Life sucks- Debt free, new car, 1yr expenses in bank

[hg321]

Originally posted by: Metron

Originally posted by: JEDI
-no credit card debt
-a house
-new car (2005) fully paid
-education loans fully paid
-1 years expenses in the bank

A million people would kill to be in my shoes.

Yet i feel like i'm just spinning my wheels in life

Go find yourself a high maintenance woman with a taste for expensive shoes, Italian lingerie, and designer clothes. She'll take care of your financial situation.

then when she divorces you and takes half of everything you worked for you will appreciate what you had

 

[Descartes]

It seems your first problem might be defining your life by being debt free, having a new car, and having expenses in the bank. Surely there are other attributes that take precedence?

Find something new to punctuate your life and you might find the days more meaningful.

 

[Descartes]

Originally posted by: AbAbber2k

Originally posted by: Mike

Originally posted by: AbAbber2k
Let me guess, you went to college and majored in whatever you thought would make you the most money and now you realize you should have done something you were actually passionate about? You lose.

Hardly, a career path is about options later in life. Becuase he is well off, he will have more time to spend with his wife/kids, travel the world. That's where the "fun" is, not working in some "dream" job.

Ya, and your kids won't give a sh1t about when you retire early after never seeing their face because you were to worried about the numbers on your pay check.

Sorry, but you're an idiot if you think working at some suck-ass job only because it pays more is better than taking a slightly lower pay grade to do something you enjoy. This isn't a question of "Do you want 1 Million dollars OR would you rather I gave you a Cheese Burger and let you play on the Jungle Gym! WEEEEE!!!" Hell ya I want the 1 mil. But would I take a $10k a year cut to do something I enjoyed that was less stressful and provided a better working environment? You're fvcking right I would. Assuming I wasn't making sh1t money to start. If you want to waste your life away working rediculous hours just so you can retire early.... be my guest. I might be making a few k less than you, but I'm going to be healthier and happier because I'm not grinding out the hours so I can "enjoy life later." Fvck that.

10k? Pfft. The decision to retire early doesn't come with 10k a year difference! Who the hell would waste their time earning an extra measly $10k/yr?

 

[AbAbber2k]

Originally posted by: LordSnailz
I think anyone would agree that $10k is not worth taking a job you don't like. But for most people taking a job they like vs one that pays is a lot more than $10k, I think it'll be more around $30k ... that is what makes the decision harder.

My point though is that most people don't enjoy such a pay grade disparity when job hunting (unless you consider moving to a higher paying region as an option). And chances are the disparity will get bigger as your pay grade increases, so eventually you get to a point where it COULD be worth $30k. 30 and 60 is a big difference. But personally, if I'm swining near the $100k mark (and I'm not yet) I would give up 20-30 just to have a more laid back work schedule... drop a couple hours off my day (or the weekend) so that I can enjoy my evenings and not feel like, when I get home, well sh1t I barely have time to pay the bills with the hordes of money I'm raking in. Maybe that's just because of my personal philosophy though.

 

[Descartes]

Originally posted by: AbAbber2k

Originally posted by: LordSnailz
I think anyone would agree that $10k is not worth taking a job you don't like. But for most people taking a job they like vs one that pays is a lot more than $10k, I think it'll be more around $30k ... that is what makes the decision harder.

My point though is that most people don't enjoy such a pay grade disparity when job hunting (unless you consider moving to a higher paying region as an option). And chances are the disparity will get bigger as your pay grade increases, so eventually you get to a point where it COULD be worth $30k. 30 and 60 is a big difference. But personally, if I'm swining near the $100k mark (and I'm not yet) I would give up 20-30 just to have a more laid back work schedule... drop a couple hours off my day (or the weekend) so that I can enjoy my evenings and not feel like, when I get home, well sh1t I barely have time to pay the bills with the hordes of money I'm raking in. Maybe that's just because of my personal philosophy though.

