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      "body": "https://steemitimages.com/0x0/http://simplegrownup.com/wp-content/uploads/2018/03/61.jpg\n\nAs I continue to work on my finances and best methods/practices to share with everyone. I've come across a pretty awesome strategy for managing your finances and getting ahead of the game. The guy's name is Dave Ramsey and his method is called the baby steps. It is a very conservative unsexy way of managing finances, but I can definitely agree with it, and comfortable enough to share it with the group. For me, it is a simple, clear, and low risk. So I thought I'd share. \n\nHis approach to finances is quite simple. Get out of debt, stay out of debt, save, invest and give. I love these principles and it aligns very closely with what I do, and have been on track to do. So here's his strategy in detail. \n\nBaby Step 0: Build a detailed written budget and follow it! \nBaby Step 1: Save up a mini emergency fund of $1000\nBaby Step 2: Wipe out all debt, but your home mortgage. (He wants you to get nuts and wipe it out quick.) Use the snowball method. Knock out the lowest debt first and pay min. on the others.\nBaby Step 3: Build a fully funded (3-6 months of expenses) emergency fund. This sits in a savings account (I know it hurt me to not put it in stock or real estate, but it feels good) and acts as an emergency shoot. \nBaby Step 4: Invest at least 15% of your income in retirement accounts\nBaby Step 5: Save for kids college (or your own)\nBaby Step 6: Pay off your mortgage early\nBaby Step 7: Grow your wealth and give. \n\nI love this simplicity as a base for financial planning and strongly recommend it. Now, Dave's politics lean more conservative and he's religious, but it doesn't get in the way of the clear logic, simplicity and proven success of these methods. If you have an issue with those ideals, please do look past it or go forward with an open mind when watching any of his videos on youtube. \n\nI hope this post was helpful and keep kicking butt in life! Have you done this process, or do you have a better approach? Would love to hear your thoughts!",
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      "body": "https://steemitimages.com/0x0/http://simplegrownup.com/wp-content/uploads/2018/03/61.jpg\n\nAs I continue to work on my finances and best methods/practices to share with everyone. I've come across a pretty awesome strategy for managing your finances and getting ahead of the game. The guy's name is Dave Ramsey and his method is called the baby steps. It is a very conservative unsexy way of managing finances, but I can definitely agree with it, and comfortable enough to share it with the group. For me, it is a simple, clear, and low risk. So I thought I'd share. \n\nHis approach to finances is quite simple. Get out of debt, stay out of debt, save, invest and give. I love these principles and it aligns very closely with what I do, and have been on track to do. So here's his strategy in detail. \n\nBaby Step 0: Build a detailed written budget and follow it! \nBaby Step 1: Save up a mini emergency fund of $1000\nBaby Step 2: Wipe out all debt, but your home mortgage. (He wants you to get nuts and wipe it out quick.) Use the snowball method. Knock out the lowest debt first and pay min. on the others.\nBaby Step 3: Build a fully funded (3-6 months of expenses) emergency fund. This sits in a savings account (I know it hurt me to not put it in stock or real estate, but it feels good) and acts as an emergency shoot. \nBaby Step 4: Invest at least 15% of your income in retirement accounts\nBaby Step 5: Save for kids college (or your own)\nBaby Step 6: Pay off your mortgage early\nBaby Step 7: Grow your wealth and give. \n\nI love this simplicity as a base for financial planning and strongly recommend it. Now, Dave's politics lean more conservative and he's religious, but it doesn't get in the way of the clear logic, simplicity and proven success of these methods. If you have an issue with those ideals, please do look past it or go forward with an open mind when watching any of his videos on youtube. \n\nI hope this post was helpful and keep kicking butt in life! Have you done this process, or do you have a better approach? Would love to hear your thoughts!",
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      "author": "dvcwulf",
      "body": "Done, let's build a community of great people!",
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      "body": "Thx",
