Search found 481 matches

by gator15
Sun Feb 07, 2021 9:58 am
Forum: Personal Consumer Issues
Topic: 2021 Jeep Grand Cherokee
Replies: 35
Views: 2477

Re: 2021 Jeep Grand Cherokee

I have a 2015 Grand Cherokee I bought new. It’s the best car I’ve owned. At the time I chose it over the Lexus GX, 4Runner, BMW X5 and the Explorer because I felt I got more bang for the buck with the Jeep. I haven’t had any issues with it. It’s great in the snow, very comfortable, and it’s infotain...
by gator15
Thu Jan 28, 2021 8:28 am
Forum: Investing - Theory, News & General
Topic: Has Bogleheads lost its direction?
Replies: 331
Views: 29531

Re: Has Bogleheads lost its direction?

The GME threads are the most interesting threads I’ve read on this site in months. Bring on more of it. I had no idea what was going on until I came to this website
by gator15
Fri Jan 22, 2021 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: My bad financial habits
Replies: 64
Views: 6007

Re: My bad financial habits

Definitely groceries. I don’t shop with a list and I generally don’t let prices deter me. Then I wonder why our grocery bill is so bad. Also, kept a gym membership about 9 months longer than I should have last year. Finally cancelled in December. That was costly. Probably can do a better job managin...
by gator15
Thu Jan 21, 2021 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Who or what has helped the most in your financial journey?
Replies: 121
Views: 7300

Re: Who or what has helped the most in your financial journey?

Buy-in from my spouse. Her willingness to go on this journey with me is a big reason why we’ve had success to this point.
by gator15
Mon Jan 18, 2021 9:02 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 152
Views: 13844

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I love exotic cars, but I don’t want those problems. Can’t deal with the anxiety of a possible scratch or dent in the car. It’s the reason why I’ve decided not to pursue a high priced car. I don’t think I would ever purchase an exotic, but would love to have a new Audi RS6 Avant. Went to my local d...
by gator15
Mon Jan 18, 2021 5:10 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 152
Views: 13844

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I love exotic cars, but I don’t want those problems. Can’t deal with the anxiety of a possible scratch or dent in the car. It’s the reason why I’ve decided not to pursue a high priced car. I don’t think I would ever purchase an exotic, but would love to have a new Audi RS6 Avant. Went to my local de...
by gator15
Wed Jan 13, 2021 10:52 pm
Forum: Personal Consumer Issues
Topic: Massage Tool
Replies: 18
Views: 1281

Re: Massage Tool

Theragun
by gator15
Tue Jan 12, 2021 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Got a job offer for $840k/yr. Should I come out of retirement?
Replies: 229
Views: 28940

Re: Got a job offer for $840k/yr. Should I come out of retirement?

If I had $6 million at your age with your expenses I would stay retired. As someone else mentioned, the taxes you would pay on $840k could be substantial. That would be a deterrent for me. Let’s say you work a couple of years and save an additional $1 million. What can you do with $7 million that yo...
by gator15
Sun Jan 10, 2021 10:44 pm
Forum: Investing - Theory, News & General
Topic: Aggresiveness of portfolio if you have a pension?
Replies: 27
Views: 2647

Re: Aggresiveness of portfolio if you have a pension?

If I had a pension, I would have an AA as if I didn’t have a pension. I wouldn’t increase nor decrease risk. Would keep my portfolio around 80% stocks and 20% everything else.
by gator15
Sun Jan 10, 2021 2:28 pm
Forum: Personal Investments
Topic: [Should I open a Robinhood account?]
Replies: 50
Views: 2720

Re: Robinhood

I love it.
by gator15
Sun Jan 03, 2021 1:33 pm
Forum: Investing - Theory, News & General
Topic: New Years Financial Resolutions
Replies: 54
Views: 4341

Re: New Years Financial Resolutions

Cut expenses. We somehow managed to increase expenses in a year when most people cut expenses despite not taking any vacations. Be more tax efficient with investing. My wife’s company allows her to contribute after tax money in her 401k once she maxes her 401k. We’ve accumulated a decent amount in a...
by gator15
Thu Dec 31, 2020 2:15 pm
Forum: Personal Investments
Topic: Anti-Boglehead Confessions
Replies: 102
Views: 11381

Re: Anti-Boglehead Confessions

I have a decent amount of money invested in Robinhood. Really no rhyme or reason behind why? Maybe it’s a form of gambling for me. I procrastinated conducting a backdoor Roth. Have a Fidelity account and it doesn’t appear I can conduct the transaction online. At least I haven’t figured out how to co...
by gator15
Tue Dec 29, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Very very warm Men’s Winter Coat
Replies: 67
Views: 5410

Re: Very very warm Men’s Winter Coat

Canada goose but they are expensive.
by gator15
Sun Dec 27, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2020: Lessons learned
Replies: 237
Views: 16049

Re: 2020: Lessons learned

Don’t procrastinate completing a backdoor Roth. Having prepared meals delivered to our house daily isn’t that much more expense than buying groceries and prepping the meals myself when you consider time spent prepping the meal. I’m just as effective working from the house if not more than working in...
by gator15
Thu Dec 24, 2020 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 161
Views: 11411

Re: What NON-frugal thing did you do today?

