.  Never mind tomorrow, we'll be too old to have fun.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: APowers on January 15, 2020, 11:04:31 AM


Saladmaster has revolutionized healthy cooking by offering premium products through a unique cooking experience. Our vision is for everyone in the world to experience Saladmaster. For more than 70 years, Saladmaster has changed lives by empowering Cooking Coaches to achieve their entrepreneurial goals in more than 45 countries. As a multimillion-dollar company, Saladmaster’s state-of-the-art cookware is manufactured by parent company Regal Ware, Inc.


Word saladmaster

ftfy
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: FIRE@50 on January 15, 2020, 12:01:28 PM
...get the extended warranty.
Right! Why are you buying something that you think desperately needs a warranty?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Davnasty on January 15, 2020, 01:11:34 PM
Saladmaster has revolutionized healthy cooking by offering premium products through a unique cooking experience. Our vision is for everyone in the world to experience Saladmaster. For more than 70 years, Saladmaster has changed lives by empowering Cooking Coaches to achieve their entrepreneurial goals in more than 45 countries. As a multimillion-dollar company, Saladmaster’s state-of-the-art cookware is manufactured by parent company Regal Ware, Inc.

Word saladamateur

ftfy

ftfy
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: The_Big_H on January 16, 2020, 12:22:11 AM
"I need _____" (something not on the basic list of needs, or the most expensive way to obtain said need)

"I cant live without my _____" (thing that literally did not exist 2-10 years ago)

"I don't have time to ____" (task that most people do or used to do regularly)

"Don't buy too small a house" / "Buy as much house as you can afford"

"401ks/stocks are rigged" / "the government will confiscate your 401k" or similar doomsday talk.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: RWTL on January 16, 2020, 07:06:47 AM
If you're only making 50%, you're doing your 409K wrong.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Zoot on January 16, 2020, 07:13:22 AM
"I don't care too much for money. Money can't buy me love!" Nightmare philosophy foisted on the unsuspecting by the clueless.

I focus on the third verse as the real meat of that song:

"Say you don't need no diamond rings
And I'll be satisfied
Tell me that you want the kind of things
That money just can't buy
I don't care too much for money
Money can't buy me love"

:)
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Monerexia on January 16, 2020, 03:57:28 PM
"I don't care too much for money. Money can't buy me love!" Nightmare philosophy foisted on the unsuspecting by the clueless.

I focus on the third verse as the real meat of that song:

"Say you don't need no diamond rings
And I'll be satisfied
Tell me that you want the kind of things
That money just can't buy
I don't care too much for money
Money can't buy me love"

:)

Haha yep fair enough. However...money is usually a pretty good indicator that the one possessing it has the ability to create value in the world; that there is something inherent and/or cultivated in that person that creates something of value, which is attractive, leading to...love.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: IsThisAGoodUsername on January 16, 2020, 06:04:23 PM
If you're only making 50%, you're doing your 409K wrong.

Wow, where do you work that you get a 409k ?!? That's like 8,000 better than my 401k !  :)
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Steeze on January 16, 2020, 06:16:53 PM
If you're only making 50%, you're doing your 409K wrong.

Wow, where do you work that you get a 409k ?!? That's like 8,000 better than my 401k !  :)

It’s only available to federal employees
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ixtap on January 16, 2020, 06:24:49 PM
If you're only making 50%, you're doing your 409K wrong.

Wow, where do you work that you get a 409k ?!? That's like 8,000 better than my 401k !  :)

It’s only available to federal employees

I thought it was only available to Trump supporters.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: AMandM on January 17, 2020, 05:32:20 AM
However...money is usually a pretty good indicator that the one possessing it has the ability to create value in the world; that there is something inherent and/or cultivated in that person that creates something of value, which is attractive, leading to...love.

I totally disagree with this reasoning. Money is an indicator that the one possessing it has the ability to do something that other people will pay for (or that his/her forbears did). That's not the same thing as something of value.  A person can make money without creating anything truly of value, because people spend money for all kinds of reasons that aren't valuable--to feel superior, to enable laziness, to gratify lust, to project a false image, to indulge gluttony, or just out of ignorance. Conversely, many activities that are very valuable aren't highly compensated: think of traditional "women's work" such as childrearing.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: OtherJen on January 17, 2020, 05:39:07 AM
However...money is usually a pretty good indicator that the one possessing it has the ability to create value in the world; that there is something inherent and/or cultivated in that person that creates something of value, which is attractive, leading to...love.

I totally disagree with this reasoning. Money is an indicator that the one possessing it has the ability to do something that other people will pay for (or that his/her forbears did). That's not the same thing as something of value.  A person can make money without creating anything truly of value, because people spend money for all kinds of reasons that aren't valuable--to feel superior, to enable laziness, to gratify lust, to project a false image, to indulge gluttony, or just out of ignorance. Conversely, many activities that are very valuable aren't highly compensated: think of traditional "women's work" such as childrearing.

Thank you.

Remember, someone became a millionaire by selling Pet Rocks.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: MissNancyPryor on January 17, 2020, 06:50:47 AM
Various discussions about the "stock market casino"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: NorCal on January 17, 2020, 07:00:46 AM
Kind of reminds me of a story of when I was first dating my wife.

Somehow, the topic of cars came up, and she mentioned she had an $X per month car payment (I forget the exact amount).

To this day, she reminds me of the completely confused look I gave her.  She had to explain to me why someone would finance a car, because the entire concept escaped me.  I couldn't fathom why someone would do something that ridiculous.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Jouer on January 17, 2020, 07:09:50 AM
"I don't care too much for money. Money can't buy me love!" Nightmare philosophy foisted on the unsuspecting by the clueless.

I focus on the third verse as the real meat of that song:

"Say you don't need no diamond rings
And I'll be satisfied
Tell me that you want the kind of things
That money just can't buy
I don't care too much for money
Money can't buy me love"

:)

Haha yep fair enough. However...money is usually a pretty good indicator that the one possessing it has the ability to create value in the world; that there is something inherent and/or cultivated in that person that creates something of value, which is attractive, leading to...love.

Wait. What? He's looking for an MMM girl. This should be the site's theme song.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: sherr on January 17, 2020, 07:48:15 AM
If you're only making 50%, you're doing your 409K wrong.

Wow, where do you work that you get a 409k ?!? That's like 8,000 better than my 401k !  :)

Heh.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ixtap on January 17, 2020, 07:50:51 AM
" Ya but the stock market is going to crash and you will have nothing, better off spending it now"

I have multiple friends and family members who are aware of my early retirement goals and think I should be spending it all and that I will regret putting it into the market.

