Recruiting Football Talk VIII

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! 😭
Go with a 2013 Silverado. Prior to direct injection. Cheaper and more reliable. Win win
 
I drove junkers when I could do no better. I parked on hills so I could roll start. I worked on cars in parking lots. After my wife and young kids got stranded on the side of the road at night and depended on the kindness of strangers, I got a wakeup call. A successful business made better possible. AAA doesn't hurt either.

Dave Ramsey wouldn't approve. Don't care.
 
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 would just fix up the 89 and leave it at that if it were 4wd and 2500. Although since I don’t race anymore don’t guess I need something that can pull an enclosed trailer.

Definitely selling the truck is the smart move financially. However, I could get $15-17,000 out of it. If I replace it with something comparable but newer in a few years it would cost $35-40,000
 
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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.
2.85% on mortgage
 
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I drove junkers when I could do no better. I parked on hills so I could roll start. I worked on cars in parking lots. After my wife and young kids got stranded on the side of the road at night and depended on the kindness of strangers, I got a wakeup call. A successful business made better possible. AAA doesn't hurt either.

Dave Ramsey wouldn't approve. Don't care.
Haha I put a starter on a car right in front of the front door of an Exxon one time. Alternator in a gas station parking lot on another car. I used to have a long commute to work and always drove junkers because I was putting over 50,000 miles a year on them.

Driving unreliable vehicles gets really old though
 
Haha I put a starter on a car right in front of the front door of an Exxon one time. Alternator in a gas station parking lot on another car. I used to have a long commute to work and always drove junkers because I was putting over 50,000 miles a year on them.

Driving unreliable vehicles gets really old though
Starter in a grocery store lot. Thermostat too, don't recall the location. If I had a high miles job, I'd have a reliable older car for that. Mama don't drive that though.

As it is, I put about 10k on my truck. They trade nicely every 3 years or so. I did swallow pretty hard when I realized my current truck ('24 Denali Ultimate) cost literally 2x what my first house did. Might keep this one 5 years.
 
Starter in a grocery store lot. Thermostat too, don't recall the location. If I had a high miles job, I'd have a reliable older car for that. Mama don't drive that though.

As it is, I put about 10k on my truck. They trade nicely every 3 years or so. I did swallow pretty hard when I realized my current truck ('24 Denali Ultimate) cost literally 2x what my first house did. Might keep this one 5 years.
If a 2024 Denali Ultimate is what you drive now then we are definitely shopping on different ends of the car lot from each other.



"Apparently you haven't shopped for trucks lately. My most recent truck was $20k more more than my wife's X4 M40i." said by you to me earlier. A 2024 Denali is more than "just a truck" like I was talking about.

🍎🍎 to 🍊🍊
 
I have a 2015 Jeep Patriot that was about $16,000 brand new I still have. I can’t imagine dropping 70K on a car unless I absolutely needed it for, say, work. Cars these days have so many bells and whistles that I’m not sure are necessary and are just another thing to break and get fixed for $800 (why is it always 800?)
 
I drove junkers when I could do no better. I parked on hills so I could roll start. I worked on cars in parking lots. After my wife and young kids got stranded on the side of the road at night and depended on the kindness of strangers, I got a wakeup call. A successful business made better possible. AAA doesn't hurt either.

Dave Ramsey wouldn't approve. Don't care.
There's a happy middle ground between a luxury car and an unreliable one lol. Like a 5 used Toyota.
 
cool story possum. sounds like she had good parents z
Well.... about that. Her dad left her mom/brother when she was 5 yrs old. He never paid child support and rarely ever saw them. I knew she was never going to save that money. I think this was her way of "getting back at him" for not being in her life. Her brother must of felt the same way because he bought a new Gladiator that same month. They're both smart people but logic wasn't in play with this situation. "Rednecks with money" was what I was calling them. They were both acting like they struck it big on scratch offs.
 
I didnt add the part that to me, spending over $20k on a car is too much. Id never spend $30K, unless market demands it.
Oh, ok. Yep, those "luxury options" add up quick. I never thought I'd ever spend that kind of money on a vehicle.

I got bamboozled before I ever got in to the car lot. Like I said, that was some dang good cornbread. 😎
 
It is pretty much inevitable that the team would fall back this year...we just lost WAY too much offensive production and pitching to have a great team this year.

I have to say though, the first few weeks of the season had me hoping I was wrong, and I thought maybe Tony had somehow put another elite team together...but alas...Baseball showed it's cruel hand and brought it crashing back to earth..😖

I do however believe this team is actually better than they have shown the last month...we are a good team either way, but I think we could ge a really good team if the guys would just out of their heads.

This program as a whole has forgotten what it is like to struggle..to slump at the plate, on the mound and in the field...and all those things have weirdly happened to a lot of the team, and so it becomes a cascade failure....I've seen tons of good teams go in month long funks, but I've seen them flip a switch and right themselves literally overnight too.

It wouldn't surprise me for us to get knocked out the first week...but it really wouldn't surprise me for them to have one of those crazy couple of games where things just start clicking again for multiple players, and suddenly turns it around and go deep in the postseason either.

Tony will put more great teams on the field...I just don't know if he could ever put a historically great team like we've had in 2 of the previous 3 years out there again.

We have a ton of baseball newbs that don't understand how special those teams really were....just absolutely brutal lineups and staffs.

They are called "Historically Great" for a reason...they don't come around that often.
Really good post, Brother
 
If anyone has that gif of the girl vol fan rolling her arms in a celebration in Neyland, would you send it to me. I want to show it to wifey but I can’t find it. Thanks.
 
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! 😭
My daughter is going with school. It’s an EF trip. You may be going with her.
 
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. 🤣
Lol at least you own it. My wife is the opposite. I tried to suggest she trade in her 2005 saturn ion and she said I'd better never say those words again if I ever want "cornbread."
 

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