Author Topic: Reader Case Study - getting a temperature check on where I'm at  (Read 3330 times)

bobsmiley

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Life Situation:  35 years old, divorced with two kids, 11 and 10 in the USA

Gross Salary/Wages: $400k

Current savings:
HSA: $70k
401k: $300k
Private VTSAX: $30k
Cash: $50k

Primary home value  (about 5 years into mortgage):  $550k value with $450k 2.75% mortgage remaining.

no rental properties and no desire for more financial complexity in my life.

Big Expenses:
$80k / year Taxes
$30k / year Tithe
$30k / year 2nd Tithe
$10k / year 3rd Tithe (I'm a Christian and after studying the tithe have determined there are three tithes, the third to be paid every 3 years.)
$2k / mo Child support
$3000 / mo mortgage + HSA + property taxes + house insurance

Other expenses (totaling $3200 / mo)

$120 Utilities
$60 Internet
$70 Water

Auto
$120 Auto insurance
$40 Auto service
$40 Tolls

Shopping
$800 Groceries
$30 personal care
$60 clothing
$50 toys

Health and fitness
$30 Dentist
$100 Doctor
$15 Gym
$30 climbing gym
$15 daily burn

Entertainment
$110 snowboarding
$700 restaurants
$200 miscellaneous
$21 subscription services

Gifts
$100 others

Miscellaneous
$100 travel
$100 baby sitter
$50 allowances
$300 blow
$0 phone (work pays for this)


total: $20,700 / mo ($250k a year)

No debt other than the house.

The vast majority of my money is going towards immovable items (taxes, tithe, child support account for ~$175k of the $250k).

Expected retirement expenses:
$60k /year though it's unclear to me how to figure this number out. I'd like a paid off house at some point and once that's in place, the actual number here can be quite small. The big expenses I currently have will go away whenever I do decide to retire.

So...my actual question probably will be viewed as somewhat silly. I'm not as much interested in early retirement as I am in financial freedom. I believe I have an unhealthy relationship with money (as do most of us in some way.). I constantly am checking balances of accounts and feeling like I don't have enough. Though I can recognize my numbers are high compared to most, they don't feel high enough. In addition at some point I'd like to reevaluate my job into something that's more world impacting and less money making.

Recently I've decided to let a girl move in with me recently who lost her housing and was moving towards a really bad situation. She's chronically ill and cannot work and I think that's also contributing to a feeling of lack as she is quite expensive.

So.

What do you think of my situation? One way I'm attempting to frame it in my head is to ask myself if I can stop investing for post 65 year old retirement. If I did that, would the current $400k be enough to generate my budget? Not that I need to do this. My job is stable, it allows for me to engage with my kids in a healthy way and pick them up from school every day.

Part of my mindset is likely owed to the fact that my current income is fairly new. I've been making this kind of money for about a year. Though I see that if I keep going the path I am I would be saving an additional ~$100k every year I stay at this income.  At the end of 2019 I had roughly $100k net worth so it's shot up dramatically. (in 2019 my income also shot up from where it was previously.)

in 2023 I have maxed out my 401k, HSA, ESPP, and have $15k in a mega backdoor roth so far. I aim to have the IRS max of $66k in Sept and the rest of the year will likely put aside some money for the girl that moved in with me or for my kid's college.

Should I continue doing those things moving forward? Or should I put more money into vanguard and less into unreachable places?

I think regardless of what I do I'm still working until my kids are grown and out. At which point my whole world will be different and likely something I can't visualize today.


Thanks in advance I appreciate your thoughts.






« Last Edit: August 08, 2023, 10:37:29 PM by bobsmiley »

fell-like-rain

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #1 on: August 08, 2023, 05:42:38 PM »
There's certainly a lot to unpack here. The tithing is an interesting choice, as you're (presumably) neither a farmer, nor living in Eretz Yisrael, nor in any way obligated under the Mosaic covenant. But I doubt I'm going to shift you on that one. There's also the question of why there's an abandoned chronically ill child living in your house, unless you're using the word "girl" to mean "adult woman". That situation would still raise some questions for me, but I imagine it's also not a productive line of inquiry. So we'll focus elsewhere.

