Search found 455 matches

by Buckeye
Sun May 07, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7967

Re: Stay home with kids?

No inheritance. No windfall. We've never made six figures...combined.....and we still chose one parent stay at home full time. Zero savings for years.

Not really even close. Well worth it. :happy
by Buckeye
Fri May 05, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Recommended Washer/Dryer Set
Replies: 25
Views: 2112

Re: Recommended Washer/Dryer Set

We bought new Speed Queen washer and dryer less than two years ago. Noise and vibration issues galore. I need to call them out for dryer again soon...probably will need a new drum. Rollers already replaced. Good thing I have a 5 year warranty (got in on a special that added two years). I'm aware I a...
by Buckeye
Sun Dec 25, 2016 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 4219

Re: Reliable washer/dryer brands

We bought a new dryer and a new washer about 11 months ago.....both Speed Queen. Unfortunately in our case they have both been disappointing. (First call about 8 months ago was for a bad bearing that was replaced. Several months later the call was for the washer which needed a new spring (spin cycle...
by Buckeye
Sat Dec 10, 2016 2:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 9964

Re: Boglehead's newest millionaire

Well, I hinted to my wife that we were close last night. I re-calculated it this morning, and my work 401K numbers must not have adjusted until after 6:00 last night. But after the adjustment, I gained another $600 or so and that put us over the 1,000,000 total. I really wanted to know the exact da...
by Buckeye
Sun May 22, 2016 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Work or stay at home mom or change careers
Replies: 64
Views: 5724

Re: Work or stay at home mom or change careers

Stay at home! Though she only worked part time she did have outstanding benefits, so it stung quite a bit when she quit. Actually I wanted us both to work part time instead of her quitting but it wasn't feasible for me....though I got to work plenty of 32 hour weeks instead of 40+. :happy
by Buckeye
Thu Apr 21, 2016 5:35 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 12535

Re: Any stay at home parents regret the decision?

My wife went from 25-30 hours to about 20 hours after first kid was born and I went from 44-48 to 40 and we did part time daycare. After second kid my wife quit altogether.....and I continue to work 40 (no p/t option for me) No regrets. I just asked my wife if she misses work....and she said not at ...
by Buckeye
Sun Mar 13, 2016 8:15 pm
Forum: Investing - Theory, News & General
Topic: Late Starters
Replies: 61
Views: 6541

Re: Late Starters

Zero savings until 30 and negative net worth until 35. We've never made six figures...combined...and no inheritances. With one modest non-cola pension...we should be able to retire at 60-62.
by Buckeye
Sat Mar 05, 2016 7:22 am
Forum: Personal Consumer Issues
Topic: Sump Pump replacement
Replies: 21
Views: 1973

Re: Sump Pump replacement

I just replaced mine after 13 years.

The new pump along with some new pipe and cement cost me about $125 and about 3 hours of time including store trip and some quick comparison shopping. Menards store brand...Barracuda.
by Buckeye
Mon Feb 29, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: [Any risk in] Paying cash for services [when offered a discount]
Replies: 61
Views: 7543

Re: Paying cash for services

IMO Tax dodging.

I had a contractor years ago that charged 20% more if you didn't pay with cash.
by Buckeye
Sun Feb 28, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Maxing tax deferred contributions or saving for a home
Replies: 4
Views: 447

Re: Maxing tax deferred contributions or saving for a home

In your case I'd say keep renting and keep maxing.

Don't buy a home for the wrong reasons.
by Buckeye
Fri Feb 19, 2016 6:51 am
Forum: Personal Consumer Issues
Topic: Leave Thermostat Alone or Adjust It?
Replies: 81
Views: 6603

Re: Leave Thermostat Alone or Adjust It?

Winter 69 during day and 67 at night. Natural gas.
by Buckeye
Sat Jan 09, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Invest all in January or spread throughout the year?
Replies: 24
Views: 2906

Re: Roth IRA - Invest all in January or spread throughout the year?

We usually make contributions once per year around Feb. (bonus time for me)
by Buckeye
Sun Dec 06, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 136
Views: 22261

Re: What age did you hit $100,000?

Our NW reached zero at around 35 and hit 100k around 40.

(no inheritances and we always make <6 figures combined)

At almost 50 we have recently dropped our savings quite a bit to enjoy 'in the now' more.
by Buckeye
Sun Nov 29, 2015 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Too much in tax-advantaged accounts?
Replies: 115
Views: 13530

Re: Too much in tax-advantaged accounts?

I dropped my retirement savings to about 10k a year. My wife now saves only 2k a year in a Roth. We were saving 22k a year recently. We are both approaching age 50 with no inheritances, a minimal future pension, and minimal taxable. As the taxable grows we spend it down. We want to live (and spend) ...
by Buckeye
Sun Oct 25, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 26337

Re: Age when you started to max out your retirement accounts?

