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Your personal debt is preventing you from thinking correctly...

 
3643297

User ID: 76832232
United States
03/30/2019 10:48 AM
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Re: Your personal debt is preventing you from thinking correctly...
Be careful who you marry. It’s so nice being single again and being in full charge of my finances. When I was married I had to go default on credit cards and pay penalties and back taxes to the IRS for years. Different philosophies on debt make marriage a stressful nightmare when you can’t control all the financial decisions.
BRIEF  (OP)

User ID: 39607259
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03/30/2019 10:49 AM

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Re: Your personal debt is preventing you from thinking correctly...
The only debt I have is car loans. House paid off, have $500K in all retirement accounts. still 25 more years to go.
 Quoting: Anonymous Coward 70650445


I suppose you think those accounts, the house and cars actually are your property.

Too bad that is false. You litterally own nothing, it is all owned by the Federal Reserve, because you used their fiat bebt currency to get it.

But don’t let the facts and truth bother you.
 Quoting: Anonymous Coward 71408469


Well, don't let the fact that this isn't base reality and that we are just a complex hologram with a soul...play the game while you are here...
 Quoting: BRIEF


I play the game better than most and its not because I fool myself into believing bebt currency is money.

The game can be played on a universal level of unlimited abundance that requires nothing but actions and creation of my own will, spirit and mind. I do it every day.
 Quoting: Anonymous Coward 71408469


I hope you keep mom's basement clean too...
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
BRIEF  (OP)

User ID: 39607259
United States
03/30/2019 10:51 AM

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Re: Your personal debt is preventing you from thinking correctly...
Be careful who you marry. It’s so nice being single again and being in full charge of my finances. When I was married I had to go default on credit cards and pay penalties and back taxes to the IRS for years. Different philosophies on debt make marriage a stressful nightmare when you can’t control all the financial decisions.
 Quoting: 3643297


We all take risks, because without risk there is no reward.
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
Anonymous Coward
User ID: 77514815
United States
03/30/2019 10:52 AM
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Re: Your personal debt is preventing you from thinking correctly...
Money is a ponzi scam, there is no other logic involved, OP.
 Quoting: Anonymous Coward 75989704


Money is the measure of your value to society.
 Quoting: BRIEF


So the banksters are the most valuable to your society, got it cruise
 Quoting: Anonymous Coward 75989704


when people consent to give you money for trade.

it's not you they value, it's your work and usefulness to them. your slavery is valuable to them.

when people con you and rob you via fiat money, it is a measure of their cunning and how greatly they despise you
Anonymous Coward
User ID: 77514815
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03/30/2019 10:55 AM
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Re: Your personal debt is preventing you from thinking correctly...
As I have been telling you for years...


[link to www.marketwatch.com (secure)]



A new study has a whole different take on what debt relief means.

Getting rid of debt doesn’t just unburden finances, it takes a weight off the mind that clears up cognitive functioning, lessens anxiety and improves impulse control.
 Quoting: BRIEF


WOW, I'll just go get rid of my debt!!!

thank you!
Anonymous Coward
User ID: 77499565
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03/30/2019 10:58 AM
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Re: Your personal debt is preventing you from thinking correctly...
Do not take monetary advice from this idiot.
Anonymous Coward
User ID: 70732847
United States
03/30/2019 11:00 AM
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Re: Your personal debt is preventing you from thinking correctly...
As I have been telling you for years...


[link to www.marketwatch.com (secure)]



A new study has a whole different take on what debt relief means.

Getting rid of debt doesn’t just unburden finances, it takes a weight off the mind that clears up cognitive functioning, lessens anxiety and improves impulse control.
 Quoting: BRIEF


Being debt free is one of the most liberating things one can accomplish.