And what will they have when the next recession comes and they lose their job, then their home? Happy memories to keep them warm sleeping in their car?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: UndergroundDaytimeDad on January 17, 2020, 10:02:26 AM
I hear family and friends use the word invest wrong all the time.  "I'm going to invest in a good pair of shoes."  or "I'm going to invest in a nice car."

I'm not against buying better quality, but unless it's a buy for life decision, I don't see it as an investment.

Media and politicians around here are always throwing around "investment" when they mean to say expenditure or expense.  No money is ever spent, expended, paid, etc for education, healthcare, roads, or workers.  It is always characterized as an investment.  That doesn't excuse people from adopting this bastardization of the language, but it takes additional awareness to stick to the true meaning of words. 
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Channel-Z on January 18, 2020, 09:15:32 AM
I always hear non-Mustachian people using the phrase...

..."I don't want my (whatever co-worker brought from home for lunch)." Co-worker then proceeds to order for delivery or visit the Company Kitchen kiosk downstairs.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: DeedlesSci on January 18, 2020, 11:15:01 AM
What really gets me is when I hear one of the phrases mentioned along the lines of:
I work hard, I deserve __________ or I treated myself to _________
And, then hear from the same person:
I can't afford ________ or I'll never be able to retire.

Invariably, the items they deserve or treat themselves to are wants and luxuries. Where the things they can't afford are, to my ears, more fundamentally important.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: AMandM on January 18, 2020, 01:10:21 PM
I hear family and friends use the word invest wrong all the time.  "I'm going to invest in a good pair of shoes."  or "I'm going to invest in a nice car."

I'm not against buying better quality, but unless it's a buy for life decision, I don't see it as an investment.

Media and politicians around here are always throwing around "investment" when they mean to say expenditure or expense.  No money is ever spent, expended, paid, etc for education, healthcare, roads, or workers.  It is always characterized as an investment.  That doesn't excuse people from adopting this bastardization of the language, but it takes additional awareness to stick to the true meaning of words.

True. Also, often people say "investment" when they are buying something expensive on the grounds that it will save money in the long run. E.g. a $200 pair of shoes that lasts 5 years counts as an investment compared to $30 shoes that have to be replaced every 6 months. That's at least an analogous use of the word--spending money now to increase your wealth in the long run. Although I suspect that 99% of the time the money saved on this kind of investment just gets spent on some other consumer good.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: UndergroundDaytimeDad on January 18, 2020, 07:27:12 PM
I hear family and friends use the word invest wrong all the time.  "I'm going to invest in a good pair of shoes."  or "I'm going to invest in a nice car."

I'm not against buying better quality, but unless it's a buy for life decision, I don't see it as an investment.

Media and politicians around here are always throwing around "investment" when they mean to say expenditure or expense.  No money is ever spent, expended, paid, etc for education, healthcare, roads, or workers.  It is always characterized as an investment.  That doesn't excuse people from adopting this bastardization of the language, but it takes additional awareness to stick to the true meaning of words.

True. Also, often people say "investment" when they are buying something expensive on the grounds that it will save money in the long run. E.g. a $200 pair of shoes that lasts 5 years counts as an investment compared to $30 shoes that have to be replaced every 6 months. That's at least an analogous use of the word--spending money now to increase your wealth in the long run. Although I suspect that 99% of the time the money saved on this kind of investment just gets spent on some other consumer good.
I was even once told exactly that by a lady trying to sell me shoes. 

Walked into an Aldo (Canadian place) and skipped past the expensive shoes near the door and was making my way to the back for the sale area when she stopped me.  Told me that a good pair of fancy shoes was an investment.  This place did not sell good quality shoes, just "going out in style" shoes, so there wasn't long term quality savings to be had.  A few choice questions about how much return I could expect, she got mad, and I left.  Occurs to me now that I haven't been in any of their stores since.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ixtap on January 18, 2020, 07:37:37 PM
I invest in shoes to the extent that the right ones save me a lot of back and hip issues. Lucky for me, the right ones tend to be ~$100, rather than $200.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Jouer on January 20, 2020, 07:46:10 AM
I invest in shoes to the extent that the right ones save me a lot of back and hip issues. Lucky for me, the right ones tend to be ~$100, rather than $200.

Exactly. It's a health investment, not a financial investment.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: The_Big_H on January 20, 2020, 08:00:00 AM
I invest in shoes to the extent that the right ones save me a lot of back and hip issues. Lucky for me, the right ones tend to be ~$100, rather than $200.

Exactly. It's a health investment, not a financial investment.

How about “wise efficient spending”. I mean I buy only one brand of shoe for all shoe types (Dunham) because I have really wide duck feet and need the support and they make reasonably stylish ones with all the variants I need. Sandal for casual. Boat shoe for business casual or colder days. Dress shoe. And a hiking boot for outdoors activity.  They are pricey though $90-$150 along that range. But I wear them until they are destroyed.  Well the dress shoe will be good for decades because I only need it maybe 10 times a year. Follow them on amazon and try to buy when on sale.

I feel like that’s mustachian as almost every expensive shoe I own gets fully used and I’m not wasting money on cheaper uncomfortable ones that I won’t wear.  Or “fast fashion” shoes that you wear five times. Which not only waste money but waste resources.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Just Joe on January 20, 2020, 02:10:14 PM
How do you follow things on Amazon? Not sure if my ad blocker software is blocking a button or star or something...
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: jinga nation on January 20, 2020, 02:21:09 PM
I hear family and friends use the word invest wrong all the time.  "I'm going to invest in a good pair of shoes."  or "I'm going to invest in a nice car."

I'm not against buying better quality, but unless it's a buy for life decision, I don't see it as an investment.

Media and politicians around here are always throwing around "investment" when they mean to say expenditure or expense.  No money is ever spent, expended, paid, etc for education, healthcare, roads, or workers.  It is always characterized as an investment.  That doesn't excuse people from adopting this bastardization of the language, but it takes additional awareness to stick to the true meaning of words.

True. Also, often people say "investment" when they are buying something expensive on the grounds that it will save money in the long run. E.g. a $200 pair of shoes that lasts 5 years counts as an investment compared to $30 shoes that have to be replaced every 6 months. That's at least an analogous use of the word--spending money now to increase your wealth in the long run. Although I suspect that 99% of the time the money saved on this kind of investment just gets spent on some other consumer good.
I was even once told exactly that by a lady trying to sell me shoes. 