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      "body": "Hello, i see You are new! Welcome on board! At steemit, beside publishing valuable content, You can engage in many activities with others, competitions with rewards like: Tasty Tuesday, Photo Friday, or contests, or even games! My favorite is: steemgar @steemplayroom. You get rewards even for 2nd and 3rd place. But! im here to encourage You to see where You can get support and even make some friends. You can get meritorical support and get upvotes of Your posts for example here, check this out: https://steemit.com/qurator/@qurator/qurator-3-0-update-post-guidelines-or-registration-details-or-tier-changes Here on steem, maybe its not visible right away, but we have many communities, and projects goin on. Well i dont want to overwhelm You with links, but worth mention is: https://steemprojects.com/ If You fell lonely You can engage in real time conversation and find where YOU can help in beautiful initiative called @steem-ua or here directly is great post about what they do: https://steemit.com/ua/@steem-ua/steem-ua-announcements-partnerships-and-exciting-news Go check them out. They have got discord chat with many channels of projects so You can look around where You can fit and contribute. Thank You for Your time, in community we belive! Keep Steemin'",
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      "body": "http://simplegrownup.com/wp-content/uploads/2018/03/81.jpg\n\nHello!\n\nBelow is a quick recap of the Kevin O’Leary event Kayla and I went on May 3rd. Photos included from the key takeaways from his presentation, and a link below to basically the same exact speech he gave at the event for your viewing.\n\nThe event was pretty similar to that of a timeshare presentation. The opening guy, who is some Hedge Fund manager I never heard of that is apparently on CNN a lot, and then a guy that teaches stock and options trading, but feels more like a sales guy. I feel a little bit like my time was wasted, but the idea of looking at stock options is now in my head for what I should start researching. Clearly, the objective of the seminar was at the core, to push their classes. They started with an introductory rate of $997, but I did some research while they were talking, and the customer reviews say that the $997 class is just a tease as they try to push you to take their $60,000+ courses.\n\nI admit, I was excited and initially signed up for the $997, but I quickly started to do my due-diligence and canceled it immediately. Controlling emotions can be tough for me as I do like to be impulsive, and these sales tactics totally play into the people like me. However, I reflected on the investing principles learned from other investors I listen to and read about, including Kevin O’Leary from his interviews. Which is funny, because it was completely counter information from what those guys were pitching.\n\nDon’t believe people that say they can consistently beat the market or have a way to consistently beat the market. Average returns are 7-9% in the S&P 500 and bonds is 3-5%. Here are a few things that concerned me…\n\n1) This guy said he consistently beat the market by 20%+. Sometimes over 250%. Huge red flag!\n\n2) The worst you can lose in buying options (call or put) is your gain. You can’t lose the principle. Which I found out was not true. If you hold onto an option for a long period of time and it expires. You lose the money you pay to keep the option open if you don’t sell. You may not lose as much as a stock going to $0, but you still can lose money.\n\nNote: I am still learning this whole process, but that is what I have gotten from Moneyweek and other videos on options. \n3) They said they were going teach us tactics and the know-how. They did none of that. Just blasted the audience with charts and played to people’s greed and fears.\n\n4) Absolutely no questions direct from the audience. They blame time management, I think it’s more the speakers don’t know much else from their script.\n\n5) Kevin’s presentation had nothing to do with what they were saying and was a word for word presentation of what I have seen him present online. It felt like I was watching a puppet perform rather than an engaging session on investing.\n\nSo that is what I got out of it, and Kevin’s slides had some good key themes for good pitches and entrepreneurship, which is why I am even sharing them on this post.\n\nThe thing that honestly hurt out of this presentation, was reflecting back and seeing the audience. Specifically, the elderly that were there. Many there were people that clearly didn’t build a retirement, low income and were in less than ideal situations. For that, this felt heartbreaking and a bit wrong. These people will likely be set up for failure and lose at least their $997. I wish these people well and I hope the blogs and reviews I read on that company are wrong. I just couldn’t be sold to commit. If anyone, has gone to the Interactive Investor classes and they are great, let me know what the experience was like and what you learned.