Only ever maxed out one year... and we were in our early 40's.
by Buckeye
Fri Oct 09, 2015 3:57 pm
Forum: Personal Consumer Issues
Topic: Tipping at a Barbershop
Replies: 54
Views: 5637

Re: Tipping at a Barbershop

I get about 15 haircuts a year. $12 + $3 tip.
by Buckeye
Mon Sep 07, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Help! Wife and I don't know what to do with our money!!
Replies: 64
Views: 9205

Re: Help! Wife and I don't know what to do with our money!!

You could consider your retirement fully funded! Just use withdrawals from your account to fully fund your Roths every year and to offset your reduced net take home pay that will happen when you fully fund your 401ks. Must feel neat to be done saving for retirement in your 20's! Though not very tax ...
by Buckeye
Sun Aug 30, 2015 5:24 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 12397

Re: Aug 2015 correction: what Bogleheads did...

I consider this Monday being the 31st and next Monday being Labor day.
by Buckeye
Sun Jul 05, 2015 7:52 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 36751

Re: What ratio are you stocks/bonds and how old are you?

In our mid and upper 40's.....been 50/50 for years.

Love the simplicity.

We'll probably change our allocation once roughly 15 years from now to 1/3 and 2/3......or to 1/4 and 3/4.
by Buckeye
Wed Jun 10, 2015 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Economic Outpatient Care for a Boglehead
Replies: 70
Views: 6177

Re: Inheritance and Economic Outpatient Care for a Boglehead

6%

Vast majority in the form of gifts during my 20's and 30's. Very little total inheritances.
by Buckeye
Tue Feb 24, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 51
Views: 12133

Re: Do we have enough to retire?

Yes you have enough to retire rather easily.
by Buckeye
Wed Feb 11, 2015 2:40 pm
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 4841

Re: Primecap [Kiplinger article]

Core here since it opened.

I'm guessing probably time to dump it now.
by Buckeye
Tue Jan 06, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 4122

Re: Do you generally spend more when using credit cards?

Yes.

I didn't start using credit cards until I was over 35. And absolutely no doubt about it....I spend a little more now because of the cards. But I don't consider that a bad thing. :happy
by Buckeye
Sat Dec 20, 2014 8:29 pm
Forum: Personal Consumer Issues
Topic: Major Life Decision -- Do we need to keep working?
Replies: 56
Views: 8755

Re: Major Life Decision -- Do we need to keep working?

Since you are interested in either consulting or working fun jobs after you "retire"....the answer is an easy NO.
by Buckeye
Mon Dec 08, 2014 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 13447

Re: Am I being cheap? [wedding/engagement ring]

Most women are attracted to conspicuous consumption, particularly if the spending is on them, and especially so when it involves a possible mate.

Make her happy and buy it.
by Buckeye
Fri Aug 22, 2014 8:32 am
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 8371

Re: Do you tip on the tax?

I'm surprised so many people tip percentage. Person 1 at a table orders a $10 pasta dish. Person 2 orders a $30 steak. Same amount of interaction with the wait staff. Think drinks too. Person 1 orders Bud. Person 2 orders Chimay. Same work for the bartender/waiter. Why tip differently? I tip on qua...
by Buckeye
Mon Aug 18, 2014 3:26 pm
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 11245

Re: Your biggest "Missed Money" event that still kills you?

About 7 years ago my wife said would we should by stock in this new eatery that had opened up nearby.

She loved the food!

I did my investigation and analysis and determined that we had already missed the easy money and that Chipotle stock wasn't going much higher anytime soon. :annoyed
by Buckeye
Mon Aug 18, 2014 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 105
Views: 16022

Re: How much do you plan to save in your 529 plan?

Nothing.

We have never maxed out our retirement savings and probably never will.
by Buckeye
Mon Aug 11, 2014 9:06 am
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 8733

Re: Convince me I can make a dumb (car-related) purchase

Used? You can afford a new S5 or Cayman.

Go for it!
by Buckeye
Tue Aug 05, 2014 1:16 pm
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 9234

Re: average American eats out 203 times per year

Roughly 300 for us.
by Buckeye
Mon Jul 21, 2014 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 83455

Re: Hw many credit cards to own?

3 with total annual fees of about $220.
by Buckeye
Sun Jul 20, 2014 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 4323

Re: Helping My Grandmother

Can she work?

My Mom went back to work at 66 for 11 more years working part-time in a restaurant kitchen. She made an additional 4-7k annually during those years....and really enjoyed it for the most part.
by Buckeye
Wed Jul 16, 2014 8:30 am
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 12131

Re: Millennials (with jobs) are super-saving their retiremen

I'm seeing the same thing. It seems like most of the newer kids (age 20's) where I'm at are definitely active in retirement savings. One I started working with early last year started at 19 in 2007 while in college and hit six figures saved well over a year ago before he was 25.....all the while enj...
by Buckeye
Sun Jun 29, 2014 7:53 pm
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 28189

Re: The Millionaire Next Door: Are You One?

