Budget talk

[dubshow]

House (prop taxes and utilities) etc 20k, utilities )$6,581
House "Issues"/Maintenance $400
Car Insurance $250
Car Maintenance $75
Gas/Public Transit $10
Cellphone $228
Car payments $782

Joined Discretionary
Travel $500
Costco $600
Baby ( diapers/formula) $300
Grocery $900
Restaurants&Entertainment $1,400

Variable
Subscriptions $150
Helping out in laws $1,567
Gifts $300
Discretionary/non identified $700

I know that you like to do these things to explore the galaxy of potential change but isn't it true that you're not really moving because at the end of the day you are not willing to move away from your in laws, your dad/stepmom and your friends? And to further stroke the hair on the cat the wrong way, what in the same of the Virgin Mary are you going to do about your in laws once you move to that swee LOW COLA life in Appalachia?

he will save so much he can buy two houses and relocate them.

[dubshow]

So have I. But the reality is that at some point you have to have a place to live that is paid off. If you're not going to move, who cares what the re market does in the next 5 years? Aren't you just trying to have one parent stay at home/work less?

If my house is paid off I am still on the hook for maintenance and repairs which are likely going to up in the next 5 years like crazy. I think my house is due for a total remodel which is about 200k by then... probably 300k adjusted for inflation. And I'd rather pass the buck to olds who care a bit less.

Also prop taxes are $1300 a month. That's not exactly a free house with new shit being added to them EVERY FUCKING YEAR because the mouth breathers think more taxes are the solution.

Holy shizzz. We are $2730 for an assessed $350k house. Other data point is a $475k house was $5500 annual. Yalls bills over $10k are nuts.

[Desertbreh]

I know that you like to do these things to explore the galaxy of potential change but isn't it true that you're not really moving because at the end of the day you are not willing to move away from your in laws, your dad/stepmom and your friends? And to further stroke the hair on the cat the wrong way, what in the same of the Virgin Mary are you going to do about your in laws once you move to that swee LOW COLA life in Appalachia?

he will save so much he can buy two houses and relocate them.

Ugh. This is one problem I have avoided. One parent has passed. The other has mapped out independent/dependent living like Erwin Rommel even if she lives to 100.

[dubshow]

he will save so much he can buy two houses and relocate them.

Ugh. This is one problem I have avoided. One parent has passed. The other has mapped out independent/dependent living like Erwin Rommel even if she lives to 100.

both of my parents (divorced) intend to off themselves in some form if they require living assistance. so they say now in their 70s.

[Desertbreh]

Ugh. This is one problem I have avoided. One parent has passed. The other has mapped out independent/dependent living like Erwin Rommel even if she lives to 100.

both of my parents (divorced) intend to off themselves in some form if they require living assistance. so they say now in their 70s.

My mom will be 85 in February and is still in command of her life. Her grandmother lived to be 101. She may go the distance.

[D Griff]

he will save so much he can buy two houses and relocate them.

Ugh. This is one problem I have avoided. One parent has passed. The other has mapped out independent/dependent living like Erwin Rommel even if she lives to 100.

The aging parents thing is pretty rough.

[max225]

If my house is paid off I am still on the hook for maintenance and repairs which are likely going to up in the next 5 years like crazy. I think my house is due for a total remodel which is about 200k by then... probably 300k adjusted for inflation. And I'd rather pass the buck to olds who care a bit less.

Also prop taxes are $1300 a month. That's not exactly a free house with new shit being added to them EVERY FUCKING YEAR because the mouth breathers think more taxes are the solution.

Holy shizzz. We are $2730 for an assessed $350k house. Other data point is a $475k house was $5500 annual. Yalls bills over $10k are nuts.

That ratio makes no sense. If 475 is $5500 the. 350 should be 3900 or so. All you need to do is have a house over a Millie which is a tear down here to pay these taxes. Or buy before 1990 and pay $2500 a year like most of my neighbors

[dubshow]

Holy shizzz. We are $2730 for an assessed $350k house. Other data point is a $475k house was $5500 annual. Yalls bills over $10k are nuts.

