Help… Should we sell, or stay???

[barnaby33]

Maybe its my crazy upbringing but I’d say ask your wife to get a job. You working 80-90 hours a week is fucking insane. Leave the rest of the issue aside. A wife that would be ok with that for a lifestyle needs some kind of attitude adjustment.

One of my problems is that I always seem to date work-aholic women and the toll has always been evident. however none of them works 90 hours a week and my present girlfriend is a self employed horse trainer who works 6 days a week.
Josh

[Anonymous]

I would certainly postpone any ideas of selling your house. The stock market and your 401(k) are not directly tied to your home’s value. You’re young and while I am five years older than you, I consider myself pretty young too. My SEP/IRA took a bashing this year too. But I don’t tie that to my property value. We have a certain number of years for that to recover so set that issue aside, don’t liquidate that portfolio and let time work for you.

Keep your original goal of paying off your house by the time you’re 50. That alone puts you in above 90% of the home owners in San Diego…if you can accomplish that.

Keep working, keep taking care of your kids, sock some money away and keep that VERY PHENONMENAL mortgage in place.

And for the love of God, your wife should get a job. It can help in a million ways. We don’t live on the set of Mad Men. It’s OK, this is normal. This advice is coming from a woman CEO, so get after it and help her find something!

What’s your next question?

[Anonymous]

I would certainly postpone any ideas of selling your house. The stock market and your 401(k) are not directly tied to your home’s value. You’re young and while I am five years older than you, I consider myself pretty young too. My SEP/IRA took a bashing this year too. But I don’t tie that to my property value. We have a certain number of years for that to recover so set that issue aside, don’t liquidate that portfolio and let time work for you.

Keep your original goal of paying off your house by the time you’re 50. That alone puts you in above 90% of the home owners in San Diego…if you can accomplish that.

Keep working, keep taking care of your kids, sock some money away and keep that VERY PHENONMENAL mortgage in place.

And for the love of God, your wife should get a job. It can help in a million ways. We don’t live on the set of Mad Men. It’s OK, this is normal. This advice is coming from a woman CEO, so get after it and help her find something!

What’s your next question?

[Anonymous]

I would certainly postpone any ideas of selling your house. The stock market and your 401(k) are not directly tied to your home’s value. You’re young and while I am five years older than you, I consider myself pretty young too. My SEP/IRA took a bashing this year too. But I don’t tie that to my property value. We have a certain number of years for that to recover so set that issue aside, don’t liquidate that portfolio and let time work for you.

Keep your original goal of paying off your house by the time you’re 50. That alone puts you in above 90% of the home owners in San Diego…if you can accomplish that.

Keep working, keep taking care of your kids, sock some money away and keep that VERY PHENONMENAL mortgage in place.

And for the love of God, your wife should get a job. It can help in a million ways. We don’t live on the set of Mad Men. It’s OK, this is normal. This advice is coming from a woman CEO, so get after it and help her find something!

What’s your next question?

[Anonymous]

I would certainly postpone any ideas of selling your house. The stock market and your 401(k) are not directly tied to your home’s value. You’re young and while I am five years older than you, I consider myself pretty young too. My SEP/IRA took a bashing this year too. But I don’t tie that to my property value. We have a certain number of years for that to recover so set that issue aside, don’t liquidate that portfolio and let time work for you.

Keep your original goal of paying off your house by the time you’re 50. That alone puts you in above 90% of the home owners in San Diego…if you can accomplish that.

Keep working, keep taking care of your kids, sock some money away and keep that VERY PHENONMENAL mortgage in place.

And for the love of God, your wife should get a job. It can help in a million ways. We don’t live on the set of Mad Men. It’s OK, this is normal. This advice is coming from a woman CEO, so get after it and help her find something!

What’s your next question?

[Anonymous]

I would certainly postpone any ideas of selling your house. The stock market and your 401(k) are not directly tied to your home’s value. You’re young and while I am five years older than you, I consider myself pretty young too. My SEP/IRA took a bashing this year too. But I don’t tie that to my property value. We have a certain number of years for that to recover so set that issue aside, don’t liquidate that portfolio and let time work for you.

