DCUM Forum

Anonymous

04/01/2014 10:12 Subject: I am trying to tell

Anonymous wrote:Keep giving the good advice! Everyone with an open mind welcomes another point of view.

+1. I wish somebody had told me that in my 20s. I would've listened. Most people living above their means.

Anonymous

04/01/2014 10:10 Subject: I am trying to tell

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's crazy. But it is so not-your-business

I am her mentor in way. But minding our own business sometimes isn't always the way to go.

I tell the kids at my job they seriously need to stop smoking. I force them all the contribute to the 401K to get the match. I am just like that. They don't have to take any of the advice, but maybe just maybe if someone was like NO, you have to put $50 in your 401K I would have.

Jesus Christ. I would hate you if you worked in my office. I quit smoking nearly 7 months ago and I can't tell you the number of people who told me "seriously you should quit." You don't think I f***inf knew that? A 5 year nicotine addiction was no joke and of course I wanted to quit but hearing it from people with a snarky tone really pissed me off and made me think less of them for judging me as a smoker. Now that I actually HAVE quit I still feel the same way and would never lecture a smoker on this. Everyone who smokes knows it's bad for them and it's a personal decision to continue to do so. Unless my secondhand smoke is directly bothering you, f*** off.

To address your other statements, I'm not even eligible for my company's 401k. Even if I was, I would be similarly annoyed/offended if you "forced" me to contribute. You sound like a real a**hole. Glad you're not my "mentor."

You as a smoker stink man, stink! smokers stink like people who don't take showers.Hell with your health, you stink! Maybe they were trying to tell you to stop stinking in the office.

Anonymous

04/01/2014 10:06 Subject: I am trying to tell

Anonymous wrote:She still owes $19,000 on it.

OMG. Hope at least she looks cool as hell in it.

Anonymous

04/01/2014 09:52 Subject: I am trying to tell

It's their mistake to make. Just like it was yours with the VW. I know not to buy a VW but you'd probably have a hard time basing your car buying decision on what I told you. The saying is, 'you live and you learn' for a reason.

Anonymous

04/01/2014 09:42 Subject: I am trying to tell

It is ABSOLUTELY none of your business. Do you get that? None. You think that just because you're the boss you're automatically a "mentor"? Well, you're not. Go sign up for the Big Brothers/Big Sisters program if you need someone to mentor.

Don't ever offer financial advice to people unless they ask for guidance. You are simply a stranger they work with. They have parents and friends. If they want advice, they'll probably ask those people. Nothing you say to them is bound to have the same reach as the advice of people they love and admire. Besides, who's to say they don't have the money coming from other sources? You will never know.

Something my mother told me a long time ago applies here. "Stay out of my purse!"

Anonymous

04/01/2014 09:27 Subject: I am trying to tell

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's crazy. But it is so not-your-business

I am her mentor in way. But minding our own business sometimes isn't always the way to go.

I tell the kids at my job they seriously need to stop smoking. I force them all the contribute to the 401K to get the match. I am just like that. They don't have to take any of the advice, but maybe just maybe if someone was like NO, you have to put $50 in your 401K I would have.

Most. Annoying. Co-worker. Ever.

I am their boss...not a co-worker...I am also a former smoker. I am 40, and I only try to help these kids make better choices. My VW has ridiculous maintenance and repair fees! I am getting rid of it this summer! Myob? Isn't that why are shit is all fucked up now? I don't go up to strangers, but I damn sure will tell a 26 year old making $40k to get rid of a fucking BMW. I make 6 figures and still look at a BMW as out of my reach. Paying that much money on a car that will bleed you dry just doesn't make sense!

Of course you are absolutely right, but you will make yourself crazy trying to control others. Maybe have a financial person from the 401 k company come in and talk with the staff about the realities of retirement.

Anonymous

04/01/2014 09:15 Subject: I am trying to tell

It I even worse if you are their boss. Talk about a hostile work environment.

Anonymous

04/01/2014 09:10 Subject: I am trying to tell

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's crazy. But it is so not-your-business

I am her mentor in way. But minding our own business sometimes isn't always the way to go.

I tell the kids at my job they seriously need to stop smoking. I force them all the contribute to the 401K to get the match. I am just like that. They don't have to take any of the advice, but maybe just maybe if someone was like NO, you have to put $50 in your 401K I would have.

Most. Annoying. Co-worker. Ever.

I am their boss...not a co-worker...I am also a former smoker. I am 40, and I only try to help these kids make better choices. My VW has ridiculous maintenance and repair fees! I am getting rid of it this summer! Myob? Isn't that why are shit is all fucked up now? I don't go up to strangers, but I damn sure will tell a 26 year old making $40k to get rid of a fucking BMW. I make 6 figures and still look at a BMW as out of my reach. Paying that much money on a car that will bleed you dry just doesn't make sense!

Anonymous

03/28/2014 12:29 Subject: I am trying to tell

Anonymous wrote:

Anonymous wrote:It's crazy. But it is so not-your-business

I am her mentor in way. But minding our own business sometimes isn't always the way to go.

I tell the kids at my job they seriously need to stop smoking. I force them all the contribute to the 401K to get the match. I am just like that. They don't have to take any of the advice, but maybe just maybe if someone was like NO, you have to put $50 in your 401K I would have.

Most. Annoying. Co-worker. Ever.

Anonymous

03/27/2014 23:14 Subject: I am trying to tell

Anonymous wrote:I'm in my 20s and am pretty shocked. Doesn't everyone contribute at least the amount that will be matched into their 401k??

And on the car loan thing, why is it so damn easy to get a car loan??? For a mortgage they give you a HUGE runaround and only let you spend up to 30% of your income. Car loans should at least have a ceiling percentage of income too. I have so many friends who are living paycheck to paycheck because their rent + car loan becomes too much.

No. My sister and her husband are saving nothing and figuring they'll just use his inheritance (when his parents die, a long time from now) to retire on. I am not kidding. My sister claims they "can't afford" 401ks (and have her SAH and drive 2 new cars, big nice house, etc.)

Anonymous

03/26/2014 23:19 Subject: I am trying to tell

I was the 23 yr old. I wasn't a saver. At 23, you couldn't have changed my mind.

Anonymous

03/26/2014 23:00 Subject: I am trying to tell

I think you should present another option besides just not having a car. Unless you live in A major city then public transportation 24/7 really isn't an option. If you live in the DC suburbs then having a car is almost a necessity unless you live, work, play in the same few block radius and have friends with cars. Why don't you talk to her about cheaper cars.

Anonymous

03/26/2014 22:22 Subject: I am trying to tell

Anonymous wrote:BMW are expensive in the out years.

Indeed they are. I got rid of my X5 after sitting down and realizing I was averaging $2,700 a year in repairs, between brake pads, rotors, this thing, that thing, etc. Plus premium gas. Plus higher insurance.

Good riddance.

Anonymous

03/26/2014 22:18 Subject: I am trying to tell

Anonymous wrote:BMW are expensive in the out years.

What?

Anonymous

03/26/2014 20:36 Subject: I am trying to tell

BMW are expensive in the out years.