My thought to go along with that: how do people afford cars?

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Jan 19, 2023
8:02:56am

LegitCoug All-American

That kind of large purchase seems like it would peg people back a couple of years.

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LegitCoug

Bio page: LegitCoug
Joined: Mar 2, 2011
Last login: May 18, 2024
Total posts: 4,145 (24 FO)

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Messages

Author

Time

A thought I sometime have: How the heck are people making it financially? I know

Undefeated

1/19/23 7:54am

I think a lot of people are just barely making it. Tons of debt.

deejo

1/19/23 7:58am

We didn’t start having kids until our late 20’s early 30’s. Both my wife and I

Magneto

1/19/23 11:07am

Me imagining just starting parenthood in my 30's:

LegitCoug

1/19/23 11:16am

That is definitely not the only way to do it…

Pretorian

1/19/23 1:21pm

Worked out great for us. All of our friends in our early 30’s either live in an

Magneto

1/19/23 1:59pm

To each their own but there are A LOT of people more successful than you who

Pretorian

1/19/23 3:57pm

The world has changed too much even in the last 3-5 years. We would not be in

Magneto

1/19/23 5:06pm

People do it… it has more to do with your job, work ethic, and priorities than

Pretorian

1/20/23 9:53am

As someone with very similar credentials, I can confirm that it's possible

justAnotherCoug

1/20/23 10:15am

I agree with your

Undefeated

1/20/23 11:20am

To each their own. Every family will make their own decisions and think they’re

Magneto

1/20/23 12:22pm

Bonus for having kids early: you can actually enjoy your grandkids.

TailgateU

1/20/23 5:04pm

RE: Bonus for having kids early: you can actually enjoy your grandkids.

Undefeated

1/20/23 5:28pm

I wonder this every time I visit Utah

SurfCoug

1/19/23 11:47am

That is so not unique to Utah, people just over spend on different things elswhe

Pretorian

1/19/23 1:22pm

Not so sure

SurfCoug

1/20/23 11:27am

I'm always amazed at the disparity between median home prices and median incomes

justAnotherCoug

1/19/23 8:00am

The Top % can afford multiple homes. The lower % live multiple family per home

FromCAtoUT

1/19/23 8:02am

I have some siblings I have no idea how they are making it. They don’t have

Chefcurry

1/19/23 8:01am

For me, getting a different Job and working with my wife on a family budget.

JohnnyC

1/19/23 8:01am

My thought to go along with that: how do people afford cars?

LegitCoug

1/19/23 8:02am

The car prices people pay are crazier to me than the house prices

Gustav

1/19/23 8:08am

IMO, a significant number of new car purchases are made by people who probably

shoganai

1/19/23 8:10am

Most pay over time

Archaea

1/19/23 8:26am

I think many, of us have had high levels of prosperity for so long that

Null

1/19/23 8:04am

A fair observation.

mbs6

1/19/23 8:39am

Very true. Will soon increase my mortgage from 615 a month to 2900

PKCoug

1/19/23 9:22am

Inheritance is never mentioned in these conversations. Being given a house or

vagabonder

1/19/23 8:06am

"The Millionaire Nextdoor" suggests inheritance accounts for a small percentage

justAnotherCoug

1/19/23 8:27am

But also remember the term economic outpatient care.

kotacoug

1/19/23 8:40am

Refresh my memory? It's been a while.

justAnotherCoug

1/19/23 9:02am

Yes just saying that it’s a huge problem and that’s how many younger families

kotacoug

1/19/23 9:09am

When I first got into the work force I was amazed at the $ coworkers families

DiamondMo

1/19/23 8:27am

Bingo! I live in a ward full of people in this boat...

FulhamUte

1/19/23 8:28am

Pays his kids tithing?! What the what?!

U.E. McGill

1/19/23 9:08am

I thought the same thing😂

JohnnyC

1/19/23 9:11am

Yep...

FulhamUte

1/19/23 9:29am

This is crazy. If that’s the case they should argue it’s being double tithed!

DiamondMo

1/19/23 9:33am

I think there was a big thread on CB about this. Kids still pay tithing

kotacoug

1/19/23 10:03am

It sounds like it could be that the child doesn’t pay their own tithing. Or as

DiamondMo

1/19/23 10:30am

If the kid…

FulhamUte

1/19/23 11:21am

Kid pays dad his tithing…. He doesn’t need to know how it technically works…I’ve

kotacoug

1/19/23 11:35am

Right...

FulhamUte

1/19/23 12:13pm

Wow 😲

Pretorian

1/19/23 10:32am

I've seen this too. Partially as a tax strategy for the parents

justAnotherCoug

1/19/23 9:39am

RE: Bingo! I live in a ward full of people in this boat...

flatliner

1/19/23 1:22pm

"Making it" in terms of having enough to meet necessities is still very simple

shoganai

1/19/23 8:07am

The idea that anyone struggling to get by is an addict or dropout is an interest

vagabonder

1/19/23 8:12am

I think it largely depends on where you draw the line of "struggling" vs.

shoganai

1/19/23 8:23am

No need to put "assistance" in quotes when you were given free housing until you

vagabonder

1/19/23 8:29am

You appear to be trying to invalidate my opinion by ushering me into some bucket

shoganai

1/19/23 8:36am

Not shaming, just pointing out that you had an unearned advantage many people

vagabonder

1/19/23 8:42am

It appears you've now succeeded in finding an excuse you can justify for

shoganai

1/19/23 8:53am

You: Drug addiction and dropouts struggle with housing. Also you: My parents

vagabonder

1/19/23 9:03am

Yes. As we know, it's not reasonable for anyone like me to have an opinion on

shoganai

1/19/23 9:18am

I can agree with your premise, but still see you had a leg up.

