Pay it off?

Not the 2 wives or 6 kids, but yeah I can pretty by what I want when want, don’t need a credit score or a loan.

 

White, my dealer had all 3 available but I liked the white the best.

 

Absolutely agree

 

Yeah so can I, but I don’t come on the internet to brag about it either. To each there own

 

Paid off truck in 2019
Maxed out 401k for 2019
Maxed roth IRA 2019/(2020 in april as well)
You know how hard it was to NOT buy shit, especially on this website ??

No helpful purpose to this post I just had a fantastic year $ wise

 

You forgot two 4 wheelers, but one is a parts machine because after a 24 pack of Bud Light they stuffed it into a tree stump trying to impress the wife's friend Cheryl. The husband and ATV slayer has the hawts for Cheryl because she works at the local c-store and knows what kind of cigarettes he's going to buy. She wears them tight fittn jeans that he likes and she's lonely because she's married to a OTR truck driver. Somewhere there's a blue tick chewing the arm off a sofa, back at the Champion Double Wide princess model. It's too bad the damage insurance from Ashley Furniture doesn't cover this. That's Cheryl's place it has the Pontiac Grand Pam in the drive

 

Great choice. Just got a white OR last week and the moment I saw it in my driveway I knew I made the right call on color. Came from a white hatchback too

 

Yeah once you look into detailing tools and products, and then this forum... Open up thy wallet!

 

HA

True, I didn't win mine in a bench press contest.

I walked into the dealership, unzipped and laid my glorious 3rd member on the front desk. Every woman in a 25yd radius immediately became pregnant and every man went permanently blind.

I pointed at the truck I wanted, they threw me the keys and wrote me a check for $50,000 as a thank you for choosing them. I hopped in, fired up the taco and did a burn out the entire way home.

 

Not easy to max 401k, it’s $10hr from my check every week to max it yearly. Last couple years I’ve maxed it by mid November and it’s like I got a huge raise for the last month and a half.

But I live near SF and even with cash saved and good job housing is too expensive to buy.

 

Well if my post implies that

Cool.. white is one color I get a lot on my trucks

 

As SR manual transmission owners, we do have massive 8.75" 3rd members, so there's that...

 

This may have been covered, but I'd say pay it off. I paid off my 16 over the summer, I owed more than 8k on it. Check out Dave Ramsay sometime on YouTube. The beginning of his baby steps system is this-
1) Save a $1k emergency fund
2) Pay off all debt except the mortgage
3) Save 3-6mos liquid cash emergency fund
4) Put 15% into a Roth IRA
...and so on. The first 2 are the hardest. I'm on #3 and it's also tough because I think I have money now and it's hard to stay disciplined. Good luck!

 

Uhhh. Everything I’ve posted is true. I have my taco debt, 12k on my wife’s grand Cherokee and a mortgage. That’s it. I live in Oklahoma, cost of living is cheap, my wife and I bought a nice modest relatively Inexpensive house, we just live within and slightly below our means.

 

I'm in the same boat with mine but my rate is only 0.9% so not nearly as imperative. I live in Columbus where the real estate market is hot so I have opted to keep my cash handy since I'm always looking to buy investment properties... Essentially, to make cash I need to have cash on hand.

If my rate was over 4% and I wasn't in real estate, I think smartest move would be to pay truck off asap.

 

Take the cash, re-invest into something you can re-sell.

 

What about trying to double it at the slots?

 

19.5k in 2019 and 20k in 2020 if I remember correctly, that includes employer though.

White is not the easiest color to keep clean but it is only one step below (silver), and worth it in my opinion. I think the white looks way better than the silver.

And a shade tree paint job with rattle cans will be sufficient to patch white.

Yeah but once it's paid off all you get is a Cherokee. been there done that with jeeps before. That's why I didn't get another one.

Otherwise I agree. Know your means and work within them. That's all you can do. For some, that means nice ish houses and fancy trucks. For others that beater rigs and double wides. Nothing wrong with it, just know what you can handle and afford.

 

Put it all on red!!

 

Yikes! 4.74% on a new car loan is actually quite high. Pay that loan off asap.