What's the number?

[El Chupacabra]

Re: budgeting apps and the like -

Any of you use Mint or Personal Capital to track budgeting/ expenses/ investments? I looked at both, but am a bit wary of turning over all passwords + account info to a website.

Bump for this Q. Anyone?

[Marshall Tucker]

^ FWIW, I've kept a full-charge set of books on myself since grad school, self+wife/our family since marriage, north of 25 yrs. But then I'm a total accounting geek. Excel man, pivot tables. Roll my own. Loved one write plus when it first came out, but it went by the wayside long, long ago.

[Cruiser]

We've used Mint for years with no issues privacy wise. You do have to provide Mint access to your various accts if you want an accurate and complete picture of your financial situation. But that's the price you pay for having immediate access to such a nice complete dashboard type listing of all your financial info.

I love having all of our transactions listed on a widget on my tablet. I check it a couple of times a week to make sure that there's nothing irregular going on (like Mrs C dropping hundreds of $$ on those goddamned DVF and Tory Burch dresses that look so hot on her). And I dig the budgeting function because it really allows us to get some insight into where our money is going each month. Sure, the privacy concerns are valid. But, for us at least, the information we get is worth the risk.

[Meadow Skipper]

Another piece of my strategy is that I refuse to hire anyone to do anything I can do or figure out how to do. Painting, carpentry, auto repair, cooking shopping etc. That's put some serious coin back in my pocket and kept me out of trouble. In addition the management agreed to unlimited ski days as a part of my contract to be a full time house bitch.

Well played.

[Platinum Pete]

Re: budgeting apps and the like -

Any of you use Mint or Personal Capital to track budgeting/ expenses/ investments? I looked at both, but am a bit wary of turning over all passwords + account info to a website.

I used Mint and it had trouble with some of my accounts - it would get locked out and create blind spots. I didn't think the insights they provided, beyond the ledger, were that interesting or useful.
Personal Capital works better for me from a functionality perspective and I think it gives me a better holistic view.

[Bobby Stainless]

You never have enough.

[guroo270]

I'm just hoping my parents gift me their house or something. Otherwise I just figure I'll be dead by retirement age anyways. I'm not one of the guys going hudge on here or anything, I've just never really seen myself getting old.

Didn't think I'd make it to 30, really. No idea what this premonition is about. It's not really just poor planning, although I suffer from that as well. Just have this feeling I'll die from degenerative bone disease and subsequent skydive sans chute, freak aneurysm, plane crash, jumping in front of JER's bullets to save a life, etc.

[flatlander#2]

Esse quam videri "To be, rather than to seem (to be)"

"When I retire I'm leaving this shithole state and moving someplace where I'll really live with my big ass nestegg." How many people live a long time like this and oddly never find their happy. Me I choose to be happy now, you never know when death will get the drop on you and your kids remember you as a pissed off stressed out d-bag commuting to work sweatyshitville. While your wife remarries and moves someplace she always wanted to live.

[The Suit]

I'm wondering how you guys get to the sit and chill mode. I tried to retire in 2008, got bored after 10 days and started a new company. I'm not sure how anyone can sit on their hands and chlll there's too many ideas blasting around the old noggin

You lack versatility.

[The AD]

...would like about $200k-$250k/ year with no mortgage.

Wow, that seems high. Why do you figure you'll need that much per year?

[Art Shirk]

Wow, that seems high. Why do you figure you'll need that much per year?

This sounds trite, but likely because he wants the freedom to say "yes" anytime he needs to ask himself if he can afford something that will make him happy. I'm stuck somewhere between hoping I'm not destitute and hoping I can pay for my grandkids' college if I felt like it without cutting into my Beach house cocktail budget.

I'm unable to see a finish line yet, but will need to out of necessity soon. Everyone's made different and for me, pinpointing a number demotivates me whereas it may motivate others.

[BFD]

glad to see some support for 5000 to 7000 a month. that is what I am planning on. I agree with Flatlander I would never live somewhere for a job. Life is too short. I have never had a full time job or made allot of money. I always saved at least 10000 a year since I was 23. When other oppurtunities came around I had cash to take advantage of them. Easy to drive a $4000 car instead of a $40000. Anyway everyone is different and people value different things. I just wante to pont out that if you concentrate on your savings and adjust your spending to that goal you can still have a good lifestyle. 58 next month hopefully have the finacial goal locked down. Have a job I enjoy that lasts for a couple of months a year will continue with that as long as I still enjoy it.

[El Chupacabra]

Thanks for the feedback on Mint & Pers Capital. I'll look into these some more. It would be nice to have one consolidated spot that automatically tracks everything.

[wooley12]

I'm betting that $100k + $60k pension / SS does it. When it looked like the egg wasn't going to get any bigger we sold most of what we had, gave away the rest, got in the truck and headed west. Working better than expected so far.

[wicked_sick]

El Chup, I like "You Need A Budget." Rather than tracking where your money went, this app/program allows you to plan where each dollar is going to go, or what it's for. This method forces you to make a budget and stick with it.

[Todds]

Re: budgeting apps and the like -

Any of you use Mint or Personal Capital to track budgeting/ expenses/ investments? I looked at both, but am a bit wary of turning over all passwords + account info to a website.

I wouldn't give my account password to anyone. I don't care if you think they are trustworthy. They might get hacked.

[digitaldeath]

all time bootlicker thread

[Bobby Stainless]

all time bootlicker thread

How in the Holy Fuck is this a Bootlicker thread????

Do you even know what a Bootlicker is?

It's definitely not the crowd discussing how much cash they would need in the bank to quit working for the man.

[GeezerSteve]

haven't heard from this dude for awhile, wonder if 2large would still be enough.

I see Will from time to time. Good guy. He pulled that number out of his ass, and it wasn't the product of any informed analysis. Word is that he's got steady work these days, which is nice for him.

[digitaldeath]

How in the Holy Fuck is this a Bootlicker thread????

Do you even know what a Bootlicker is?

It's definitely not the crowd discussing how much cash they would need in the bank to quit working for the man.

there is nothing more bootlicker than discussing amazing riches while you plug along spit shining all the boots

the bootlicking is within the lie you tell to yourself, imagining great wealth and riches while you toil for the man. this is the psyop of the elite

pay you just enough so that you show up tomorrow

[digitaldeath]

thread title ought to be:

"what numbers should i pick?" The lotto

[Bobby Stainless]

there is nothing more bootlicker than discussing amazing riches while you plug along spit shining all the boots

the bootlicking is within the lie you tell to yourself, imagining great wealth and riches while you toil for the man. this is the psyop of the elite

pay you just enough so that you show up tomorrow

I'm self employed.

[frorider]

Meta bootlicker!

[iceman]

Meta bootlicker!

peace out

[Benny Profane]

Retired bootlicker.