I find it crazy that to be in the 90th percentile at you have to have $180k.

I have the same question. What is the criteria for job hopping?

To put it simply, you are betting that your future effective tax rate will be lower than your current tax rate.

I know you were being slightly sarcastic, but I'll respond in a serious way.

I second the cruises, especially if you are within driving distance of a port. The last cruise I took was <$40 night base fare, with a total price for a 4 night cruise for 2 people of <$500 including gratuities.

If this ever happens again, put the key in the drivers side door lock, twist to lock and hold. All the windows will go up.

I had a similar experience with food items. I messed up on subscribe and save for baby food and tried to cancel after it was too late. Rep said it was canceled and I got tracking later that night. I chatted again and I asked to do a return or refuse delivery. Rep did the return and said to keep the food ($120 worth)…

This is great advice. I look back at when I was a young professional and look at all of the money that I threw away and cringe.

You could just take subsidized loans (if available and if they aren't, you probably won't qualify for much else aid wise) years 1-3 and then take a lump sum in year 4 and pay them all off.

I had a similar "problem". My salary went up over 35% in a 2 year span. My assets grew by about the same, but using that philosophy, I made no progress in those 2 years.

I bought a car on Black Friday in 2012, a Mazda. It was simply and there were no crowds. The worst part of the day was when we ran out to get lunch after the deal was made and we were waiting for them to prepare all of the paperwork for us to sign. The crowds from the black friday shoppers were terrible.

Thanks. One of the amazing things is how many of my friends thought I was crazy. They hard a hard time grasping that students loan aren't free money.

That's a great quote, but it is from Dave Ramsey

I got an internship at the start of my junior year of college that paid very well for a college student. I kept my college student lifestyle and I was able to quit taking loans at that point. I saved enough by the time I graduated two and a half years later to pay off my loans I accumulated through my first 2 years of…

Also used to move rockets

This is many years old, but here is my contribution

He actually uses an iPhone as a personal phone...

The Element is actually a terrible baby car for one big reason. The rear suicide doors don't extend back to the back seat. To put a child seat in is torture. You can't put a child in a rear facing seat without climbing fully in. If you have a car seat with a base and carrier setup (which are awesome), you have to do…

Nice car, but an unmodified version sells for <$50k. Not worth a $20k premium for a body kit.

My wife and I did a Mediterranean cruise last summer. My single biggest recommendation is to link up with people in your cruise, either via the cruise critic message board or check facebook groups. You can slide into private excursions booked by others or book private excursions and invite others to join to reduce the…