Been debt free for about 5 years.
ReoX

User ID: 77513442
Malaysia
03/30/2019 11:01 AM

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Re: Your personal debt is preventing you from thinking correctly...
And letting your banks pay for the rest of your life is even better.
Anonymous Coward
User ID: 76490737
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03/30/2019 11:03 AM
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Re: Your personal debt is preventing you from thinking correctly...
Be careful who you marry. It’s so nice being single again and being in full charge of my finances. When I was married I had to go default on credit cards and pay penalties and back taxes to the IRS for years. Different philosophies on debt make marriage a stressful nightmare when you can’t control all the financial decisions.
 Quoting: 3643297


This!
Anonymous Coward
User ID: 1172249
United States
03/30/2019 11:03 AM
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Re: Your personal debt is preventing you from thinking correctly...
The only debt I have is car loans. House paid off, have $500K in all retirement accounts. still 25 more years to go.
 Quoting: Anonymous Coward 70650445


Why borrow when you can pay cash?
 Quoting: BRIEF


I don't have enough savings. All my money is going into the retirement savings and car loan payments.
 Quoting: Anonymous Coward 70677209


Dude, great savings, nice work. But, don't make the mistake of being 100% future focused. Stop saving for retirement, pay your cars off, and then enjoy life a little, while still saving some for retirement.

Head down, "25 years to go", 100% focused on numbers, is no way to go through life (particularly when you have the numbers that allow you to breathe a little.) Enjoy where you are at a bit -- you have earned it and are way ahead of the game. Always be diligent in saving, but when you're where you are at, you've earned a little joy. Everything could end tomorrow, and if it does you will feel mighty silly having spent all this time racking up numbers that don't matter in the end.

Remember, the future is conjecture and yesterday a memory. We only live in an extended string of nows. If you've the luxury, enjoy the now. Now.
 Quoting: Anonymous Coward 76999083



Call me a freak. I'm afraid about my future honestly. I see these news articles everyday about elderly people losing their homes to pay off their medical debt. I get so nervous thinking about it. What if it happens to me someday ? I can always pay that off using my retirement savings when I get old.
BRIEF  (OP)

User ID: 39607259
United States
03/30/2019 11:05 AM

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Re: Your personal debt is preventing you from thinking correctly...
Do not take monetary advice from this idiot.
 Quoting: Anonymous Coward 77499565


Because you enjoy being poor?
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
Anonymous Coward
User ID: 76845083
United States
03/30/2019 11:10 AM
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Re: Your personal debt is preventing you from thinking correctly...
The only debt I have is car loans. House paid off, have $500K in all retirement accounts. still 25 more years to go.
 Quoting: Anonymous Coward 70650445


Wow..

That is a dream.

I am sinking in 80,000 in debt, and work every day! THe interest rates are so high that my payments go straight to interest.

for example, the student loan - have been paying on it for 1 year so far, and after all the hundreds of dollars the initial amount of the loan has only ACTUALLY decreased 16$, everything goes to interest.

I don't know how this will ever end. I want to start a family and get a home - I consolidate as I find better deals but they only increase the years of payment.

Please enjoy your life and I hope you wake up everyday happy, singing, smiling and dreaming.

Take care.
Joe Camel

User ID: 76923207
United States
03/30/2019 11:10 AM
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Re: Your personal debt is preventing you from thinking correctly...
As I have been telling you for years...


[link to www.marketwatch.com (secure)]



A new study has a whole different take on what debt relief means.

Getting rid of debt doesn’t just unburden finances, it takes a weight off the mind that clears up cognitive functioning, lessens anxiety and improves impulse control.
 Quoting: BRIEF
.


You gotta love the credit score system in America ...

Before I paid off my $6000 debt, my credit score was 818.

After I completely paid off my debt, my credit score dropped to 803.

Then I decided to put $3000 one one of my cards, now my score is 816.


The fuckers definitely WANT you to be in DEBT, don't they??!

.
-

Even if you don't take an interest in Politics,
eventually Politics is going to take an interest in you.


_
BRIEF  (OP)

User ID: 39607259
United States
03/30/2019 11:14 AM

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Re: Your personal debt is preventing you from thinking correctly...
As I have been telling you for years...


[link to www.marketwatch.com (secure)]



A new study has a whole different take on what debt relief means.

Getting rid of debt doesn’t just unburden finances, it takes a weight off the mind that clears up cognitive functioning, lessens anxiety and improves impulse control.
 Quoting: BRIEF
.


You gotta love the credit score system in America ...

Before I paid off my $6000 debt, my credit score was 818.

After I completely paid off my debt, my credit score dropped to 803.

