Pretty cool. He was a good teacher. How many years did you guys operate for?

JOTS - I wouldnt mind workin with Gina....jus sayin

$5k goes to the city. $9k goes to our terrible school district. $1.5k goes to the County for "County and School equalization" whatever the hell that means. Less than $1k goes to community colleges, and $1700 goes to our public hospital.

In the US we can write off certain expenses such as mortgage interest and property taxes when filing our federal income tax.

He is insanely smart and driven obv. Also a truly nice dude.

Heavy duty call in play from 97-03ish (we literally logged 10s of thousands of counter hours in LV during this time).

other stuff cant really discuss

Squid have you ever been on any podcasts?

Podcasts and adult home movies ain't the same thing dude.

Gain'tnoshameinasking,we'reallfriendshereG

Cancelled a date tomorrow cause I forgot shadowlands comes out

Gg guys see you next year

can't you just invite him over to watch it with you?

FTFY

this guy gets it

sshh. People won't play the game of life if they know it's unbeatable.

Didn't follow all that but still see Dave Ramsey having a aneurysm.

My advice is directed toward him specifically because he said he wants to use his property as a rental.

If someone has no interest in doing that, then my advice doesn’t apply, but then the next discussion would be does someone think they would make more money by paying off their house quickly or by paying off their house slower and using the extra $$ to invest in other possibilities, which considering the average appreciation of real estate is like 2.2%/year over like the last 50 years, it’s not hard to beat that by just throwing $ into an index fund

I haven’t seen a ton of Dave Ramsey stuff, but his general advise seems to be to live debt free, which is great, but there are several ways to become wealthy. Being debt free and just saving is the slowest of them.

just throw a sheet over them for COVID protection and they can be whatever gender you want

a mouth is a mouth, from what I hear

Jots- great advice. How many investment properties do you have?

.

lol Dave Ramsey. That’s funny

Living debt free leads to a pretty stress-free life, which can't be undervalued.

GbuteachtotheirownG

Ty for the advice. Once I get to a 640 score I am going house shopping, assuming I can get my dti low enough. Although I’ll just get a job worst case. 3-6 months of employment is all the lenders said I need in order to use that income on a loan
I’d like to buy a house every year or two using my VA loan and then rent out said houses. I knew a dude who collected $21k the first of every month cause he owned his properties and rented them all out. I’d like to get like that.

What should I do?

To be mortgage free in a nice home is my dream tbh.

I can do that in lots of nice places around my country already but I really want to be able to live where I do now...certainly for the next 8 years while my kids are still in school and probably beyond that because it’s a great location and we’ve got a lot of friends in the area now. So...I’ll be grinding through the next 10 years minimum to get close to paying off my loan which is only about 40% of the current value but is still v large in my eyes

It would be brilliant to have somewhere nice where we know people to retire to which is a load cheaper than where we are now but if not we’ should be able to downsize

first step would be to get professional advice, not from a rando on the internet

His debt free mantra is probably helpful for a lot of people. Not why he is a bit of a joke.

That said, being a janitor leads to a stress free life as well. Show up, push the broom going home.

Anyway, debt is a tool. Like all tools if misused it can be problematic

I guess ones poker style & preferred games/formats is a reflection of how they approach their finances?

if they play that 4 card stuff they’re more likely to be into B I T C O I N etc

lol donkaments = T S L A

NL cash = V O O

limp AA UTG = T R E A S U R I E S

etc

Based on your posts you are Ill suited to running a business. Owning multiple rentals is a business


Also this