"Adulting"

[Lawn Guyland]

I never understood the notion of selling or trading in something you love, and are passionate about, because it's what you "have" to do.

Does being an adult mean you now have more responsibility? Of course. Does it mean your money has to go to other places then just your jeep or weekend trips? Yes, absolutely. But, does being an adult does not mean you need to give up what makes you happy, what motivates you, and what you're passionate about? That's the impression I am getting on this forum lately.

[Odinthor]

My understanding of the term is that it means you have these nasty things called 'responsibilities' that inherently get in the way of doing things that you 'enjoy' and 'want to do'. This is distinguished from the normal circumstances because you understand, acknowledge, and accept that you have to take care of the 'responsibility' instead of/before the 'want to do/enjoy'.

For example; having to spend half of your paycheck on a mortgage or buy groceries instead of buying new tires for your Jeep that are a mere two inches larger than what you already have on said vehicle.

Now with that said; Adulting should not be used as an excuse, and like Nicole said, shouldnt be a thing that completely prevents you from, in time, achieving your 'want to do/enjoy' thing. It just might take a little longer.

[Hydra]

^^^

Don't lose your dinosaur

[HeavyMetal]

For example; having to spend half of your paycheck on a mortgage or buy groceries instead of buying new tires for your Jeep that are a mere two inches larger than what you already have on said vehicle.

Lets turn this into a productive discussion based on this statement.

If you are spending half your paycheck on a mortgage, couldn't it be argued that the "adult" decision would be to not have a mortgage that takes half your paycheck? Why is spending all your money on a mortgage considered responsible, while owning a fun Jeep is not? Why is having a mortgage at all considered being an adult and responsible just by the nature of HAVING it. I know this sounds like I am shitting on people by what I am saying, but I think its a worthy discussion if nothing else.

I think its fair to argue that "adulting" is living within your means and being able to afford to do the things you want to do, while still progressing forward, and not putting all your eggs in the perceived "responsible" basket.

The whole premise of "adult" thought is flawed to begin with, in my opinion. We are all in the same battle, nothing makes you an adult other than turning 18. The idea of buying a sensible car, buying a house, so on and so forth, are just manufactured societal expectations in the idea of "growing up" and in no way automatically represent surviving or succeeding or enjoying life.

[SupermanIce-J]

Now with that said; Adulting should not be used as an excuse, and like Nicole said, shouldnt be a thing that completely prevents you from, in time, achieving your 'want to do/enjoy' thing. It just might take a little longer.

BOOM. instead of putting it on the credit card... i am now saving up for it.

[SupermanIce-J]

Lets turn this into a productive discussion based on this statement.

If you are spending half your paycheck on a mortgage, couldn't it be argued that the "adult" decision would be to not have a mortgage that takes half your paycheck? Why is spending all your money on a mortgage considered responsible, while owning a fun Jeep is not? Why is having a mortgage at all considered being an adult and responsible just by the nature of HAVING it. I know this sounds like I am shitting on people by what I am saying, but I think its a worthy discussion if nothing else.

I think its fair to argue that "adulting" is living within your means and being able to afford to do the things you want to do, while still progressing forward, and not putting all your eggs in the perceived "responsible" basket.

I totally agree with you on the mortgage idea... buying with in your means is absolutely necessary.

one thing to note is that it isn't getting any cheaper to buy houses nowadays... and generally the wages are not going up.

And like I said in a previous post... some people's responsibilities are different... Some SIS'rs have kids meow. that is a whole new ball game of responsibility that will definitely be a change of lifestyle for at least a little while... until the little ones get the wheeling bug.

[Hydra]

Lets turn this into a productive discussion based on this statement.

If you are spending half your paycheck on a mortgage, couldn't it be argued that the "adult" decision would be to not have a mortgage that takes half your paycheck? Why is spending all your money on a mortgage considered responsible, while owning a fun Jeep is not? Why is having a mortgage at all considered being an adult and responsible just by the nature of HAVING it. I know this sounds like I am shitting on people by what I am saying, but I think its a worthy discussion if nothing else.

I think its fair to argue that "adulting" is living within your means and being able to afford to do the things you want to do, while still progressing forward, and not putting all your eggs in the perceived "responsible" basket.

The whole premise of "adult" thought is flawed to begin with, in my opinion. We are all in the same battle, nothing makes you an adult other than turning 18.