Get to the $100k mark and then say that. I guarantee you that you won't.

For a lot of people, myself included, working harder now simply affords me more choices. That doesn't mean necessarily retire early, but that does mean the option to do whatever I want. There's a lot more freedom in choosing a profession when it doesn't limit your financial prospects. If I want to quit my industry in a few years and take a low paying job doing something I enjoy I'm still retiring early. By your logic you'll be grinding it out in a semi-casual job until you're near death. To me that's not freedom.

 

[Metron]

Originally posted by: hg321
then when she divorces you and takes half of everything you worked for you will appreciate what you had

Precisely! You must have read my post at the end of the Why are Divorces So Expensive? thread. LOL :shocked:

 

[AbAbber2k]

Originally posted by: Descartes

Originally posted by: AbAbber2k

Originally posted by: LordSnailz
I think anyone would agree that $10k is not worth taking a job you don't like. But for most people taking a job they like vs one that pays is a lot more than $10k, I think it'll be more around $30k ... that is what makes the decision harder.

My point though is that most people don't enjoy such a pay grade disparity when job hunting (unless you consider moving to a higher paying region as an option). And chances are the disparity will get bigger as your pay grade increases, so eventually you get to a point where it COULD be worth $30k. 30 and 60 is a big difference. But personally, if I'm swining near the $100k mark (and I'm not yet) I would give up 20-30 just to have a more laid back work schedule... drop a couple hours off my day (or the weekend) so that I can enjoy my evenings and not feel like, when I get home, well sh1t I barely have time to pay the bills with the hordes of money I'm raking in. Maybe that's just because of my personal philosophy though.

Get to the $100k mark and then say that. I guarantee you that you won't.

For a lot of people, myself included, working harder now simply affords me more choices. That doesn't mean necessarily retire early, but that does mean the option to do whatever I want. There's a lot more freedom in choosing a profession when it doesn't limit your financial prospects. If I want to quit my industry in a few years and take a low paying job doing something I enjoy I'm still retiring early. By your logic you'll be grinding it out in a semi-casual job until you're near death. To me that's not freedom.

Maybe I just see things differently due to my career choices and whatnot. 100k is a lot of money for me, but as it applies to my future, it's not the least bit improbable that I will be making something like that by the time I'm say, 30 to 35, just to make a rough estimate. The thing is, I'm already doing what I love and I don't see that changing any time soon. I may try different things within my general field, maybe put some money into my own business, but in the end, I'll be for the most part working a very comfortable schedule (granted running a business is no easy task), doing something I enjoy and I probably won't retire early, mostly by choice. I dunno, I'm not in the IT field or anything even closely related, so maybe I just have a very different, as I said before, philosophy than most of the people here.

 

[Accipiter22]

<------- Has 2005 car, 40,000 in school debt, still no degree, rents an aparment, and apparently releases fat-girl attracting pheramone.



Yet I'm estatic just to be alive most days. It's not about what you have, but how you live. Everything I do, I do it with the notion that whatever it is, when it's done, is going to be a hell of a story. I have probably 500 'remember that time...' stories

 

[cougar78]

Originally posted by: daveymark
go volunteer at a soup kitchen, you ungrateful bastard

Couldn't say it better.

 

[hondAS2ooo170]

WAnt to get high?

 

[Skunkwourk]

Originally posted by: Accipiter22
<------- Has 2005 car, 40,000 in school debt, still no degree, rents an aparment, and apparently releases fat-girl attracting pheramone.



Yet I'm estatic just to be alive most days. It's not about what you have, but how you live. Everything I do, I do it with the notion that whatever it is, when it's done, is going to be a hell of a story. I have probably 500 'remember that time...' stories

my condolences :beer: 40k in debt, are you taking 5 years?

 

[pontifex]

Originally posted by: TallBill
Because you are trying to get happyness out of a "New car" and "money". I'd kill to not be in your shoes.

