Distribution of Wealth in SD County

[sdcellar]

AN, I have to say the BS detector is really starting to take off, if for no other reason your troubling use of tense. You talk about various investments like something you should do, or switch to or do differently. Seems very odd for a guy who says he’s been putting $50K a year into savings and investments.

You talk about different times of good return in the market that have nothing to do with your investment timeframe. Around me, most people I know are very disappointed with their investment return over the last decade. You, being the savvy young know-it-all you are, know that past performance is no guarantee of future return, so sure, things can certainly turn around, but it’s equally (and somewhat scarily) possible that they won’t. What the market did between 1960 and 1980 doesn’t do me any good.

But again, you come off like someone who talks of financial markets who doesn’t have much skin in the game. Maybe you’ll buy some Berkshire Hathaway, maybe some DOW index. Maybe a CD. Hmmmm.

And again, you find it less than hard to save that money, but sounds like you’re living a fairly lavish (frugal) life. Nice restaurants, luxury cars, vacations and you’re saving a ton to boot. Maybe this is a case where my literal sense is doing me in. Perhaps by luxury car you mean a ’92 Lexus ES250. Maybe by nice dinner, you mean Souplantation. And that vacation is two days at Torrey Pines State Beach.

[an]

sdcellar, how can your BS detector be taking off when it’s already in the stratosphere? All I can say is, like most people, I’m quite disappointed in my investment performance over the last 5 years. I feel the market will yield >4% return yearly for the next 15 years, that’s why I’m still in equity. Since you talk a great game about investment, what do you think is a reasonable expectation of ROI in equity for the next 15 years? Once you tell us what your expectation is for ROI over the next 15 years, then we can leave the investment part of this conversation alone for the next 15 years. After 15 years, if this site is still around, we can return to this portion of the conversation and see who’s right.

Yes, I drive a 92 Lexus and love Souplantation.

BTW, there seem to be quite a few people on this site who have no problem saving 30%+ of their net income. I guess according to you, a lot of Piggs are atypical huh?

[an]

sdcellar, how can your BS detector be taking off when it’s already in the stratosphere? All I can say is, like most people, I’m quite disappointed in my investment performance over the last 5 years. I feel the market will yield >4% return yearly for the next 15 years, that’s why I’m still in equity. Since you talk a great game about investment, what do you think is a reasonable expectation of ROI in equity for the next 15 years? Once you tell us what your expectation is for ROI over the next 15 years, then we can leave the investment part of this conversation alone for the next 15 years. After 15 years, if this site is still around, we can return to this portion of the conversation and see who’s right.

Yes, I drive a 92 Lexus and love Souplantation.

BTW, there seem to be quite a few people on this site who have no problem saving 30%+ of their net income. I guess according to you, a lot of Piggs are atypical huh?

[an]

sdcellar, how can your BS detector be taking off when it’s already in the stratosphere? All I can say is, like most people, I’m quite disappointed in my investment performance over the last 5 years. I feel the market will yield >4% return yearly for the next 15 years, that’s why I’m still in equity. Since you talk a great game about investment, what do you think is a reasonable expectation of ROI in equity for the next 15 years? Once you tell us what your expectation is for ROI over the next 15 years, then we can leave the investment part of this conversation alone for the next 15 years. After 15 years, if this site is still around, we can return to this portion of the conversation and see who’s right.

Yes, I drive a 92 Lexus and love Souplantation.

BTW, there seem to be quite a few people on this site who have no problem saving 30%+ of their net income. I guess according to you, a lot of Piggs are atypical huh?

[an]

sdcellar, how can your BS detector be taking off when it’s already in the stratosphere? All I can say is, like most people, I’m quite disappointed in my investment performance over the last 5 years. I feel the market will yield >4% return yearly for the next 15 years, that’s why I’m still in equity. Since you talk a great game about investment, what do you think is a reasonable expectation of ROI in equity for the next 15 years? Once you tell us what your expectation is for ROI over the next 15 years, then we can leave the investment part of this conversation alone for the next 15 years. After 15 years, if this site is still around, we can return to this portion of the conversation and see who’s right.

Yes, I drive a 92 Lexus and love Souplantation.

BTW, there seem to be quite a few people on this site who have no problem saving 30%+ of their net income. I guess according to you, a lot of Piggs are atypical huh?

[an]

sdcellar, how can your BS detector be taking off when it’s already in the stratosphere? All I can say is, like most people, I’m quite disappointed in my investment performance over the last 5 years. I feel the market will yield >4% return yearly for the next 15 years, that’s why I’m still in equity. Since you talk a great game about investment, what do you think is a reasonable expectation of ROI in equity for the next 15 years? Once you tell us what your expectation is for ROI over the next 15 years, then we can leave the investment part of this conversation alone for the next 15 years. After 15 years, if this site is still around, we can return to this portion of the conversation and see who’s right.