\n\nI hope this painted a picture of the event and added some value. Have a great weekend!\n\nKevin O'Leary on Investing: \nhttps://www.youtube.com/watch?v=9PMkgtwMkxc\n\n![31519998_967183126771369_543544281860669440_n.jpg](https://cdn.steemitimages.com/DQmbT4BMzeRDgGHfJYXv6ArKT257j1fPDRShjqW98awtaEy/31519998_967183126771369_543544281860669440_n.jpg)![31890945_967183130104702_2073267085571522560_n (1).jpg](https://cdn.steemitimages.com/DQmPr33SEmDmFHRqDZmQQBkk9jCQNQ1n9pKkTCbeozCATBo/31890945_967183130104702_2073267085571522560_n%20(1).jpg)![31899279_967183180104697_8078721221920817152_n.jpg](https://cdn.steemitimages.com/DQmT4qeUcz8dEyx8Xar7bnwUXFYiGBzxu2ULvn9QwzM4bcm/31899279_967183180104697_8078721221920817152_n.jpg)![31936696_967183173438031_6618875783769227264_n.jpg](https://cdn.steemitimages.com/DQmdBidPKkcuUppt4QM4JzM9K6p69oujZFJLjD7yDyEy3qG/31936696_967183173438031_6618875783769227264_n.jpg)",
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      "body": "Thank you! :)",
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      "body": "http://simplegrownup.com/wp-content/uploads/2018/03/61.jpg\n\n\nIn the link below you will be able to download the Simple Grown Up Budget template. There you can manage your budget and auto calculate your monthly cash flow. If you have any feedback, please send in the comments or directly to me. \n\nhttp://simplegrownup.com/wp-content/uploads/2018/07/Simple-Grown-Up-Monthly-Budget.xlsx",
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      "body": "http://simplegrownup.com/wp-content/uploads/2018/03/61.jpg\n\nClick the link below to download the Rental Income Cash Flow Analysis template for Excel. Use this to help you calculate rental ROI while looking for future income properties. \n\nhttp://simplegrownup.com/wp-content/uploads/2018/07/Simple-Grown-Up-Rental-Investment-ROI-Template.xlsx",
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      "body": "http://simplegrownup.com/wp-content/uploads/2018/06/Julia.png\n\nLast year I was laid off from my employer. Out of excitement for 2 months of paid severance and about $10,000 in fun money, and kind of a fuck it mindset, I decided to buy one of my dream cars, a Scion FRS. It was a bit of a mid-life crisis impulse buy at $18,000, but \"treat yo self\", right? Any I did! I financed the car for the first few months and then paid it off in cash.\n\nFor the first few months I actually felt amazing. I loved the car, named her Julia, made plans for upgrades, sped up to 100mph at any chance I got. I felt like I was Batman! I was racing through traffic as if I was chasing the Joker. However, that feeling began to quickly fade. After 4 months and a new job, Julia was only being driven every other weekend. Then 2 months passed by and I didn't driver her at all.\n\nI was into my 8 months and then I started to drive her to work to show off, which was convenient,because at the time I didn't pay my tabs on my commuter car and was feeling too lazy to stand in line. After 1 month of driving Julia, I noticed new scratches, dents, and grime from the commute drive. So, I decided to go back to weekends only. Now I am into 12 months of ownership and I am just over her. I have completely lost interest. Then I started to think about the potential financial waste I was creating.\nWhat was the monthly cost of even having the car seat and do nothing? So, I decided to crunch the numbers and see if Julia is really worth having at all. Here was my process.\n\nHow much did a month it cost to have her on my insurance? $145\n\nHow much was regular monthly maintenance? Including car washes, oil, etc? ~$100\n\nHow much was gas each month? Sporty car required premium gas? ~$30 (driven 12 days a month)\n\nSo roughly $275 a month or $3,300 a year.\n\nThat didn't seem to bad, but then I had a kick to the gut. I looked at the KBB on my car value and it was $12,500. I had lost over $5,000 in value after 13 months of ownership. The more I drove it, the more the value was going out the door. So, I decided to sell Julia and recoup what cash I could from my stupid purchase.\nUnfortunately, the dents and scratches did not count in my evaluation and I ended up selling at $11,000 through a dealership, which was fine honestly. I didn't want to deal with a million cheapos on craigslist and wasn't going to spend as much time into advertising. I sourced the car to 3 dealers and $11,000 was the best price with the least amount of work (my kind of deal).\n\nAfter selling Julia, I Ubered home and invested the $11,000 check. It has been 2 months since I invested the cash and am now seeing a monthly return of $139.70 a month and it is growing as I continue to compound those dividends.