What’s Your Someday

[16Bore]

My uncle told me once:

“Live in the meantime”


Great advice.....

 

[NateK]

Probably a north country hunt. Hopefully I will be in a place one day that I hunts like that will be something I can do with my wife and/or kids on the regular but for now I'll keep saving here and there to make it happen once! And just an FYI for you guys hating on ol' Dave, yes he is a salesman (and a dang good one), but staying debt free makes a ton of sense. I know it's way easier to justify dropping a few grand a year on western hunts on top of saving for dream hunts knowing I don't owe anybody anything!

 

[ndbwhunter]

My someday is when I get to go be with my Lord and Savior. Everything else is trivial.

I'm not a religious person, but I'm guessing he wouldn't have put you here if he wanted to be with you....Do what you can now while you have the chance, as you're guaranteed to spend some time with him "someday".

 

[sika64]

Sheep hunt would be mine, I think they are one beautiful animal. And pretty good to eat from what I hear.

 

[Oregon]

I don't believe in somedays.

Why put something off? Believing that someday is a better day in the future will keep you from doing what you want to do when you want to do it.

I've seen way too many people talk about a dream hunt...or a dream home...or someday I will achieve something.
Instead of a someday make it a goal...focus like a laser beam and achieve that goal.

Want to move to Alaska? Spend every moment available researching applying for jobs, convincing spouse, looking for homes, selling personal property etc until you can make it work...

Want to hunt stone sheep? cant afford the 50K? Well immediately stop spending money on food, vehicles, clothes, cut back on buying anything not needed to survive. Save every penny you have and you can go on that hunt in a couple years.

Want to spend a month hiking and backpacking Europe? Quit your job and go.

It really is just what your priorities are...are you willing to get uncomfortable in order to grow?

We are not on this planet long enough to have somedays...set goals and achieve them.

OP-not ment to be negative just trying to start a fire under peoples butts!! Great post and topic!

My brother died 10 years ago at age 42 due to a drowning accident. Coming back from a fishing trip.
His death has made me do 4 Kodiak trips, numerous OOS state trips, non stop figuring out how to do those hunts I’ve always wanted to do. My wife is awesome. Never asked why or how. Only stipulation is I mark off days on calendar when I’ll be gone.
Life’s short fellas. Live life, make it happen or it never will.

 

[isu22andy]

My brother died 10 years ago at age 42 due to a drowning accident. Coming back from a fishing trip.
His death has made me do 4 Kodiak trips, numerous OOS state trips, non stop figuring out how to do those hunts I’ve always wanted to do. My wife is awesome. Never asked why or how. Only stipulation is I mark off days on calendar when I’ll be gone.
Life’s short fellas. Live life, make it happen or it never will.

These posts exactly, save for someday when your 50, die when your 30 from a car crash. Dont get wreckless with it obviously but lifes fragile, shit happens and it happens fast. Might as well take advantage of what you can while you can.

 

[badshot]

My someday is a small cabin or travel trailer on a couple hundred acres in eastern Oregon. I have a plan and hopefully the right piece of property becomes available in 5-10 years.

 

[Holtc12]

Alaskan moose hunt for me


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[Crippledsledge64]

He is an excellent salesperson. I have a huge problem with Dave and the "process" that he sells.

Of his 7 baby steps I think that 2 maybe 3 are not horrible ideas. The biggest issue I have is that he uses a very broad brush when he pushes the program...not everyone is in the same situation.

The bad:
First off paying off your house early is a horrible idea...when you can leverage your mortgage interest of 3-4% plus being able to write off the interest you are making a bad financial decision. Instead of putting another 1000 towards your home you should be investing that money. If you cant find an investment that returns more than 4% over a 30 year period you are not looking very hard.

Here is an example: paying 100 extra towards 3.25% mortgage a month for thirty years will save you about $28k in interest. Putting 100/month into "the market" returning 8.9% over that same period would net you 155K in earnings. So you are "paying" over 127K to be able to say you paid your house off...

Paying off all debt early may not make sense either. If you can borrow money at a lower rate than your investments/business ROI will earn then that is just a silly idea (see mortgage rant) If you are really freaked out about debt you will always have the ability and the money set aside to pay that debt down.

He also says do not use credit cards. This is just silly. If you can get 1-5% kickback on charges on the card that is a no brainer. You just need to use the card when you have the money to pay it off every month. Have a little self control and you will be fine.

College funding for kids. Um no. My parents didn't pay for mine and I am not paying for my kids either. We have funds set up to cover a year each but that is all. They need to have skin in the game or they will not perform up to their abilities.

6 months of expenses in a savings account. Oh man...that is a lot of money to keep in a 0% return account. How about that ROTH where you can pull the contributions out without penalty? Yes please.

The good:
-setting up an emergency fund is a great idea.
-Investing 15% of your income is mandatory. Just consider it a "retirement tax" and do not spend that money.

Sorry for the long rant but I am just sick and tired of people looking for quick fixes to the problems they have brought onto themselves. And following some plan like a sheep because they are scared of debt...
Being able to leverage debt is one of the greatest tricks that a business can use to grow. Why not treat your household as a small business...it just boils down to self control.

Have some self control and you will be much better off than following some dude that has filed bankruptcy in the past...

As a young guy starting to look at buying a house and managing debt I feel like I learned something from that, thanks for the info!

 

[137buck]

Mine was almost four years ago, when my wife said, "lets move", I threw out moving west and she was all over it, and seeing how she's my sugar mama, she found a job here in western Montana and we sold the house and packed all of our stuff and made the move. After being here, I kick myself in the butt for not making this move sooner.

 

[WVelkhunter]

My someday is my first elk hunt with my little boy. He's getting ready to turn six, but a can't wait to take him to hear his first elk bugle.

 

[paul_day1982]

Alaskan Moose

 

[Joe Schmo]

My someday is pretty much every day in retirement...drinking around with local what have you, fishing and hunting daily or just sitting on the porch looking out at the river or going for a drive.

 

[Joe Schmo]

As for Dave Ramsey and leveraging debt and keeping payments around etc. you literally said don’t pay off your house for 30 years because you can find an investment that will beat 4% over 30 years. That logic would lead me to believe that the more debt the better because I should be able to beat the interest rate on my investments. Sometimes Dave mentions...RISK.
I shouldn’t have said that not I’m a gonna get all clouded up and rained on.

However. Please listen to this. 80% of people are living paycheck to paycheck and buying things they can’t afford because that’s “normal”.
I’d bet that 97% of people seriously need baby steps 1-3, that’s the deal. Once you get out of consumer debt/payments and have an actual savings account then you can take your financials in whatever direction you please...but again I think that’s like 3% of people.

 

[rtaylor]

I'd love to hunt sheep or mtn goat. Pretty high on my list would also be owning my own land that I can put in a dove field and hunt deer on.

 

[stu_manji]

moose or dall sheep for me. the guys on the mountain project youtube page have sure put out some amazing footage the last few years that will make a man itch for some adventure....