Walked into an Aldo (Canadian place) and skipped past the expensive shoes near the door and was making my way to the back for the sale area when she stopped me.  Told me that a good pair of fancy shoes was an investment.  This place did not sell good quality shoes, just "going out in style" shoes, so there wasn't long term quality savings to be had.  A few choice questions about how much return I could expect, she got mad, and I left.  Occurs to me now that I haven't been in any of their stores since.
Aldo made their not-to-buy list:
https://youtu.be/V2Z47b36gds
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: DadJokes on January 20, 2020, 05:03:15 PM
How do you follow things on Amazon? Not sure if my ad blocker software is blocking a button or star or something...

I use camelcamelcamel to let me know when items I want on Amazon fall below a certain price.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Just Joe on January 20, 2020, 07:22:39 PM
Thanks. I have that plugin installed but have not made much effort to explore its full capabilities.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Travis on January 21, 2020, 12:43:25 AM
YOLO/you might get hit by a bus/live a little/whatever excuse to have expensive fun right now....

You might also live to 100...


The market is rigged/only for rich people/you don't know what you're talking about...

Got a better idea?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Omy on January 21, 2020, 06:40:15 AM
YOLO/you might get hit by a bus/live a little/whatever excuse to have expensive fun right now....

You might also live to 100...


The market is rigged/only for rich people/you don't know what you're talking about...

Got a better idea?

And the related quote "Life is short!"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Travis on January 21, 2020, 01:19:53 PM
YOLO/you might get hit by a bus/live a little/whatever excuse to have expensive fun right now....

You might also live to 100...


The market is rigged/only for rich people/you don't know what you're talking about...

Got a better idea?

And the related quote "Life is short!"

Pretty much any expression that boils down to "I suck at planning past this month!"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Monerexia on January 21, 2020, 10:16:27 PM
"Just renting now, going to wait until the market goes down to buy." mhmmm..
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Travis on January 22, 2020, 01:18:01 AM
"Just renting now, going to wait until the market goes down to buy." mhmmm..

To be fair to them, at least they're running the numbers. It wasn't that long ago that the mantra was "buy no matter the price because - investment!"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: BlueHouse on January 23, 2020, 09:03:09 AM
"I just saved so much money" ....by spending a lot
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: dcheesi on January 23, 2020, 09:09:27 AM
"Just renting now, going to wait until the market goes down to buy." mhmmm..

To be fair to them, at least they're running the numbers. It wasn't that long ago that the mantra was "buy no matter the price because - investment!"
More specifically, it was "--because the housing market never goes down!"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Daisyedwards800 on January 23, 2020, 02:31:34 PM
"Life happened."
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Hula Hoop on January 24, 2020, 06:00:07 AM
"Just renting now, going to wait until the market goes down to buy." mhmmm..

To be fair to them, at least they're running the numbers. It wasn't that long ago that the mantra was "buy no matter the price because - investment!"
More specifically, it was "--because the housing market never goes down!"

"bricks and mortar" = always a good investment as "they aren't making any more land".
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: runningthroughFIRE on January 24, 2020, 09:50:35 AM
"Just renting now, going to wait until the market goes down to buy." mhmmm..

To be fair to them, at least they're running the numbers. It wasn't that long ago that the mantra was "buy no matter the price because - investment!"
More specifically, it was "--because the housing market never goes down!"

"bricks and mortar" = always a good investment as "they aren't making any more land".

I get a lot of "When are you going to stop throwing your money away on rent?"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Lucky13 on January 24, 2020, 10:31:03 AM
"I want to die broke" or "I dont' want to die with money in the bank" and I can kind of get that sentiment if not wanting/needing to leave money to the next generation but people seem to use this as an excuse not to save and just spend.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Luap595 on January 24, 2020, 10:58:31 AM
I had to buy X, because my former X was old.

For example, "I had to buy a new pair of shoes, because my other pair were old."

Not damaged in some way that made them unusable, just that the item was produced 2 or more years ago. I hear this a lot as an excuse for buying shiny new things.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Lucky13 on January 24, 2020, 01:11:26 PM
I had to buy X, because my former X was old.

For example, "I had to buy a new pair of shoes, because my other pair were old."

Not damaged in some way that made them unusable, just that the item was produced 2 or more years ago. I hear this a lot as an excuse for buying shiny new things.
This is why MMM is still using this forum software from 2005 because we don't believe in upgrading just for appearances. :P
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Monerexia on January 24, 2020, 02:52:39 PM
I had to buy X, because my former X was old.

For example, "I had to buy a new pair of shoes, because my other pair were old."

Not damaged in some way that made them unusable, just that the item was produced 2 or more years ago. I hear this a lot as an excuse for buying shiny new things.
This is why MMM is still using this forum software from 2005 because we don't believe in upgrading just for appearances. :P

Haha no doubt--there's a restaurant supply store where I live and you can tell the owners are frugal--their inventory software looks like it was designed for soviet submarines in the early 60's.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Monerexia on January 24, 2020, 02:57:52 PM
"Just renting now, going to wait until the market goes down to buy." mhmmm..

To be fair to them, at least they're running the numbers. It wasn't that long ago that the mantra was "buy no matter the price because - investment!"
More specifically, it was "--because the housing market never goes down!"

Yes there is that but the people I was thinking about are not making any kind of intelligent or thought-out choice. They are paycheck to paycheck people who have always rented. It's not like they're ready with their 20% down and studying local trends ready to pounce--they are unconscious and financially leaking all over the place, credit card balances up the whatsit, etc. In no way are they "waiting until the market goes down." It will always be too high. 

"bricks and mortar" = always a good investment as "they aren't making any more land".

I get a lot of "When are you going to stop throwing your money away on rent?"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Travis on January 24, 2020, 04:59:13 PM
"Just renting now, going to wait until the market goes down to buy." mhmmm..

To be fair to them, at least they're running the numbers. It wasn't that long ago that the mantra was "buy no matter the price because - investment!"
More specifically, it was "--because the housing market never goes down!"

"bricks and mortar" = always a good investment as "they aren't making any more land".

And strangely "they" still find places to build new houses.

Also, home owners aren't immortal and will sell eventually.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Travis on January 24, 2020, 05:01:15 PM
"Just renting now, going to wait until the market goes down to buy." mhmmm..

To be fair to them, at least they're running the numbers. It wasn't that long ago that the mantra was "buy no matter the price because - investment!"
More specifically, it was "--because the housing market never goes down!"

"bricks and mortar" = always a good investment as "they aren't making any more land".

I get a lot of "When are you going to stop throwing your money away on rent?"

My boss was trying to give me good advice a couple years when he suggested I buy a house even though I'd only live there for two years because "equity."  I played that game a decade ago and all I saw was "closing costs."
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ixtap on January 24, 2020, 05:29:22 PM
"Just renting now, going to wait until the market goes down to buy." mhmmm..

