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<blockquote data-quote="InDaShop" data-source="post: 15786"><p>Max it out each year, with or without employer contributions. 401k max funding was $15,500 this year, I think its $16k next year for our age group. Knock it down so you pay less income tax now when it counts. And for all you guys that mess around in your 401k, get it over to the foreign funds as soon as possible. I've been 70+% overseas for over a year. Mo Money'!!! American dollar isn't worth ****. </p><p></p><p>Debt, get the fawk out of it. Kick scream, lie cheat, whatever, just get out of it. </p><p></p><p>I may be a trader but financial planning isn't my thing. I probably leave money on the table in some areas, I need to button those up. I sock everything I can away. I owe on two things, my house (no ****) and my wifes car (doh). Everything else gets put away. And like Dave said pay yourself 1st. </p><p></p><p>I started a car account to funnel money through that I was cool with using for hobbies. Thing is a life saver. If I dont have dough in there, I dont get to do it. The last 2 months, nothing in there. But I expect Jan-April to be good, so thats how I'm going to run XRRA (maybe money gives out after 1 race, hopefully not). How did I buy a buggy? Ask Kelly (Blacksheep), I've been shopping for one for 18+ months and been socking a rediculous amount of money for buggy or build for close to 4 years. Yeah I know, no wheeling except as a rider, but now I'm feeling pretty solid. </p><p></p><p>Also you'd be amazed at where you can add value to your pocketbook. If you always have a lil cash cushion, you can always jump on that HP60 that so and so is offloading for $700 cause he needs to dough. Then flip that bitch for $900-1000. I just made my Christmas money on selling a f'load of SBC parts that I completely bought on spec cause the guy was going vintage Ford Flathead in his hotrod. Know whats hot, know whats not, know what you can move and the value of it. Cash is always the best to be liquid, but if you can flip something for some coin do it. We are in prime parts swap season as guys are all buying building, and the opposite guys are selling crap to pay for Christmas, and April 15th.</p></blockquote><p></p>
[QUOTE="InDaShop, post: 15786"] Max it out each year, with or without employer contributions. 401k max funding was $15,500 this year, I think its $16k next year for our age group. Knock it down so you pay less income tax now when it counts. And for all you guys that mess around in your 401k, get it over to the foreign funds as soon as possible. I've been 70+% overseas for over a year. Mo Money'!!! American dollar isn't worth ****. Debt, get the fawk out of it. Kick scream, lie cheat, whatever, just get out of it. I may be a trader but financial planning isn't my thing. I probably leave money on the table in some areas, I need to button those up. I sock everything I can away. I owe on two things, my house (no ****) and my wifes car (doh). Everything else gets put away. And like Dave said pay yourself 1st. I started a car account to funnel money through that I was cool with using for hobbies. Thing is a life saver. If I dont have dough in there, I dont get to do it. The last 2 months, nothing in there. But I expect Jan-April to be good, so thats how I'm going to run XRRA (maybe money gives out after 1 race, hopefully not). How did I buy a buggy? Ask Kelly (Blacksheep), I've been shopping for one for 18+ months and been socking a rediculous amount of money for buggy or build for close to 4 years. Yeah I know, no wheeling except as a rider, but now I'm feeling pretty solid. Also you'd be amazed at where you can add value to your pocketbook. If you always have a lil cash cushion, you can always jump on that HP60 that so and so is offloading for $700 cause he needs to dough. Then flip that bitch for $900-1000. I just made my Christmas money on selling a f'load of SBC parts that I completely bought on spec cause the guy was going vintage Ford Flathead in his hotrod. Know whats hot, know whats not, know what you can move and the value of it. Cash is always the best to be liquid, but if you can flip something for some coin do it. We are in prime parts swap season as guys are all buying building, and the opposite guys are selling crap to pay for Christmas, and April 15th. [/QUOTE]
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