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For Greenr, Yeah Buddy, Murc
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TigerNet Legend [139872]
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For Greenr, Yeah Buddy, Murc
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Nov 11, 2025, 12:45 PM
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Mildly offended by your replies. I do have empathy for
Military families struggling thru shutdowm
Working people in DC businesses that rely on well paid gubmint employees who arent supporting those businesses
Many others who struggle week to week for various reasons
I do not empathize with those with incomes over $200k who say theyre struggling after a few weeks of no pay.
In fact, if i were in their place, i would be embarrassed to go on network news and admit that i put my family in the position of little/no savings to get by a month or so
Im sure my thinking is generational and yall will scream Boomer some more.
Go ahead
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TigerNet Elite [76582]
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Re: For Greenr, Yeah Buddy, Murc
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Nov 11, 2025, 12:46 PM
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TigerNet Grandmaster [198358]
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Just put the shovel away***
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Nov 11, 2025, 12:47 PM
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Heisman Winner [86208]
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I say this with so much respect because you are a good dude
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Nov 11, 2025, 12:49 PM
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As gave my kid so many respect, but it is hard as hail, to pay mortgages, food, insurance, college tuition and still have money left for anything.
I did all the right things, our newest car is 9 years old, my vehicle is 18 years old. Normal people are feeling this pain. It's no fun. But whatevs
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Orange Immortal [61633]
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Re: For Greenr, Yeah Buddy, Murc
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Nov 11, 2025, 12:55 PM
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TigerNet Champion [110227]
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I love metiger
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Nov 11, 2025, 1:15 PM
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and CU88 and bengaline, and fatherG.
I love you guise. Just a lot of love in this room.
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Orange Immortal [61633]
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Re: I love metiger
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Nov 11, 2025, 6:26 PM
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Clemson Sports Icon [52186]
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I'll try a gentler reply
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Nov 11, 2025, 12:55 PM
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I don't hate you or boomers or anyone for your opinion.
But you say you're mildly offended. Consider that your comments, which were insensitive and attention-seeking about a situation where you knew very little, might hit close to home with some of your fellow posters here who maybe have similar financial issues. They may not be affected by a shutdown and they may not be hurting now, but they might know they are one real crisis away from being in some real financial #### for their families.
When they see a comfortable retired person mocking people for financial hardship, perhaps THAT mildly offends them.
And no, I'm not one of those people now, but I've been there.
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Top TigerNet [29317]
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I'll say this. I would consider myself very financially savvy and disciplined.
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Nov 11, 2025, 1:03 PM
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I paid my house off about 10 years ago at the age of 33. I have done well in business and have a rental portfolio of 5 properties. Two of them are worth over a million dollars. I make wise decisions, I am frugal, and I bust my butt. My goal was to have the ability to retire at 40, which I was right there at it. I'm 43 now... I do not want to retire, it was just a goal.
With what the river house did to me, I am flirting with disaster. If say, my main client did not pay me for the month... I would probably be screwed so fast. It would probably take 2 months to make it unrecoverable. I am in complete recovery mode right now.
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Top TigerNet [29317]
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Heisman Winner [86208]
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Nice try, YanquiJoe
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Nov 11, 2025, 1:12 PM
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Not biting
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Top TigerNet [29317]
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TigerNet Elite [76582]
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Can I rent it for a couple hours?***
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Nov 11, 2025, 1:23 PM
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Top TigerNet [29317]
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Yes. Yes you can.
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Nov 11, 2025, 1:27 PM
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Now it may look like you are paying for 2 nigths, but you are.
You can stay there only a couple of hours, no problem.
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Clemson Sports Icon [55923]
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Top TigerNet [29317]
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Yeah... not really a couple or single family place.***
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Nov 11, 2025, 1:19 PM
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Clemson Sports Icon [55923]
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I don't like my family that much to want to go on vacation with them***
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Nov 11, 2025, 1:21 PM
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Top TigerNet [29317]
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You can go with... friends....
