Guac and queso if you make over $450k

[Anonymous]

Anonymous wrote:

Anonymous wrote:Not paying for guac when you want it and can afford it is an amazing proxy for how sanctimonious someone is. I bet it’s tied to political affiliation, too. Reminds me of the “do you salt your food before you eat it” political analysis done a decade ago.

Most nonsensical post of the week.

https://www.cfr.org/articles/guac-shock-understanding-tariffs-avocados

[Anonymous]

I get it, OP.

I come from a family that watched every penny and we rarely ordered appetizers and had much lower bills than other families.

My DH is a spender who has large tabs and would never even question adding things on.

Now it’s fine because we have plenty of money but if anything changed we’d be screwed. He will spend $10 on bottled waters at the gas station.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We make way more than that and I've always side-eyed my husband for getting both, lol. But I also don't say anything, because I'm not trying to control him.

My kids don't like either, so that's a non-issue, but we do try to limit the "extras" just as a matter of not overdoing it, and keeping some things special. So choose 1 extra, or maybe that thing that costs extra is a special treat. One time one of my kids was super hungry and ordered steak and chicken on a salad at chop't. I wasn't involved in the order, but that would have been an example where I would have encouraged her to pick one.

I know we can afford it, but I don't think we (or my kids) should get everything we want all the time.

Same and we are wealthy. Sometimes I think: one day I will die and my kids will live better than I do on my own money. But I can see they have a healthy relationship with money. They would notice the cost of a water at place A is 3x the cost of a water at place B. I spend a fortune on travel so it isn’t like I am thrifty with all things…but on things like extras like this, sure. FWIW, my husband’s burrito at Chipotle is about $26 with guac and double meat. I think that’s ridiculous.

OP here. Thank you both. Glad I'm not totally crazy.

And this kind of mindset helps you retain your wealth.

$100 a year on queso won’t make a difference in retaining wealth. How much you spend on your cars, your vacations, your home, your kids’ education, these things are far more impactful. Denying your kid something that costs $2 a week is pointless and more likely to create distorted thinking around money.

Totally disagree. It’s a mindset, so if you’re the type that says load it on with guac and queso, you likely:

- buy groceries without looking at price
- stopping for gas at whatever station
- stop and get coffee
- get takeout frequently rather than cooking for ease

Etc.

Lots of incredibly wealthy people are mindful of these things:

https://www.gobankingrates.com/investing/strategy/warren-buffett-buys-his-mcdonalds-based-on-stock-market-should-you/

https://www.motorbiscuit.com/these-wealthy-americans-drive-relatively-cheap-cars/

https://www.thelist.com/1051233/celebs-who-surprisingly-live-on-a-tight-budget/

NP, but I do the bolded, because I have enough money that I am not going to compromise the health of my family by penny pinching on the food we in our bodies. And I am good enough at math to realize that driving around looking for cheaper gas is foolish - if gas is an issue in our budget, we DRIVE LESS.

That’s one way to do it and look at it. But you’re fooling yourself if you think spending less means compromising a family’s health. I make almost all our meals at home- not processed, fresh ingredients.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We make way more than that and I've always side-eyed my husband for getting both, lol. But I also don't say anything, because I'm not trying to control him.

My kids don't like either, so that's a non-issue, but we do try to limit the "extras" just as a matter of not overdoing it, and keeping some things special. So choose 1 extra, or maybe that thing that costs extra is a special treat. One time one of my kids was super hungry and ordered steak and chicken on a salad at chop't. I wasn't involved in the order, but that would have been an example where I would have encouraged her to pick one.

I know we can afford it, but I don't think we (or my kids) should get everything we want all the time.

Same and we are wealthy. Sometimes I think: one day I will die and my kids will live better than I do on my own money. But I can see they have a healthy relationship with money. They would notice the cost of a water at place A is 3x the cost of a water at place B. I spend a fortune on travel so it isn’t like I am thrifty with all things…but on things like extras like this, sure. FWIW, my husband’s burrito at Chipotle is about $26 with guac and double meat. I think that’s ridiculous.