Keep your original goal of paying off your house by the time you’re 50. That alone puts you in above 90% of the home owners in San Diego…if you can accomplish that.

Keep working, keep taking care of your kids, sock some money away and keep that VERY PHENONMENAL mortgage in place.

And for the love of God, your wife should get a job. It can help in a million ways. We don’t live on the set of Mad Men. It’s OK, this is normal. This advice is coming from a woman CEO, so get after it and help her find something!

What’s your next question?

[temeculaguy]

You just took too big a bite from the apple, don’t blame the apple. 420k for 30 at 5% is $2250 P&I. Get in contact with HLS, have him monitor the intraday rates and refi to 30 like the rest of the world. At your current accelerated rate of paying off your mortgage you are accelerating your date with your maker. It’s o.k. to take it slow, financing less than 2x your income is fine in a market like carlsbad and you will live more comfortably, owning outright by 50 is obvious too lofty a goal so modify your goal, perhaps you will live past 50. With your income you are going to be paying full boat for the kids college so invest some of the savings from your new mortgage into an education roth, spend less time at work and more time drinking wine, smoking cigars and watching internet porn, all three work wonders on your blood pressure. For gods sake send those kids to public school, you already bought a house in one of the best school districts in the world, at least 20% of your value is because of the schools, take advantage of it. You remind me of richard gere in pretty woman who pays for the penthouse but is afraid of heights and wont go on the balcony.

Look at your numbers, they are enviable. I am 41 and i just took out a 30 year mortgage, I have two kids that will both be in college within 6 years, I make half what you do but my mortgage is more than half of what yours will be if you refi and I feel like I won the lottery while you are a bundle of nerves. Literally dozens if not hundreds of readers live vicariously through me and you can beat me and make me look stupid, so do it, get off the treadmill already and enjoy your time on the planet. Perhaps my view is skewed, I didn’t knock down an 18 hour shift to come home to the home schooler wife, I smoked an arturo fuente don carlos and opened a bottle of cab, saw that the celtics and the cavaliers lost and if I checked my blood pressure it would be 120/80 at worst. Find balance in your balance sheet, come to the dark side, we have cookies.

[temeculaguy]

You just took too big a bite from the apple, don’t blame the apple. 420k for 30 at 5% is $2250 P&I. Get in contact with HLS, have him monitor the intraday rates and refi to 30 like the rest of the world. At your current accelerated rate of paying off your mortgage you are accelerating your date with your maker. It’s o.k. to take it slow, financing less than 2x your income is fine in a market like carlsbad and you will live more comfortably, owning outright by 50 is obvious too lofty a goal so modify your goal, perhaps you will live past 50. With your income you are going to be paying full boat for the kids college so invest some of the savings from your new mortgage into an education roth, spend less time at work and more time drinking wine, smoking cigars and watching internet porn, all three work wonders on your blood pressure. For gods sake send those kids to public school, you already bought a house in one of the best school districts in the world, at least 20% of your value is because of the schools, take advantage of it. You remind me of richard gere in pretty woman who pays for the penthouse but is afraid of heights and wont go on the balcony.

Look at your numbers, they are enviable. I am 41 and i just took out a 30 year mortgage, I have two kids that will both be in college within 6 years, I make half what you do but my mortgage is more than half of what yours will be if you refi and I feel like I won the lottery while you are a bundle of nerves. Literally dozens if not hundreds of readers live vicariously through me and you can beat me and make me look stupid, so do it, get off the treadmill already and enjoy your time on the planet. Perhaps my view is skewed, I didn’t knock down an 18 hour shift to come home to the home schooler wife, I smoked an arturo fuente don carlos and opened a bottle of cab, saw that the celtics and the cavaliers lost and if I checked my blood pressure it would be 120/80 at worst. Find balance in your balance sheet, come to the dark side, we have cookies.