To be fair to them, at least they're running the numbers. It wasn't that long ago that the mantra was "buy no matter the price because - investment!"
More specifically, it was "--because the housing market never goes down!"

"bricks and mortar" = always a good investment as "they aren't making any more land".

I get a lot of "When are you going to stop throwing your money away on rent?"

My boss was trying to give me good advice a couple years when he suggested I buy a house even though I'd only live there for two years because "equity."  I played that game a decade ago and all I saw was "closing costs."

Someone posted a guideline the other day that you should only buy if annual rent x 15 is more than the cost of the house. Based on that guideline, as long as rent doesn't increase by more than 33% this year, we are good.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Monerexia on January 25, 2020, 06:01:53 PM
"I'm so excited for the weekend!" Over the past two years I have taken that phrase out of my vocabulary and made a little over $1700 average every weekend. I can't stand the thought of taking time off now and thinking, "congratulations, that was an $800 bike ride."
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Runrooster on January 26, 2020, 05:01:39 PM
Over the past two years I have taken that phrase out of my vocabulary and made a little over $1700 average every weekend.

You make an extra $80K by working weekends? Doing that for two years straight is impressive.  I work most weekends (on top of a full time job) for about 4 months and I am burned out when it's over.

Or do you work full time but take a mid-week 2 days off?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Monerexia on January 26, 2020, 06:23:23 PM
Over the past two years I have taken that phrase out of my vocabulary and made a little over $1700 average every weekend.

You make an extra $80K by working weekends? Doing that for two years straight is impressive.  I work most weekends (on top of a full time job) for about 4 months and I am burned out when it's over.

Or do you work full time but take a mid-week 2 days off?

Yes I went through several fairly discrete stages which I worked into incrementally as I connected the dots and found what worked for me. 1--work part time, sun myself and enjoy life. 2. Work full time and spend all my money--vacations, expensive things blah blah. 3. Work full time and save some money. 4. Work double-time and save some money. 5. The monerexia kicked in and I started to work double-time and save nearly all my money. Yes there is some burnout but my heroes have always been cowboys--um workaholics, and I have found there are enough forced days off during the year that it is doable. Plus let us not forget I get a full 12 hrs off every single day.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Reynold on February 12, 2020, 02:45:57 PM
My boss was trying to give me good advice a couple years when he suggested I buy a house even though I'd only live there for two years because "equity."  I played that game a decade ago and all I saw was "closing costs."

I got that early in my career, I was in a HCOL area for a specific 2 year contract, and was told the previous person who had that contract made more money selling their place after 2 years than salary during that time.  We had never owned, but that still told me it was a housing bubble.  So we rented, and at the end of 2 years, the landlord was trying to sell it.  They had one (1) person come look at it in 6 months.  Bubble over, and we moved on to another state, as expected. . .

On the topic of this thread, I did recently give a financial presentation to a non-profit I'm a member of that got a bequest on how to invest it for the long term.  I'm betting nobody else on this forum thought of this solution: do a 65/35% mix of index funds and fixed income, rebalance once a year, and don't take out more than 4% a year.  :)  I dressed it up nicely with data from links I've seen here, and some graphs, and they were shocked at how simple it could be.  I added an extra rule to be more conservative, since they don't NEED the money, if the total account doesn't go up by 4% in any one year, don't take anything out that year. 

Anyway, one person in the meeting was outraged that I could suggest something so risky.  "Didn't I know the market just hit all time highs?"  (Answer, yes, it does that regularly, the market goes up over the long term.)  "Didn't I know the market went down 90% in the Great Depression?" (Answer, yes, this model was back tested against that, and that is why SWR is only 4%.)  "The Fed has pumped 1 trillion into the economy, and the worldwide economy is about to collapse!!"  (Answer, as I showed, this model has been tested against the markets of 16 other advanced economies as well as ours, for a total of roughly 1700 years of market activity, and it works as long as you don't have WW 2 on your territory.) He finally left the meeting as he "couldn't listen to this insanity" any more. 

I suspect I'll have a bit more trouble with him, but he'll be outvoted by the other people who really liked what I presented.  The only argument I'll have is about using stop loss orders, which guarantee you will miss any market bounce back from a dip. 
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: LiveLean on February 12, 2020, 04:27:17 PM
"We love Disney World."
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: LaineyAZ on February 21, 2020, 07:01:12 AM
I've heard "ooohh, I was really baad this weekend...!"  meaning they overspent on some unnecessary thing and now they're sorry/not sorry.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Just Joe on February 21, 2020, 08:45:48 AM
Mustachian: "ooohh, I was really baad this weekend...!"

Coworker: "what did you do?" Assumes you bought a car on your credit card or booked three week cruise on Bill Gate's yacht.

Mustachian: "we went out to eat..."

Coworker: ?!?!?!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: marty998 on February 22, 2020, 05:05:09 PM
I had to buy X, because my former X was old.

For example, "I had to buy a new pair of shoes, because my other pair were old."

Not damaged in some way that made them unusable, just that the item was produced 2 or more years ago. I hear this a lot as an excuse for buying shiny new things.
This is why MMM is still using this forum software from 2005 because we don't believe in upgrading just for appearances. :P

Haha no doubt--there's a restaurant supply store where I live and you can tell the owners are frugal--their inventory software looks like it was designed for soviet submarines in the early 60's.

And those subs are still working damn well from what I hear. Meanwhile our Australian state-of-the-art brand new submarines have been on the drawing board for 10 years now, because we can't figure out how to stop them from being noisy when they move.

Yes that's right. They are designed to be undetectable on radar, but you can hear their noisy diesel engines from the other side of the Pacific Ocean. And we're paying the French $80 billion for it.

There is merit to keeping old, uncomplicated shit going for as long as possible.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: LennStar on February 27, 2020, 05:01:50 AM
"God will provide."  When someone says this, I hear "I refuse to take responsibility for my future and expect my friends and family to take care of me."

Oh? When did you hire God as your servant?

I had to look it up.  This is from their main page.  Honestly, this is the type of content I would have written in 6th grade. 

Saladmaster has revolutionized healthy cooking by offering premium products through a unique cooking experience. Our vision is for everyone in the world to experience Saladmaster. For more than 70 years, Saladmaster has changed lives by empowering Cooking Coaches to achieve their entrepreneurial goals in more than 45 countries. As a multimillion-dollar company, Saladmaster’s state-of-the-art cookware is manufactured by parent company Regal Ware, Inc.

DING DING DING DING DING! BINGO!!!!!

Quote
I hear family and friends use the word invest wrong all the time.  "I'm going to invest in a good pair of shoes."
No, a good pair of shoes IS an investment, mainly in good feet, (literally) easy going and such better health.

