What made you happy today?

[TAC]

It's not like you, Chad and I pour cristal on our bitches. 

What does that even mean?

[Stadler]

It's not like you, Chad and I pour cristal on our bitches. 

What does that even mean?

I feel like it's going to be something we can't unhear. 

[KevShmev]

Can I jump in here and say that my really good annual review and nice healthy raise I got at work yesterday made me happy? 

And it also made me very appreciative as well, as I know it has been a really rough year for a lot of people who have lost their jobs. I am one of the lucky ones and I damn well know it.

[King Postwhore]

It's not like you, Chad and I pour cristal on our bitches. 

What does that even mean?

This is the Timiest thing you've ever said.

[cramx3]

I have so much PTO this year that is use or lose, I kicked ass at work for four days this week, now I'm off for the next 15 days.  Staycation for me, but I'm happy to disconnect for a bit from work and do some things around the house. I've got some plans I may try out with redoing my office, got my new standing desk from amazon (2/3 paid for by work).

[H2]

I just got a major invitation to contract with a university to develop digital courses in my discipline! A big surprise and I'm so thrilled. This, coming just a week after learning I got a software engineering internship. And meeting a girl with whom I've got some nice chemistry. Life--to put it in the words of Bill and Ted--is not bad.

[Stadler]

I have so much PTO this year that is use or lose, I kicked ass at work for four days this week, now I'm off for the next 15 days.  Staycation for me, but I'm happy to disconnect for a bit from work and do some things around the house. I've got some plans I may try out with redoing my office, got my new standing desk from amazon (2/3 paid for by work).

You and me, bud.  I have off until the following Monday, and other than being outside, I may not leave my property once.   Well, I know I will once, to buy liquor.      Honestly, knowing I can't do the things I want to - bars, concerts - I have no desire to leave the house.  I have plenty to do here.

[pg1067]

It's not like you, Chad and I pour cristal on our bitches. 

What does that even mean?

And how does one pour crystal ("cristal"?)?  Liquid crystal?

[Stadler]

Clearly not a group of champagne drinkers....     

[The Walrus]

It's not like you, Chad and I pour cristal on our bitches. 

What does that even mean?

And how does one pour crystal ("cristal"?)?  Liquid crystal?

Crystal blue persuasion...

[King Postwhore]

It's not like you, Chad and I pour cristal on our bitches. 

What does that even mean?

And how does one pour crystal ("cristal"?)?  Liquid crystal?

It's like you've never seen a rap video before. 

[lordxizor]

TAC said something key: AT LEAST max out your company matching; that is free money.  There's no vacation, car, or clothes that is worth more than "free money".     After that it's personal preference/priorities.

It's not just free money, it's part of your overall compensation package. Turning it down is the same as voluntarily handing part of your salary back to the company. The only thing that should come before getting your company match in your 401k is paying off pay-day loans, which can run 100%+ interest. Your future self will thank you profusely for getting that company match, investing in an index fund or target retirement fund, and never touching it until retirement.

[King Postwhore]

Too many people take loans off their retirement which is the worst move you can make. 

[lordxizor]

Too many people take loans off their retirement which is the worst move you can make. 

A loan is better than just pulling it out and paying the penalty and taxes, but yeah... don't touch your retirement investments. Just leave them alone and let them simmer on low for 40 years. You'll be sitting really pretty by that point even if you're in mediocre investments.

[H2]

How many people completely max out their retirement savings? I know about the 15% rule (15% of your gross goes to retirement), and I assume that most people aren't even doing that. But does anyone make it a goal to cap out investing in a Roth IRA and 401k every single year?

[The Walrus]

I have a checking account. 

[King Postwhore]

Too many people take loans off their retirement which is the worst move you can make. 

A loan is better than just pulling it out and paying the penalty and taxes, but yeah... don't touch your retirement investments. Just leave them alone and let them simmer on low for 40 years. You'll be sitting really pretty by that point even if you're in mediocre investments.

Either way it's not a smart move.

[Stadler]

It's not like you, Chad and I pour cristal on our bitches. 

What does that even mean?

And how does one pour crystal ("cristal"?)?  Liquid crystal?

It's like you've never seen a rap video before. 

Haha

[lordxizor]

How many people completely max out their retirement savings? I know about the 15% rule (15% of your gross goes to retirement), and I assume that most people aren't even doing that. But does anyone make it a goal to cap out investing in a Roth IRA and 401k every single year?

I max out my and my wife's Roth IRA every year ($6000 each) and put another $12k or so in my 401k. That's about all I can afford. I'll get to maxing out my 401k  as well eventually, but it will be a few years.

