How much debt do you have including mortgage etc..
Replies
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tinkerhellraiser wrote: »tinkerhellraiser wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid.
wow this is really super not true
life insurance is separate from the estate
without a Will yes you are correct, if you have a will and name that person then it is different
nah life insurance is separate from estate
a will got nothing to do with it
getting off topic on this one. The point was to address what happens to your debt if you die. It doesn't get absorbed unless you died penny less and alone0 -
House paid off. I have one credit card that I actually make money on my getting 1.5% rewards and pay off monthly. The secret to my success has been beginning my retirement saving early and maxing out my 401K & Roth IRA. I have enough left over for whatever I want to do. I have sacrificed though by not having a big expensive home and nice cars both what I consider tax burdens. My wife and I plan to have a second home in Florida when we retire so the sacrifices of lesser home and autos now will pay off later.1
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Interesting topic but here goes... we are not bad off we still owe about 60,000 on our mortgage and other debt is about 3000 on credit cards mainly due to expenses from three yes three weddings in the next 8 months two daughter and one son all getting married1
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Over time, I've learned how to budget & correctly handle money.
Example:
I went to a neighborhood bar last Friday night and then the following Saturday morning I went back there for a conversation with one of the bartenders.
I asked him: "So, last night, did I come in here and spend $500.00 on booze and buying drinks for pretty girls who were obviously way out of my league and then stumbled out of here and went home alone around 2 AM ??"
He replied: "Yes, yes you spent a lot of money on drinks and women."
"Phew... that's good. That $500.... I thought I had wasted it."6 -
tinkerhellraiser wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid.
wow this is really super not true
life insurance is separate from the estate
without a Will yes you are correct, if you have a will and name that person then it is different
nah life insurance is separate from estate
a will got nothing to do with it
getting off topic on this one. The point was to address what happens to your debt if you die. It doesn't get absorbed unless you died penny less and alone
idk idk idk like @JustReadTheInstructions student loan debt will die whenever she shuffle off this mortal coil even if she a millionaire scientist by then
yes true if it was a federal loan and/or if the estate didn't have the funds to cover if a private loan and they are not married in a community property state. So single federal loan... good to go. Question is.. why would someone with a million even have student loan payments?0 -
JustReadTheInstructions wrote: »RunHardBeStrong wrote: »JustReadTheInstructions wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid. On a side note... if you leave no one anything then debts are absorbed and if you have no life insurance you will be buried. They don't just leave you in the street
Just throw me in the trash
Nah, I'mma stuff you and put you in my museum.
That's actually a thing you can do. It's called plastination.
This is very interesting to see on display. I've been to a few exhibits.1 -
JustReadTheInstructions wrote: »RunHardBeStrong wrote: »JustReadTheInstructions wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid. On a side note... if you leave no one anything then debts are absorbed and if you have no life insurance you will be buried. They don't just leave you in the street
Just throw me in the trash
Nah, I'mma stuff you and put you in my museum.
That's actually a thing you can do. It's called plastination.
This is very interesting to see on display. I've been to a few exhibits.
This shouldn't creep me out because it's really just a shell of our existence but this creeped me out to think there's dead people on display somewhere.2 -
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JustReadTheInstructions wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid.
wow this is really super not true
life insurance is separate from the estate
without a Will yes you are correct, if you have a will and name that person then it is different
nah life insurance is separate from estate
a will got nothing to do with it
getting off topic on this one. The point was to address what happens to your debt if you die. It doesn't get absorbed unless you died penny less and alone
idk idk idk like @JustReadTheInstructions student loan debt will die whenever she shuffle off this mortal coil even if she a millionaire scientist by then
yes true if it was a federal loan and/or if the estate didn't have the funds to cover if a private loan and they are not married in a community property state. So single federal loan... good to go. Question is.. why would someone with a million even have student loan payments?