\nI learned from this experience, were quite a few things about myself.\n\nStuff only interests me for a pretty short time. Stuff just isn't as important to me as I thought. Next time I might rent a car if I want to drive something fast for a day. I will stick to practicality over sport and style.\nEven cars with no payment and barely driven can affect your budget and future financial goals pretty significantly. Especially if you don't use it for work or to generate any income.\n\nThis experience and self-assessment has helped me build some barricades to prevent myself from impulse buying\nI hope this learning will help prevent you from making the same impulsive mistakes I have made.",
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      "body": "http://simplegrownup.com/wp-content/uploads/2018/06/Julia.png\n\nLast year I was laid off from my employer. Out of excitement for 2 months of paid severance and about $10,000 in fun money, and kind of a fuck it mindset, I decided to buy one of my dream cars, a Scion FRS. It was a bit of a mid-life crisis impulse buy at $18,000, but \"treat yo self\", right? Any I did! I financed the car for the first few months and then paid it off in cash.\n\nFor the first few months I actually felt amazing. I loved the car, named her Julia, made plans for upgrades, sped up to 100mph at any chance I got. I felt like I was Batman! I was racing through traffic as if I was chasing the Joker. However, that feeling began to quickly fade. After 4 months and a new job, Julia was only being driven every other weekend. Then 2 months passed by and I didn't driver her at all.\n\nI was into my 8 months and then I started to drive her to work to show off, which was convenient,because at the time I didn't pay my tabs on my commuter car and was feeling too lazy to stand in line. After 1 month of driving Julia, I noticed new scratches, dents, and grime from the commute drive. So, I decided to go back to weekends only. Now I am into 12 months of ownership and I am just over her. I have completely lost interest. Then I started to think about the potential financial waste I was creating.\nWhat was the monthly cost of even having the car seat and do nothing? So, I decided to crunch the numbers and see if Julia is really worth having at all. Here was my process.\n\nHow much did a month it cost to have her on my insurance? $145\n\nHow much was regular monthly maintenance? Including car washes, oil, etc? ~$100\n\nHow much was gas each month? Sporty car required premium gas? ~$30 (driven 12 days a month)\n\nSo roughly $275 a month or $3,300 a year.\n\nThat didn't seem to bad, but then I had a kick to the gut. I looked at the KBB on my car value and it was $12,500. I had lost over $5,000 in value after 13 months of ownership. The more I drove it, the more the value was going out the door. So, I decided to sell Julia and recoup what cash I could from my stupid purchase.\nUnfortunately, the dents and scratches did not count in my evaluation and I ended up selling at $11,000 through a dealership, which was fine honestly. I didn't want to deal with a million cheapos on craigslist and wasn't going to spend as much time into advertising. I sourced the car to 3 dealers and $11,000 was the best price with the least amount of work (my kind of deal).\n\nAfter selling Julia, I Ubered home and invested the $11,000 check. It has been 2 months since I invested the cash and am now seeing a monthly return of $139.70 a month and it is growing as I continue to compound those dividends.\nI learned from this experience, were quite a few things about myself.\n\nStuff only interests me for a pretty short time. Stuff just isn't as important to me as I thought. Next time I might rent a car if I want to drive something fast for a day. I will stick to practicality over sport and style.\nEven cars with no payment and barely driven can affect your budget and future financial goals pretty significantly. Especially if you don't use it for work or to generate any income.\n\nThis experience and self-assessment has helped me build some barricades to prevent myself from impulse buying\nI hope this learning will help prevent you from making the same impulsive mistakes I have made.",