To answer your actual ask, yeah, you should enough to retire at 65. If you have $400k invested, theoretically doubling each decade for three decades, that comes to $3.2 million, which would let you withdraw ~$130k annually. Without the mortgage or child support, that'd be plenty to fund your lifestyle. But without a better sense of your situation, it's harder to say more specifically than that. When will your mortgage be paid off? What are your plans regarding your kids and college? What is the breakdown of your nearly-$40k "rest of budget"? When you retire, do you plan to be a household of one, or be supporting someone else's subsistence and medical care? Are you tithing 30% of your investment income, or some other amount, or none? Answers to some of these would help people get a better view of the financial situation here.

Morning Glory

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #2 on: August 08, 2023, 09:14:39 PM »
That 3200 per month "rest of budget" deserves some scrutiny as it's almost as much as the total budget including housing for a lot of families on here,  and it sounds like its just you plus the kids half time and this extra person.

With as much as you are giving to your church they should be able to help find a more permanent situation for your house guest. Maybe they can help her fill out forms to get disability or whatever. 

PS I applaud you for giving so much between the church tithe and supporting a member of your community to keep them off the street.  I hope she can find a way to get back on her feet.
If the church isn't any help then maybe you could "tithe" to an organization that provides housing to unsheltered folks and they could take this lady off your hands.

bobsmiley

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #3 on: August 08, 2023, 11:14:56 PM »
Hey thanks for the fast responses.

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That 3200 per month "rest of budget" deserves some scrutiny as it's almost as much as the total budget including housing for a lot of families on here,  and it sounds like its just you plus the kids half time and this extra person.

With as much as you are giving to your church they should be able to help find a more permanent situation for your house guest. Maybe they can help her fill out forms to get disability or whatever. 

PS I applaud you for giving so much between the church tithe and supporting a member of your community to keep them off the street.  I hope she can find a way to get back on her feet.
If the church isn't any help then maybe you could "tithe" to an organization that provides housing to unsheltered folks and they could take this lady off your hands.

I've updated the original post with my full budget numbers. Though I haven't actually kept a budget in years so I couldn't tell you how accurate those numbers are. It's mainly based on gut feeling. My approach is to instead look at my savings and then work backwards at this point in my life. I've definitely let the financial side of my life go as my income has increased.

Food is high - we eat farm meat which is significantly more and am working to move more in this direction. I know I need to cut down on restaurants. Please give me the gut punches I likely need them though that wasn't necessarily why I posted haha.

My tithe does not go to a church. I put it towards the poor as I see need or towards charities that help the poor. I currently don't belong to an established church.

Part of the disability with this woman (she's 30 years old) is that she is allergic to mold. Finding housing for her is challenging - I've been walking alongside her in that way for about 5 years now. She moves every 6 months or so but only has been living with me for the past month. My current plan is to find her a van or bus or the like to move into. Metal walls should be very good for her alongside the ability to drive to a clean location when she sees fit. If you see opportunities I'm missing please point them out. I don't think she could move into a house that is the typical "subsidized" or "free" housing option. She is on disability already - she gets $800 / mo from that.

As an aside, one of the things I've learned through this is how terrible our disability system is. If you're on disability any income you make is reported and deducted from that amount. Also they don't let you have any kind of savings. If you have money in your account when it comes time to get your check they will not pay you. I get that it helps abusing the system but it also keeps the poor poor sadly.

Quote
There's certainly a lot to unpack here. The tithing is an interesting choice, as you're (presumably) neither a farmer, nor living in Eretz Yisrael, nor in any way obligated under the Mosaic covenant. But I doubt I'm going to shift you on that one. There's also the question of why there's an abandoned chronically ill child living in your house, unless you're using the word "girl" to mean "adult woman". That situation would still raise some questions for me, but I imagine it's also not a productive line of inquiry. So we'll focus elsewhere.

To answer your actual ask, yeah, you should enough to retire at 65. If you have $400k invested, theoretically doubling each decade for three decades, that comes to $3.2 million, which would let you withdraw ~$130k annually. Without the mortgage or child support, that'd be plenty to fund your lifestyle. But without a better sense of your situation, it's harder to say more specifically than that. When will your mortgage be paid off? What are your plans regarding your kids and college? What is the breakdown of your nearly-$40k "rest of budget"? When you retire, do you plan to be a household of one, or be supporting someone else's subsistence and medical care? Are you tithing 30% of your investment income, or some other amount, or none? Answers to some of these would help people get a better view of the financial situation here.