Just spent a couple hundred dollars on seafood for tonight’s Christmas dinner. Probably overpaid for prepared lobster Mac and cheese but it looked so good so I had to grab it. On my way to spend what will likely be over $100 to buy another joycon for my son’s Nintendo Switch so we can play Super Mar...
by gator15
Wed Dec 23, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39246

Re: What kind of car do Bogleheads like to drive?

I will take a 2021 Audi RS6 Avant, please. What a beautiful vehicle. Instead, I have a couple of Jeep’s.
by gator15
Wed Dec 23, 2020 12:35 am
Forum: Personal Consumer Issues
Topic: Skiing vs Snowboarding for a 12 year old
Replies: 64
Views: 3640

Re: Skiing vs Snowboarding for a 12 year old

I started snowboarding in my early 20’s. I chose snowboarding over skiing at the time because I had some experience skateboarding as a kid. I don’t think it helped. My first day on the mountain I fell nearly 60 or 70 times if not more. The next day I committed to a lesson and cut my falls in half. D...
by gator15
Sat Dec 19, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: What is the Worst Financial Decision/Mistake You Have Made?
Replies: 230
Views: 18400

Re: What is the Worst Financial Decision/Mistake You Have Made?

Though I love cars, the purchase of several cars over the last 18 years probably wasn’t the smartest decision I’ve made. I’ve owned 10+ cars including some expensive cars during that time frame. I didn’t help the matter as I bought another vehicle in March. Up until August of this year I had four ca...
by gator15
Sun Dec 13, 2020 7:36 pm
Forum: Personal Consumer Issues
Topic: Best < $100 purchase?
Replies: 136
Views: 16549

Re: Best < $100 purchase?

Car caddy. Now my car is a little more organized. Another is a Gravity weight blanket. Sleeping a little better with the blanket.
by gator15
Fri Dec 11, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: Favorite Travel Experiences
Replies: 178
Views: 12845

Re: Favorite Travel Experiences

Bungee jumping in Queenstown, NZ in 2008. Beautiful city and lots to do there. Drove across New Zealand to get there and enjoyed the trip. Spent 17 days between Sydney, Australia, NZ, and Fiji. Have great memories from that vacation.
by gator15
Fri Dec 11, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Regrets: What's One Investment You Wish You Bought More Of?
Replies: 60
Views: 4340

Re: Regrets: What's One Investment You Wish You Bought More Of?

Real estate in 2009/2010. At the time, I purchased a condo at a depressed price and scored a great deal. I used it as a rental for six years before selling. Wish I purchased more real estate during the time. After purchasing the condo at a steal, I thought I could continue to purchase more real esta...
by gator15
Fri Dec 04, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Commuting after COVID
Replies: 133
Views: 8255

Re: Commuting after COVID

I had nearly a 3.5 hour commute each day Pre-COVID. Commuted that distance for three years. Hoping for a transfer closer to home before we are required to return to in person work.
by gator15
Wed Dec 02, 2020 11:16 pm
Forum: Personal Investments
Topic: At what milestone did you feel secure?
Replies: 156
Views: 17593

Re: At what milestone did you feel secure?

I can only think of one milestone thus far which allowed me some freedom at the time. In my late 20’s, I had a goal of reaching $100k. Doing so, would allow me to leave my job, take a year sabbatical and travel the world. I met that milestone, left my job, and traveled a little. Didn’t travel as muc...
by gator15
Tue Oct 20, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: Most comfortable shoe: please recommend
Replies: 81
Views: 6902

Re: Most comfortable shoe: please recommend

gubernaculum wrote: Sun Oct 18, 2020 11:33 pm I like adidas ultra boost 20. Love the breathability and are the most comfortable shoe I ever wore other than being barefoot.
I’m afraid to say how many ultraboost I own. Great shoe
by gator15
Sat Oct 10, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 114
Views: 10974

Re: "Nice" furniture recommendations

We bought furniture from the love sac store. A little pricey but we’ve enjoyed over the last couple of years. Still looks new. Their furniture is also modular.
by gator15
Mon Oct 05, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Favorite Camping Gear
Replies: 71
Views: 5313