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      "body": "http://simplegrownup.com/wp-content/uploads/2018/04/Luxe-1.jpg\n\n\nLike any practice or skill you develop, you must learn the fundamentals and the language of that practice. This is as true for learning to invest and grow your wealth, as it is for learning Opera or IT support.\n\nUnderstanding terminology is critical to help you navigate through the inner workings of systems, theories and the language of money. So, in this post we will touch on the 6 Investment Terms You Should Know before you invest your hard-earned money.\n\nThis post will help you understand common terms used when discussing your retirement accounts such as a 401k, Traditional IRA, ROTH IRA, etc. Of course, there are many more terms to learn, and this is the tippiest tip of the iceberg in personal finance. I will have more posts on this in the future but feel free to check out Investopedia.com and let your curiosity grow your mind.\n\nSecurity\n\nLet's start with a common term you probably hear everywhere. Security! You know they don't mean mall security or Sears security (RIP Sears). So what does it mean? Basically, it's a broad term that's either a certificate or another financial instrument that has monetary value and can be traded. Your stocks, bonds, debts, etc. Now you know, when someone says security in a financial sense, it's not them asking you to leave. Unless they did and you refused to.\n\nCompounding\n\nCompounding is something so simple, but so magical when investing. Basically, it's interest or dividends that payout based on the balance of your investment and slowly grows over time. For example, if you have $100 in your savings and it pays out 1% a month. Month one you make $1, bringing your savings account to $101. Then, the next month it pays out 1% of the $101 earning you $1.01. Adding that to the balance and it continues to slowly grow over time. It's like friggin magic. Think of it this way, the longer you can take advantage of compounding, the higher the income potential for retirement. Be aware though, compounding works just the same for debt. I have another blog post planned for that one.\n\nETFs \n\nAn ETF, or exchange-traded fund, is a security that tracks an index, a commodity, bonds, or a bunch of assets, similar to a mutual fund. However, unlike mutual funds, an ETF trades like a common stock on a stock exchange and can have far fewer fees or minimum cash requirements. ETFs, go through price changes throughout the day as they are bought and sold just like a stock. A great benefit for ETFs is that you can own a piece of some of the greatest companies, taking advantage of growth across industries and potentially taking on less risk and fewer fees over the long term, depending on the security you purchase. A great example of an ETF is the Vanguard Dividend Appreciation or VIG which includes companies like Microsoft and PepsiCo but also pays out a quarterly dividend.\n\nDIVs  'Derived Investment Value (DIV)'\n\nThis is a valuation methodology used to calculate the present value of future cash flows of liquidated assets, fewer expenses associated with the liquidation process blah blah blah. It's simple. These are securities that pay you to invest in their security. Similar to interest in a bond, stocks that pay dividends puts money back into your account the longer you hold onto it. Following Kevin O'Leary's methodology, I don't invest in a paper asset, unless it pays interest or a dividend. It even feels like less risk and you can compound those dividends over time to grow your account. Depending on the stock or ETF, you could receive monthly DIV payments monthly at an annual return of 7-10%. That is just in dividends! I love my dividend-paying assets.\n\nBonds... James Bonds...\n\nThink of a bond like a loan from the bank, but investors (you) act as the bank. The whole purpose of the bond is for raising capital by borrowing. The US government, states, cities, corporations, and many other types of institutions sell bonds. This is a promise to repay the principal (amount borrowed) along with interest (or coupons) on a specified date (known as maturity). Not all bonds are created equal and some do not pay interest, so be aware of that when investing in bonds. No matter what though, they have to pay back what they owe. Also note that unlike stocks, when an investor buys a bond, they don't get any kind of ownership rights over the entity that is borrowing the money. Bonds are typically low risk and have low return rates compared to stocks, but they are a great equalizer when trying to mitigate risk in your portfolio.\n\nMutual Funds (Not so funds)\n\nMutual funds are professionally managed (known as active managed) and are funded by investors. Now, although there can be low-cost mutual funds there are some things to be aware of because financial planners (sales pros) really push people to buy these, even if it is not in the best interest of the client. These buggers can be loaded with hidden fees that eat at your compound growth potential, and if they pick the wrong stocks, you lose out while they still get you with fees. I've heard a lot of experts talk about mutual funds in such a negative light, and there's a lot of facts to support it. To each your own, but I avoid them like the plague.\n\nOf course there are plenty of terms in the personal finance world, and eventually, I plan to cover all of them. However, this is the first step for you and moving in the right direction. Happy investing!",