Yes, I drive a 92 Lexus and love Souplantation.

BTW, there seem to be quite a few people on this site who have no problem saving 30%+ of their net income. I guess according to you, a lot of Piggs are atypical huh?

[sdcellar]

I don’t speak any great game in investments, because I’ve never thought it easy. You’re the one who sounds like an armchair quarterback, not me.

On the cars, I believe you completely. On the restaurants, same thing. Vacations too.

With regard to saving $4000 a month and investing in anything significant beyond your 401(k) mutual funds, I’m almost certainly convinced that you’re strreeeeeettching the truth.

[sdcellar]

I don’t speak any great game in investments, because I’ve never thought it easy. You’re the one who sounds like an armchair quarterback, not me.

On the cars, I believe you completely. On the restaurants, same thing. Vacations too.

With regard to saving $4000 a month and investing in anything significant beyond your 401(k) mutual funds, I’m almost certainly convinced that you’re strreeeeeettching the truth.

[sdcellar]

I don’t speak any great game in investments, because I’ve never thought it easy. You’re the one who sounds like an armchair quarterback, not me.

On the cars, I believe you completely. On the restaurants, same thing. Vacations too.

With regard to saving $4000 a month and investing in anything significant beyond your 401(k) mutual funds, I’m almost certainly convinced that you’re strreeeeeettching the truth.

[sdcellar]

I don’t speak any great game in investments, because I’ve never thought it easy. You’re the one who sounds like an armchair quarterback, not me.

On the cars, I believe you completely. On the restaurants, same thing. Vacations too.

With regard to saving $4000 a month and investing in anything significant beyond your 401(k) mutual funds, I’m almost certainly convinced that you’re strreeeeeettching the truth.

[sdcellar]

I don’t speak any great game in investments, because I’ve never thought it easy. You’re the one who sounds like an armchair quarterback, not me.

On the cars, I believe you completely. On the restaurants, same thing. Vacations too.

With regard to saving $4000 a month and investing in anything significant beyond your 401(k) mutual funds, I’m almost certainly convinced that you’re strreeeeeettching the truth.

[sdcellar]

Awww, you changed your post. I guess only me and a few other lucky Piggs get to know exactly what cars you drive, exactly where you like to eat nice dinners and your favorite vacation spots.

I can appreciate a desire for privacy so I won’t out you, but you’ve never seemed too concerned about it in the past, so could it be that your answers would also lead others to go “huh?”.

Anyway, you certainly seem to be able to do and have it all and are well on your way to to road to riches. You should write a book because I am _certain_ people would love to know your secret.

I think the ’92 Lexus is a piece of crap and I like Souplantation a lot.

I’ll answer your savers question on the thread you posted.

[sdcellar]

Awww, you changed your post. I guess only me and a few other lucky Piggs get to know exactly what cars you drive, exactly where you like to eat nice dinners and your favorite vacation spots.

I can appreciate a desire for privacy so I won’t out you, but you’ve never seemed too concerned about it in the past, so could it be that your answers would also lead others to go “huh?”.

Anyway, you certainly seem to be able to do and have it all and are well on your way to to road to riches. You should write a book because I am _certain_ people would love to know your secret.

I think the ’92 Lexus is a piece of crap and I like Souplantation a lot.

I’ll answer your savers question on the thread you posted.

[sdcellar]

Awww, you changed your post. I guess only me and a few other lucky Piggs get to know exactly what cars you drive, exactly where you like to eat nice dinners and your favorite vacation spots.

I can appreciate a desire for privacy so I won’t out you, but you’ve never seemed too concerned about it in the past, so could it be that your answers would also lead others to go “huh?”.

Anyway, you certainly seem to be able to do and have it all and are well on your way to to road to riches. You should write a book because I am _certain_ people would love to know your secret.

I think the ’92 Lexus is a piece of crap and I like Souplantation a lot.

I’ll answer your savers question on the thread you posted.

[sdcellar]

Awww, you changed your post. I guess only me and a few other lucky Piggs get to know exactly what cars you drive, exactly where you like to eat nice dinners and your favorite vacation spots.

I can appreciate a desire for privacy so I won’t out you, but you’ve never seemed too concerned about it in the past, so could it be that your answers would also lead others to go “huh?”.

Anyway, you certainly seem to be able to do and have it all and are well on your way to to road to riches. You should write a book because I am _certain_ people would love to know your secret.

I think the ’92 Lexus is a piece of crap and I like Souplantation a lot.

I’ll answer your savers question on the thread you posted.

[Author]

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