Litiquette VI

[parker77]

I'm still trying to get the hang on peanut butter and jelly, though.

i love pb&j. especially with blueberry preserves. i had that and a glass of milk yesterday. it’s pleasantly amusing to me that you have to cultivate your taste for it. i think i emerged from the womb with a hankering for it! hope you come around to it someday.

 

[Lord Pmann]

Seems like a natural transition...

Money. We all need it. We all wish we had more of it. It takes a skill to manage it. Trekka mentioned she didn’t need a show to tell her rice and beans were cheap. Well, a lot of people do. There are plenty of people who make lots of money who are dead broke. Plenty of people who don’t make a whole lot of money who are doing just fine.

Schools don’t teach anything about personal finances. Most don’t, anyway. So how did you learn about money? Trial and error? Make a lot of mistakes and learn? Did you have parents who taught you the way, either by good or bad example?

Any advice you’d give young you in regards to money?


Money by Pink Floyd

https://youtu.be/-0kcet4aPpQ

 

[StacyLeigh]

There are plenty of people who make lots of money who are dead broke. Plenty of people who don’t make a whole lot of money who are doing just fine.

Not ready to answer just yet.... but curious if this ^^ is less about money management and more about priority management?

 

[Lord Pmann]

Not ready to answer just yet.... but curious if this ^^ is less about money management and more about priority management?

I think that’s a good distinction and the two things overlap significantly.

 

[Fermina_Daza]

F*@k Dave Ramsey. His methods work as long as nothing goes wrong in your life - like some Ritalin-high jackass running a red light at full speed while you have green left turn arrow. Might have saved a bit each month on car insurance but have fun fighting for months or even years with the other person’s insurance company (assuming they have insurance and enough insurance) and/or your own.

Oh, Happy Sunday, peeps!

 

[Lord Pmann]

F*@k Dave Ramsey. His methods work as long as nothing goes wrong in your life - like some Ritalin-high jackass running a red light at full speed while you have green left turn arrow. Might have saved a bit each month on car insurance but have fun fighting for months or even years with the other person’s insurance company (assuming they have insurance and enough insurance) and/or your own.

Oh, Happy Sunday, peeps!

Dave Ramsey would’ve said to have sufficient coverage and an emergency and car fund.

Happy Sunday!!!

 

[Lord Pmann]

I didn't learn about money until I was making minimum wage and living on my own. I thought credit cards were a normal debt to have, and I had plenty of them. Add in the student loans and the idea that I would have a good job when I graduated college - I was screwed. I did get a good job, eventually, a few years later down the road and by that time my credit was worthless. I spent several years putting every extra dime into paying off my debts to get where I am now - debt free aside from my mortgage and I have excellent credit again. It was a long road that I wished I had learned more about before I graduated high school. I wished I had stayed with my parents while I went through college, but bad experiences made me desperate to leave. Add in getting married, pregnant for the first time, and divorced only mad it harder. Being a single mom was the biggest eye opener and motivation for me to work harder, find a better job, and get out of debt. Now I'm remarried and have another child, and so thankful that we're past the days of living paycheck to paycheck. I'm also thankful that I know, if need be, I could make it on my own a whole hell of a lot easier than I did before.

Credit cards... man, I’ve seen so many people devastated here. I remember in college seeing the banks out there offering credit cards to kids. What assholes. You know? They are adults, technically. But they don’t understand the ramifications of credit card debt. It’s predatory.

 

[hotwords229_A]

I think it boils down to two kid moments. When my mom said “Don’t touch that it’s hot” of course I touched it—how else would I know what hot is?

And that moment when I looked over the giant crevasse and thought, “I can make it”

Those moments sum up my financial experience. I was warned about debt and the evil of the credit card. I was taught to save my money and plan for the future, but it just isn’t in my nature. Like Stacy said it’s more about priorities. I took risks, I failed, I worked hard to get out of crippling debt and now I’m in a much better financial place. If I had listened to those who warned me I could have saved myself a lot of trouble, but I’m not the kid who walks the long way around the crevasse.

I’m just not.

I recently became interested in the stock market. Not long ago if you asked me about the stock market I would have collapsed from boredom, but now I’m into it. It seems like the perfect time to get in and I’m learning about it, reading, podcasts, videos, trial and error—now I’m totally into it. I’m not going to take a massive leap and end up at the bottom crying with broken bones (I’ve learned that much) but I’m now finally in a position to take an interest in my own future and try to think things through for once and be smart. Hopefully, it lasts, but if I screw it up again I’ll just fix it again.

That’s life.

 

[SassySheDevil]

F*@k Dave Ramsey. His methods work as long as nothing goes wrong in your life - like some Ritalin-high jackass running a red light at full speed while you have green left turn arrow. Might have saved a bit each month on car insurance but have fun fighting for months or even years with the other person’s insurance company (assuming they have insurance and enough insurance) and/or your own.

Oh, Happy Sunday, peeps!

Literally last week finished fighting my 6 1/2 year battle for a guy that rear ended me and my daughter. Fucking SUCKS!! I'm sorry.

 

[parker77]

money, way harder to make than it is to spend.

that’s all i’ve got to say about that.

 

[Lord Pmann]

One of my biggest money lessons came from a friend of mine, Scott. He was about 4 years older than me. When he turned 18, he got $30k from a settlement. I watched him blow through it in less than two months. He bought guitars, Dr Martens and Jncos. He bought a used truck for about $7k which was his only decent purchase. Other than that, blown on the stuff mentioned above.

I remember my friend James the Masturbator (that’s my nickname for him) and I saying... man, we’ve gotta learn stuff about finances so we don’t act like a fucking idiot.

 

[Dribble]

You can make all the right choices...and one life curve destroys 30 years of planning.