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      "body": "Last year I was laid off from my employer. Out of excitement for 2 months of paid severance and about $10,000 in fun money, and kind of a fuck it mindset, I decided to buy one of my dream cars, a Scion FRS. It was a bit of a mid-life crisis impulse buy at $18,000, but \"treat yo self\", right? Any I did! I financed the car for the first few months and then paid it off in cash.\n\nFor the first few months I actually felt amazing. I loved the car, named her Julia, made plans for upgrades, sped up to 100mph at any chance I got. I felt like I was Batman! I was racing through traffic as if I was chasing the Joker. However, that feeling began to quickly fade. After 4 months and a new job, Julia was only being driven every other weekend. Then 2 months passed by and I didn't driver her at all.\n\nI was into my 8 month and then I started to drive her to work to show off, which was convenient, because at the time I didn't pay my tabs on my commuter car and was feeling too lazy to stand in line. After 1 month of driving Julia, I noticed new scratches, dents, and grime from the commute drive. So, I decided to go back to weekends only. Now I am into 12 months of ownership and I am just over her. I have completely lost interest. Then I started to think about the potential financial waste I was creating.\nWhat was the monthly cost of even having the car seat and do nothing? So, I decided to crunch the numbers and see if Julia is really worth having at all. Here was my process.\n\nHow much did a month it cost to have her on my insurance? $145\n\nHow much was regular monthly maintenance? Including car washes, oil, etc? ~$100\n\nHow much was gas each month? Sporty car required premium gas? ~$30 (driven 12 days a month)\n\nSo roughly $275 a month or $3,300 a year.\n\nThat didn't seem to bad, but then I had a kick to the gut. I looked at the KBB on my car value and it was $12,500. I had lost over $5,000 in value after 13 months of ownership. The more I drove it, the more the value was going out the door. So, I decided to sell Julia and recoup what cash I could from my stupid purchase.\nUnfortunately, the dents and scratches did not count in my evaluation and I ended up selling at $11,000 through a dealership, which was fine honestly. I didn't want to deal with a million cheapos on craigslist and wasn't going to spend as much time into advertising. I sourced the car to 3 dealers and $11,000 was the best price with the least amount of work (my kind of deal).\n\nAfter selling Julia, I Ubered home and invested the $11,000 check. It has been 2 months since I invested the cash and am now seeing a monthly return of $139.70 a month and it is growing as I continue to compound those dividends.\nI learned from this experience, were quite a few things about myself.\n\nStuff only interests me for a pretty short time. Stuff just isn't as important to me as I thought. Next time I might rent a car if I want to drive something fast for a day. I will stick to practicality over sport and style.\nEven cars with no payment and barely driven can affect your budget and future financial goals pretty significantly. Especially if you don't use it for work or to generate any income.\n\nThis experience and self-assessment has helped me build some barricades to prevent myself from impulse buying\nI hope this learning will help prevent you from making the same impulsive mistakes I have made.",
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      "body": "Last year I was laid off from my employer. Out of excitement for 2 months of paid severance and about $10,000 in fun money, and kind of a fuck it mindset, I decided to buy one of my dream cars, a Scion FRS. It was a bit of a mid-life crisis impulse buy at $18,000, but \"treat yo self\", right? Any I did! I financed the car for the first few months and then paid it off in cash.\n\nFor the first few months I actually felt amazing. I loved the car, named her Julia, made plans for upgrades, sped up to 100mph at any chance I got. I felt like I was Batman! I was racing through traffic as if I was chasing the Joker. However, that feeling began to quickly fade. After 4 months and a new job, Julia was only being driven every other weekend. Then 2 months passed by and I didn't driver her at all.