ReiUrso

1/19/23 9:34am

I don't know why the number of legs up I, you, or anybody else had continues to

shoganai

1/19/23 9:46am

A couple of reasons, in my mind.

ReiUrso

1/19/23 10:13am

It was certainly not my intent to imply that only druggies or dropouts struggle.

shoganai

1/19/23 10:19am

RE: It was certainly not my intent to imply that only druggies or dropouts

flatliner

1/19/23 1:56pm

I actually like this discussion and I think both of you are correct. I think so

Sparkling Delirium

1/19/23 3:18pm

They just go into debt.

cougaman

1/19/23 8:13am

Not paying tithing or saving for retirement can add a bunch to the coffers....

TheHop

1/19/23 8:15am

I can't imagine all that I could do with all the tithing money. Thousands of

cougaman

1/19/23 8:33am

RE: I can't imagine all that I could do with all the tithing money. Thousands of

Sparkling Delirium

1/19/23 8:36am

It'd be like getting a raise, your lifestyle would adjust. I think very few

deejo

1/19/23 9:12am

Exactly. Between retirement savings & tithing I could have an extra $40k a year.

Frankfromtheballpark

1/19/23 12:20pm

Hopefully retired someday 😂 and then off to heaven after that.

Magneto

1/20/23 8:03am

The older I get the harder it is to pay tithing. I never thought that would be

Magneto

1/20/23 8:06am

I sometimes wonder how people are not making it. In school there were people

Powerbait DPM

1/19/23 8:37am

I disagree

DiamondMo

1/19/23 9:14am

Stayed out of debt other than my mortgage. Have a very, very secure job.

Adwight

1/19/23 8:39am

I don't understand how people afford all the huge homes I drive by in utah county. Where do all these people work?

Ted Lasso

1/19/23 8:40am

Aren’t you the guy that seems to take a dozen $10k vacations every year?

Joe Banks

1/19/23 9:00am

It seems that way, but no. I'm not.

Ted Lasso

1/19/23 9:01am

Many of us who vacation know how to do it cost effectively

Archaea

1/19/23 9:14am

I'm probably not far behind you in Disney parks fandom. I'm stunned sometimes

shoganai

1/19/23 9:56am

Got a killer low interest rate on the home refinance when they were giving away

paulb

1/19/23 8:55am

Same boat. Game changer for us

BamBamBigelow

1/19/23 12:23pm

Youth sports is what kills me. I swear some families are paying 20%+ of their

cougfanz

1/19/23 9:08am

You're not kidding. We spent $20k (Not 20%) on kids stuff in 2022.

justAnotherCoug

1/19/23 9:18am

Why are we doing this to kids and families? It's crazy.

Adwight

1/19/23 9:57am

wow. How many kids? What sports. Genuinely interested

HoustonCougar

1/19/23 10:44am

You could easily get there with 1 top level comp soccer team.

DiamondMo

1/19/23 11:04am

3 Kids. Lots of activities that change seasonally

justAnotherCoug

1/19/23 11:08am

ECNL level club soccer. 2k a year for one kid plus travel expenses.

Creaturecow

1/19/23 11:10am

Easy to get there and I only have 2 playing.

Cougstreak

1/19/23 12:31pm

Are you in utah? $20k seems light to me.

Cougstreak

1/19/23 12:24pm

Nah. We're East Coast too. And I'm not surprised. Our activities aren't crazy.

justAnotherCoug

1/19/23 12:28pm

Got it. Indoor field space is insanely expensive. Coaching/trainer prices is double Vs Utah.

Cougstreak

1/19/23 12:38pm

RE: Youth sports is what kills me. I swear some families are paying 20%+ of

DirtBikeDad

1/19/23 1:24pm

I pray as if everything is in the Lord's hands and I work as if everything is in

rbr

1/19/23 9:12am

There is a skill out there some people have that I don’t understand…

Pretorian

1/19/23 10:36am

Sometimes I wish I could be a little more like that. Mostly kidding, of course,

Sparkling Delirium

1/19/23 11:04am

I’m totally with you

Pretorian

1/19/23 1:27pm

I live in Magna. I make barely more than national average.

Creaturecow

1/19/23 11:05am

Nice perspective

U.E. McGill

1/19/23 12:28pm

<< Deleted >>

Longhaul

1/19/23 1:08pm

My 2 cars combine to 378k miles. My last car payment was cash for a used-car

TailgateU

1/19/23 2:28pm

True, but who said anything about it being ugly just cause it's old.

Creaturecow

1/20/23 7:40am

RE: I live in Magna. I make barely more than national average.

flatliner

1/20/23 9:41am

"after spending time dead" combined with your username indicates you

squidmark

1/20/23 9:58am

RE: "after spending time dead" combined with your username indicates you

flatliner

1/20/23 11:41am

We probably have a lot of things to talk about. I lost my father when I was

Creaturecow

1/20/23 10:32am

How long ago did you live in Tijuana?

Creaturecow

1/20/23 12:36pm

RE: How long ago did you live in Tijuana?

flatliner

1/20/23 1:22pm

Gotcha.

Creaturecow

1/20/23 1:54pm

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