But unfortunately by good shoes most people mean expensive ones not comfy enough to be worn the whole day.

Quote
Haha no doubt--there's a restaurant supply store where I live and you can tell the owners are frugal--their inventory software looks like it was designed for soviet submarines in the early 60's.

Ever heard of SAP? You can still use their 80s views. It is ugly as hell, but it still gets things done.
In software and especially crypto, don't use the latest fad. Use what has worked for years (or decades).


Quote
Anyway, one person in the meeting was outraged that I could suggest something so risky.  "Didn't I know the market just hit all time highs?"  (Answer, yes, it does that regularly, the market goes up over the long term.)  "Didn't I know the market went down 90% in the Great Depression?" (Answer, yes, this model was back tested against that, and that is why SWR is only 4%.)  "The Fed has pumped 1 trillion into the economy, and the worldwide economy is about to collapse!!"  (Answer, as I showed, this model has been tested against the markets of 16 other advanced economies as well as ours, for a total of roughly 1700 years of market activity, and it works as long as you don't have WW 2 on your territory.) He finally left the meeting as he "couldn't listen to this insanity" any more.
My point is always: If something happens that is so bad that this strategy fails, than you have more pressing worries anyway, like finding something to eat.


Quote
Mustachian: "we went out to eat..."

Coworker: ?!?!?!

LOL me 2 days ago on business trip. Paid 15€ for a f***ing Ramen soup + 1 drink! Most expensive soup I had in my life I think :D
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: ohsnap on February 27, 2020, 05:06:40 PM
...

LOL me 2 days ago on business trip. Paid 15€ for a f***ing Ramen soup + 1 drink! Most expensive soup I had in my life I think :D

Ugh that reminds me of when a friend came to town for a conference last year.  I picked her up at the airport and we went to a trendy "Food Hall" near her hotel for dinner.  I paid about $15 for a bowl of noodles with 3 shrimp in it.

Food halls are a scourge...Overpriced, noisy, and crowded.  At least you don't have to stand in a parking lot or sit at a picnic table in a parking lot like food trucks.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Just Joe on February 28, 2020, 07:54:05 AM
Buying fast food is crazy these days. In a moment of weakness I stopped at Chik-Fil-A. Bought a coke and 4 chicken strips. They were little things. Total bill was close to $8!

I could have driven across the street to the grocery store deli and bought four BIG chicken strips for half that and 50 cents for a can coke.

Between CFA's owner's politics (LGBTQ topics) and their prices I'm done for good.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: The_Big_H on February 29, 2020, 10:19:40 PM
"We love Disney World."

"We love Cruising"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: By the River on March 02, 2020, 09:29:08 AM
"We love Cruising"

Could be mustachian...Luck into one of the cruises with a Coronavirus patient, end up at sea for 3-4 weeks while looking for a country to accept the ship.  28 days for the cost of 7.   

(another reason to skip cruising for me)
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Dicey on March 02, 2020, 09:53:37 AM
"Car payment." Car. Payment? WTF? How in the hell is this possibly even a thing?
Late to the party, but gotta reply anyway...

Hahaha, I had a car loan for 1.99%, then on a different car for 1.49%, both used cars. In fact, the second loan was taken out against a paid-for vehicle. My credit score was stagnating because I didn't have any loans, so I took the loan and invested the money. Still hated having a loan and paid it off early.

It is a mustachian thing if you do it right.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Luap595 on March 02, 2020, 12:28:04 PM
"Retail therapy"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Imma on March 02, 2020, 02:15:13 PM

"401ks/stocks are rigged" / "the government will confiscate your 401k" or similar doomsday talk.

My coworkers are convinced that if you have a pension or any wealth you're not going to get any social security in a couple of decades. So best option is to spend, spend, spend now before you end up with too much money.

Seriously even if it was true that I wouldn't qualify for social security because I have money of my own, I'd still prefer the security of my own wealth in my account right now over the promise of social security one day.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: zolotiyeruki on March 02, 2020, 07:21:49 PM
Seriously even if it was true that I wouldn't qualify for social security because I have money of my own, I'd still prefer the security of my own wealth in my account right now over the promise of social security one day.
Heh, if it were that way, I'm sure enterprising folks would find...ah...alternative ways of stashing money for retirement.  Like a real estate empire.  Or some sort of business.  Or gold.  Or guns.  Something that at least won't depreciate.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: mustachepungoeshere on March 02, 2020, 08:42:51 PM
"It was only $20." Or $30, $40, whatever. All the onlys add up eventually.

"I did a thing." Accompanied by a photo of a new dress or concert tickets or something.

"Congratulations!" or "Congrats on your new baby!" or any variation thereof in response to people who inexplicably post photos on social media when they purchase a new car. It's a mode of transport (usually accompanied by a car loan), it's not an achievement.

Wow, I sound really bitter!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: runningthroughFIRE on March 03, 2020, 08:55:28 AM
[...]

"I did a thing." Accompanied by a photo of a new dress or concert tickets or something.

[...]

I got a good laugh - I'm very guilty of doing this. I'm generally known for being a tightass about spending, so for me it's funny to spring it on people when I'm not.

Around my office I hear "Well you can afford it" a lot, especially when talking about upgrading to a nicer/more expensive car, house, or doodad when they're still happy with the current one. It's just not the shiniest new thing.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: coynemoney on March 04, 2020, 08:26:03 AM

"401ks/stocks are rigged" / "the government will confiscate your 401k" or similar doomsday talk.

My coworkers are convinced that if you have a pension or any wealth you're not going to get any social security in a couple of decades. So best option is to spend, spend, spend now before you end up with too much money.

Seriously even if it was true that I wouldn't qualify for social security because I have money of my own, I'd still prefer the security of my own wealth in my account right now over the promise of social security one day.

Seems like the Boomer version of "Why pay my student loans? The government is going to pay them all in a few years."
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: The_Big_H on March 04, 2020, 06:48:24 PM
"Retail therapy"

"It was on sale!"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Evildunk99 on March 06, 2020, 02:47:27 PM
"Treat yourself!"

"We thought about going with XX product/service, but the premium product/service will be worth it"

"I can only bring my lunch to work like once per week because it's so annoying"

"There's soooo much traffic on my 60 mile commute!  -- they really need to improve the roads around XX!"