You're right you're not going to convince me that the tithe is only for farmers or that the Mosaic covenant is done away with :) If you're interested as to why I'm happy to talk about it. I am a Torah obedient Christian as Christ and His disciples all were (including Paul). He states Torah is applicable and important in Matthew 5:17 - 20. Also He states we should tithe in Matthew 23:23 explicitly and He was not talking to farmers. Please don't hear this as a complaint in anyway I'm pleased to have His direction in my life. I know I'm an anomaly with this but hopefully that gives you a small perspective of where I'm coming from.

I'm surprised to hear that my money is expected to grow into $3.2 million *wow*. That's hard to believe.

When will your mortgage be paid off? I'm not sure. Currently this isn't a focus of mine as it's such a great interest loan and there are other fish to fry. I think it's likely I'll get married and move before paying off this mortgage. I've been dating a woman for about 18 months now. She has no debt / no kids of her own.

What are your plans regarding your kids and college? I plan to pay for half their college expenses whatever they end up being. I haven't saved anything here yet. I personally ended up with $130k in student loan debt between my ex wife and I and that was a lot of our problems in marriage. So I'm aware first hand of the dangers of student loan debt. I got a music degree too. Woof.

What is the breakdown of your nearly-$40k "rest of budget"?  I've updated the original post for you.

When you retire, do you plan to be a household of one, or be supporting someone else's subsistence and medical care?  I think I'll be a family of at least 2 and I'm not opposed to having more kids. That could be in my future. I'm pro kid.

Are you tithing 30% of your investment income, or some other amount, or none? I'm tithing 23.3% of my income. I subtract taxes and child support first, but I include pre/post tax investments as income.

the_hobbitish

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #4 on: August 09, 2023, 06:58:36 AM »
Start tracking your spending. One way to get rid of that amorphous feeling of not having enough is to know for sure. It's the only way you'll actually know if you're on track to fund college or switch careers.

Your groceries plus restaurants spending is face punch worthy and low hanging fruit to fix. I applaud getting meat from better sources, but it doesn't have to be crazy expensive. I live in a VHCOL area and bought a quarter cow for about $7/lb with a mix of steaks, roasts, and ground meat. It would've been cheaper for a full or half cow, but I don't eat that much and ran out of freezer space. I bet with a little research you can find a local farm that does direct to consumer.

I'd be wary of the van option. Unless you're buying something like a class B RV then insulation/heat and bathroom facilities are an issue. As are gas costs and finding somewhere to park. Any water incursion and you're right back to mold issues. It doesn't seem like a long-term path to helping this woman get on her feet and become independent. My mother has a chronic mold problem and lived in apartments for about a year and a half while my parents fixed the problem with their primary home. She had apartments mold tested and was able to find something even in their humid rural area. I understand affordable housing is hard to find and mold testing would require extra effort and test costs, but helping her achieve that seems like a better long-term solution for her than keeping her reliant on you unless you intend to provide for her care permanently.

zolotiyeruki

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #5 on: August 09, 2023, 08:52:10 AM »
Start tracking your spending. One way to get rid of that amorphous feeling of not having enough is to know for sure. It's the only way you'll actually know if you're on track to fund college or switch careers.
This.  Step 1 is to gather accurate data.  Without accurate data, you'll be throwing spaghetti at the wall and hoping it sticks.  Take a few minutes each week to look at your various accounts, and get it all categorized so you can see where it's all going.  That will not only give you a better feel for your current financial situation, but also help you more accurately project your spending in retirement.

Yes, your monthly spending is atrocious.  Your food spending is the biggest, lowest-hanging fruit.

WRT your houseguest.  I'm no expert, but this thought occurred to me: Would relocation to a more arid climate be a viable long-term option for her?  What about a tiny house designed and built specifically to accommodate her needs?  I find it curious that she moves every six months--if she finds a location that doesn't trigger her mold sensitivities, why doesn't she stay there?

Where to put your money? You may find the Investment Order sticky to be helpful.  If you don't plan to retire early, then maxing out your pre-tax contributions first is a good option--with your high income, your tax rate in retirement is likely to be far, far lower than your current rate.  You'll still have plenty left over to invest elsewhere, and since your income disqualifies you from deducting traditional IRA contributions and Roth contributions, funding a backdoor Roth and then funneling the rest into a taxable brokerage account seem like the logical next steps.