[temeculaguy]

You just took too big a bite from the apple, don’t blame the apple. 420k for 30 at 5% is $2250 P&I. Get in contact with HLS, have him monitor the intraday rates and refi to 30 like the rest of the world. At your current accelerated rate of paying off your mortgage you are accelerating your date with your maker. It’s o.k. to take it slow, financing less than 2x your income is fine in a market like carlsbad and you will live more comfortably, owning outright by 50 is obvious too lofty a goal so modify your goal, perhaps you will live past 50. With your income you are going to be paying full boat for the kids college so invest some of the savings from your new mortgage into an education roth, spend less time at work and more time drinking wine, smoking cigars and watching internet porn, all three work wonders on your blood pressure. For gods sake send those kids to public school, you already bought a house in one of the best school districts in the world, at least 20% of your value is because of the schools, take advantage of it. You remind me of richard gere in pretty woman who pays for the penthouse but is afraid of heights and wont go on the balcony.

Look at your numbers, they are enviable. I am 41 and i just took out a 30 year mortgage, I have two kids that will both be in college within 6 years, I make half what you do but my mortgage is more than half of what yours will be if you refi and I feel like I won the lottery while you are a bundle of nerves. Literally dozens if not hundreds of readers live vicariously through me and you can beat me and make me look stupid, so do it, get off the treadmill already and enjoy your time on the planet. Perhaps my view is skewed, I didn’t knock down an 18 hour shift to come home to the home schooler wife, I smoked an arturo fuente don carlos and opened a bottle of cab, saw that the celtics and the cavaliers lost and if I checked my blood pressure it would be 120/80 at worst. Find balance in your balance sheet, come to the dark side, we have cookies.

[temeculaguy]

You just took too big a bite from the apple, don’t blame the apple. 420k for 30 at 5% is $2250 P&I. Get in contact with HLS, have him monitor the intraday rates and refi to 30 like the rest of the world. At your current accelerated rate of paying off your mortgage you are accelerating your date with your maker. It’s o.k. to take it slow, financing less than 2x your income is fine in a market like carlsbad and you will live more comfortably, owning outright by 50 is obvious too lofty a goal so modify your goal, perhaps you will live past 50. With your income you are going to be paying full boat for the kids college so invest some of the savings from your new mortgage into an education roth, spend less time at work and more time drinking wine, smoking cigars and watching internet porn, all three work wonders on your blood pressure. For gods sake send those kids to public school, you already bought a house in one of the best school districts in the world, at least 20% of your value is because of the schools, take advantage of it. You remind me of richard gere in pretty woman who pays for the penthouse but is afraid of heights and wont go on the balcony.

Look at your numbers, they are enviable. I am 41 and i just took out a 30 year mortgage, I have two kids that will both be in college within 6 years, I make half what you do but my mortgage is more than half of what yours will be if you refi and I feel like I won the lottery while you are a bundle of nerves. Literally dozens if not hundreds of readers live vicariously through me and you can beat me and make me look stupid, so do it, get off the treadmill already and enjoy your time on the planet. Perhaps my view is skewed, I didn’t knock down an 18 hour shift to come home to the home schooler wife, I smoked an arturo fuente don carlos and opened a bottle of cab, saw that the celtics and the cavaliers lost and if I checked my blood pressure it would be 120/80 at worst. Find balance in your balance sheet, come to the dark side, we have cookies.

[temeculaguy]

You just took too big a bite from the apple, don’t blame the apple. 420k for 30 at 5% is $2250 P&I. Get in contact with HLS, have him monitor the intraday rates and refi to 30 like the rest of the world. At your current accelerated rate of paying off your mortgage you are accelerating your date with your maker. It’s o.k. to take it slow, financing less than 2x your income is fine in a market like carlsbad and you will live more comfortably, owning outright by 50 is obvious too lofty a goal so modify your goal, perhaps you will live past 50. With your income you are going to be paying full boat for the kids college so invest some of the savings from your new mortgage into an education roth, spend less time at work and more time drinking wine, smoking cigars and watching internet porn, all three work wonders on your blood pressure. For gods sake send those kids to public school, you already bought a house in one of the best school districts in the world, at least 20% of your value is because of the schools, take advantage of it. You remind me of richard gere in pretty woman who pays for the penthouse but is afraid of heights and wont go on the balcony.