Because they can pry my money from my cold, plastinated hands
And a $2500 write off on student loan interest is something even a millionare can appreciate 4 -
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JustReadTheInstructions wrote: »JustReadTheInstructions wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid.
wow this is really super not true
life insurance is separate from the estate
without a Will yes you are correct, if you have a will and name that person then it is different
nah life insurance is separate from estate
a will got nothing to do with it
getting off topic on this one. The point was to address what happens to your debt if you die. It doesn't get absorbed unless you died penny less and alone
idk idk idk like @JustReadTheInstructions student loan debt will die whenever she shuffle off this mortal coil even if she a millionaire scientist by then
yes true if it was a federal loan and/or if the estate didn't have the funds to cover if a private loan and they are not married in a community property state. So single federal loan... good to go. Question is.. why would someone with a million even have student loan payments?
Because they can pry my money from my cold, plastinated hands
And a $2500 write off on student loan interest is something even a millionare can appreciate
Gotta play the game
.... and stick it to 'The Man'.0 -
Give or take $200,000.0
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mattig89ch wrote: »mattig89ch wrote: »I have more in debt, then I do years on this earth. Though not by much.
I live with my parents, have a single car, and I live in the 3rd most expensive place in the continental USA. I don't even have a large enough nest-egg, to live on if I lost my job tomorrow. NY sucks folks, plain and simple.
What do you do? if I can ask that, oops I just read your answer. I too was in IT in NYC (lived in NJ). IT is def vague. A person could be a print room jockey and still be "in IT". NY is one of the highest paid for IT. NJ has even higher property tax than NY so I left. Retired at 30 and living the dream in Maryland house prices on my street are 600k so theres that
Fair enough. I have 2 degrees with computer networking, and I currently work in a Network Operations Center.
I'm currently applying to IT related positions in TX, TN, Kentucky, Penn., VA, & NC. We'll see if I get any call backs...I'm guessing no. I'm trying to move away from helpdesk related positions, but if they pay 60k a year (or 33 an hour), I'm turning in an application. Helpdesk or no.
Best of luck on your search. Basic BS degree is really all that is necessary, hopefully you are getting your certs that's where your money comes in. Know your field; not sure how old you are or years in but 60k is entry level for sure. At that price you should be moving jobs every 2 years at most. Sadly, gone are the days of moving up within an org. Also gone are the pensions, and employer matched 401ks. My company had both luckily. Young people today need to invest to secure retirement. Without a plan... you plan to fail
Yea, I have like 3 401k's from previous jobs atm. And...like I said in a previous post, every time I try to make a plan, everything goes sideways. So I have no plan/scheme/idea. Just keep on going, and keep applying as needed.0 -
tinkerhellraiser wrote: »Motorsheen wrote: »JustReadTheInstructions wrote: »JustReadTheInstructions wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid.
wow this is really super not true
life insurance is separate from the estate
without a Will yes you are correct, if you have a will and name that person then it is different
nah life insurance is separate from estate
a will got nothing to do with it
getting off topic on this one. The point was to address what happens to your debt if you die. It doesn't get absorbed unless you died penny less and alone
idk idk idk like @JustReadTheInstructions student loan debt will die whenever she shuffle off this mortal coil even if she a millionaire scientist by then
yes true if it was a federal loan and/or if the estate didn't have the funds to cover if a private loan and they are not married in a community property state. So single federal loan... good to go. Question is.. why would someone with a million even have student loan payments?
Because they can pry my money from my cold, plastinated hands
And a $2500 write off on student loan interest is something even a millionare can appreciate
Gotta play the game
.... and stick it to 'The Man'.
gotta get your hands dirty to live outside the box
hands aren't the only things that are getting dirty....0 -
Motorsheen wrote: »tinkerhellraiser wrote: »Motorsheen wrote: »JustReadTheInstructions wrote: »JustReadTheInstructions wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid.
wow this is really super not true
life insurance is separate from the estate
without a Will yes you are correct, if you have a will and name that person then it is different
nah life insurance is separate from estate
a will got nothing to do with it
getting off topic on this one. The point was to address what happens to your debt if you die. It doesn't get absorbed unless you died penny less and alone
idk idk idk like @JustReadTheInstructions student loan debt will die whenever she shuffle off this mortal coil even if she a millionaire scientist by then
yes true if it was a federal loan and/or if the estate didn't have the funds to cover if a private loan and they are not married in a community property state. So single federal loan... good to go. Question is.. why would someone with a million even have student loan payments?