\n\nI was into my 8 month and then I started to drive her to work to show off, which was convenient, because at the time I didn't pay my tabs on my commuter car and was feeling too lazy to stand in line. After 1 month of driving Julia, I noticed new scratches, dents, and grime from the commute drive. So, I decided to go back to weekends only. Now I am into 12 months of ownership and I am just over her. I have completely lost interest. Then I started to think about the potential financial waste I was creating.\nWhat was the monthly cost of even having the car seat and do nothing? So, I decided to crunch the numbers and see if Julia is really worth having at all. Here was my process.\n\nHow much did a month it cost to have her on my insurance? $145\n\nHow much was regular monthly maintenance? Including car washes, oil, etc? ~$100\n\nHow much was gas each month? Sporty car required premium gas? ~$30 (driven 12 days a month)\n\nSo roughly $275 a month or $3,300 a year.\n\nThat didn't seem to bad, but then I had a kick to the gut. I looked at the KBB on my car value and it was $12,500. I had lost over $5,000 in value after 13 months of ownership. The more I drove it, the more the value was going out the door. So, I decided to sell Julia and recoup what cash I could from my stupid purchase.\nUnfortunately, the dents and scratches did not count in my evaluation and I ended up selling at $11,000 through a dealership, which was fine honestly. I didn't want to deal with a million cheapos on craigslist and wasn't going to spend as much time into advertising. I sourced the car to 3 dealers and $11,000 was the best price with the least amount of work (my kind of deal).\n\nAfter selling Julia, I Ubered home and invested the $11,000 check. It has been 2 months since I invested the cash and am now seeing a monthly return of $139.70 a month and it is growing as I continue to compound those dividends.\nI learned from this experience, were quite a few things about myself.\n\nStuff only interests me for a pretty short time. Stuff just isn't as important to me as I thought. Next time I might rent a car if I want to drive something fast for a day. I will stick to practicality over sport and style.\nEven cars with no payment and barely driven can affect your budget and future financial goals pretty significantly. Especially if you don't use it for work or to generate any income.\n\nThis experience and self-assessment has helped me build some barricades to prevent myself from impulse buying\nI hope this learning will help prevent you from making the same impulsive mistakes I have made.",
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      "body": "Last year I was laid off from my employer. Out of excitement for 2 months of paid severance and about $10,000 in fun money, and kind of a fuck it mindset, I decided to buy one of my dream cars, a Scion FRS. It was a bit of a mid-life crisis impulse buy at $18,000, but \"treat yo self\", right? Any I did! I financed the car for the first few months and then paid it off in cash.\n\nFor the first few months I actually felt amazing. I loved the car, named her Julia, made plans for upgrades, sped up to 100mph at any chance I got. I felt like I was Batman! I was racing through traffic as if I was chasing the Joker. However, that feeling began to quickly fade. After 4 months and a new job, Julia was only being driven every other weekend. Then 2 months passed by and I didn't driver her at all.\n\nI was into my 8 month and then I started to drive her to work to show off, which was convenient, because at the time I didn't pay my tabs on my commuter car and was feeling too lazy to stand in line. After 1 month of driving Julia, I noticed new scratches, dents, and grime from the commute drive. So, I decided to go back to weekends only. Now I am into 12 months of ownership and I am just over her. I have completely lost interest. Then I started to think about the potential financial waste I was creating.\nWhat was the monthly cost of even having the car seat and do nothing? So, I decided to crunch the numbers and see if Julia is really worth having at all. Here was my process.\n\nHow much did a month it cost to have her on my insurance? $145\n\nHow much was regular monthly maintenance? Including car washes, oil, etc? ~$100\n\nHow much was gas each month? Sporty car required premium gas? ~$30 (driven 12 days a month)\n\nSo roughly $275 a month or $3,300 a year.\n\nThat didn't seem to bad, but then I had a kick to the gut. I looked at the KBB on my car value and it was $12,500. I had lost over $5,000 in value after 13 months of ownership. The more I drove it, the more the value was going out the door. So, I decided to sell Julia and recoup what cash I could from my stupid purchase.