Re: Favorite Camping Gear

I haven't pulled the trigger yet but I've got my eye on an REI Kingdom Cot. My son-in-law has one and it seems a considerable step up from sleeping on the ground, even with a good sleeping pad. We have three of them. They are outstanding. Also great when you have more people than beds when you have...
by gator15
Fri Sep 25, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: At what networth is okay to splurge on a 200k car ? (Tesla roadster)
Replies: 159
Views: 10985

Re: At what networth is okay to splurge on a 200k car ? (Tesla roadster)

I should mention that his wife refused to get in the car or ever ride with him in it. She said he looked ridiculous in it. LOL, my wife would be exactly the same. An important point to consider when deciding to buy a car like this: You will be stereotyped and judged quite harshly everywhere you go....
by gator15
Tue Sep 22, 2020 8:09 am
Forum: Personal Finance (Not Investing)
Topic: For new roof, painting, new deck: cash-out refi, or cash-in investments?
Replies: 13
Views: 1533

Re: For new roof, painting, new deck: cash-out refi, or cash-in investments?

CoAndy wrote: Thu Aug 13, 2020 12:01 pm We are doing a cash out refi (reluctantly). We are going from 3.25% to 2.375% on a 20 year fixed. Going to pull out $20k for home improvements and renovations. Payment is going to remain about the same and we go from 23 years to 20. Not a bad deal.
Where did you get a 2.375 rate?
by gator15
Sat Sep 12, 2020 12:39 am
Forum: Personal Consumer Issues
Topic: Neccesities for a Man Cave
Replies: 51
Views: 3660

Re: Neccesities for a Man Cave

Massage chair and popcorn machine. Those are the next two things going in man cave.
by gator15
Sat Sep 05, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 234
Views: 42644

Re: What expenditures improved your happiness/quality of life?

Had an iPhone 5 for a few years and while it was great it didn’t have enough storage. Anytime I wanted to take a new photo I had to delete an old photo. Didn’t have enough space to download new apps. After awhile I got tired of this routine and broke down and bought an iPhone XR. While it was ridicu...
by gator15
Tue Aug 25, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 17095

Re: Do you talk to your friends/family/coworkers about this stuff?

I understand that talking finances is taboo, but I’ve tried to break that thought process over the years. Im tired of seeing financial ignorance lead to unfavorable outcomes for people. I’m no expert, but I feel like I know enough to help people. I feel an obligation to help. Some people take the ad...
by gator15
Tue Aug 25, 2020 6:30 am
Forum: Personal Consumer Issues
Topic: Any car enthusiasts? (or soon to be)
Replies: 112
Views: 7097

Re: Any car enthusiasts? (or soon to be)

Curious if there are any car enthusiasts on the boards or any bogleheads awaiting a certain net worth status? I feel like I need to pay off my house and have 3 million before I purchase the Audi R8 V10. I went to an Audi dealership and saw one of those a couple of weeks ago. Wow, what a beautiful c...
by gator15
Sat Aug 22, 2020 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a new car?
Replies: 79
Views: 5560

Re: Can I afford a new car?

Your salary, your net worth. Buy the car
by gator15
Thu Aug 13, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Which job would you take?
Replies: 18
Views: 1221

Re: Which job would you take?

Single= option A, married with kids = option B
by gator15
Wed Aug 12, 2020 9:59 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 230
Views: 26526

Re: Anyone else hoarding cash right now?

We are holding more cash than usual, but I don't know that it's hoarding per se. We have a tuition bill coming due, a huge tax bill due next April, and are planning to build a new house. So having cash is important, but it has nothing to do with the state of the market. We are planning to do a cash...
by gator15
Wed Aug 12, 2020 6:03 pm
Forum: Investing - Theory, News & General
Topic: What is the big deal with RobinHood accounts???
Replies: 75
Views: 8778

Re: What is the big deal with RobinHood accounts???

I have both a Robinhood and Acorns account. I enjoy them both. I’m not sure if they have any advantages over other brokerages. I like Robinhood more for quick accessibility. I like Acorns and the round up idea. I’ve funded small trips with money saved through acorns. Owning both accounts probably do...
by gator15
Sat Jun 13, 2020 6:57 am
Forum: Personal Investments
Topic: How much has Bogleheads saved you?
Replies: 38
Views: 3274

Re: How much has Bogleheads saved you?

Not sure how much it’s saved me, but there are some threads that have helped me step up my game when it comes to my savings rate. Threads like the net worth progression thread helped in providing motivation to save more.
by gator15
Sat Jun 13, 2020 6:50 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32895

Re: Have you ever kept up with the Jones’?

