Recruiting Football Talk VIII

[TN-POSSUM]

$70K on a car is too much. Depreciates in value, and will break. Far often earlier than later. Ive always wanted an old 4X4, unfortunately they hold their value.

I see no way of spending $40K on something that will be a money pit.

Fun fact, Americans on average save less than 20% of earnings. Their debt to income ratio is among the highest in World.

Chinese families save over 50%, on average.

Think about that.

Are we entitled?

That's true... we both grew up poor but she went to college and got her a pretty good paying job and I think her work peers influence some of her spending habits. We're "keeping up with the Jones" but she's the one setting the bar.


Story time, with TN-POSSUM

Her dad passed away in 2020 and she got a little bit of money from his belongings in 2021. It was enough for us to pretty much get out of debt but not nearly enough to get out of debt and buy a fancy new car. Our youngest was turning 16 in a few months and we just replaced the AC in her 2013 Honda and we had spent $2k the year before on it. She wanted to get something newer and give the honda to him instead of selling it and getting him something cheaper. I tried my best to get her to lease her "dream car" for a year, just to get it out of her system but you know it is.... A pan of cornbread and some good loving will make a man do stoopid things, like sign for a $70000 vehicle.


*
That sure was some good cornbread.

 

[TN-POSSUM]

I’m glad I wasn’t born in China.

There is moderation with this. My oldest of 4 starts high school next year, and those years will go quickly. I’m going to spend some money for trips and experiences because I won’t get back these years. At some point, I don’t want to be trying to travel to places I want to go when I’m 65+ years old…God willing.

Fun fact about that too. We're heading overseas in June for 2 weeks for that very reason. We're in for at least $20k right now, for the 3 of us to go. My youngest just graduated and we're taking him. It was supposed to be "just him" with the school but it's morphed on me. My wife found out parents were welcome and started "negotiating" with me about getting to go.

*Cornbread was involved this time too.

**I ain't never going to get a 2017 Silverado!

 

[JCVol00]

Hell, take this all day long.

Me too, mainly because Bama continues their downward spiral

 

[DD4ME]

So there's a chance we could beat AR? But also a chance we lose another series with back to back losses? I like our chances.

 

[Jackcrevol]

I’m glad I wasn’t born in China.

There is moderation with this. My oldest of 4 starts high school next year, and those years will go quickly. I’m going to spend some money for trips and experiences because I won’t get back these years. At some point, I don’t want to be trying to travel to places I want to go when I’m 65+ years old…God willing.

yes that would be nice.

have enough delta comp stuff for wife and I to go to london, and car rental convered.

small problem, who watches b the kids?

friend and his wife are fly fishing tellico this weekend. younger grandparents.

every situation is different.

cool story possum. sounds like she had good parents z

 

[JCVol00]

 

[Jackcrevol]

Hell, take this all day long.

No way Texas goes 12-0.

I bet UGA is 12-0. A&M is 8-4.

 

[Jackcrevol]

Hell, take this all day long.

No way Texas goes 12-0.

I bet UGA is 12-0. A&M is 8-4.

Hell, take this all day long.

 

[Devo182]

I’m glad I wasn’t born in China.

There is moderation with this. My oldest of 4 starts high school next year, and those years will go quickly. I’m going to spend some money for trips and experiences because I won’t get back these years. At some point, I don’t want to be trying to travel to places I want to go when I’m 65+ years old…God willing.

Experiences can be very well worth it. That said, great bonding experiences can be very cheap or no cost at all. But I agree there's great value in experiences, I don't spending on them as well.

But depreciating rust buckets that do the same basic task as any other - getting you from point A to point B, reliably and cheaply, I agree with Jack on.

 

[OGbabyaviVol]

So there's a chance we could beat AR? But also a chance we lose another series with back to back losses? I like our chances.

I have a bad feeling we get smoked today. Hope I’m wrong.

 

[Jackcrevol]

I have a bad feeling we get smoked today. Hope I’m wrong.

What makes you think that? (drips with sarcasm).

 

[CABVOL]

A man needs a good truck. But smarter thing would be sell it, get all my debts paid. We have an 89 Silverado that just needs a little tlc.

I guess that’s where entitled comes into play. Sell 2500, be debt free soon, and make do with lesser truck, or keep the nicer truck that I hardly ever drive because “what if I need to tow something”.

Get debt free. Take the money you were paying on the house and put into a separate account…you’re used to ‘not having it’. Once you hv saved enough, go pay cash for something newer than the ‘89, but doesn’t hv to be new. Repeat.