Because they can pry my money from my cold, plastinated hands
And a $2500 write off on student loan interest is something even a millionare can appreciate
Gotta play the game
.... and stick it to 'The Man'.
gotta get your hands dirty to live outside the box
hands aren't the only things that are getting dirty....
Why you sharing my side hustle secrets?1 -
I always joke my retirement party and my funeral will be the same day. Looking into Dave Ramsey.2
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JustReadTheInstructions wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid.
wow this is really super not true
life insurance is separate from the estate
without a Will yes you are correct, if you have a will and name that person then it is different
nah life insurance is separate from estate
a will got nothing to do with it
getting off topic on this one. The point was to address what happens to your debt if you die. It doesn't get absorbed unless you died penny less and alone
idk idk idk like @JustReadTheInstructions student loan debt will die whenever she shuffle off this mortal coil even if she a millionaire scientist by then
yes true if it was a federal loan and/or if the estate didn't have the funds to cover if a private loan and they are not married in a community property state. So single federal loan... good to go. Question is.. why would someone with a million even have student loan payments?
Because they can pry my money from my cold, plastinated hands
And a $2500 write off on student loan interest is something even a millionare can appreciate
excep tunless the law has changed - you can't write off interest from Student Loans unless your income is below 80k...says the poor schmuck who paid $18k in student loans last year and couldn't claim any interest0 -
I don't know that I want to work this out lol0
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tinkerhellraiser wrote: »tinkerhellraiser wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid.
wow this is really super not true
life insurance is separate from the estate
without a Will yes you are correct, if you have a will and name that person then it is different
nah life insurance is separate from estate
a will got nothing to do with it
Unless you are one of the idiots that names your estate as a life insurance beneficiary.2 -
RunHardBeStrong wrote: »JustReadTheInstructions wrote: »RunHardBeStrong wrote: »JustReadTheInstructions wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid. On a side note... if you leave no one anything then debts are absorbed and if you have no life insurance you will be buried. They don't just leave you in the street
Just throw me in the trash
Nah, I'mma stuff you and put you in my museum.
That's actually a thing you can do. It's called plastination.
This is very interesting to see on display. I've been to a few exhibits.
This shouldn't creep me out because it's really just a shell of our existence but this creeped me out to think there's dead people on display somewhere.
Now I'd want to know if there is a fee charged to view these exhibits, and if the estates of the dead folk receive a portion of that, like royalties....0 -
T1DCarnivoreRunner wrote: »tinkerhellraiser wrote: »tinkerhellraiser wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid.
wow this is really super not true
life insurance is separate from the estate
without a Will yes you are correct, if you have a will and name that person then it is different
nah life insurance is separate from estate
a will got nothing to do with it
Unless you are one of the idiots that names your estate as a life insurance beneficiary.
Ah. I had to do that (mandatory employer life insurance) since I have no beneficiaries.0 -
RunHardBeStrong wrote: »JustReadTheInstructions wrote: »RunHardBeStrong wrote: »JustReadTheInstructions wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid. On a side note... if you leave no one anything then debts are absorbed and if you have no life insurance you will be buried. They don't just leave you in the street
Just throw me in the trash
Nah, I'mma stuff you and put you in my museum.
That's actually a thing you can do. It's called plastination.
This is very interesting to see on display. I've been to a few exhibits.
This shouldn't creep me out because it's really just a shell of our existence but this creeped me out to think there's dead people on display somewhere.
The way they are displayed makes it easy to conceptualize them as an art exhibit or like a medical grade anatomy model. If you're up for it, google bodyworlds.RunHardBeStrong wrote: »JustReadTheInstructions wrote: »RunHardBeStrong wrote: »JustReadTheInstructions wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid. On a side note... if you leave no one anything then debts are absorbed and if you have no life insurance you will be buried. They don't just leave you in the street
Just throw me in the trash
Nah, I'mma stuff you and put you in my museum.