I couldn't agree more. This false assumption that having a mortgage, making car payments, etc. (let alone marriage and kids, that's another discussion entirely) makes you a paradigm of adulthood is lunacy.

Do I want a house one day, and kids, and all that stuff? You bet. But I'm young (ish), and I wanna be able to enjoy the most carefree years of my life doing things that I want to do. Like ride stupid, idiotic motorized garbage piles through traffic or go to Montreal for a weekend, on a whim, so I can break my elbow riding a half-pipe inside a bar while a French-speaking metal band throws beer at the crowd.

[HeavyMetal]

I couldn't agree more. This false assumption that having a mortgage, making car payments, etc. (let alone marriage and kids, that's another discussion entirely) makes you a paradigm of adulthood is lunacy.

Do I want a house one day, and kids, and all that stuff? You bet. But I'm young (ish), and I wanna be able to enjoy the most carefree years of my life doing things that I want to do. Like ride stupid, idiotic motorized garbage piles through traffic or go to Montreal for a weekend, on a whim, so I can break my elbow riding a half-pipe inside a bar while a French-speaking metal band throws beer at the crowd.

Youth and time is worth way more than money, a house, or anything else. I think we are drinking the same drink here.

[Odinthor]

If you are spending half your paycheck on a mortgage, couldn't it be argued that the "adult" decision would be to not have a mortgage that takes half your paycheck? Why is spending all your money on a mortgage considered responsible, while owning a fun Jeep is not?
I think its fair to argue that "adulting" is living within your means and being able to afford to do the things you want to do, while still progressing forward, and not putting all your eggs in the perceived "responsible" basket.

My previous example was an exaggeration to make the point, if that was not clear. Half a paycheck mortgage is ridonkculous

I believe being able to balance having the mortgage and owning a fun Jeep (and if something breaks you can afford to fix it without selling a kidney) is what 'adulting' should be. In other words, you're doing shit correctly and are capable of managing everything in your life at the same time; not dumping all your money into something and forsaking other things.

EDIT:
I think the real 'issue' is having 'oh sorry im adulting' being used as a perceived excuse, as if it's something BAD, when really its a good thing.

[HeavyMetal]

My previous example was an exaggeration to make the point, if that was not clear. Half a paycheck mortgage is ridonkculous

I believe being able to balance having the mortgage and owning a fun Jeep (and if something breaks you can afford to fix it without selling a kidney) is what 'adulting' should be. In other words, you're doing shit correctly and are capable of managing everything in your life at the same time; not dumping all your money into something and forsaking other things.

[Burton58]

My mortgage is the same as renting in the area. Renting vs buying has nothing to do with it. I chose to sell my jeep to move away and buy a house that I enjoy and if it came down to it I'm much happier owning my own home that I can do with as I please over having a jeep

[Hydra]

Youth and time is worth way more than money, a house, or anything else. I think we are drinking the same drink here.

That old adage about Money, Time, and Energy:

When you're young and virile, you have Time and Energy, but no Money.

When you're middle-aged and have a small belly, you have Money and Energy, but no Time.

And when you're old as crusty socks, you have Money and Time, but no Energy.

[Hydra]

My mortgage is the same as renting in the area. Renting vs buying has nothing to do with it. I chose to sell my jeep to move away and buy a house that I enjoy and if it came down to it I'm much happier owning my own home that I can do with as I please over having a jeep

Live in jeep, best of both worlds?

[SupermanIce-J]

Youth and time is worth way more than money, a house, or anything else. I think we are drinking the same drink here.

So... I took a class thrugh my church called "Dave Ramsey's Financial Peace University."

It talked about budgeting and getting out of debt and all that jazz... I learned a shit ton of responsible ways to save money and get out of debt...

However the one flaw I found in it (at least for me) was the notion that YOU ARE SAVING FOR RETIREMENT... you dont need a fancy car right now... you can have that later. It boggled my mind.

there is one technique called the "debt snowball" which is where you take your lowest debt and pay it off as fast as you can... and then when that debt is settled you put all that money towards your next lowest debt... and the snowball effect continues. I have gotten out of debt this way but i mended it a little by splitting the money i used toward the smallest debt and split it in 1/2 so that i can have a lifestyle increase because of less debt.

(okay... im done.lol)
I still want to have fun and I Do... i just budget for it rather than go into deeper debt.

[Odinthor]

Also; to people who think this place is dead. WE JUST NEED REAL, SOLID TOPICS TO DISCUSS!