You mention having a vague uneasy feeling about your money, that you don't have enough.  It may be helpful to take some time to examine your feelings, break them down, and drill down until you can point at the specific root of this feeling.  If you're worried about not having enough, what is it not enough for?.  Is there an expense you fear you will not be able to cover?  A retirement milestone you won't hit?  Is it not having enough at 65 to cover your expenses (don't forget SS!)?

On a broader note, it helps me to think of money as a tool, and a rather versatile one at that.  That's all it is.  It's not inherently good or evil.  You may not consider your job as being world-impacting, and the work you do may certainly not fall into that category.  However, the money you receive from the work you do *can* be world-impacting.  The assistance your income allows you to grant this woman is certainly world-impacting for her.  Not many of us will find ourselves in the position of creating a massive charitable foundation that will have global impact, but we all can make an impact in the sphere where we have control.

You may not be motivated by early retirement right now.  However, that may change as you get older, and by saving and investing now, that option will be more easily available.  And FIRE doesn't necessarily mean you're sipping mimosas on the beach.  It means you get to choose how to spend your time, whether that's volunteering, or taking a job that feels more impactful, or continuing at your crazy-high-paid job so you can donate gobs of money to charity, or indeed sipping those mimosas.

wageslave23

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #6 on: August 09, 2023, 01:48:39 PM »
A couple of thoughts.

1. The tithing amount is admittedly unique. I'd make damn sure that you are correct in your interpretation. It will be the difference in millions of dollars over the course of your life. For me personally it would be worth spending a couple hundred hours of personal research from multiple sources to make sure I have an accurate interpretation.

2. If the house guest is allergic to mold, which is a common allergy, how are they able to live in your house? But not any other housing?  Seems like hypochondria to me. There is mold everywhere in nature and a mold test would give an unbiased evaluation of any potential new housing.  If it legitimately is a mold allergy that is causing symptoms, then I'd think somewhere like Phoenix would be the answer.

3. I'd not count on 7% real returns going forward as another poster suggested.  You can use firecalc.com to plug in your numbers.

4. You need to get a better handle on yours expenses so you can plan effectively.

MDM

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #7 on: August 09, 2023, 06:48:57 PM »
As noted in How To: Write a "Case Study" Topic (see that for more information), the case study spreadsheet (see Case Study Spreadsheet updates for a link to the latest version) can be downloaded and used to help organize your case study posting.

For example, if you enter your numbers, does the result in Calculations!D144 match what you actually do put into taxable investments?

Must_ache

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #8 on: August 15, 2023, 10:08:11 AM »
>I'm a Christian and after studying the tithe have determined there are three tithes, the third to be paid every 3 years.

I'm also a Christian and it is good to be a generous giver.  And you are correct that the traditional wisdom of 10% ignores the true complexities about tithing in the old testament.

BUT:

Exception: In Genesis 14:20 Abraham did give a tenth of all to Melchizedek.
Otherwise, it only applied to agriculture.  Leviticus 27:30 "A tithe of everything from the land, whether grain from the soil or fruit from the trees, belongs to the LORD; it is hold to the LORD."
and was used to sustain the Levites who had their specific functions within the tribes of Israel (Numbers 18:24)  So your contributions do not match up with the old testament command even if they are of the same percentage.

We are not under the law anymore.  We can eat shellfish.  We don't need to sacrifice animals.  Some things we should still not do.  That being said it is clear that we should give to support God's work.  Nowhere in the new testament does it say 10%.  I suggest to reread 2 Corinthians 8 and 9 for a better perspective.  Paul says in 9:7, "Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver."  Why didn't Paul say 10%?  Because it could be more or less.  I don't give anywhere near 10% to my church, but I do give more to other sources: a friend who is a missionary in China, EMCI.tv (French evangelistic TV), Meals programs.

I appreciate that you want to be faithful to God's laws, but God gives us a chance to do better than the laws.    Don't just give the 10% blindly and find out it was not used for ministry but instead built a shopping mall and bailed out a struggling insurance venture (try Googling that).

>Are you tithing 30% of your investment income, or some other amount, or none? I'm tithing 23.3% of my income. I subtract taxes and child support first, but I include pre/post tax investments as income.
As long as we are being pedantic about what is tithing, I don't remember these pre-tithe deductions in the old testament...

>My tithe does not go to a church. I put it towards the poor as I see need or towards charities that help the poor. I currently don't belong to an established church.
God's word clearly instructs believers to be part of a body/church and to meet regularly.