Look at your numbers, they are enviable. I am 41 and i just took out a 30 year mortgage, I have two kids that will both be in college within 6 years, I make half what you do but my mortgage is more than half of what yours will be if you refi and I feel like I won the lottery while you are a bundle of nerves. Literally dozens if not hundreds of readers live vicariously through me and you can beat me and make me look stupid, so do it, get off the treadmill already and enjoy your time on the planet. Perhaps my view is skewed, I didn’t knock down an 18 hour shift to come home to the home schooler wife, I smoked an arturo fuente don carlos and opened a bottle of cab, saw that the celtics and the cavaliers lost and if I checked my blood pressure it would be 120/80 at worst. Find balance in your balance sheet, come to the dark side, we have cookies.

[Homeschool2Boys]

Ha… I showed my wife the “get a job” comments and she replied that she would love to… but, she has a job, homeschooling our kids, so an outside job will have to wait a few more years. She earned six figures 10 years ago (during the IT boom) working as a management consultant, but decided to stay home because we have a special needs kid, actually two of them. One was born with a physical disability and has had multiple surgeries that make homeschooling the best option. The other is much smarter than both of us – taking algebra this year at the age of 9. He is also a musical prodigy. Homeschooling works well for him, too, at least at this point. Our marriage and our kids are happy, so I think all I need to change is MY situation, and somehow reduce our expenses, by either selling or refinancing.

I know what you are saying about pricing low and creating a “bidding war” – that does seem to be happening at the low end of the market, with distressed properties under $500K. But would you suggest that strategy in the million dollar range, with a custom home?

[Homeschool2Boys]

Ha… I showed my wife the “get a job” comments and she replied that she would love to… but, she has a job, homeschooling our kids, so an outside job will have to wait a few more years. She earned six figures 10 years ago (during the IT boom) working as a management consultant, but decided to stay home because we have a special needs kid, actually two of them. One was born with a physical disability and has had multiple surgeries that make homeschooling the best option. The other is much smarter than both of us – taking algebra this year at the age of 9. He is also a musical prodigy. Homeschooling works well for him, too, at least at this point. Our marriage and our kids are happy, so I think all I need to change is MY situation, and somehow reduce our expenses, by either selling or refinancing.

I know what you are saying about pricing low and creating a “bidding war” – that does seem to be happening at the low end of the market, with distressed properties under $500K. But would you suggest that strategy in the million dollar range, with a custom home?

[Homeschool2Boys]

Ha… I showed my wife the “get a job” comments and she replied that she would love to… but, she has a job, homeschooling our kids, so an outside job will have to wait a few more years. She earned six figures 10 years ago (during the IT boom) working as a management consultant, but decided to stay home because we have a special needs kid, actually two of them. One was born with a physical disability and has had multiple surgeries that make homeschooling the best option. The other is much smarter than both of us – taking algebra this year at the age of 9. He is also a musical prodigy. Homeschooling works well for him, too, at least at this point. Our marriage and our kids are happy, so I think all I need to change is MY situation, and somehow reduce our expenses, by either selling or refinancing.

I know what you are saying about pricing low and creating a “bidding war” – that does seem to be happening at the low end of the market, with distressed properties under $500K. But would you suggest that strategy in the million dollar range, with a custom home?

[Homeschool2Boys]

Ha… I showed my wife the “get a job” comments and she replied that she would love to… but, she has a job, homeschooling our kids, so an outside job will have to wait a few more years. She earned six figures 10 years ago (during the IT boom) working as a management consultant, but decided to stay home because we have a special needs kid, actually two of them. One was born with a physical disability and has had multiple surgeries that make homeschooling the best option. The other is much smarter than both of us – taking algebra this year at the age of 9. He is also a musical prodigy. Homeschooling works well for him, too, at least at this point. Our marriage and our kids are happy, so I think all I need to change is MY situation, and somehow reduce our expenses, by either selling or refinancing.

I know what you are saying about pricing low and creating a “bidding war” – that does seem to be happening at the low end of the market, with distressed properties under $500K. But would you suggest that strategy in the million dollar range, with a custom home?

[Author]

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