No Noise Money

Worked 20+ years in finance sacrificing time and peace | Now I help people build wealth without burning out | Daily email + private resource library

[Holy Ghost @HolyGhost_HG]

👣 Spirit-Life: You chose the right job and eventually chose the right house to live in, do yourself a favor and choose the right WIFE, to the Non-eunuch generation.

[Holy Ghost @HolyGhost_HG]

🚨 Spirit-Alert: Don't allow God to teach your NEIGHBOR a lesson and you become the VICTIM.

You cannot be used as a pawn to a man's rising, lean on the HOLY SPIRIT.

[No Noise Money @NoNoiseMoney]

Money is less expensive when there is more

[Holy Ghost @HolyGhost_HG]

The way to success is a path of both perfect and imperfect decisions.
Every successful story had difficulties. If I overcame mine difficulties, I strongly believe you can because of the help from above.

[No Noise Money @NoNoiseMoney]

Money is less expensive when there is more

[Holy Ghost @HolyGhost_HG]

🚨Spirit-Alert: Respect before marriage is the only proof you get. Someone who pushes past your no now will not become gentle after the wedding. I know people leaving in this nightmare.

[No Noise Money @NoNoiseMoney]

@sircalebhammer Leave $12 on the card and the free month is already gone.

Grace period usually covers new purchases only if the prior cycle hit $0. After that, every DoorDash charge accrues from the post date, which is how a normal week becomes an audit.

[Holy Ghost @HolyGhost_HG]

👣Spirit-Life: If you need sex to keep the relationship, you do not have a relationship. You have a transaction with a countdown. I have watched that countdown end a marriage that never got a fair start.

[No Noise Money @NoNoiseMoney]

The payment is not the price.

A $550 car note looks fine until you add full coverage, tires, registration, and the first-year drop.

Plenty of new cars lose enough value in year one that the loan is larger than the car while the note still looks reasonable.Same pattern on a house.

The rate gets the headline. Taxes, insurance, and maintenance sit outside it and keep rising after you close.

Price the whole thing, not the number someone wants you to remember.

[No Noise Money @NoNoiseMoney]

The payment is not the price.

A $550 car note looks fine until you add full coverage, tires, registration, and the first-year drop.

Plenty of new cars lose enough value in year one that the loan is larger than the car while the note still looks reasonable.Same pattern on a house.

The rate gets the headline. Taxes, insurance, and maintenance sit outside it and keep rising after you close.

Price the whole thing, not the number someone wants you to remember.

[Caleb Hammer @sircalebhammer]

6-Figure Salary Couple Spends All Their Money on Luxury Cars

[No Noise Money @NoNoiseMoney]

@sircalebhammer They answered with the monthly payment. That is the number the dealer wanted.

Full coverage, tires, and the first-year drop sit outside that figure. Plenty of new luxury cars lose enough value in year one that the loan is larger than the car while the note still looks fine.

[No Noise Money @NoNoiseMoney]

My dad says he bought his house at 16 percent so I have no excuse at 7.

Being the loving son I am, I showed him the part he skips. His place cost three and a half years of pay...

[No Noise Money @NoNoiseMoney]

The one I’m looking at costs five, and that’s before the loan I still carry that he never had.

He said rates were the hard part.

I said the price was.

He went quiet, then told me to stop listening to people on the internet who do the math.

[No Noise Money @NoNoiseMoney]

My dad says he bought his house at 16 percent so I have no excuse at 7.

Being the loving son I am, I showed him the part he skips. His place cost three and a half years of pay...

[Caleb Hammer @sircalebhammer]

Oil Field Worker Making $100k Got Injured on The Job

[No Noise Money @NoNoiseMoney]

@sircalebhammer Oil field gross is overtime, per diem, and bonus.

The comp wage base often drops those and uses a smaller average weekly wage. That is how a $12,000 month turns into a $440 week before the state cap even applies.

[No Noise Money @NoNoiseMoney]

@ClarkHoward The hike does not raise the rate on the account you already have.

Your bank sets the APY, and most big banks still pay near 0.01% after a Fed move.

The $390 is what $10,000 earns at about 3.90% only if a bank is already offering that.

[No Noise Money @NoNoiseMoney]

In 1985 a median house cost $82,800 against a $23,620 household income, or 3.5 years of pay.

By 2025 the same measure stood at $416,900 against $83,150, or 5.0 years.

A worker saving 10 percent of that income after taxes and rent needed roughly nine extra years just to reach the larger down payment, even before higher rates raised the monthly bill on the bigger loan.

The arithmetic left the same full-time job able to clear the threshold in one decade and miss it in the next.

[No Noise Money @NoNoiseMoney]

In 1985 a median house cost $82,800 against a $23,620 household income, or 3.5 years of pay.

By 2025 the same measure stood at $416,900 against $83,150, or 5.0 years.

A worker saving 10 percent of that income after taxes and rent needed roughly nine extra years just to reach the larger down payment, even before higher rates raised the monthly bill on the bigger loan.

The arithmetic left the same full-time job able to clear the threshold in one decade and miss it in the next.