"Unless you're a foodie, you probably wouldn't like XX fancy restaurant"

"Aghhhhh I'm a workaholic"  /  "Aghhhh I'm always sooooo busy"

"Why don't you just do XX expensive decision, it's so much easier!"
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Dicey on March 06, 2020, 06:14:35 PM
"Treat yourself!"
I confess, I do this fairly often...at the Dollar Store, lol.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: LennStar on March 07, 2020, 04:04:34 AM
"Treat yourself!"
I confess, I do this fairly often...at the Dollar Store, lol.
First I treat myself by putting money in the savings. If there is some left, I sometimes indulge in an ice or chocolade. If I feel really wealthy I allow myself to go into a bookshop (which invariably means I buy one).
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Dicey on March 07, 2020, 08:47:50 AM
"Treat yourself!"
I confess, I do this fairly often...at the Dollar Store, lol.
First I treat myself by putting money in the savings. If there is some left, I sometimes indulge in an ice or chocolade. If I feel really wealthy I allow myself to go into a bookshop (which invariably means I buy one).
@LennStar, I used to have the same bookstore problem so I started volunteering at the library book sales. First choice of thousands of gently used books for a buck apiece or less. One volunteer gig led to another and I now have scores of friends in my community, which is an amazing thing. I've also noticed that friends found through volunteering tend to have more of a frugal mindset. Yay for frugal books and frugal friends. Yet another benefit is that a lot of them are retired early too, which neatly avoids the post-FIRE pitfall of having no one to play with during business hours, for the win.

Oh, and sorting books is dead easy. Call your library today and see if they have a Friends Group. It could change your life. One more thing, all the people you will meet are readers. It's an almost instant tribe.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: wanderlustNW on March 07, 2020, 08:55:07 AM
"Well, I work hard, so I deserve it!

I was going to say this. So many people I know say this about high expense items and fancy vacations. "My life is so busy and crazy that I deserve a tropical vacation that costs thousands and thousands of dollars meanwhile I complain about my student loans."

I work with students in my job who rotate through my clinic and even they say this. "School has been so hard and stressful that I deserve a spring break to Hawaii." Or a new car, or expensive clothing.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Dicey on March 07, 2020, 09:06:10 AM
"Well, I work hard, so I deserve it!

I was going to say this. So many people I know say this about high expense items and fancy vacations. "My life is so busy and crazy that I deserve a tropical vacation that costs thousands and thousands of dollars meanwhile I complain about my student loans."

I work with students in my job who rotate through my clinic and even they say this. "School has been so hard and stressful that I deserve a spring break to Hawaii." Or a new car, or expensive clothing.
Ah, yes, the consumerist brainwashing starts early. It's not like people who say this crap are typically doing hard physical labor, either.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: imadandylion on March 07, 2020, 09:16:57 AM
"Well, I work hard, so I deserve it!

I was going to say this. So many people I know say this about high expense items and fancy vacations. "My life is so busy and crazy that I deserve a tropical vacation that costs thousands and thousands of dollars meanwhile I complain about my student loans."

I work with students in my job who rotate through my clinic and even they say this. "School has been so hard and stressful that I deserve a spring break to Hawaii." Or a new car, or expensive clothing.

To be a fair, a tropical vacation doesn't have to be expensive. It can be done very cheaply without sacrificing much. I think the big problem is the people who just want to stay at a resort the whole time and never explore the towns or anything, local restaurants, or local supermarkets. Tried to explain to a family friend that a fun trip with family or friends can be had for much less than the 'package deal' she keeps getting to go on trips to Mexico and it did not compute. In short – don't fall for all-inclusive resort packages. But yes, most people will do international vacations the most expensive way possible, probably without realizing it.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Model96 on March 09, 2020, 12:33:00 AM
'It Is What It Is'

It's getting more common, and irritating, to hear this.....
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Dicey on March 09, 2020, 01:50:20 AM
'It Is What It Is'

It's getting more common, and irritating, to hear this.....
It's a midern-day "Que sera, sera." At least there's no saccarine-sweet song to go along with the phrase.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: mm1970 on March 09, 2020, 12:40:30 PM
"Well, I work hard, so I deserve it!

I was going to say this. So many people I know say this about high expense items and fancy vacations. "My life is so busy and crazy that I deserve a tropical vacation that costs thousands and thousands of dollars meanwhile I complain about my student loans."

I work with students in my job who rotate through my clinic and even they say this. "School has been so hard and stressful that I deserve a spring break to Hawaii." Or a new car, or expensive clothing.
Long ago and far away, I had a lovely coworker with a wife and 3 kids.  They had credit card debt to the tune of around $15,000 - he was stressed about it. 

I didn't know what to say, really, but he let it slip that his wife liked to shop.  "But MM, how can I tell her not to shop when she works so hard?"  Buddy, you can't afford it.  If the math doesn't add up, she cannot afford those new items.

I ran into him recently.  I hope he's doing better.  This convo was 15-20 years ago.  His kids are mostly grown at least.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Ann on March 09, 2020, 02:55:20 PM
'It Is What It Is'

It's getting more common, and irritating, to hear this.....

Is this limited to non-Mustachians?  I totally get that any glib phrase repeated excessively is annoying.  I guess I liked this one because it’s like the beginning of a mathematical proof.  A = A
Are they applying it to their credit card debit or something and not doing anything about it?

(I guess I always associated with a ‘getting over it’ mentality — you can obsess over why something happened or how unfair it is but at the end of the day the situation is the situation.  Yeah, student loans may not be set up fairly and high schools should probably better educate students on some real-world knowledge and you graduated and there’s now a slump in your field.  Whatever those past factors are: the situation exits.  Now stop looking back and DO something about it!)
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: phildonnia on March 10, 2020, 04:00:10 PM
'I can't afford to invest'.......from people that invariably seem to be able to spend lots on objects that depreciate faster than they can buy them.....

Those same people use "invest" to mean "consume".  As in "I think it's time to invest in a new screen."
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Gremlin on March 10, 2020, 04:34:59 PM
'I can't afford to invest'.......from people that invariably seem to be able to spend lots on objects that depreciate faster than they can buy them.....

Those same people use "invest" to mean "consume".  As in "I think it's time to invest in a new screen."
I often use the same term when I "congratulate" someone on a major purchase.  Those that know me, know that I'm mocking the recipient.  Those that don't, well... don't.  Kind of like a mustachian version of "bless your heart".
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Just Joe on March 11, 2020, 11:22:34 AM
That's funny!
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Master of None on March 11, 2020, 12:20:58 PM
'I can't afford to invest'.......from people that invariably seem to be able to spend lots on objects that depreciate faster than they can buy them.....

Those same people use "invest" to mean "consume".  As in "I think it's time to invest in a new screen."
I often use the same term when I "congratulate" someone on a major purchase.  Those that know me, know that I'm mocking the recipient.  Those that don't, well... don't.  Kind of like a mustachian version of "bless your heart".