You are correct that most people don't do the 15%. Something like 40% don't even get the full employer match. And somewhere around half of people aren't saving a single penny for retirement.

[pg1067]

It's not like you, Chad and I pour cristal on our bitches. 

What does that even mean?

And how does one pour crystal ("cristal"?)?  Liquid crystal?

It's like you've never seen a rap video before. 

Very much like that.   

[King Postwhore]

 

I think you have a very good imagination pg.  LOL

[The Walrus]

A friend of the family just stopped by the shop and dropped us off a bunch of alcohol as a gift. I think my brother got some whiskey, my dad got a handle of Tito's, there's a case of Bud Light Platinum for my parents, a case of Yuengling (fuck yes!!), and I got a bottle of this! His family is like family to us, and that was so awesome of him.

EDIT: AND my new coffee table and rug arrived just in time, now assembled and laid out. Literally everything has gone perfectly this week. That simply doesn't happen. Should I be scared?

[King Postwhore]

STOP JINXING YOURSELF!

[H2]

You are correct that most people don't do the 15%. Something like 40% don't even get the full employer match. And somewhere around half of people aren't saving a single penny for retirement.

Now why is that? Is there research done on why those numbers are the way they are? Is it a lack of responsible personal finance habits mostly?

[jingle.boy]

A friend of the family just stopped by the shop and dropped us off a bunch of alcohol as a gift. I think my brother got some whiskey, my dad got a handle of Tito's, there's a case of Bud Light Platinum for my parents, a case of Yuengling (fuck yes!!), and I got a bottle of this! His family is like family to us, and that was so awesome of him.

EDIT: AND my new coffee table and rug arrived just in time, now assembled and laid out. Literally everything has gone perfectly this week. That simply doesn't happen. Should I be scared?

That’s a helluva nice gift, Mike. Pretty sure I’ve had that brand before. Not a terribly flattering first comment on that link tho!!   

[cramx3]

A friend of the family just stopped by the shop and dropped us off a bunch of alcohol as a gift. I think my brother got some whiskey, my dad got a handle of Tito's, there's a case of Bud Light Platinum for my parents, a case of Yuengling (fuck yes!!), and I got a bottle of this! His family is like family to us, and that was so awesome of him.

EDIT: AND my new coffee table and rug arrived just in time, now assembled and laid out. Literally everything has gone perfectly this week. That simply doesn't happen. Should I be scared?

That’s a helluva nice gift, Mike. Pretty sure I’ve had that brand before. Not a terribly flattering first comment on that link tho!!   

Well free booze is free booze, but  at that comment

[lordxizor]

You are correct that most people don't do the 15%. Something like 40% don't even get the full employer match. And somewhere around half of people aren't saving a single penny for retirement.

Now why is that? Is there research done on why those numbers are the way they are? Is it a lack of responsible personal finance habits mostly?

Well, the poorest 25% of people are going to have a difficult time finding anything extra to invest. But I suspect for most people its just poor financial habits. YOLO and all that.

[dparrott]

I got a blue Miami Heat vice shirt on sale, a special Dodgers WS book (gift), and a jewel case to hold the CD's for the new DT live album.  I gotta say it was a good day!

[Cool Chris]

Posted in The Investment Thread! to continue this discussion; seems like a good one and don't want to derail the happy in this one.

[TAC]

WMMHT? Finding this video..
https://www.youtube.com/watch?v=x8g7m7pPcUI

[wolfking]

I never have anything to add to this thread but what made me happy today?  Rain.  A Godsend for me this time of year for work.

Also a couple of Amazon deliveries waiting at home. 

[Podaar]

I never have anything to add to this thread but what made me happy today?  Rain.  A Godsend for me this time of year for work.

Phaw! Another tall tale from, Kade. It never rains in NSW!

[wolfking]

I never have anything to add to this thread but what made me happy today?  Rain.  A Godsend for me this time of year for work.

Phaw! Another tall tale from, Kade. It never rains in NSW!

I'm in QLD.   

[wolfking]

I never have anything to add to this thread but what made me happy today?  Rain.  A Godsend for me this time of year for work.

Also a couple of Amazon deliveries waiting at home. 

Continuing from this, one of the deliveries was a set of auto toothbrush heads I didn't order or pay for.  Seems like a may be part of a brushing scam by what I'm reading perhaps?  Not sure what to do now.

[TAC]

I never have anything to add to this thread but what made me happy today?  Rain.  A Godsend for me this time of year for work.

Also a couple of Amazon deliveries waiting at home. 

Continuing from this, one of the deliveries was a set of auto toothbrush heads I didn't order or pay for.  Seems like a may be part of a brushing scam by what I'm reading perhaps?  Not sure what to do now.

It’s the decay of the times we’re in.