That's actually a thing you can do. It's called plastination.
This is very interesting to see on display. I've been to a few exhibits.
This shouldn't creep me out because it's really just a shell of our existence but this creeped me out to think there's dead people on display somewhere.
Now I'd want to know if there is a fee charged to view these exhibits, and if the estates of the dead folk receive a portion of that, like royalties....
If I remember correctly, donation is arranged by the individual prior to death. Basically like donating your body to science. There is a fee to enter the exhibit.2 -
RunHardBeStrong wrote: »JustReadTheInstructions wrote: »RunHardBeStrong wrote: »JustReadTheInstructions wrote: »JustReadTheInstructions wrote: »amorfati601070 wrote: »JustReadTheInstructions wrote: »Debt and credit scores are a racket. They don't mean anything. If I had to put a number on it though, like $348K
You know, the whole world is in debt anyway. Like, when you die...that debt...where does it go? Its just numbers then..bouncing around in a bubble of speculation.
Right? It's all in imaginary figures anyway. If all the databases went down tomorrow I wouldn't be in debt.
Actually, if you die and you plan to leave something to someone... ex life insurance they can't collect on the estate until the bills are paid. On a side note... if you leave no one anything then debts are absorbed and if you have no life insurance you will be buried. They don't just leave you in the street
Just throw me in the trash
Nah, I'mma stuff you and put you in my museum.
That's actually a thing you can do. It's called plastination.
This is very interesting to see on display. I've been to a few exhibits.
This shouldn't creep me out because it's really just a shell of our existence but this creeped me out to think there's dead people on display somewhere.
Body World in Amsterdam is one of them. I'm both highly creeped out and also very intrigued, because I just finished up two semesters of Anatomy & Physiology. I haven't quite decided if I'm going to brave the place while I'm on vacation later this year.1 -
Susieq_1994 wrote: »Body World in Amsterdam is one of them. I'm both highly creeped out and also very intrigued, because I just finished up two semesters of Anatomy & Physiology. I haven't quite decided if I'm going to brave the place while I'm on vacation later this year.
Go. It's not nearly as bad of as what you might see in a lab or morgue. Actually, most of it is barely recognizable as a body.1 -
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MIltonBradley1 wrote: »What is your credit score?
Good enough for Olive Garden.3 -
The only debt I have is my student loans. I did file bankruptcy back in January because of bad decisions my mother talked me into to make ends meet for her and me. I worked full time and went to school full time to help take care of my mom and sister.
I live within my means now. My car is paid off. So all I have is Rent,Power,Cell phone, Car insurance, Internet. I don't even have a big phone bill it's just prepaid plan with a smart phone I just bought outright.
There is some shame in having debt. I hate that I had to file bankruptcy to start getting my finances in order and get back to financial health. Pay day loans were what took me out. Before that I had two healthy credit cards and a car that isn't 20 years old with no ac lol
I'm not approaching this weightloss with a ton of money just dedication. I'm walking up and down my driveway and working out with dumbbells and a kettle bell I have at home. We eat a lot of bring home from my job, because I get half off and it's a steakhouse.
I'm on my way to a healthier life in all aspects.6 -
Just bought a new house so around 170k of debt. Paid some of my home with cash but had to get a mortgage for the rest!
My monthly spending varies.
Usually about 100 in gas
500-600 in groceries
200 for electric
300 for tv and internet
100-200 for water and sewage
40 every 3 months for trash.
About 200 in formula for my LO.
50-200 in diapers
And about 100-200 in prescription medication.
Mortgage is 1300 a month.
2 -
I normally don’t use credit cards or any of that of the sort.
I live extremely comfortably. Like said above will I retire at a good age? Probably not because retirement probably won’t cover all the bills but we’ll see when I get there!1 -
MIltonBradley1 wrote: »What is your credit score?RunHardBeStrong wrote: »MIltonBradley1 wrote: »What is your credit score?
Good enough for Olive Garden.
@RunHardBeStrong
..... nothing else really matters, does it?
.2
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