That ratio makes no sense. If 475 is $5500 the. 350 should be 3900 or so. All you need to do is have a house over a Millie which is a tear down here to pay these taxes. Or buy before 1990 and pay $2500 a year like most of my neighbors

different tax districts, schools, etc. The special district shit can really add up. Houses are in same parish (county) but different cities.

[max225]

That ratio makes no sense. If 475 is $5500 the. 350 should be 3900 or so. All you need to do is have a house over a Millie which is a tear down here to pay these taxes. Or buy before 1990 and pay $2500 a year like most of my neighbors

different tax districts, schools, etc. The special district shit can really add up. Houses are in same parish (county) but different cities.

Sub 1% robbery aka prop taxes are super rare. Pretty much Nevada and a handful of other states are there.

Texas is a shit show for ex and so is Florida … they are at 2-2.5%

[Desertbreh]

different tax districts, schools, etc. The special district shit can really add up. Houses are in same parish (county) but different cities.

Sub 1% robbery aka prop taxes are super rare. Pretty much Nevada and a handful of other states are there.

Texas is a shit show for ex and so is Florida … they are at 2-2.5%

Colorado is like .48%

[max225]

Sub 1% robbery aka prop taxes are super rare. Pretty much Nevada and a handful of other states are there.

Texas is a shit show for ex and so is Florida … they are at 2-2.5%

Colorado is like .48%

I’d need to look up the actual homes for sale statewide tax is mostly a guide. Local taxes can be massive

[coogles]

different tax districts, schools, etc. The special district shit can really add up. Houses are in same parish (county) but different cities.

Sub 1% robbery aka prop taxes are super rare. Pretty much Nevada and a handful of other states are there.

Texas is a shit show for ex and so is Florida … they are at 2-2.5%

Indiana is capped at 1%. It's great I guess, though the state gets its money in other ways.

[max225]

Sub 1% robbery aka prop taxes are super rare. Pretty much Nevada and a handful of other states are there.

Texas is a shit show for ex and so is Florida … they are at 2-2.5%

Indiana is capped at 1%. It's great I guess, though the state gets its money in other ways.

https://redf.in/KeMOZr

So it’s other crap that brings it over 1%? Sold for 229 and over 3k in taxes

[D Griff]

Indiana is capped at 1%. It's great I guess, though the state gets its money in other ways.

https://redf.in/KeMOZr

So it’s other crap that brings it over 1%? Sold for 229 and over 3k in taxes

Pretty nice pad for a nice price. Maybe a bad area?

[coogles]

Indiana is capped at 1%. It's great I guess, though the state gets its money in other ways.

https://redf.in/KeMOZr

So it’s other crap that brings it over 1%? Sold for 229 and over 3k in taxes

That sale price was 3 years ago, the assessed value has no doubt gone up since then. Municipalities can also add on special assessments from a referendum for things like school or utility projects.

[coogles]

https://redf.in/KeMOZr

So it’s other crap that brings it over 1%? Sold for 229 and over 3k in taxes

Pretty nice pad for a nice price. Maybe a bad area?

It's on the border. South of 10th street right there is a neighborhood called Irvington that's pretty trendy and generally nice, but 6 blocks north of that border is getting iffy. The east side of Indianapolis is generally a war zone.

[wap]

Ugh. This is one problem I have avoided. One parent has passed. The other has mapped out independent/dependent living like Erwin Rommel even if she lives to 100.

The aging parents thing is pretty rough.

It was rough watching mom's' decline the last few years after being pretty healthy and mentally sharp for the first 89 or so years.

[MexicanYarisTK]

Ugh. This is one problem I have avoided. One parent has passed. The other has mapped out independent/dependent living like Erwin Rommel even if she lives to 100.