Imitation is the sincerest form of flattery. Therefore I will be stealing this. Thank you for your service.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: TheGrimSqueaker on March 11, 2020, 03:50:55 PM
'I can't afford to invest'.......from people that invariably seem to be able to spend lots on objects that depreciate faster than they can buy them.....

Those same people use "invest" to mean "consume".  As in "I think it's time to invest in a new screen."
I often use the same term when I "congratulate" someone on a major purchase.  Those that know me, know that I'm mocking the recipient.  Those that don't, well... don't.  Kind of like a mustachian version of "bless your heart".

Imitation is the sincerest form of flattery. Therefore I will be stealing this. Thank you for your service.

The actual quotation, from a quip I always associated with Oscar Wilde, is: "Imitation is the sincerest form of flattery that mediocrity can pay to greatness." Apparently Wilde stole it from Charles Caleb Colton who'd written it thirty years before.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Model96 on March 14, 2020, 11:02:51 PM
'I can't afford to invest'.......from people that invariably seem to be able to spend lots on objects that depreciate faster than they can buy them.....

Those same people use "invest" to mean "consume".  As in "I think it's time to invest in a new screen."
I often use the same term when I "congratulate" someone on a major purchase.  Those that know me, know that I'm mocking the recipient.  Those that don't, well... don't.  Kind of like a mustachian version of "bless your heart".

Imitation is the sincerest form of flattery. Therefore I will be stealing this. Thank you for your service.

The actual quotation, from a quip I always associated with Oscar Wilde, is: "Imitation is the sincerest form of flattery that mediocrity can pay to greatness." Apparently Wilde stole it from Charles Caleb Colton who'd written it thirty years before.

Haha, it can be very good value to copy greatness! And an interesting path indeed this onion of quotes has taken :-)
My second most heard non- mustachian phrase is..” It was expensive but we will get the use out of it”..usually heard from someone who has thrown an extravagant amount away on a new car or piece of electronics, when they could have bought a good used version for less than a quarter of the price.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Threshkin on March 15, 2020, 07:51:09 PM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: LennStar on March 16, 2020, 05:54:30 AM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.
Actually, if the room is full, you being there is not helping the local business, you are hurting it, because instead of you there could be someone else spending $50 in that time instead of $6 ;)
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: DadJokes on March 16, 2020, 07:40:03 AM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Threshkin on March 16, 2020, 10:54:16 AM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.
Actually, if the room is full, you being there is not helping the local business, you are hurting it, because instead of you there could be someone else spending $50 in that time instead of $6 ;)

We go mid-week to places that are not crowded.  And I will not buy into the "don't go unless you spend a lot of money" mindset.  Very anti mustachian.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Threshkin on March 16, 2020, 10:55:55 AM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.

I am not giving it up.  Just taking a break.  I have lots of hobbies.  Plus social distancing.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: OtherJen on March 16, 2020, 06:52:14 PM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.

My state shut down bars, lounges, and eat-in restaurants as of 3 pm today. Enjoy the hobby while you can.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: DadJokes on March 17, 2020, 07:22:17 AM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.

My state shut down bars, lounges, and eat-in restaurants as of 3 pm today. Enjoy the hobby while you can.

At least through the end of the month, I will be working from home. We have enough groceries to get by a couple weeks. So the board game group will literally be my only human interaction outside of my house during that time.

The mall we play at was virtually abandoned long before there was a virus to blame, but if that gets shut down as well, I'll offer to move the group to my house. I won't stop organizing our group until I receive an order to do so from officials.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: skp on April 03, 2020, 12:42:47 PM
Proud look on face "I got it buy one get one free".  Sorry, you only got a deal if you really needed 2.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: RetiredAt63 on April 03, 2020, 11:14:46 PM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.

My state shut down bars, lounges, and eat-in restaurants as of 3 pm today. Enjoy the hobby while you can.

At least through the end of the month, I will be working from home. We have enough groceries to get by a couple weeks. So the board game group will literally be my only human interaction outside of my house during that time.

The mall we play at was virtually abandoned long before there was a virus to blame, but if that gets shut down as well, I'll offer to move the group to my house. I won't stop organizing our group until I receive an order to do so from officials.

2 weeks that feel like a lifetime later, what has happened with the board game group?
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: DadJokes on April 04, 2020, 08:39:10 AM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.

My state shut down bars, lounges, and eat-in restaurants as of 3 pm today. Enjoy the hobby while you can.

At least through the end of the month, I will be working from home. We have enough groceries to get by a couple weeks. So the board game group will literally be my only human interaction outside of my house during that time.

The mall we play at was virtually abandoned long before there was a virus to blame, but if that gets shut down as well, I'll offer to move the group to my house. I won't stop organizing our group until I receive an order to do so from officials.

2 weeks that feel like a lifetime later, what has happened with the board game group?

All but a couple of us backed out, so we ended up calling it until everything blows over. I guess I get it, but I think we could have just disinfected everything and been just fine. As things are, I'm down to just playing games online and video games.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: RetiredAt63 on April 04, 2020, 11:51:06 AM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.

My state shut down bars, lounges, and eat-in restaurants as of 3 pm today. Enjoy the hobby while you can.

At least through the end of the month, I will be working from home. We have enough groceries to get by a couple weeks. So the board game group will literally be my only human interaction outside of my house during that time.

The mall we play at was virtually abandoned long before there was a virus to blame, but if that gets shut down as well, I'll offer to move the group to my house. I won't stop organizing our group until I receive an order to do so from officials.

2 weeks that feel like a lifetime later, what has happened with the board game group?

All but a couple of us backed out, so we ended up calling it until everything blows over. I guess I get it, but I think we could have just disinfected everything and been just fine. As things are, I'm down to just playing games online and video games.

You would all have needed face masks to protect each other.  Disinfection is only half the protection issue.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: OtherJen on April 04, 2020, 03:34:01 PM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.

My state shut down bars, lounges, and eat-in restaurants as of 3 pm today. Enjoy the hobby while you can.

At least through the end of the month, I will be working from home. We have enough groceries to get by a couple weeks. So the board game group will literally be my only human interaction outside of my house during that time.

The mall we play at was virtually abandoned long before there was a virus to blame, but if that gets shut down as well, I'll offer to move the group to my house. I won't stop organizing our group until I receive an order to do so from officials.

2 weeks that feel like a lifetime later, what has happened with the board game group?

All but a couple of us backed out, so we ended up calling it until everything blows over. I guess I get it, but I think we could have just disinfected everything and been just fine. As things are, I'm down to just playing games online and video games.