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Nov 11, 2025, 1:27 PM
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nevermind.
I dont think this place is for you.
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Clemson Sports Icon [55923]
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Lulz. What adult has friends that aren't work friends?***
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Nov 11, 2025, 2:49 PM
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All-Time Great [94262]
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lulz
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Nov 11, 2025, 2:57 PM
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I can name a half dozen off the top of my head.
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Clemson Sports Icon [55923]
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Now you're just lying. Your insufferableness knows no bounds***
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Nov 11, 2025, 4:02 PM
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All-Time Great [94262]
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Going out to dinner with 4 of them now and play trivia.
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Nov 11, 2025, 6:12 PM
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They are OTW to pick me up. Enjoy your evening.
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All-Time Great [94262]
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Well, trivia got cancelled.
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Nov 11, 2025, 10:30 PM
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It was scheduled but the trivia guy never showed. We waited for 30 minutes to get served at Mex-1 in West Nasty and the waitress never came over. So we left and went to Home Team down the street. Just as well--we got immediate service and a large gamechanger was waiting fr me when I got back from the restroom. Had HT wings, which are always excellent.
I got to hang with 4 great people and talk a little about everything from boats to politics to holiday travel. We are planning on going to the Goldbug Island turkey shoot later this week (prob Friday), with 2 more friends that I mentioned above. Should be a fun night of 6-10 of us, and my neighbors may show up as well.
Sorry you don't get to enjoy this kind of thing.
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TigerNet Grandmaster [198358]
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All-Time Great [94262]
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I hope I have these same friends when I'm retired.
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Nov 11, 2025, 10:34 PM
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We'll definitely go fishing more!
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TigerNet Champion [110227]
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Clemson Icon [25413]
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Top TigerNet [29317]
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Thanks. Its a river.
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Nov 12, 2025, 1:35 AM
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I've been told its a really good smallmouth spot. Mys on has caught some rock bass... and supposedly, across the river there is a mountain stream coming down that has trout.
Mcluv can probably tell you better. I'm not a fisherman.
McLovin
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TigerNet Champion [110227]
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Apparently it's a pretty good smallmouth river
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Nov 12, 2025, 7:43 AM
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Guides frequently run that section from a drift boat. In a very limited amount of fishing I caught a 19 incher about 3 lbs. We spoke to a guide that said they caught a 5 lb fish that same day. There is a convenient put in (kayak) 1.5 mi up river from the house and an easy take out about 3.5 miles down from the house. You can also put in or take out at the house. The bank isn't too steep for my 100 lb kayak.
wueagle86®
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Heisman Winner [86208]
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As I tell my wife, often, we are millionaires.on paper
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Nov 11, 2025, 1:10 PM
[ in reply to I'll say this. I would consider myself very financially savvy and disciplined. ] |
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But our liquidity within a week is ####. Nothing we did was wrong, same as you, we made good investments but man, I think, could I hold on for two more years to get the kids through college. I know I am out of the norm, I gave my dad my word I would get five through college without student loans. Those of us who try to do it right, have to make hard decisions.
It’s with reason I haven’t even ventured toward Clemson recently, we can’t afford tix and parking, not withstanding the product. I admire those of you who still make that sacrifice.
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Top TigerNet [29317]
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I do not go. We have cut everything out except necessities.
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Nov 11, 2025, 1:14 PM
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The only time I go to a game is when Mcluvs invites me.
My toddler hit the tv with a wooden rod about 6 months ago... we never replaced it. It is just not worth it right now. I cant justify spending money on it knowing what I know with our situation. It is pennies on the dollar for our monthly expenses, but it is "every penny counts" right now.
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Heisman Winner [86208]
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Completely respect that and understand
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Nov 11, 2025, 1:23 PM
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Choices have to be made, which is why, jokingly, never booked your rentals, it’s an extra expense for me know.
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Top TigerNet [29317]
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I understand. I think that you should
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Nov 11, 2025, 1:30 PM
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throw complete caution to the wind and book it though. You wont regret it.
