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SVTPerformance's Chain of Restaurants
Road Side Pub
Any Dave Ramsey fans in here or financial gurus? Need advice..
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<blockquote data-quote="IronSnake" data-source="post: 16132677" data-attributes="member: 46336"><p>Thanks Mojo. Just realized that. </p><p></p><p>My personal accounting thoughts/way we live:</p><p></p><ul> <li data-xf-list-type="ul">3-6 months of savings </li> <li data-xf-list-type="ul">Anything over 4% interest, you need to get down asap. </li> <li data-xf-list-type="ul">Anything below can hold tight as you pay on it. </li> <li data-xf-list-type="ul">Get your retirement match on at your work. </li> <li data-xf-list-type="ul">Student loans aren't the devil so long as they aren't massive and aren't high interest. </li> <li data-xf-list-type="ul">Car payment is fine if it's justifiable. Meaning it doesn't nose dive in value/you get a good deal/rate is good/you keep it after the loan is done.</li> <li data-xf-list-type="ul">A person with good finances can also be one that has a fixed mortgage, a car payment, and student loans. The difference is the high interest debt (CC's, ARMs, and others) are more impactful than anything. </li> </ul><p>I currently sit with sizeable savings, good 401k, and only one credit card debt. Mortgage, student loans, and truck payment are all under 4% roughly. So I invest my money in renovating my home, flipping cars, and making more money to improve our life.</p></blockquote><p></p>
[QUOTE="IronSnake, post: 16132677, member: 46336"] Thanks Mojo. Just realized that. My personal accounting thoughts/way we live: [LIST] [*]3-6 months of savings [*]Anything over 4% interest, you need to get down asap. [*]Anything below can hold tight as you pay on it. [*]Get your retirement match on at your work. [*]Student loans aren't the devil so long as they aren't massive and aren't high interest. [*]Car payment is fine if it's justifiable. Meaning it doesn't nose dive in value/you get a good deal/rate is good/you keep it after the loan is done. [*]A person with good finances can also be one that has a fixed mortgage, a car payment, and student loans. The difference is the high interest debt (CC's, ARMs, and others) are more impactful than anything. [/LIST] I currently sit with sizeable savings, good 401k, and only one credit card debt. Mortgage, student loans, and truck payment are all under 4% roughly. So I invest my money in renovating my home, flipping cars, and making more money to improve our life. [/QUOTE]
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SVTPerformance's Chain of Restaurants
Road Side Pub
Any Dave Ramsey fans in here or financial gurus? Need advice..
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