>Torah obedient Christian as Christ and His disciples all were (including Paul).
Got a verse for that?  Paul says in Colossians 2:16 "Therefore do not let anyone judge you by what you eat or drink, or with regard to a religious festival, a new Moon celebration or a Sabbath day.  These things are a shadow of the things that were to come; the reality, however, is found in Christ."  See also Peter's vision in Acts 10:9-16, the law had requirements relating to food and but those laws were insufficient and eventually expired.  Noone apart from Jesus was able to keep the law, and if you break one you're guilty of breaking them all.  (James 2:10)  Nobody apart from Jesus could claim success at truly obeying the Torah.

>He states Torah is applicable and important in Matthew 5:17 - 20.  He states we should tithe in Matthew 23:23 explicitly and He was not talking to farmers.
This was all pre-crucifixion, after which God's covenant changed (1 Corinthians 12:25)
« Last Edit: August 15, 2023, 01:01:16 PM by Must_ache »

Midwest_Handlebar

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #9 on: August 15, 2023, 04:53:15 PM »

Miscellaneous
$100 travel
$100 baby sitter
$50 allowances
$300 blow
$0 phone (work pays for this)


I know cocaine has gotten expensive, but have you tried other drugs? Shake and bake methamphetamine is far more affordable.
« Last Edit: August 15, 2023, 04:55:11 PM by Midwest_Handlebar »

Villanelle

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #10 on: August 15, 2023, 05:06:10 PM »
I agree that a van is not likely to be a long-term solution or advantage for this person.  Could you assist her with moving to somewhere dry, like the southwest?  Not a lot of mold in the Nevada desert, for example.  Paying her moving expenses and even a downpayment on a studio apartment would probably be about the same as buying a van, but a more likely path to stability.  A van with no gas and which requires maintenance, finding places to legally park, and bathrooms (and maybe showers) doesn't seem like the best approach.


bobsmiley

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #11 on: August 17, 2023, 09:55:27 AM »
NOTICE: I'm going to address the Bible things in this post. If you're aren't interested in that you can skip no offense taken.
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"It is the glory of God to conceal a thing, but the honor of kings is to search out a matter." - Proverbs 25:2

I know I have an unusual perspective but as a doer of God's ways, I've found so much more meaning and purpose in being a Christian than what the church typically teaches. I highly recommend you search out the truth on this matter. The Bible is actually very clear on this...minus Paul. Paul unfortunately is often misquoted. It's notable that all the verses you're quoting are from his letters.

It's easy to take Paul's passages and twist them to mean something they don't. If you're really interested in knowing the truth I'd recommend setting him aside and layering him on top of what the rest of the Bible clearly establishes. Most Christians do the opposite and take his letters as more important then the gospels themselves.

2nd Peter 3 warns us of this

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just as also our beloved brother Paul, according to the wisdom given him, wrote to you, as also in all his letters, speaking in them of these things, in which are some things hard to understand, which the untaught and unstable distort, as they do also the rest of the Scriptures, to their own destruction.

I'm pleased that you are questioning my logic please keep doing so. I ask that you also question your own as we have this discussion or we won't get far. If I can attempt to graciously address some of your other points:

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Colossians 2:16 "Therefore do not let anyone judge you by what you eat or drink, or with regard to a religious festival, a new Moon celebration or a Sabbath day.  These things are a shadow of the things that were to come; the reality, however, is found in Christ." 

The context of this passage is the exact opposite of saying these are done away with. The Colossians church was under high scrutiny for keeping the festivals and Sabbath by the ascetic Jews around them. They had built regulations on top of regulations on top of...well you get it. So when seeing these filthy Gentiles attempt to keep God's feasts / sabbath they got upset. This should sound familiar as that's exactly what the Pharisees did.

You don't have to go far to see this. Towards the end of that chapter it says "Such regulations indeed have an appearance of wisdom, with their self-imposed worship, their false humility and their harsh treatment of the body, but they lack any value in restraining sensual indulgence." - Colossians 2:23

So what Paul is saying that they shouldn't worry about other's opinions of how they keep these things or what they eat. That does not mean don't worry about what God thinks. That's very different. Keep in mind that the Sabbath is one of the ten commandments. The longest of them. And God explicitly calls His people out as profaning Sabbath throughout scripture. Paul does not have the authority to simply state "don't worry about it". Nor does he have the authority to change any of God's other Laws. If he attempted to that would be sin. 1 John 3:4 defines sin as "Lawlessness" or "transgressors of the Law".