OP here. Thank you both. Glad I'm not totally crazy.

And this kind of mindset helps you retain your wealth.

Which OP agreed that her kids would live better on her $$ than she did.

If that’s your intention fine, but realize you’re also setting up an unhealthy dynamic.

Uh, wrong on both accounts:

I’m the one who said (not OP): “Sometimes I think: one day I will die and my kids will live better than I do on my own money. But I can see they have a healthy relationship with money. They would notice the cost of a water at place A is 3x the cost of a water at place B. I spend a fortune on travel so it isn’t like I am thrifty with all things…but on things like extras like this, sure.”

And obviously my kids have a healthy dynamic. They know to look for discount codes or coupons, just like I do. Seems idiotic to willingly pay more for something just because they have more.

When my kids were younger, we’d be out and they would ask me to buy something. I would tell them if they wanted it, they could use their own money… And most of the time they would say they didn’t want it that much. I think that’s a great lesson for kids. You can’t want something so much only when you’re not the one paying for it. There are wants and needs, and they are not the same thing. I think it’s also valuable for people of all ages to learn to delay gratification.

[Anonymous]

https://finance.yahoo.com/news/0-01-rule-money-expert-130000592.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS91cmw_cT1odHRwcyUzQSUyRiUyRmZpbmFuY2UueWFob28uY29tJTJGbmV3cyUyRjAtMDEtcnVsZS1tb25leS1leHBlcnQtMTMwMDAwNTkyLmh0bWwmc2E9VSZzcWk9MiZ2ZWQ9MmFoVUtFd2lKb082QWtlMlNBeFhDRWxrRkhhVkVPR0FRRm5vRUNCUVFBUSZ1c2c9QU92VmF3MVdxcEZJR0JSWW1JMkVMeWRvT2dFWQ&guce_referrer_sig=AQAAAI0F4H3CgoSc8akSVQocFuk2gANK19kxZr1WuXOB-tnoOVhPcgLRjXbEONG2qXE6c_U4AShGdbAac1pa2rkP_mXh9oCu3dPg6M_oEy1GtKPfd9dGrJTj4aRlCjqvf00BQch7c7HK3F1FXSC3tUKYkAix5TEFnuhMqxr-8N4bPCWW

What’s your net worth?

[Anonymous]

Before I pull the guac and pesto, maybe you should reduce the fast food meals. Here's a thought: Cook at home.

[Anonymous]

Anonymous wrote:https://finance.yahoo.com/news/0-01-rule-money-expert-130000592.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS91cmw_cT1odHRwcyUzQSUyRiUyRmZpbmFuY2UueWFob28uY29tJTJGbmV3cyUyRjAtMDEtcnVsZS1tb25leS1leHBlcnQtMTMwMDAwNTkyLmh0bWwmc2E9VSZzcWk9MiZ2ZWQ9MmFoVUtFd2lKb082QWtlMlNBeFhDRWxrRkhhVkVPR0FRRm5vRUNCUVFBUSZ1c2c9QU92VmF3MVdxcEZJR0JSWW1JMkVMeWRvT2dFWQ&guce_referrer_sig=AQAAAI0F4H3CgoSc8akSVQocFuk2gANK19kxZr1WuXOB-tnoOVhPcgLRjXbEONG2qXE6c_U4AShGdbAac1pa2rkP_mXh9oCu3dPg6M_oEy1GtKPfd9dGrJTj4aRlCjqvf00BQch7c7HK3F1FXSC3tUKYkAix5TEFnuhMqxr-8N4bPCWW

What’s your net worth?

That's the 4%/y rule unpacked to daily.

[Anonymous]

Anonymous wrote:Before I pull the guac and pesto, maybe you should reduce the fast food meals. Here's a thought: Cook at home.

No time. Busy earning $450k/yr

[Anonymous]

Anonymous wrote:the stupidest thing here is putting an actual $$$ amount. Is it ok at 425k? 475k? I fully agree with all the posters talking about recognizing individual costs.