Then I decided to put $3000 one one of my cards, now my score is 816.


The fuckers definitely WANT you to be in DEBT, don't they??!

.
 Quoting: Joe Camel


They want to see good payment makers...yes, they make your money by keeping you in debt.

I have no credit. i have never borrowed money, and that's why I'm wealthy today and retired at 44...actually retired last year at 43
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
Anonymous Coward
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United States
03/30/2019 11:54 AM
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Re: Your personal debt is preventing you from thinking correctly...
The only debt I have is car loans. House paid off, have $500K in all retirement accounts. still 25 more years to go.
 Quoting: Anonymous Coward 70650445


Why are you financing a vehicle with all that wealth? Is it an exotic ride?
Anonymous Coward
User ID: 77173035
United States
03/30/2019 11:55 AM
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Re: Your personal debt is preventing you from thinking correctly...
New study lol.

Study this:

bushfing
Tangy

User ID: 69917668
United States
03/30/2019 11:57 AM

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Re: Your personal debt is preventing you from thinking correctly...
Old saying...

Never use your money when you can use someone else’s. That is how all millionaires got the big money.
 Quoting: MyPillow


Hmmm I prefer.. make your money work for you, rather than working for money.
callit

User ID: 74021864
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03/30/2019 11:58 AM
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Re: Your personal debt is preventing you from thinking correctly...
Hey Brief, good thread.
interesting viewpoints being shared here. Thanks.

curious what is your area of expertise?
in what field of study, did you turn the most profit?
who are your biggest clients?
Anonymous Coward
User ID: 70650445
United States
03/30/2019 12:03 PM
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Re: Your personal debt is preventing you from thinking correctly...
The only debt I have is car loans. House paid off, have $500K in all retirement accounts. still 25 more years to go.
 Quoting: Anonymous Coward 70650445


Why are you financing a vehicle with all that wealth? Is it an exotic ride?
 Quoting: Anonymous Coward 76455332


I'm paying $900 every month on my 2018 porsche macan.
Anonymous Coward
User ID: 76550302
United States
03/30/2019 12:03 PM
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Re: Your personal debt is preventing you from thinking correctly...
Old saying...

Never use your money when you can use someone else’s. That is how all millionaires got the big money.
 Quoting: MyPillow


No. Warren Buffet is a billionaire who began with $100
 Quoting: BRIEF


Where did he get that 100? Plus, today’s he uses everyone else’s money. Look at his holding company
 Quoting: MyPillow


He got a job and worked...the idea of money is to make it work for you by helping others grow and get their start...it's called investing and it's a real job...a fun job!
 Quoting: BRIEF


Respectfully, that's bullshit. Buffet helping others? Jesus, that's rich.

Hey, I'm all for making a buck, but call a spade a spade.

Buffet's one of the primary drivers of a system that does less to promote actual growth than it does to inflate the wealth of insiders.
BRIEF  (OP)

User ID: 39607259
United States
03/30/2019 12:04 PM

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Re: Your personal debt is preventing you from thinking correctly...
Hey Brief, good thread.
interesting viewpoints being shared here. Thanks.

curious what is your area of expertise?
in what field of study, did you turn the most profit?
who are your biggest clients?
 Quoting: callit


My area of expertise in finance?

I'm a financial counselor.

"in what field of study, did you turn the most profit?"

I think what you are asking is what did I do to make enough extra money to invest with?

You don't need to make a ton of money, just live on less than you make and invest on a regular basis...once a month is ideal.
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
BRIEF  (OP)

User ID: 39607259
United States
03/30/2019 12:06 PM

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Re: Your personal debt is preventing you from thinking correctly...
...


No. Warren Buffet is a billionaire who began with $100
 Quoting: BRIEF


Where did he get that 100? Plus, today’s he uses everyone else’s money. Look at his holding company
 Quoting: MyPillow


He got a job and worked...the idea of money is to make it work for you by helping others grow and get their start...it's called investing and it's a real job...a fun job!
 Quoting: BRIEF


Respectfully, that's bullshit. Buffet helping others? Jesus, that's rich.

Hey, I'm all for making a buck, but call a spade a spade.