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Heisman Winner [86208]
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I have no doubt my wife would love it
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Nov 11, 2025, 1:33 PM
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When brings me to a dilemma, she will expect it going forward.
Don’t ask me why I tell her my ruler says 8” is really 5”
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Top TigerNet [29317]
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So... you are saying you would start booking every year.
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Nov 11, 2025, 1:35 PM
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I really do not see the issue.
DO IT!
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Heisman Winner [86208]
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Re: So... you are saying you would start booking every year.
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Nov 11, 2025, 1:42 PM
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529s are fully funded now, so next year, that’s a deal, as long as you make your famous NY sauce
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Top TigerNet [29317]
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Oh, I can provide my famous sauce.
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Nov 11, 2025, 1:49 PM
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There may be a cool down on the delivery system.
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TigerNet HOFer [124137]
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TigerNet Elite [76582]
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Heisman Winner [86208]
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Re: Just put a 'lactation room' sign up on a random closet door and drop it into
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Nov 11, 2025, 1:50 PM
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.
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TigerNet Elite [76582]
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IMma just assuming this is milk truck just arrive***
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Nov 11, 2025, 3:48 PM
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Top TigerNet [29317]
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Orange Blooded [2319]
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Re: As I tell my wife, often, we are millionaires.on paper
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Nov 11, 2025, 1:48 PM
[ in reply to As I tell my wife, often, we are millionaires.on paper ] |
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I know first hand how it call all be a house of cards quickly. Wifeof and I were cruising along, saving, putting money into 2 529's and 401's. Then 2008 came along. I lost my job overnight. Wifeof lost hers a few months later. We were in scramble mode for over 5 years. 5 f'ing years of free lance work and anything else we could find. We're both got "real" jobs once again, but the dickpunch we took to our retirement was insurmountable. We raided the 401's like a sailor on Saturday night just to keep what we had amassed to date. And all this just so it would not be an impact on our children.
The impression I'm getting, even from people that I consider friends, is the attitude that "it sucks to be you". Not looking for empathy or sympathy. And I've found a way to laugh when I hear people complaining about the price of a new car, how horrible the trip to Greece was, the beach house needs repairs...etc.
Out of work for a month? Missing a paycheck? Child's play. And a warning, When that house of cards comes crashing, it hurts. If you let it.
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TigerNet HOFer [124137]
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ATC workers typically live in a big metro area near an airport. COL is much
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Nov 11, 2025, 1:14 PM
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higher in alot of those places. $200k doesn't go that far, especially if you are raising a family, have a mortgage that wasn't at the 3% rates, have a car, etc.
I've got three kids and a good job, my wife works for the State, it is a fuggin struggle at times to make sure we are doing what we can and setting some aside for the future. Losing your source of income would be terrible for us and cause really difficult conversations with our kids who we try and insulate from all the exterior noise.
Your post was tone def (and this aint the first time) and the fact that you keep doubling down just shows that you have no clue and lack any self awareness. Maybe you do have some empathy, but that should extend to everyone. It's something we all struggle with to some extent, some just more than others.
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TigerNet Icon [153024]
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We probably wouldn't even need any air traffic controllers
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Nov 11, 2025, 1:24 PM
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if we just put a bunch of roundabouts up there.
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TigerNet HOFer [124137]
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How many times can I explain that roundabouts only reduce the speed at which
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Nov 11, 2025, 1:29 PM
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vehicles crash into each other. So aerial roundabouts would only decrease how fast the planes collided, which would still send them tumbling to the ground and cause major inconveniences for people who might be watching TV and the news interrupt Murder She Wrote.
