Ugh. Old MM.

[bronxgirl]

I've never been back, but I'm tempted to check it out as entertainment.

[mskitkat]

At least they are thinking about retirement? Better then some people I know.

[KaraOrNot]

Jan 9, 2013 0:03:16 GMT -5 bronxgirl said:

I've never been back, but I'm tempted to check it out as entertainment.

There are so few posts, it isn't very entertaining (I just checked a few days ago, when someone linked to an old post).

[Deleted]

I haven't been back.

DH ordered something computer related last week. The guy he ordered from thought it was so cool that we lived in DR country.

[SJ]

Jan 9, 2013 7:33:24 GMT -5 @septimus said:

I haven't been back.

DH ordered something computer related last week. The guy he ordered from thought it was so cool that we lived in DR country.

I admit to taking a picture of DR's enormous house when I was in Nashville

[Deleted]

Tell them to come here! They'll get better advice

[ssmjlm]

I did see Jan8 in a couple threads back there.

But yeah, some of the advice is really, really bad.

[curbsideprophet]

I have not checked recently, but overall it was very sad last time I did.

[Deleted]

Jan 9, 2013 7:36:04 GMT -5 SJ said:

Jan 9, 2013 7:33:24 GMT -5 @septimus said:

I haven't been back.

DH ordered something computer related last week. The guy he ordered from thought it was so cool that we lived in DR country.

I admit to taking a picture of DR's enormous house when I was in Nashville

I had to google his house since you mentioned it.

Holy shit! And he apparently paid cash.

[nickyd2006]

I still post on the bump bf and wm boards, but when I went to mm it really doesn't show up for me. It's weird but I can't get to the mm board anymore.
I'm glad I'm back here again, after dd2 I just have not had time to come on here.

[Kore]

catsareniice is the board queen. That speaks volumes.

[SJ]

I hadn't been back in months but just popped over. The format stresses me out, not to mention the content.

I could post on every thread and correct the bad advice, but I just don't have the energy.

I am petty enough to be thrilled that the boards are still dead post-exodus.

[pamela]

Jan 9, 2013 8:22:27 GMT -5 papiercherri said:

Holy shit! And he apparently paid cash.

Of course he paid cash. He's nothing if not consistent.

[Deleted]

How much do you suppose the Nest misses us?

[Deleted]

Jan 9, 2013 8:22:27 GMT -5 papiercherri said:

Jan 9, 2013 7:36:04 GMT -5 SJ said:

I admit to taking a picture of DR's enormous house when I was in Nashville

I had to google his house since you mentioned it.

Holy shit! And he apparently paid cash.

there was a rainbow a few weeks ago and a friend took a picture with the angle of the rainbow ending on DRs house.



I think the house is gaudy

[mrshandy]

Everytime I go over there. I'm immediately frustrated with how slow it is. Proboards is awesomely fast. It makes posting so much better!

[bunnysmom]

I don't want to sound mean or judgy, but everytime I lurk on TN there seems to be have more, um, "trashy" people than before the exodus.

[womet]

Jan 9, 2013 13:33:33 GMT -5 mrshandy said:

Everytime I go over there. I'm immediately frustrated with how slow it is. Proboards is awesomely fast. It makes posting so much better!

I just ventured over there, and OMG it is so farking slow. And it doesn't format correctly on the first load.

[Awkward]

There's a weirdly high number of views on this post. THEY'RE WATCHING US.

Also, if you want the very best in Nest entertainment, read MommyLiberty's posts on P&CE. I highly recommend it.

[thatgirl2478]

ok - so what's the beef:

1. That she only has 1,000 set a side for retirement?
2. That she has ret in her 'e fund'?
3. That she has her 1,000 'retirement' in a vanguard targeted date fund?

[martygras]

For some reason I didn't feel really welcome on the old boards, glad to have the new boards.

[whitepicketfence]

Jan 9, 2013 9:06:18 GMT -5 Kore said:

catsareniice is the board queen. That speaks volumes.

LOL. That board doesn't stand a chance.

[nevermind]

Just to clear things up, DR's retirement advice is to put 15% of gross pay into retirement. He has you do the minimum in your 401K to get the employer match, then you go to a Roth. If you max that and haven't hit 15%, you go back and put more in your 401K

[SJ]

Jan 9, 2013 17:02:52 GMT -5 nevermind said:

Just to clear things up, DR's retirement advice is to put 15% of gross pay into retirement. He has you do the minimum in your 401K to get the employer match, then you go to a Roth. If you max that and haven't hit 15%, you go back and put more in your 401K

This is correct, and I very much agree with his order (401K to get match, then Roth, then back to 401K)

What many people here do NOT agree with is that you should not do this until all non-house debt is gone.

[Deleted]

Jan 9, 2013 17:02:52 GMT -5 nevermind said:

Just to clear things up, DR's retirement advice is to put 15% of gross pay into retirement. He has you do the minimum in your 401K to get the employer match, then you go to a Roth. If you max that and haven't hit 15%, you go back and put more in your 401K

But its Baby step 4-- AFTER you pay off your debt and then have 3-6 months in savings.

www.daveramsey.com/new/baby-steps/

[SJ]

Nevemind, did you come to this thread from the old MM?

[nevermind]

Jan 9, 2013 17:14:13 GMT -5 @iheartcosmos said:

Jan 9, 2013 17:02:52 GMT -5 nevermind said:

Just to clear things up, DR's retirement advice is to put 15% of gross pay into retirement. He has you do the minimum in your 401K to get the employer match, then you go to a Roth. If you max that and haven't hit 15%, you go back and put more in your 401K

But its Baby step 4-- AFTER you pay off your debt and then have 3-6 months in savings.

www.daveramsey.com/new/baby-steps/

Yep! At which point it's super easy to do because you're free from other payments.

Honestly, we've debated what to do on the retirement aspect of DRs plan (as I've posted here) and we are putting some into retirement even though we're on baby step #2. I understand why DR has you do it... I also understand why so many aren't comfortable with it. If we couldn't get out of debt in < 2 years while still contributing to retirement, we'd probably stop contributing completely to get out from under those debts and get our lives back to where we want to be.

[thatgirl2478]

Jan 9, 2013 17:17:10 GMT -5 SJ said:

Nevemind, did you come to this thread from the old MM?

Nah - I've seen her around before. And I promise I'm not her!

[nevermind]

Jan 9, 2013 17:17:10 GMT -5 SJ said:

Nevemind, did you come to this thread from the old MM?

Nope. But we are DR fans in our house. Mostly because we've tried other plans and this is the only one that is actually getting us on track. I have a hard time hating a man that is finally getting us out of debt

[Deleted]

Jan 9, 2013 17:18:45 GMT -5 nevermind said:

Jan 9, 2013 17:14:13 GMT -5 @iheartcosmos said:

But its Baby step 4-- AFTER you pay off your debt and then have 3-6 months in savings.

www.daveramsey.com/new/baby-steps/

Yep! At which point it's super easy to do because you're free from other payments.

Honestly, we've debated what to do on the retirement aspect of DRs plan (as I've posted here) and we are putting some into retirement even though we're on baby step #2. I understand why DR has you do it... I also understand why so many aren't comfortable with it. If we couldn't get out of debt in < 2 years while still contributing to retirement, we'd probably stop contributing completely to get out from under those debts and get our lives back to where we want to be.

um, see the other post. Some of us wont be debt free for years because there is simply too much. Educated people often have 200-300K in student loans. The time wasted not putting money into retirement will cost some people millions in retirement.

leveraging.
compounded interest.

look up those terms.