Money can help assist the quality of life, but dont rely on it.

qft

i'd love to not have any debts.

go out and find a hobby. there must be something you want to do.

my life sucks - lots of debt, no social life, i haven't done anything exciting and its killing me.

 

[rudder]

go do some charity work on Africa or Haiti or somewhere along those lines. Do it for a few months. I guaruntee when you are done you will never feel despondent about your place in life again.

 

[classy]

Originally posted by: TheSlamma

Originally posted by: classy

Originally posted by: TheSlamma
I know what you mean JEDI

I got 2 cars both paid for, house I owe $91K on (appraised at $249,000)

No credit card debt, no loans, good paying job.

I am a horrible American!!!

Edit: Also tomorrow I meet with the doc to schedule my Vasectomy, and my fiance is very supportive of it as she doesn't want kids either!!! woot!!!

How old are you?

38

Dude that is young to get cut. You should wait, especially if your getting married, you never know, you two may want a kid. No offense, but at your age I think your making a mistake.

 

[UNCjigga]

1. Woman
2. Marriage
3. Family

You need to get those (preferrably in that order)....and THEN you will realize life REALLY sucks and you'll wish you're back where you're at now!!!

 

[PrinceofWands]

Originally posted by: LordSnailz

Originally posted by: AbAbber2k

Originally posted by: Mike

Originally posted by: AbAbber2k
Let me guess, you went to college and majored in whatever you thought would make you the most money and now you realize you should have done something you were actually passionate about? You lose.

Hardly, a career path is about options later in life. Becuase he is well off, he will have more time to spend with his wife/kids, travel the world. That's where the "fun" is, not working in some "dream" job.

Ya, and your kids won't give a sh1t about when you retire early after never seeing their face because you were to worried about the numbers on your pay check.

Sorry, but you're an idiot if you think working at some suck-ass job only because it pays more is better than taking a slightly lower pay grade to do something you enjoy. This isn't a question of "Do you want 1 Million dollars OR would you rather I gave you a Cheese Burger and let you play on the Jungle Gym! WEEEEE!!!" Hell ya I want the 1 mil. But would I take a $10k a year cut to do something I enjoyed that was less stressful and provided a better working environment? You're fvcking right I would. Assuming I wasn't making sh1t money to start. If you want to waste your life away working rediculous hours just so you can retire early.... be my guest. I might be making a few k less than you, but I'm going to be healthier and happier because I'm not grinding out the hours so I can "enjoy life later." Fvck that.

I think anyone would agree that $10k is not worth taking a job you don't like. But for most people taking a job they like vs one that pays is a lot more than $10k, I think it'll be more around $30k ... that is what makes the decision harder.

Nope.

I mean, if I need a job to eat, then I take whatever I can get. But as soon as I find a job that's 'right', I move to it. I would NEVER be in a job I didn't agree with. Money is irrelevant, only happiness matters - and that requires one to be true to themselves.

 

[RaDragon]

Go run a marathon. Then after that, start training for a Triathlon (start with sprint tris and then work your way up).

 

[SampSon]

Go do something. You're living the life of a bored American slave.

 

[AMDZen]

I'm actually right with you OP.

No debt
Own a house
Own my car
Have lots of money in my 401k and ING accounts
Also money in bank

And yet I feel empty.

I know how it is. And I agree with people here. You (and I) need to go out and get a decent gf. And travel is another good option.

Unfortunetely (for me) I'm not too much of a social person and I don't like going out very often. So I don't meet new people. And as for the traveling, well that would be fine if I had someone to travel with. Its not that I don't have friends, I do - they just aren't as financially stable as I am and couldn't afford to travel with me. At my age (25) its expected really, all my friends are in debt from school or the like. So I've decided I need to make new friends, hopefully friends with some cash so I could travel with them. Except that I don't go out enough to meet people like that, nor am I the type of person that would just UP and travel with anyone. I would want to know the people I travel with. Its like a Catch22.

