Lin

𝐂𝐥𝐢𝐩𝐩𝐞𝐫 | 𝐝𝐦 𝐟𝐨𝐫 𝐚𝐝𝐬

[Lin @_Lin_inc]

Caller: “I’m 26, about to get engaged, but my net worth is way higher than my girlfriend’s. Do I need a prenup?”

Dave Ramsey: “Okay, what does ‘different net worth’ actually mean?”

Caller: “$50K from my grandparents for a house, $50K in my truck, $165K across my 401K and accounts, $150K left in a college fund… She’s finishing PA school with about $120K in debt.”

Dave Ramsey: “And what are you making a year?”

Caller: “About $120k/yr.”

Dave Ramsey: “You’ve got around $600K to your name at 26… honestly? That’s not enough net worth to warrant a prenup. If you’re comfortable, skip it.”
$600K net worth at 26. Fiancée in PA school with debt. Dave says skip the prenup

[Lin @_Lin_inc]

@Tokyo_pi1 I feel bad for Hilary Duffy honestly
Poor woman didn’t know what happened

[Lin @_Lin_inc]

@Scar_gin I don’t have a problem with paying property taxes
But what exactly is the money being used for

[Lin @_Lin_inc]

@mrtbrgl Hi

[Lin @_Lin_inc]

I’m sorry, but the math just DOESN’T work anymore.

A lot of jobs are still paying somewhere between $15 and $21 an hour. Work 40 hours a week and you’re making roughly $2,600 to $3,640 a month BEFORE taxes.

Now go pay $1,500+ for rent. Throw in a car payment, utilities, gas, groceries and all the other random crap that somehow costs twice what you remember it costing.

And that’s before childcare. Car insurance. Health insurance. Student loans. Credit cards. An emergency. A flat tire. A trip to the doctor. Or God forbid you actually want to save some money and enjoy your life once in a while.

I’ve been a financial planner for almost 20 years, so I’m obviously a HUGE believer in budgeting and living below your means.

But there comes a point where telling someone making $18 an hour to “just budget better” is ridiculous.

You can’t Dave Ramsey your way out of $3,500 of monthly expenses when you’re bringing home $2,600.

Sometimes the problem isn’t the budget.

The income simply doesn’t cover the cost of being alive anymore.

[Lin @_Lin_inc]

@crypto_mooncity Hi

[Lin @_Lin_inc]

I’m sorry, but the math just DOESN’T work anymore.

A lot of jobs are still paying somewhere between $15 and $21 an hour. Work 40 hours a week and you’re making roughly $2,600 to $3,640 a month BEFORE taxes.

Now go pay $1,500+ for rent. Throw in a car payment, utilities, gas, groceries and all the other random crap that somehow costs twice what you remember it costing.

And that’s before childcare. Car insurance. Health insurance. Student loans. Credit cards. An emergency. A flat tire. A trip to the doctor. Or God forbid you actually want to save some money and enjoy your life once in a while.

I’ve been a financial planner for almost 20 years, so I’m obviously a HUGE believer in budgeting and living below your means.

But there comes a point where telling someone making $18 an hour to “just budget better” is ridiculous.

You can’t Dave Ramsey your way out of $3,500 of monthly expenses when you’re bringing home $2,600.

Sometimes the problem isn’t the budget.

The income simply doesn’t cover the cost of being alive anymore.

[Lin @_Lin_inc]

私のHOAは、ゴミ回収後1日間、通りからゴミ箱が見えていたため、私に500ドルの罰金を科しました。

支払いました。

2週間後、HOAの会長が私のドアをノックしました。

嵐で彼のフェンスが損傷し、彼は作業員が修理中に私の車道に駐車できるようにトラックを移動させてほしいと頼みました。

丁寧に「いいえ」と言いました。

彼は、隣人同士が互いに助け合うべきだと私に思い出させました。

私は、彼がゴミ箱のことで私に罰金を科したとき、同じ理解を示すことができたはずだと彼に思い出させました。

今、近所の人は私が恨みを抱いていると言っています。

私が間違っていたのでしょうか...それとも、彼は何も示さないのに親切を期待していたのでしょうか？

[Lin @_Lin_inc]

@Scar_gin Thank you my friend

[Lin @_Lin_inc]

私のHOAは、ゴミ回収後1日間、通りからゴミ箱が見えていたため、私に500ドルの罰金を科しました。

支払いました。

2週間後、HOAの会長が私のドアをノックしました。

嵐で彼のフェンスが損傷し、彼は作業員が修理中に私の車道に駐車できるようにトラックを移動させてほしいと頼みました。

丁寧に「いいえ」と言いました。

彼は、隣人同士が互いに助け合うべきだと私に思い出させました。

私は、彼がゴミ箱のことで私に罰金を科したとき、同じ理解を示すことができたはずだと彼に思い出させました。

今、近所の人は私が恨みを抱いていると言っています。

私が間違っていたのでしょうか...それとも、彼は何も示さないのに親切を期待していたのでしょうか？

[Lin @_Lin_inc]

@NicksonVibz Facts

[Lin @_Lin_inc]

@Julceee_ Right

[Lin @_Lin_inc]

@Tokyo_pi1 You know

[Lin @_Lin_inc]

@Ankara_inc You know now they tag me as a bad person

[Lin @_Lin_inc]

@Ankara_inc Arnold was just bitter Rambo was known by many

[Lin @_Lin_inc]

@Scar_gin Ffs, you can’t do the cleaning then you weren’t brought up well

[Lin @_Lin_inc]

@Tokyo_pi1 Now that’s reality

[Lin @_Lin_inc]

@Tokyo_pi1 Ofc I’ve always known raw eggs make no sense

[Lin @_Lin_inc]

@Ankara_inc Now you don’t say that to your dad, he paid your school fees and you got sacked so what do you expect from him aside yelling? And the guts to tell him to stop yelling. Insane culture. My Dad would’ve beaten the hell out of you

[Lin @_Lin_inc]

@Ankara_inc These directors need to be called out when they behave like monsters!

[Lin @_Lin_inc]

@Ankara_inc They did so great by standing up against him but they were so desperate for the money that they sold their dignity