Do have any irresponsible MM fantasies?

[Marmee]

Not dirty ones I'm not even sure that's the right way to put it.

I have 2...

Selling everything we own, buying an RV & traveling until we run out of money. I am pretty sure we could last quite a while without jobs.

The other is to move back into our bungalow (we'd have no mortgage payment if we rent out our current home), get rid most of our stuff plus one of the cars & send the kids to public school. We could take awesome vacations 3-4times a year or achieve some other goals (like building a house we designed). It's pretty tempting until I remember how crowded it felt with just 3 kids there & it needs a kitchen remodel but living minimally, it'd be ok I think.

[aspentosh]

Pulling out money from retirement, having H take off work for two or three months, and just traveling around Europe, Africa and South America. I keep thinking "we are WAY ahead for retirement, so I'd only withdraw what would take us down to the recommended amount". Sigh.

Taking money from savings to redo our bathroom AND kitchen.

[cincodemayo]

Lol.

I had no desire to go to Disney nor do we have the cash to drop on that right now, but the posts here make me excited. So I fantasize about just throwing caution to the wind and putting it on credit. My kid is 13 months old, he doesn't need to go to Disney.

[cincodemayo]

Something that is actually feasible is that my H and I fantasize about opening a taproom or bar. Taprooms are uber popular in my area right now though so I think we missed the peak. Plus, we have little startup cash.

[ktw]

The most immediate one is dipping into our savings to redo the kitchen and master bath in our new house. Not going to do it because we haven't sold our current house, and while we can afford the two mortgages monthly (and are about to rent it out anyway), that doesn't give us the big chunk to replace what we took out of savings for the down payment on the new house. Oh well....

[Marmee]

Sept 22, 2014 20:19:10 GMT -5 @starry said:

Sept 22, 2014 20:15:52 GMT -5 cincodemayo said:

Something that is actually feasible is that my H and I fantasize about opening a taproom or bar. Taprooms are uber popular in my area right now though so I think we missed the peak. Plus, we have little startup cash.

I have an acquaintance that did this. She lives in Florida. It was a crapton of work but it is pretty successful now. But the amount of work she went through... not appealing. 

My brother did this too. It was like 8yrs ago when he opened his first bar. Now he has like 5 bars, a theater (small), coffee & record shop, an arts collective, a book/mag store and is part owner in a restaurant & just sold 2 bars & another restaurant. He's a workaholic now & didn't do much else his entire 30s.

[Brie]

Moving to a neighborhood down the road with gorgeous houses in the $1M range, even though our house is totally fine.

[Velar Fricative]

Faking my own death so I can get my student loans discharged.

[turkletsmom]

Whipping out the zero balance credit card and charging a fantastic trip to Europe. I've never carried a balance on a credit card and dammit it's time!!

[Yankees21]

H wants to open a brewery or tap house someday- he's big into homebrewing.

Both retiring early and traveling the world (ha)

[asoctoberfalls]

Ugh, I've probably committed most of my irresponsible fantasies! We recently decided to sell our house and build a new one even though we're not out of debt and we won't have a ton left in our emergency fund after the new house is built.

ETA: We signed the contract to build the new place before even listing our place, knowing full well we would be VERY VERY tight if we didn't sell our house.  Also, my DH's company was bought by another, and we don't know what will happen with his job. 

Luckily, we sold our house after 12 DOM and got almost full asking price for it.  And we can (barely) afford all our bills (including the new mortgage) on just my income if anything should happen to DH's job.

[estrellita]

-Just use CCs and go on all the trips we want. I can just pay it off over time, right? (if you knew me, this is totally not how I feel! I never use a credit card!)

-Say screw it and try to buy a house without much of a down payment. Saving up sucks when you don't have much extra money!

[Deleted]

Well considering we just emptied our entire savings to buy a house, that was a pretty big MM no-no.

But in semi-reality, I am working on convincing DH to over-extend our budget for a bit to buy some furniture and a minivan. Both things that are like 60% want 40% need.

[SJ]

Serious, lengthy around the world travel

A long trip all around the U.S., focusing on national parks

I guess time is the bigger constraint, not money.

[Deleted]

Buying a bigger house, having a second baby, quitting my job, keeping both children in childcare and pursuing a phd in history (which has very little economic value).

[whitepicketfence]

Sept 22, 2014 21:38:56 GMT -5 SJ said:

Serious, lengthy around the world travel

A long trip all around the U.S., focusing on national parks

I guess time is the bigger constraint, not money.

A lengthy trip around the world and traveling to all of the national parks is my answer, too.

Our issue is definitely money over time though, lol.

[sillygoosegirl]

I don't think living simply or spending savings on major travel are irresponsible. Those are still some of the best MM decisions we've ever made...

My irresponsible fantasies right now don't cost much, but what I wouldn't give for some ibuprofen and a couple glasses of wine.

[niq]

My irresponsible MM fantasy isn't reachable. Buy a villa at one of those swank spa resorts (Miraval, Lake Austin, Rancho la Puerta, etc.). It's like DVC, only with fewer children and more massages.

[heygrey]

Sept 22, 2014 20:37:24 GMT -5 @vicmo said:

My h wants to open a gaming store someday. Like dungeons and dragons. We might be the coolest couple ever, lol.

my h wants to open a comic book shop. his bff wants to open a board game shop. they talk about going into business together all the time. dnd would make it's way in there, too, since that's also high up on their list of nerd fun.

[sent]

Just throwing a dart at a map and buying any house. Or to be really irresponsible, buying a condo in VHCOL.

I don't feel like doing house research or renovations.

[EJSDJ]

just buying nicer things (clothes, makeup, house stuff) being cheap has become exhausting.
and a caribbean vacation

[leonard131]

Buy a bigger house on the water both at the beach and at home.

[Brie]

I thought of another one: quitting my job to attempt becoming a professional writer.

[vmars]

Selling our house and moving to Maui.

[Deleted]

Sept 22, 2014 20:12:44 GMT -5 @starry said:

My main fantasy would be majorly downsizing and living the Mr Money Mustache way (holla @shoegal). But I like nice things and am not that disciplined...

WOOT!  

Sometimes I want to throw in the towel on Early Retirement, quit my job, spend all the early retirement nest egg on travel, and just figure it out on the back end.

Then, I shake myself and remember that I am doing Early Retirement to do a version of that in about 117 months.  AHHHHH.

[kangaroo11]

We're doing a non-MM thing and decided today to add on a flagstone walkway to our front yard re-landscaping project. Yep, very non-MM.