 

[VolunteerVandiver]

I have a bad feeling we get smoked today. Hope I’m wrong.

I have the feeling the offense destroys today and Arkansas runs out of pitching by the 4th inning

 

[Orange.]

I have a good feeling we win. But I really care most about the NCAA tournament.

 

[TN-POSSUM]

Get debt free. Take the money you were paying on the house and put into a separate account…you’re used to ‘not having it’. Once you hv saved enough, go pay cash for something newer than the ‘89, but doesn’t hv to be new. Repeat.

We were within months of being totally debt free before we both turned 50 yrs old!

I hate that audi

and I hate how much I love good cornbread.

 

[Orangeburst]

We're were within months of being totally debt free before we both turned 50 yrs old!

I hate that audi and how much I love good cornbread.

my mom had an Audi 5000 decades ago..

who makes a 5 cylinder?

not to mention, it was part of that accelerator issue where people were running their cars through the garage into the pool, thinking they were hitting the brake but instead pushing the accelerator..why they started putting that transmission lock mechanism where you have to press the brake to engage drive on all cars.

 

[Jackcrevol]

my mom had an Audi 5000 decades ago..

who makes a 5 cylinder?

not to mention, it was part of that accelerator issue where people were running their cars through the garage into the pool, thinking they were hitting the brake but instead pushing the accelerator..why they started putting that transmission lock mechanism where you have to press the brake to engage drive on all cars.

Lots of car manufacturers are making these. Ya know, just like they are, but different.

 

[Ten_Titans]

Get debt free. Take the money you were paying on the house and put into a separate account…you’re used to ‘not having it’. Once you hv saved enough, go pay cash for something newer than the ‘89, but doesn’t hv to be new. Repeat.

I just hate this advice lol. It is my biggest Ramseyism pet-peeve.

It is objectively bad advice for most people to pay off their mortgage early. You are turning down compound interest for no financial reason. If the idea of having a mortgage payment causes you to lose sleep and is taking years off your life like it does Dave Ramsey, sure. But if you are just looking to maximize your net worth at age 65 it just doesn't make any sense to do that.

Sell the truck if you can sell the truck. That's easy advice. You're better off putting every dollar of that into retirement accounts than you are to throw it at your mortgage. That 7% or whatever you're paying on your mortgage will pale in comparison to the compound interest of a 20+ year retirement account.

 

[Orangeburst]

Lots of car manufacturers are making these. Ya know, just like they are, but different.

maybe 20-40 years ago.

https://www.caranddriver.com/features/g15087001/five-alive-all-the-notable-cars-we-know-with-five-cylinder-engines/

 

[Jackcrevol]

maybe 20-40 years ago.

https://www.caranddriver.com/features/g15087001/five-alive-all-the-notable-cars-we-know-with-five-cylinder-engines/

Anyway to save a buck.

 

[BigOrangeTrain]

Me too, mainly because Bama continues their downward spiral

I hope they do

 

[Jackcrevol]

That moment when the house is quiet, and there's no yardwork, or boss calling.

 

[TN-POSSUM]

my mom had an Audi 5000 decades ago..

who makes a 5 cylinder?

not to mention, it was part of that accelerator issue where people were running their cars through the garage into the pool, thinking they were hitting the brake but instead pushing the accelerator..why they started putting that transmission lock mechanism where you have to press the brake to engage drive on all cars.

I don't like her Q7 at all. The only time it's really impressed me was driving in the snow, which my wife is afraid to do. . We had to get something repaired on it and Harper's gave us an A8 loaner.... now that was a sweet ride. That was one of the funnest sedans I've ever drove. I really liked it but not enough to own one. Like it's been said, cars are designed to get from point A to point B. I don’t need social media options, paddle shifters, or voice assist to get to work in the morning.

 

[Jackcrevol]

I don't like her Q7 at all. The only time it's really impressed me was driving in the snow, which my wife is afraid to do. . We had to get something repaired on it and Harper's gave us an A8 loaner.... now that was a sweet ride. That was one of the funnest sedans I've ever drove. I really liked it but not enough to own one. Like it's been said, cars are designed to get from point A to point B. I don’t need social media options, paddle shifters, or voice assist to get to work in the morning.

Those arent $70k

$40 is fairly reasonable for a new sedan.

 

[Adam Sandler]

View attachment 742676

It’s not equivalent to Dorkwitz offering his daughter to his qb, but it’s still kinda weird.