#TerribleIdea
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TigerNet Champion [110227]
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All-Time Great [91525]
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I mist a lot of this but AY YO BENG
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Nov 11, 2025, 1:21 PM
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I make above what those air traffic controllers make, and am a Financial Mangement grad from the greatest school in South Carolina. Hear this:
Yuge salary
-Maxed out FSA deduction
-Maxed out HSA deduction
-10% 401K deduction because you ##### will bankrupt any social security and I'm actually planning on that
-Life insurance premiums
-Healh insurance deductions
-claiming a small amount of taxes for take out because I have 5 dependents
__________
Paycheck is way less than half.
Now take into consideration paying after taxes into
-Kids 529 plans
-Mortgage
-other life insurance premiums
-Car payment
-other loans for some people (wife has one for Master's degree)
This aint the 1950's anymore. $120K nowadays is about $80K about only 10 years ago. And our taxes are only going up on properties around here in the upstate at an astonishing rate.
You really don't know what it's like to raise a family in this time when dual income is required just to survive pay check to paycheck for the most part.
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TigerNet Champion [110227]
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Well, it all depends on where they are and their circumstances
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Nov 11, 2025, 1:26 PM
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We have no idea of knowing. If they say they are struggling, then they must be, right? Luckily it's short-term.
From the outside you say 2 parents and 2 kids, hh income of $220K. That sounds MORE THAN doable to us in upstate SC. But what if they have student loans and live in CA. We don't have any facts other than they said it's tough.....because it is.
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All-Time Great [91525]
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If they just moved here and buy a $600K house, and have $150K in student loans
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Nov 11, 2025, 1:34 PM
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and are paying for 2 kids in daycare....that aint exactly a walk in the park, even for $200K.
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TigerNet Champion [110227]
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In that case you would hope they wouldn't be stupid and go 750K in debt
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Nov 11, 2025, 1:42 PM
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with 2 young kids. Which was part of Beng's point. I know I was stupid and took on too much debt right out of college. The bank allowed it. I was laid off for a short time. It was a close one. My only fallback at that time was my parents.
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TigerNet HOFer [124137]
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Houses and school are expensive. If they delay kids, which alot are doing, they
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Nov 11, 2025, 1:45 PM
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might just not have any. And that is fine, but $750k in debt with two small kids aint impossible and tough to label as stupid, IMO
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TigerNet Champion [110227]
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Not stupid, but high risk totally dependent on everything else***
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Nov 11, 2025, 1:49 PM
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All-Time Great [91525]
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Let's say they're a few years out of school. They had $100K
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Nov 11, 2025, 1:58 PM
[ in reply to In that case you would hope they wouldn't be stupid and go 750K in debt ] |
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and now they're down to around $75K a piece. BTW, $750K is putting $0 down on a house, which is not likely. They buy their first home and sink ridiculous equity into it because housing prices are insane. It'd be a real easy situation for people to get into. What are they supposed to do, pay $2,500 a month to rent?
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TigerNet Champion [110227]
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The 750K debt to 220K income ratio is the exact same ratio
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Nov 11, 2025, 2:05 PM
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I had when I graduated and bought a house. It was risky.
Adding two kids to that scenario?
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TigerNet Champion [110227]
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And before you say "You didn't plan to have kids?"
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Nov 11, 2025, 2:11 PM
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Yeah, of course, not immediately. Income goes up and mortgage stays the same. You don't just pop out 5 kids in 7 years, that would be REALLY DUMB!
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All-Time Great [91525]
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While the ratio of 750/220 is the same number
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Nov 11, 2025, 2:14 PM
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750/220 would be much easier and much more common now then 10 or 15 years ago.
And believe me, no one on here better understands about not planning for kids than Tickle_It.
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Orange Beast [6292]
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Yo agreed, and also a Fin Mgt grad
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Nov 11, 2025, 1:41 PM
[ in reply to I mist a lot of this but AY YO BENG ] |
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You can be a millionaire on paper and still fill pain when your income gets shut off.
College funds, home equity, FSAs and 401ks/IRAs aren't exactly liquid. If you're doing it right you're maxing out all of those.