The aging parents thing is pretty rough.

my grandparents turned 90 this year, and my parents had to go to Turkey more frequently now. Cause they can't do certain things themselves anymore. Our Clio came in handy for it. We may potentially get an additional car, handmedown from grandpa as Turkey will no longer allow him to drive. Will further explain on my car thread. Also Clio got on towtruck.

[MexicanYarisTK]

The aging parents thing is pretty rough.

It was rough watching mom's' decline the last few years after being pretty healthy and mentally sharp for the first 89 or so years.

Same with my grandmother when she passed in 2013. I saw her last at the hospital bed still aliveliterally 2 days before her passing. As i got closer, it gave me the chills and not in a good way, kinda freaked me out. Machines were maintaining to keep her alive.

[golftdibrad1]

different tax districts, schools, etc. The special district shit can really add up. Houses are in same parish (county) but different cities.

Sub 1% robbery aka prop taxes are super rare. Pretty much Nevada and a handful of other states are there.

Texas is a shit show for ex and so is Florida … they are at 2-2.5%

Texas has no income tax

[max225]

Sub 1% robbery aka prop taxes are super rare. Pretty much Nevada and a handful of other states are there.

Texas is a shit show for ex and so is Florida … they are at 2-2.5%

Texas has no income tax

when you live in a nice 1 millie house you're basically paying the equivalent top up in taxes as you would in cali when making 150k a year.. Prop taxes are theft.

[golftdibrad1]

Texas has no income tax

when you live in a nice 1 millie house you're basically paying the equivalent top up in taxes as you would in cali when making 150k a year.. Prop taxes are theft.

well lots of people care. All taxation is theft, but we all accept a certain amount of it. A lot less 1 mil houses in TX than CA too. TN has no income tax, but does have reasonable prob taxes and kinda silly high sales taxes (that are capped to some extent on big purchases like vehicles). LA had all three. NY has silly prop tax and more reasonable sales tax.

Overall, avg chill dude living in tx pulling down low 6 figs in a 1800 sf house has far less of a tax burden in TX than CA.

[max225]

when you live in a nice 1 millie house you're basically paying the equivalent top up in taxes as you would in cali when making 150k a year.. Prop taxes are theft.

well lots of people care. All taxation is theft, but we all accept a certain amount of it. A lot less 1 mil houses in TX than CA too. TN has no income tax, but does have reasonable prob taxes and kinda silly high sales taxes (that are capped to some extent on big purchases like vehicles). LA had all three. NY has silly prop tax and more reasonable sales tax.

Overall, avg chill dude living in tx pulling down low 6 figs in a 1800 sf house has far less of a tax burden in TX than CA.

Depending on cost of house yep. But that's kind of? apples to oranges.

[golftdibrad1]

well lots of people care. All taxation is theft, but we all accept a certain amount of it. A lot less 1 mil houses in TX than CA too. TN has no income tax, but does have reasonable prob taxes and kinda silly high sales taxes (that are capped to some extent on big purchases like vehicles). LA had all three. NY has silly prop tax and more reasonable sales tax.

Overall, avg chill dude living in tx pulling down low 6 figs in a 1800 sf house has far less of a tax burden in TX than CA.

Depending on cost of house yep. But that's kind of? apples to oranges.

well yea, a nice 1800sf house in the burbs of a nice area in TX is 400k thing. In CA its a mill plus. thats a huge increase in tax burden.

[D Griff]

I will say, I do enjoy Austin, the riverfront and downtown area neighborhoods are really cool! It's certainly prettier than most TX urban areas. The thing is though, Max is right, to live somewhere that is actually nice and offers access to those amenities, it's going to be a lot of money.

To me, living in a big ass open field in a giant boxy home surrounded by giant boxy homes where you're required to sit in traffic on a freeway to do anything is just an absolute shit lifestyle. I get more joy out of walking out my front door and enjoying a nice walk/run/bike ride than pretty much anything else when it comes to where I live. That privilege is pretty damn expensive everywhere.