At 500k (LOL) I'd still would never add guac/queso, but that's because I'm going to just get a quick meal and know it's not worth it. I will spend extra $$$ at places that are worth it, but Chiptole is definitely not one of them.

Also big shoutout to people making near 500k who still look at grocery prices. I would absolutely not buy something overpriced just because. I also will look at every price and never be like the poster just throwing it in the cart/basket without looking at the price before (please remind this to my wife who actually is the breadwinner overall).

You can eat a can of beans at home pretty quick and easy, so why go out for burritos at all?

[Anonymous]

Anonymous wrote:I’m a contractor and I always let my workers pick the options…I pay and don’t make as much as you

Your employees aren't spoiled kids.

But wonder if they'd prefer cash bonus instead

[Anonymous]

Anonymous wrote:

Anonymous wrote:the stupidest thing here is putting an actual $$$ amount. Is it ok at 425k? 475k? I fully agree with all the posters talking about recognizing individual costs.

At 500k (LOL) I'd still would never add guac/queso, but that's because I'm going to just get a quick meal and know it's not worth it. I will spend extra $$$ at places that are worth it, but Chiptole is definitely not one of them.

Also big shoutout to people making near 500k who still look at grocery prices. I would absolutely not buy something overpriced just because. I also will look at every price and never be like the poster just throwing it in the cart/basket without looking at the price before (please remind this to my wife who actually is the breadwinner overall).

This is me. I am wealthy and retired young. To me, it’s feels like being taken advantage of if I am wasting money. The above poster that just gets gas wherever- so, so wasteful. I don’t care how much you have. If you fill up for $3.69/gal and I pay $2.97/gallon, that’s almost 400 a year per car thrown away. Literally gone because you can’t open an app and see which station is cheaper.

The exponential effect of this with lots of items is mind boggling.

But you do you 💰 🗑️

You got wealthy by taking advantage of others wasting money.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:the stupidest thing here is putting an actual $$$ amount. Is it ok at 425k? 475k? I fully agree with all the posters talking about recognizing individual costs.

At 500k (LOL) I'd still would never add guac/queso, but that's because I'm going to just get a quick meal and know it's not worth it. I will spend extra $$$ at places that are worth it, but Chiptole is definitely not one of them.

Also big shoutout to people making near 500k who still look at grocery prices. I would absolutely not buy something overpriced just because. I also will look at every price and never be like the poster just throwing it in the cart/basket without looking at the price before (please remind this to my wife who actually is the breadwinner overall).

This is me. I am wealthy and retired young. To me, it’s feels like being taken advantage of if I am wasting money. The above poster that just gets gas wherever- so, so wasteful. I don’t care how much you have. If you fill up for $3.69/gal and I pay $2.97/gallon, that’s almost 400 a year per car thrown away. Literally gone because you can’t open an app and see which station is cheaper.

The exponential effect of this with lots of items is mind boggling.

But you do you 💰 🗑️

You got wealthy by taking advantage of others wasting money.

Huh?

[Anonymous]

Anonymous wrote:

Anonymous wrote:I’m a contractor and I always let my workers pick the options…I pay and don’t make as much as you

Your employees aren't spoiled kids.

But wonder if they'd prefer cash bonus instead

A kid saying yes when asked if they want a vegetable with their lunch, or asking for a smaller portion is not a spoiled kid.

[Anonymous]

Anonymous wrote:Don’t nickel and dime your kids on their dinner. I grew up lmc and Ponderosa was a rare dinner out— and my mother never allowed me to get sour cream on my potato because it cost extra. Ridiculous and controlling.

Is there a Ponderosa somewhere around Boonsboro/Frederick Maryland area? Is that the same place Jackie Christie is always talking about and is it worth a visit?

[Anonymous]

Anonymous wrote:My kids learned it when they started driving and we gave them a monthly allowance that included fast food. They don’t spend extra unless I’m paying, then they go crazy - extra meat, guac and drinks too!

I draw a line at drinks. Water is free.