Nope.

Not a millionaire AND new car shopping to boot. :)
by Buckeye
Mon Jun 23, 2014 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 7460

Re: Is Medical School Worth it Financially?

I just visited a ENT doctor recently who examined me for several minutes and suggested a procedure to be done on a different day. A couple weeks later I got a statement from my insurance showing charges of over $600 including a $400 one for surgery. I called insurance company and mentioned the surge...
by Buckeye
Fri Jun 20, 2014 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 94
Views: 13722

Re: Late starters: what age did you start investing?

I was about 32 and my wife was almost 30. Our net worth remained negative for the first 3 years or so.
by Buckeye
Fri Jun 13, 2014 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy time in my gov't pension plan?
Replies: 24
Views: 2666

Re: Should I buy time in my gov't pension plan?

I'd say do it.

They may have changed it a bit in 2012, but that's minor to what will most likely happen in the future IMO.
by Buckeye
Sun May 25, 2014 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 18989

Re: The in-laws are broke!

Yeah home equity should help out. My in-laws are broke finally after having sold there house and spending all the home equity they got....mostly on vacations. Hey you can NOT take it with you...so I'm glad they enjoyed their 60's immensely. They have enough steady income to take of themselves till t...
by Buckeye
Fri May 23, 2014 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended savings rate
Replies: 9
Views: 1308

Re: Recommended savings rate

Yes it does.
by Buckeye
Sat May 03, 2014 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Why am i stressed after being laid off? (3yr expenses saved)
Replies: 15
Views: 3030

Re: Why am i stressed after being laid off? (3yr expenses sa

This will also drastically impact your mating opportunities.

Then again it might help. I met my wife over 20 years ago while unemployed (and in debt). Had I been working with much less free time...I doubt I would have ever met her.
by Buckeye
Thu Apr 24, 2014 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 163
Views: 43422

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

I had a friend who quit a stable engineering job in Ohio in his late 20's back in the 1980's. After quitting he spent about two years traveling and working odd jobs. He spent roughly a year in Montana and eventually made his way to Alaska. Shortly thereafter he re-entered the engineering profession,...
by Buckeye
Thu Apr 24, 2014 1:35 pm
Forum: Investing - Theory, News & General
Topic: Lottery value more than 4 times all possible tickets
Replies: 13
Views: 2564

Re: Lottery value more than 4 times all possible tickets

Having $13.9 million in cash. Maybe 139 each adding $10,000 or 1,390 people each adding $1,000.

people (or amount) X10 :happy
by Buckeye
Sat Apr 19, 2014 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 20393

Re: POLL: why carry cash?

About 25% of our grocery and toiletry shopping is done at a regional chain store that does not take credit cards to keep costs down. And I hate writing checks.
by Buckeye
Fri Mar 28, 2014 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 299
Views: 58404

Re: What age did you reach 100K networth?

I think I was 39. We've never made 100k combined in a year yet (she works p/t) and might never actually do so.....and zero inheritances. :happy
by Buckeye
Mon Mar 24, 2014 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 98680

Re: Convince me to get a credit card

We use credit cards a lot. Total annual fees on our 3 cards are about $220. And every year or so when I do the math they are more than justified (vs. strictly no annual fee options).....for the way we use them. But I make no mistake in realizing they indeed do influence our spending. Absolutely no d...
by Buckeye
Sun Mar 16, 2014 6:14 am
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 14474

Re: Was frugality a mistake? The downsides of saving too mu

I had a blast during my 20's which ended with zero savings at 30 and a negative net worth for several more years after that. Absolutely no regrets. We have never made 6 figures....combined! We buy new cars every decade. We spend hundreds a month eating out and thousands a year traveling. Zero inheri...
by Buckeye
Mon Feb 10, 2014 6:40 am
Forum: Personal Finance (Not Investing)
Topic: How long does it take to do your taxes?
Replies: 53
Views: 15705

Re: How long does it take to do your taxes?

Federal, State, local all in one hour max.

Already got both refunds last week. State early in the week and Fed a few days later. Was part of a pilot program that allowed for early e-filing though IRS didn't process filing till the 31st.
by Buckeye
Wed Jan 01, 2014 12:58 am
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 11916

Re: What is your winter thermostat setting (while you are up

68 or 69 during the day and usually 67 at night.
by Buckeye
Sun Dec 29, 2013 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Social Security estimates if early retiring?
Replies: 15
Views: 1908

Re: Social Security estimates if early retiring?

I use simple SS calculator to get value at 62.
Then I divide by 0.7 to get FRA at 67.
Then I multiply by 1.24 to get delayed value at 70.
by Buckeye
Fri Nov 29, 2013 2:04 pm
Forum: Investing - Theory, News & General
Topic: POLL: Black Friday market close: Green or Red?
Replies: 52
Views: 2836

Re: POLL: Black Friday market close: Green or Red?

ooops nevermind...closed early today.

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