You would all have needed face masks to protect each other.  Disinfection is only half the protection issue.

This. It isn't worth the risk for a few hours of fun. A choir decided to go ahead with rehearsal. Now dozens of members have COVID-19 and two are dead (https://www.msn.com/en-us/news/us/a-choir-decided-to-go-ahead-with-rehearsal-now-dozens-of-members-have-covid-19-and-two-are-dead/ar-BB11Tjim?ocid=ob-fb-enus-280&fbclid=IwAR1MXvqkXEgiP9EB4lrmb3wHDBDWS8sYYTsoWGKp9kmb5voc41bl0u4Gmos) (I'm a choral singer and this one hit home. The directors of both of my choirs thankfully had decided to cancel our rehearsals during the same week described in this article.)

You might consider a group video call and an online board game platform. I haven't tried the latter, but my friends and I did a virtual happy hour last night and had a lot of fun. We're going to make it a weekly thing.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Wrenchturner on April 04, 2020, 04:37:48 PM
This. It isn't worth the risk for a few hours of fun. A choir decided to go ahead with rehearsal. Now dozens of members have COVID-19 and two are dead (https://www.msn.com/en-us/news/us/a-choir-decided-to-go-ahead-with-rehearsal-now-dozens-of-members-have-covid-19-and-two-are-dead/ar-BB11Tjim?ocid=ob-fb-enus-280&fbclid=IwAR1MXvqkXEgiP9EB4lrmb3wHDBDWS8sYYTsoWGKp9kmb5voc41bl0u4Gmos) (I'm a choral singer and this one hit home. The directors of both of my choirs thankfully had decided to cancel our rehearsals during the same week described in this article.)

That's a hell of a story.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Imma on April 05, 2020, 02:45:48 AM
This. It isn't worth the risk for a few hours of fun. A choir decided to go ahead with rehearsal. Now dozens of members have COVID-19 and two are dead (https://www.msn.com/en-us/news/us/a-choir-decided-to-go-ahead-with-rehearsal-now-dozens-of-members-have-covid-19-and-two-are-dead/ar-BB11Tjim?ocid=ob-fb-enus-280&fbclid=IwAR1MXvqkXEgiP9EB4lrmb3wHDBDWS8sYYTsoWGKp9kmb5voc41bl0u4Gmos) (I'm a choral singer and this one hit home. The directors of both of my choirs thankfully had decided to cancel our rehearsals during the same week described in this article.)

That's a hell of a story.
It happened near my hometown too. Now 7 people (so far) are dead in a community of 4000 and dozens are in hospital.
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Wintergreen78 on April 05, 2020, 01:46:38 PM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.

My state shut down bars, lounges, and eat-in restaurants as of 3 pm today. Enjoy the hobby while you can.

At least through the end of the month, I will be working from home. We have enough groceries to get by a couple weeks. So the board game group will literally be my only human interaction outside of my house during that time.

The mall we play at was virtually abandoned long before there was a virus to blame, but if that gets shut down as well, I'll offer to move the group to my house. I won't stop organizing our group until I receive an order to do so from officials.

2 weeks that feel like a lifetime later, what has happened with the board game group?

All but a couple of us backed out, so we ended up calling it until everything blows over. I guess I get it, but I think we could have just disinfected everything and been just fine. As things are, I'm down to just playing games online and video games.

You would all have needed face masks to protect each other.  Disinfection is only half the protection issue.

This. It isn't worth the risk for a few hours of fun. A choir decided to go ahead with rehearsal. Now dozens of members have COVID-19 and two are dead (https://www.msn.com/en-us/news/us/a-choir-decided-to-go-ahead-with-rehearsal-now-dozens-of-members-have-covid-19-and-two-are-dead/ar-BB11Tjim?ocid=ob-fb-enus-280&fbclid=IwAR1MXvqkXEgiP9EB4lrmb3wHDBDWS8sYYTsoWGKp9kmb5voc41bl0u4Gmos) (I'm a choral singer and this one hit home. The directors of both of my choirs thankfully had decided to cancel our rehearsals during the same week described in this article.)

You might consider a group video call and an online board game platform. I haven't tried the latter, but my friends and I did a virtual happy hour last night and had a lot of fun. We're going to make it a weekly thing.

I’ve done a couple group google hangouts now. One night we played Yahtzee. One friend kept a shared spreadsheet with the score. On Friday night we found a free on-line game where you drew pictures and people had to guess what the prompt was for each picture.

It has actually been a pretty good/free way to socialize with friends.

My friends who organize it are also the friends who always host happy hour at their place during normal times because they refuse to go out and pay for full-price beer and food :)
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Threshkin on April 13, 2020, 04:26:36 PM
Our board gaming group meets at local breweries.  I usually spend about $6.00 for one beer.  Occasionally I might splurge on a happy hour order of fries for $2.  It is cheap for 3-5 hours of entertainment and it helps support the local business who is providing the space.  This is usually my biggest discretionary spending all week outside of groceries.

I frequently hear people say "It costs $40 to $50 to go to game night."  This from people who order food they don't finish plus 2, 3 or more drinks...........

Unfortunately I will be taking a break from game nights for a while due to this pesky virus.

Last weekend, we were down from our usual 10-15 people to only 5. It was definitely difficult, but I'm not ready to give up my favorite hobby. We have cleaner for all of the tables and hand sanitizer to use between turns.

My state shut down bars, lounges, and eat-in restaurants as of 3 pm today. Enjoy the hobby while you can.

At least through the end of the month, I will be working from home. We have enough groceries to get by a couple weeks. So the board game group will literally be my only human interaction outside of my house during that time.

The mall we play at was virtually abandoned long before there was a virus to blame, but if that gets shut down as well, I'll offer to move the group to my house. I won't stop organizing our group until I receive an order to do so from officials.

2 weeks that feel like a lifetime later, what has happened with the board game group?
We are on indefinite hold.  No meetings scheduled.  Some people are using Table Top Simulator to get their gaming fix remotely but I have plenty of other things to do to keep me busy.  Plus spending hours staring at a computer screen sounds too much like being back at work!  I am happily FIREd, thank you
Title: Re: I always hear non-Mustachian people using the phrase...
Post by: Freedomin5 on April 16, 2020, 08:37:58 PM
Lately, I've been finding myself buying a lot more stuff online. The justification I use is "I'm helping to stimulate the economy". In one sense, it's pretty un-Mustachian to be so many not exactly essential goods (bought plants for the garden and paintings for decoration and yarn for art projects, planning to increase our cleaning lady's hours), but on the other hand, our economy really does need some stimulation right now, especially from those of us who still have steady incomes.