Why not be the Jones if it adds value to your life and you are meeting your savings goals. With nice cars, a motorcycle, Atv, nice vacations, a recent bath remodel etc, it’s possible we are the Jones in our neighborhood. One could speculate that we are up to our eyeballs in debt and they would be wr...
by gator15
Sun Jun 07, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 499
Views: 31925

Re: What fun car should I get in the $150k - $200k range?

The Audi RS6 Avant is finally coming to the US. Run with the supercars on your way to get bagels, have space to bring more bagels home. https://cnet4.cbsistatic.com/img/6hIB3Oh1aHJZck3duRvjVL-D-Yo=/980x551/2019/11/25/2ba5689d-11fc-4ae5-be9c-f9731789e08c/2020-audi-rs6-avant-025.jpg This is what I wo...
by gator15
Sat Jun 06, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 499
Views: 31925

Re: What fun car should I get in the $150k - $200k range?

I would get one of the Porsche GT cars. Beautiful, great sound and they seem to maintain their value.
by gator15
Sat Jun 06, 2020 8:12 am
Forum: Personal Investments
Topic: Is there a retirement savings "crunch time"- and are we in it??
Replies: 30
Views: 3840

Re: Is there a retirement savings "crunch time"- and are we in it??

I have a self imposed crunch time. My wife and I are blessed to have good incomes and as a result, I feel the need to make hay while the sun is shining. We take this approach because we never know, we could lose our great incomes at any time. Someone mentioned it’s important to start saving early. I...
by gator15
Wed May 27, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 14429

Re: If Jeep has such poor reliability, how come they are everywhere?

Before I bought my 2015 Grand Cherokee, I owned a 2002 4Runner which I had for over a decade. The vehicle was great and when I sold it, getting a new 2016 4Runner was at the top of my list until I test drove the vehicle. It was the first vehicle I test drove. I remember being so disappointed during ...
by gator15
Sun May 24, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 14429

Re: If Jeep has such poor reliability, how come they are everywhere?

I’ve owned three jeeps over the last 13 years and I currently own two, a Wrangler and a Grand Cherokee. The GC is a 2015 and I’ve never had any problems with it. In fact, I’ve never had any problems with any of my jeeps. I bought it because I felt like it I got the most bang for my buck with that ve...
by gator15
Thu May 14, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: New convertible under 50k?
Replies: 39
Views: 2540

Re: New convertible under 50k?

Wrangler. Those with a hard top have removable "freedom panels" over driver and passenger. Or remove the entire top and use a soft top. I have both. If you want, remove the doors, which isn't overly difficult. A $20k one will be the JK version, which is the most plentiful used and doesn't...
by gator15
Wed May 13, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: What will you do this summer of 2020 [to keep young kids active?]
Replies: 11
Views: 1374

Re: What will you do this summer of 2020 if..

Camping. That’s what we are doing for a good portion of June. Can social distance for the most part.
by gator15
Wed May 06, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4747

Re: 2020 travel plans

I had two out of state and one international vacation scheduled between Feb and Apr. After paying for two of the trips, I’ve had to postpone both until next year which really sucked because we really looked forward to those trips. We’ve done a really good job adhering to the stay at home orders for ...
by gator15
Fri Apr 24, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much more will I actually make in a new job?
Replies: 15
Views: 1527

Re: How much more will I actually make in a new job?

I commute 75 miles one way and have been for the last three years. I’m in my car 3.5 hours each day and it’s soul crushing. Don’t take the job. As others have stated, a long commute changes many things in your life. My workouts habits have changed for the worst. By the time I get home each day, I’m ...
by gator15
Thu Apr 23, 2020 4:10 am
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 5266

Re: How much to tip on DoorDash?

Like some people here, I’m not a fan of how we tip in this country. It doesn’t make a lot of sense. Tipping a percentage of the total bill just doesn’t make sense. As a result, I don’t visit many restaurants because I don’t want to pay a $40 or $50 tip for $200 meal. I actually value the service a d...
by gator15
Tue Apr 21, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on buying a weekend car [UPDATE]
Replies: 90
Views: 4629

Re: Advice on buying a weekend car

I think you are doing fine. You have a lot more money than I did when I was your age. I’ve owned multiple sports cars. It doesn’t appear that they’ve prevented me from meeting my retirement goals. As long as you are able to meet your goals, go for it. I recently bought a weekend Jeep Wrangler. Don’t...
by gator15
Sun Apr 19, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4636

Re: Replacement for 4Runner

If I were in the market for a new SUV I would get one of these vehicles: Grand Cherokee, Lexus GX 470, or Kia Telluride. I currently own a 2015 Grand Cherokee and love it. You get a lot of bang for the buck with that vehicle. The GX470 was my second choice in 2015 when I was shopping for vehicles. ...