[sdcellar]

[quote=AN]I don’t stretch the saving. I haven’t revealed to you what I earned from that saving, so how can I be stretching it? I just say I think one can reasonably expect 8% return over a LONG term. Whether it actually happen that way or not, we’ll have to see. I do consider 401k, IRA, & ESA as savings.[/quote]Okay, now reading and comprehension are breaking down, I spoke to what you were saving each month, nothing regarding your return. I couldn’t even if I wanted to because you never published it (totally fine with that, please don’t bother). Probably gets confusing when you’re making stuff up. If you’re earning close to $4,000 a month on investments, I beg you to private message me the details!

I think those are fine things to consider savings (especially since they are), but as some other posters have pointed out, they are hardly liquid investments. The theme in this thread (and the housing market in general) really hinges around non-retirement savings. You can’t (or at least you shouldn’t) be putting your retirement savings into a house purchase (and before you protest, I know you didn’t). But I’m not here to nitpick and I’ve been giving you full credit for any savings vehicle you’ve been using. It is indeed all savings.

[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.

[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]

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]

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.

[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.

[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.

[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.

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