We've had to cut back in the KMS house, big portion of income in our house is from commissions earned from selling to government entities and you guessed it, they ain't paying right now. Coupled with a slow time in the real estate market where I work and the next 6 months are looking grim. We will be fine but that doesn't mean that it's fun or I don't have empathy for those without the same means. I just had this same conversation with my 80+ year old parents who sit in front of Fox News all day. My dad got very angry because he's worked very hard for financial security... but you can be doing all those things in our (Gen X/Millenial) generation and feel like you still aren't getting ahead or are anywhere near retirement.
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All-Time Great [91525]
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And all those 10's of thousands you put into FSA, HSA, etc.
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Nov 11, 2025, 2:00 PM
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aren't changeable during the year. You can't reset during the middle of the year. At least not where I'm at in the private industry. It's a sunk, recurring cost.
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Orange Beast [6292]
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I just started running a scenario on a family making $200k
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Nov 11, 2025, 2:16 PM
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once I took out taxes, insurance and mortage I was down to $1950 for everything else that month. That ain't a lot towards savings even if you didn't have to... you know... EAT.
200k salary:
Monthly before tax= 8,333
Taxes ~25% = take home pay of ~ $6,249
Medical, 401k @ 6% (assuming 400 month for medical based on what my employees pay for a very generous insurance premium payment by my company and) = take home pay ~ 4,850
Then you've got a mortgage & Insurance (let's assume you bought an average priced home a few years ago 400k w/ 20% down and a 3.5% mortgage) that's a minimum mortgage, insurance and tax payment of $2,500
Take home home pay down to $2350 and we haven't even fed kids, paid for cars or car insurance, funded college funds or savings.
200k goes fast, I dunno how people are doing it
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TigerNet HOFer [124137]
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I think your math is off significantly on the monthly take home
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Nov 11, 2025, 2:20 PM
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$200k/12 is $16,666/mo before any deductions
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Orange Beast [6292]
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Whoops just kidding they're rich now***
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Nov 11, 2025, 2:22 PM
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TigerNet Champion [110227]
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lulz***
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Nov 11, 2025, 2:31 PM
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TigerNet HOFer [124137]
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Re: Whoops just kidding they're rich now***
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Nov 11, 2025, 2:37 PM
[ in reply to Whoops just kidding they're rich now*** ] |
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200k salary:
Monthly before tax= 16,666
Taxes ~25% = take home pay of ~ $12,500
Medical, 401k @ 6% (assuming 750 month for medical based on State of NC plan) = take home pay ~ 11,000
Then you've got a mortgage & Insurance (let's assume you bought an average priced home a few years ago 400k w/ 20% down and a 3.5% mortgage) that's a minimum mortgage, insurance and tax payment of $2,500
Take home home pay down to $8500 and we haven't even fed kids, paid for cars or car insurance, funded college funds or savings.
Food - Budget alot for a big family, $500/week? - that is $2k minimum
Cars - If you finance two cars, with insurance, you could be at $2k there, I would assume
That leaves you with $4500 which seems like alot, but that is assuming you have a GREAT home rate, bought a reasonable house BEFORE prices went sky high with rates hitting 7%
Cell phones could easily be $250-$300/month
Better hope one of those kids doesn't drive, that insurance rate is probably much higher (I am about to learn this, I think)
Other Monthly Bills:
Water/Sewer - $200
Power - $250
Candles - $3300
Solid Waste - $75
Internet - $100
Television - $100
It goes by fast even at $200k/year before 529s and other savings
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Orange Beast [6292]
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Whatever you do, do NOT buy a horse
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Nov 11, 2025, 2:39 PM
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that is a horrible financial investment
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TigerNet HOFer [124137]
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I'm not bragging about horrible financial investments, but
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Nov 11, 2025, 2:52 PM
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two kids in club soccer and one in club volleyball doesn't really seem to be a good use of my money. Those would be the FIRST to go if I got into some employment issues.
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All-Time Great [94262]
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I'm sure you could sell the kids on the dark web.