 

[JS80]

Start a business. Sounds like you can take some risk-taking to make your life more interesting.

 

[GasX]

You have done a good job of satisfying the needs of the first two levels of Maslow's Hierarchy Of Needs. It is time for you to find love and esteem and get on the way to true self-fulfillment.

If anyone is not familiar with this theory, it basically states that you can't focus on a higher level until your current one is addressed. If you are alone in the desert, water is the ONLY thing that concerns you. If you find water, then you need food. If you have food and water, then you can sort out shelter. If you have water, food and shelter, you can start to look for companionship... There is a whole chain of needs that have to be satisfied in order. Even if you have all of them addressed, you can skip a meal and become obsessed with food again...

 

[TheSlamma]

Originally posted by: classy

Originally posted by: TheSlamma

Originally posted by: classy

Originally posted by: TheSlamma
I know what you mean JEDI

I got 2 cars both paid for, house I owe $91K on (appraised at $249,000)

No credit card debt, no loans, good paying job.

I am a horrible American!!!

Edit: Also tomorrow I meet with the doc to schedule my Vasectomy, and my fiance is very supportive of it as she doesn't want kids either!!! woot!!!

How old are you?

38

Dude that is young to get cut. You should wait, especially if your getting married, you never know, you two may want a kid. No offense, but at your age I think your making a mistake.

Yah I've given it some pretty long thoughts and we have talked about it, I think she and I would be more inclined to adopt, for most people that's a last resort, but to us we think if we ever feel the want for a kid it could be a first choice for us.

But if we do for some reason change our mind on that this same doctor also does reversal procedures too

 

[imported_Condor]

Its climbing the mountain that is fun, not being on top of it. Find another mountain.

 

[chambersc]

Originally posted by: spidey07
time to go get you a woman

 

[Koing]

Originally posted by: AbAbber2k

Originally posted by: Descartes

Originally posted by: AbAbber2k

Originally posted by: LordSnailz
I think anyone would agree that $10k is not worth taking a job you don't like. But for most people taking a job they like vs one that pays is a lot more than $10k, I think it'll be more around $30k ... that is what makes the decision harder.

My point though is that most people don't enjoy such a pay grade disparity when job hunting (unless you consider moving to a higher paying region as an option). And chances are the disparity will get bigger as your pay grade increases, so eventually you get to a point where it COULD be worth $30k. 30 and 60 is a big difference. But personally, if I'm swining near the $100k mark (and I'm not yet) I would give up 20-30 just to have a more laid back work schedule... drop a couple hours off my day (or the weekend) so that I can enjoy my evenings and not feel like, when I get home, well sh1t I barely have time to pay the bills with the hordes of money I'm raking in. Maybe that's just because of my personal philosophy though.

Get to the $100k mark and then say that. I guarantee you that you won't.

For a lot of people, myself included, working harder now simply affords me more choices. That doesn't mean necessarily retire early, but that does mean the option to do whatever I want. There's a lot more freedom in choosing a profession when it doesn't limit your financial prospects. If I want to quit my industry in a few years and take a low paying job doing something I enjoy I'm still retiring early. By your logic you'll be grinding it out in a semi-casual job until you're near death. To me that's not freedom.

Maybe I just see things differently due to my career choices and whatnot. 100k is a lot of money for me, but as it applies to my future, it's not the least bit improbable that I will be making something like that by the time I'm say, 30 to 35, just to make a rough estimate. The thing is, I'm already doing what I love and I don't see that changing any time soon. I may try different things within my general field, maybe put some money into my own business, but in the end, I'll be for the most part working a very comfortable schedule (granted running a business is no easy task), doing something I enjoy and I probably won't retire early, mostly by choice. I dunno, I'm not in the IT field or anything even closely related, so maybe I just have a very different, as I said before, philosophy than most of the people here.

So what is it that you actually do?

Koing