Buffet's one of the primary drivers of a system that does less to promote actual growth than it does to inflate the wealth of insiders.
 Quoting: Anonymous Coward 76550302


Wrong. Growing businesses need money to expand, he provides the needed capital to employ people...
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
Anonymous Coward
User ID: 45393201
United States
03/30/2019 12:07 PM
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Re: Your personal debt is preventing you from thinking correctly...
The only debt I have is car loans. House paid off, have $500K in all retirement accounts. still 25 more years to go.
 Quoting: Anonymous Coward 70650445


Why borrow when you can pay cash?
 Quoting: BRIEF


I don't have enough savings. All my money is going into the retirement savings and car loan payments.
 Quoting: Anonymous Coward 70677209


Pretty dumb if the market goes 2008.
BRIEF  (OP)

User ID: 39607259
United States
03/30/2019 12:07 PM

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Re: Your personal debt is preventing you from thinking correctly...
You do not have to be an insider to get into the market and make money...most mutual funds can be started with $500
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
BRIEF  (OP)

User ID: 39607259
United States
03/30/2019 12:08 PM

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Re: Your personal debt is preventing you from thinking correctly...
The only debt I have is car loans. House paid off, have $500K in all retirement accounts. still 25 more years to go.
 Quoting: Anonymous Coward 70650445


Why borrow when you can pay cash?
 Quoting: BRIEF


I don't have enough savings. All my money is going into the retirement savings and car loan payments.
 Quoting: Anonymous Coward 70677209


Pretty dumb if the market goes 2008.
 Quoting: Anonymous Coward 45393201


No, that's when you buy up the discounts...
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
BRIEF  (OP)

User ID: 39607259
United States
03/30/2019 12:09 PM

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Re: Your personal debt is preventing you from thinking correctly...
Remember December's little dip? I told you to buy then...you would have made 25% like we did...
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
Anonymous Coward
User ID: 1163157
United States
03/30/2019 12:11 PM
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Re: Your personal debt is preventing you from thinking correctly...
The only debt I have is car loans. House paid off, have $500K in all retirement accounts. still 25 more years to go.
 Quoting: Anonymous Coward 70650445


Why borrow when you can pay cash?
 Quoting: BRIEF


I don't have enough savings. All my money is going into the retirement savings and car loan payments.
 Quoting: Anonymous Coward 70677209


Pretty dumb if the market goes 2008.
 Quoting: Anonymous Coward 45393201




I move all the 401K,IRA,ROTH IRA investments to bonds if there is another recession.
BRIEF  (OP)

User ID: 39607259
United States
03/30/2019 12:16 PM

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Re: Your personal debt is preventing you from thinking correctly...
...


Why borrow when you can pay cash?
 Quoting: BRIEF


I don't have enough savings. All my money is going into the retirement savings and car loan payments.
 Quoting: Anonymous Coward 70677209


Pretty dumb if the market goes 2008.
 Quoting: Anonymous Coward 45393201




I move all the 401K,IRA,ROTH IRA investments to bonds if there is another recession.
 Quoting: Anonymous Coward 1163157


If you roll non-taxable accounts to a Roth and pay the taxes out of pocket, it's like sneaking in more money than the maximum allows...and it's legal
I never forgive and I never forget

I am a licensed firearm holder. I will, under protection of law, use lethal force if attacked.

Briefcut4892
Anonymous Coward
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03/30/2019 12:24 PM
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Re: Your personal debt is preventing you from thinking correctly...
What Debt?
Anonymous Coward
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03/30/2019 12:26 PM
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Re: Your personal debt is preventing you from thinking correctly...
...


I don't have enough savings. All my money is going into the retirement savings and car loan payments.
 Quoting: Anonymous Coward 70677209


Pretty dumb if the market goes 2008.
 Quoting: Anonymous Coward 45393201




I move all the 401K,IRA,ROTH IRA investments to bonds if there is another recession.
 Quoting: Anonymous Coward 1163157


If you roll non-taxable accounts to a Roth and pay the taxes out of pocket, it's like sneaking in more money than the maximum allows...and it's legal
 Quoting: BRIEF




Yeah but I won't be able to claim my yearly tax deductions if I move everything to Roth.





GLP