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See also Peter's vision in Acts 10:9-16


Here's a good article on that: https://www.pathofobedience.com/scripture/acts/understanding-peters-vision/

The TLDR: Peter's vision has nothing to do with eating food. It has to do with Gentiles being accepted into the kingdom. This is made clear many ways but one is that Peter did not eat the animals after the dream.

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This was all pre-crucifixion, after which God's covenant changed (1 Corinthians 12:25)

I think you're quoting the wrong verse? 12:25 is talking about a different subject. Could you clarify how that affirms your statement? Assuming that's what it does say in your mind I'll address the idea. Do you really think Christ's sermons are now null and void because it was pre-crucifixion? You would be throwing out about the majority of why He came in the first place. He tells us He came to teach us. Expounding on that logic, that means what He taught was only applicable for a few months. Do you think that when He comes back He will not keep God's Laws anymore? Or is He the same? Unchanging? Sadly the vast majority of the modern church won't even recognize Him when He comes back. Christ warns us about this in Revelation and in Matthew talking about His return.

Be careful of the magnitude of power and authority of which you give Paul. He is not our King.

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Nowhere in the new testament does it say 10%.

In Matthew 23:23 Christ directly addressed the tithe and He was not talking to farmers. The word "tithe" literally means "tenth". When he says "don't neglect the former" he's talking about "tenthing" the mint, dill and cumin. Although you may be applying your other logic and say His words no longer apply post death. I just don't see it that way. Everything Christ taught re-established God's ways. He destroyed the man made religions built around them that twisted and distorted them.

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You have let go of the commands of God and are holding on to human traditions. - Mark 7:8

I get that we can't do it perfectly. I'm not either. But what can we do to get closer to how it's supposed to be? I personally don't look at tax / CS as part of tithe but I do know that others would. To get into why would be a sermon in and of itself and I'll spare you that. At the end of the day we need to love what He loves and hate what He hates.

I also want to extend to you a lot of grace. Many many people (including myself) have been tied up in lies around this subject for a long time. Just recently we're seeing people wake up and look around and see all the lies the church has taught us. We need to get back to Scripture's roots and stand up for the truth. Truth comes with grace.

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God's word clearly instructs believers to be part of a body/church and to meet regularly.

You're right, and I believe it's a command not a choice. However, church means "people" not a specific building. So when I say I don't go to an established church that's what I mean. I do meet with people. However we do not have a structure that would require a tithe. So my tithe goes elsewhere. This is new for me, up until recently I did go to an established church. We even had a fancy full time paid for pastor person.

Ideally, I think we would tithe together and then decide together where that tithe goes.

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The tithing amount is admittedly unique. I'd make damn sure that you are correct in your interpretation. It will be the difference in millions of dollars over the course of your life. For me personally it would be worth spending a couple hundred hours of personal research from multiple sources to make sure I have an accurate interpretation.

I've likely spent a couple hundred hours of studying for exactly that reason haha. It is important to get this right. I've also been working on synthesizing it into a paper of some kind so that I can submit it for peer review. The 2nd tithe (Deut 14:22 - 26) is explicitly meant to spend on yourself during God's feasts. So that 10% goes to me. The other 13.3% goes to others.

Thanks for hearing me out. I'll address non bible stuff in a separate post when I get the opportunity to do so.

smisk

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #12 on: August 24, 2023, 11:23:38 AM »
I don't have anything really productive to add, but what kind of job pays $400k? I'm not sure that I've ever met anyone that makes that much money, even living in a fairly wealthy area, yet it seems like every other week there's someone posting here making that kind of money.

wageslave23

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #13 on: August 24, 2023, 12:51:02 PM »
I don't have anything really productive to add, but what kind of job pays $400k? I'm not sure that I've ever met anyone that makes that much money, even living in a fairly wealthy area, yet it seems like every other week there's someone posting here making that kind of money.

Not the OP, but I see a lot of people's w2s. Basically most Dr's who are in a higher paying specialty.  People in sales. Entrepreneurs who are paying themselves or family members,  and directors and VPs in larger companies. 

bobsmiley

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Re: Reader Case Study - getting a temperature check on where I'm at
« Reply #14 on: September 15, 2023, 08:38:29 AM »
I am a software engineer. I use https://www.levels.fyi to see salary comparisons for myself.