 

[Lord Pmann]

You can make all the right choices...and one life curve destroys 30 years of planning.

I think this is one of the saddest things. When something happens like this...

You’re right. You can plan. And mitigate risk. But you can’t avoid it 100% of the time.

 

[Orchidea73]

You can make all the right choices...and one life curve destroys 30 years of planning.

"Make plans. I dare you!"
- Life

 

[Booboobear84]

My parents considered it rude to discuss money or finances. It was just something that one didn’t do. So when I asked questions, I was scolded as if I’d not used proper manners or as if I’d said something in poor taste.

As I started working, I’d see my paycheck come in, and I knew about how much money I could spend and I managed accordingly. That wasn’t a problem. Where I ran into a snag was when I was a SAHM for a few years while my children were little. I didn’t have my finger on the financial pulse of our household anymore, so I didn’t think about my spending habits—which had changed significantly when our family grew. I ended up with some real debt and I learned the hard way how to tighten our budget and I’ve since worked off that debt but it took a while.

I am very conscious of how important it is to teach my children about money and budgeting, interest, debt...it’s a long list. What a disservice to not teach those basic lessons.

Bless you for breaking the cycle. That said money is a lot more taboo than sex

 

[Booboobear84]

Seems like a natural transition...

Money. We all need it. We all wish we had more of it. It takes a skill to manage it. Trekka mentioned she didn’t need a show to tell her rice and beans were cheap. Well, a lot of people do. There are plenty of people who make lots of money who are dead broke. Plenty of people who don’t make a whole lot of money who are doing just fine.

Schools don’t teach anything about personal finances. Most don’t, anyway. So how did you learn about money? Trial and error? Make a lot of mistakes and learn? Did you have parents who taught you the way, either by good or bad example?

Any advice you’d give young you in regards to money?


Money by Pink Floyd

https://youtu.be/-0kcet4aPpQ

The client I had made 500K per year always had money trouble. It's really about playing defense and watching you money. That was part of what the Millionaire Next Door discovered. It is a deeply researched book. That said, to me the important thing is it squares with my experience with tax and accounting clients (note that's my side hustle, I have a day job in high tech).

 

[Orchidea73]

Schools don’t teach anything about personal finances. Most don’t, anyway. So how did you learn about money? Trial and error? Make a lot of mistakes and learn? Did you have parents who taught you the way, either by good or bad example?

Parents. Don't spend more than you earn. Don't make a debt if you can't pay it back. But above all, savings, savings, savings, for bad days.

I would say that for me, money is a tool to make life easier and better. It's in my services, not the other way around.

 

[hotwords229_A]

That said, to me the important thing is it squares with my experience with tax and accounting clients (note that's my side hustle, I have a day job in high tech).

That’s funny, I have a night job in low tech (male prostitute)

 

[Rawhide_101]

That’s funny, I have a night job in low tech (male prostitute)

Things must be kinda tough right now . . . or did you transition to online?

 

[Suz_anne]

That’s funny, I have a night job in low tech (male prostitute)

Things must be kinda tough right now . . . or did you transition to online?

He gives good curbside service.

 

[Rawhide_101]

I am very conscious of how important it is to teach my children about money and budgeting, interest, debt...it’s a long list. What a disservice to not teach those basic lessons.

Agreed, 100%.

The problem arises when the "parents" have no idea about money, or how it functions.

I'm scared to think how many people have no idea how to balance a cheque book, let alone what that means.

 

[Rawhide_101]

He gives good curbside service.

I'm trying to imagine what that looks like . . . how would I provide curbside service and maintain an adequate social distance?! LOL

 

[hotwords229_A]

Things must be kinda tough right now . . . or did you transition to online?

He gives good curbside service.

The social distancing requires a lot of warm up stretching.
It’s an app called Uber-Meats.
And Ladies, if you act now and type in the promo code HOTBALLS your first orgasm is free.

 

[Lord Pmann]

Fantasies...

We all have them. Maybe they’re filthy. Maybe they’re taboo. Maybe they’re embarrassing. Some of them we want fulfilled. Some of them we want to remain in fantasy land, for whatever reason.

But over time, these things change. So my questions today- How have your fantasies changed over time? Do they look similar to 15 or 20 years ago? Do you have anything unfulfilled that you’re just dying to have done?

Also, feel free to list and disclose all your seediest fantasies here. That way I may judge you. I’m kidding. This is a judgment free zone.

Out of the Woods by Nickel Creek

https://youtu.be/-e0VkWRYaMI

 

[Rapha1979]

Fantasies...

We all have them. Maybe they’re filthy. Maybe they’re taboo. Maybe they’re embarrassing. Some of them we want fulfilled. Some of them we want to remain in fantasy land, for whatever reason.

But over time, these things change. So my questions today- How have your fantasies changed over time? Do they look similar to 15 or 20 years ago? Do you have anything unfulfilled that you’re just dying to have done?

Also, feel free to list and disclose all your seediest fantasies here. That way I may judge you. I’m kidding. This is a judgment free zone.

Out of the Woods by Nickel Creek

https://youtu.be/-e0VkWRYaMI

Oh god. This could get messy!

Not sure how much I’m prepared to say in public but my fantasies have definitely changed over the last 10-15 years, although there is one specific one which I was lucky enough to first indulge about 20 years ago and briefly flirted with again about five years ago which still remains a firm favourite.

There’s one that I’m not sure I would actually want fulfilled but otherwise, everything else that I fantasise about I either have or would be up for doing in real life. If I’m honest, most of the stuff that has been new in recent years has been triggered by watching porn or browsing on here. I grew up on girly magazines which would be considered so tame current standards that it’s taken a while for my fantasies to catch up with all of the stuff that I’d never heard of or even considered. It really is a life’s work just trying to keep up!