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Nov 11, 2025, 2:56 PM
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Although if they are mouthy spoiled teenagers, I'd guess that would damage their value.
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Clemson Sports Icon [55923]
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I know a buyer
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Nov 11, 2025, 2:58 PM
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CS02
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Tiger Titan [51013]
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He said teenager.
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Nov 11, 2025, 3:28 PM
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CS02 is out at tween.
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Orange Immortal [66075]
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one of the worst no doubt
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Nov 11, 2025, 2:56 PM
[ in reply to Whatever you do, do NOT buy a horse ] |
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I finally learned my lesson. I've had horses off and on my whole life since my grandpa gave me one of his when I was about 12. I love them but they are exhaustive.
A few years ago, I traded them in for miniature donkeys, which have ZERO issues compared to a horse.
No colic. No laminitis. No constant farrier calls. No heat/cold issues, they grow out their coats thick every winter. Eats about 10% of what a horse does.
They get an annual rabies shot like a dog does, get an ivermectin deworming paste twice a year (about $10 at TSC). That's pretty much it.
Horse = $2000 year
Donkey = $200 year
Love my little donks. They are like big dogs, just as lovable.
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Tiger Titan [51013]
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Top TigerNet [29317]
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TigerNet HOFer [124137]
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It's an old twitter gag, IIRC***
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Nov 11, 2025, 10:02 PM
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Tiger Titan [50797]
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No no, keep going. Let's add
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Nov 11, 2025, 3:24 PM
[ in reply to Whoops just kidding they're rich now*** ] |
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the expenses of 3 cars (each kid and insurance), a new HVAC unit (me this year), a few trees needing to be taken down (me post hurricane), several car repairs (because mostly used cars), and 2 college tuitions.
And let's go with the understanding that a local tech school costs about the same in tuition that CU did back in the early 90s. Then let's throw in tuition at private college at $70k+ per year (thank Jah I got a smart one that is on a 3/4 or more scholly). Now cycle the tech school expense out in June of 2026, then add another 4 yr in-state school tuition for 4 years starting Fall of 2026 that double dips with private school for a year.
Weddings. Has anyone been weddinged yet? Not yet, but 3 are in the pipeline for whenever that will be.
Oh, and back to medical. I'm $1k per month in premiums. Did we add in an occasional MRI or ER visit? That's a couple thou more per year.
We've not eaten out yet, been on any type of vacation yet, bought any kind of concert/football tickets, added in birthdays and Christmas and that stuff either.
That $200k goes QUICK.
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Paw Warrior [5042]
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Re: I just started running a scenario on a family making $200k
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Nov 11, 2025, 3:42 PM
[ in reply to I just started running a scenario on a family making $200k ] |
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I just feel like as an adult, you have savings to bridge potential gaps.
You buy cheaper cars, skip vacations, buy cheaper food, or do whatever you have to do to set aside 3 to 6 months savings.
People don't but that's their poor decisions.
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Tiger Titan [50797]
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I don't think anyone disagrees with this. And nowhere on the gramps OP
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Nov 11, 2025, 5:41 PM
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did that fam state they had no savings. They may very well be struggling just to NOT get into the reserve fund.
But let's make this clear. Losing a single income ain't good. Losing BOTH? Probably doesn't warrant a "boo hoo" from retired keowee grandpappy.
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Paw Warrior [4955]
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your cluelessness is noted***
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Nov 11, 2025, 1:31 PM
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Paw Warrior [5042]
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Re: For Greenr, Yeah Buddy, Murc
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Nov 11, 2025, 3:39 PM
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Completely agree.
If you are an adult and have been working 10+ years there is no excuse for not having savings to last a couple of months.
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Top TigerNet [30994]
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Re: For Greenr, Yeah Buddy, Murc
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Nov 11, 2025, 6:37 PM
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When I was young I had this hot girlfriend for about 5 years. I was in over my head. I was blinded by her hotness and overachieving. I went backwards with her. I think that has happened with a bunch of young people out there.
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