\nUnfortunately, the dents and scratches did not count in my evaluation and I ended up selling at $11,000 through a dealership, which was fine honestly. I didn't want to deal with a million cheapos on craigslist and wasn't going to spend as much time into advertising. I sourced the car to 3 dealers and $11,000 was the best price with the least amount of work (my kind of deal).\n\nAfter selling Julia, I Ubered home and invested the $11,000 check. It has been 2 months since I invested the cash and am now seeing a monthly return of $139.70 a month and it is growing as I continue to compound those dividends.\nI learned from this experience, were quite a few things about myself.\n\nStuff only interests me for a pretty short time. Stuff just isn't as important to me as I thought. Next time I might rent a car if I want to drive something fast for a day. I will stick to practicality over sport and style.\nEven cars with no payment and barely driven can affect your budget and future financial goals pretty significantly. Especially if you don't use it for work or to generate any income.\n\nThis experience and self-assessment has helped me build some barricades to prevent myself from impulse buying\nI hope this learning will help prevent you from making the same impulsive mistakes I have made.",
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      "body": "Last year I was laid off from my employer. Out of excitement for 2 months of paid severance and about $10,000 in fun money, and kind of a fuck it mindset, I decided to buy one of my dream cars, a Scion FRS. It was a bit of a mid-life crisis impulse buy at $18,000, but \"treat yo self\", right? Any I did! I financed the car for the first few months and then paid it off in cash.\n\nFor the first few months I actually felt amazing. I loved the car, named her Julia, made plans for upgrades, sped up to 100mph at any chance I got. I felt like I was Batman! I was racing through traffic as if I was chasing the Joker. However, that feeling began to quickly fade. After 4 months and a new job, Julia was only being driven every other weekend. Then 2 months passed by and I didn't driver her at all.\n\nI was into my 8 month and then I started to drive her to work to show off, which was convenient, because at the time I didn't pay my tabs on my commuter car and was feeling too lazy to stand in line. After 1 month of driving Julia, I noticed new scratches, dents, and grime from the commute drive. So, I decided to go back to weekends only. Now I am into 12 months of ownership and I am just over her. I have completely lost interest. Then I started to think about the potential financial waste I was creating.\nWhat was the monthly cost of even having the car seat and do nothing? So, I decided to crunch the numbers and see if Julia is really worth having at all. Here was my process.\n\nHow much did a month it cost to have her on my insurance? $145\n\nHow much was regular monthly maintenance? Including car washes, oil, etc? ~$100\n\nHow much was gas each month? Sporty car required premium gas? ~$30 (driven 12 days a month)\n\nSo roughly $275 a month or $3,300 a year.\n\nThat didn't seem to bad, but then I had a kick to the gut. I looked at the KBB on my car value and it was $12,500. I had lost over $5,000 in value after 13 months of ownership. The more I drove it, the more the value was going out the door. So, I decided to sell Julia and recoup what cash I could from my stupid purchase.\nUnfortunately, the dents and scratches did not count in my evaluation and I ended up selling at $11,000 through a dealership, which was fine honestly. I didn't want to deal with a million cheapos on craigslist and wasn't going to spend as much time into advertising. I sourced the car to 3 dealers and $11,000 was the best price with the least amount of work (my kind of deal).\n\nAfter selling Julia, I Ubered home and invested the $11,000 check. It has been 2 months since I invested the cash and am now seeing a monthly return of $139.70 a month and it is growing as I continue to compound those dividends.\nI learned from this experience, were quite a few things about myself.\n\nStuff only interests me for a pretty short time. Stuff just isn't as important to me as I thought. Next time I might rent a car if I want to drive something fast for a day. I will stick to practicality over sport and style.\nEven cars with no payment and barely driven can affect your budget and future financial goals pretty significantly. Especially if you don't use it for work or to generate any income.\n\nThis experience and self-assessment has helped me build some barricades to prevent myself from impulse buying\nI hope this learning will help prevent you from making the same impulsive mistakes I have made.",
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