02-06-2024, 12:47 PM | #29 |
Anthony S
Drives: 2011 chevrolet camaro 2ss/rs Join Date: Apr 2021
Location: Chiefland, FL
Posts: 842
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I just moved from Fort Lauderdale to the Ocala/Gainesville area, because living in Miami is ridiculous. The homeowners insurance and property taxes pushed me out of the area. I recommend moving to a different area as Miami is quickly becoming a place reserved for the rich and wealthy.
I have a 401k and have ran into many financial issues as most people do. Most 401k programs will allow you to borrow from your 401k as long as you make weekly payments towards the loan. I can borrow up to 100% of my personal contribution at a fixed 5% interest rate, and the best part is... The interest is just reinvested back into my 401k... I don't get taxed on the money since I am paying it back on a loan, and I am actually paying into my 401k with the interest. Last time I borrowed 6k and paid $40 a week for 48 months. Which helped me fix a broken pipeline under my fort lauderdale home right before i sold it during the covid housing boom. How much is in your 401k account?
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02-06-2024, 04:07 PM | #30 | ||
Drives: 2012 45th Camaro, 2SS/M6 Join Date: Mar 2011
Location: At my computer
Posts: 1,318
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401k was what the wife paid me, 60k or so left. I used the other 60k she paid me to buy that place. but it is sold I have my own around 100k. liquid money is about 50k. that will go fast though at a 3k/mo rent PM me, we should hang. I am interviewing for a job in ft laud so I might be back there soon edit: I see you moved. cool. yeah, South Florida is insane in rent. literally crazy. I actually don't get it. 3k/ a month even in delray, and those are shitty apartments. even boca is expensive and there is nothing there. it's a wild market. |
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02-06-2024, 04:38 PM | #31 |
Drives: 2013 ZL1 Join Date: Sep 2021
Location: Virginia
Posts: 301
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Ill give you some advice.
#1 Never ask strangers on the internet for advice! #2 You have nothing tying you down look for a job in an area with a lower cost of living if you have to move across the country so be it. There is no reason you can't find a good job somewhere within a week as long as your willing to relocate. #3 $47.00 for Pizza Hut Uber eats IS a big deal you should be scrimping every penny. If you don't change your lifestyle you will NEVER get ahead. When you get on your feet you need to still keep that lifestyle-life changes quickly sometimes. |
02-06-2024, 04:48 PM | #32 |
Drives: 2010 Camaro SS2,L99, LSA SC Join Date: Aug 2017
Location: Huntsville, AL
Posts: 2,155
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I'm single too, have a good secure job, with very few real expenses, and I wouldn't even think about paying $47 for a pizza, or hardly any single meal. If you aren't making the money, don't spend the money. This is why you are in trouble and likely why your parents don't want to lend you money.
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02-06-2024, 09:26 PM | #33 | |
Drives: 2013 1SS LS3 Join Date: Feb 2014
Location: Massachusetts
Posts: 807
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02-06-2024, 10:31 PM | #34 |
Older Than Dirt
Drives: 2010 & 2013 Camaros Join Date: Apr 2010
Location: Aiken, SC
Posts: 4,565
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Yikes. Not going to change. Not much on sacrificing to do what's necessary.
I see fail in your future at this rate if you don't change your standard of living very soon. You ain't got a job. At this point, who's fault is that? Something WILL change in your standard of living even if you don't. While you have the reins and some cash, make the changes that you can control. Otherwise, it will control you. You're at a point you best sell that car. I know you hate that, but right now you've got bigger fish to fry. At 41, you are going to have a helluva time catching back up by retirement. Time is not on your side. Keep spending money you don't have and pretty soon you won't have anything to dip into in an emergency. You'll be kicking yourself when you're still working at 71 because you can't afford to retire. Quit being dumb about this.
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2010 2SS TE, 1 of 822/2013 Camaro ZL1 vert, 1 of 54
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02-07-2024, 06:25 AM | #35 | |
Drives: 2010 Turbo LS3 Join Date: Dec 2009
Location: Palm Bay, FL
Posts: 2,736
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But good for you for sucking the life out of your wife and her hard work. It's usually the other way around, especially for most of the divorced guys I see on here. Personally, I don't hire victims, so good luck in Ft. Lauderdale and I would send my daughter on a round-the-world cruise with one of her friends if she brought someone like you to meet me. Not judging, just saying.
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2010 SS - On3 kit with downpipe cutout, CTR 78/80, CompCam 239/251 620/632 122+4, E85, Z28 suspension and ZL1 diff with Outlaw axles. Gen6 ZL1/1LE brakes.
2011 Vert - 416/w 230/236 .612/.602 115lsa, 1LE suspension w/32mm rear bar. Z28 diff. ZL1 brakes. Last edited by CamaroCracka; 02-07-2024 at 08:56 PM. |
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02-07-2024, 08:10 AM | #36 |
Drives: 2010 Camaro SS2,L99, LSA SC Join Date: Aug 2017
Location: Huntsville, AL
Posts: 2,155
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02-07-2024, 09:03 AM | #37 |
Fast Cars and Old Guitars
Drives: 2015 2SS RS (L99, baby!) Join Date: Apr 2012
Location: N. CA
Posts: 3,974
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Man, the tone turned dark!
Kiteman, start drinking heavily. All those problems about getting old and having no money will take care of themselves!
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“I don’t want to belong to any club that would have me as a member.” - Groucho Marx
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02-07-2024, 09:12 AM | #38 |
Drives: 2010 Camaro SS , 2011 Colorado LS1 Join Date: Jan 2022
Location: Greenville, SC
Posts: 829
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I don't know if OP is trolling us, or has some serious topics he really needs to deal with. But at this point, the end is quickly arriving, and like gtstorey said, keep the car, he will be living in it. This is a dismal topic, something I would expect on Reddit, not Camaro5...
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02-07-2024, 09:22 AM | #39 | |
Big Crow
Drives: '13 ZL1 Join Date: Mar 2017
Location: California
Posts: 1,487
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I will somewhat change my answer now. I would keep the car for now. Why, because it isn't that much money in the big scheme of things and this isn't a fast pay a bill situation and he has still reserve liquid cash. I always give thought and my best answer with my experiences and careful thinking to anyone who might ask. It doesn't matter if I "judged" them or not. I do want to comment on "judge me" that people throw around. I tend to hear that mostly from people who make bad decisions on purpose then say "don't judge me". The Bible says don't judge a person, please let's correctly define judging a person and commenting on a bad decision or action that in this case is to help them make a good decision. This isn't a judgement they are irredeemable and going to Hell. This is contemplating what a good and bad course of action is. I know some people want to use that word as an excuse just like racism. If anyone disapproves of something throw out a hateful word at them. Other than keep the car the entire picture and problem I think is not that complex but I don't have enough details to provide the entire solution but I'm sure the OP knows and has been told enough times what he should fix. Me saying it one more time I believe won't do it. I'll just say to OP pray for help in this even at the risk of people hating on me for bringing religion into this. I prefer not talking religion or politics unless absolutely necessary but I think that will be the only way to get past this road block here. If religion makes you uncomfortable, sorry, please just ignore what I said for now (just like when I try explaining about EV's here) unless someday it rings a bell in your head. Last edited by silversleeper; 02-07-2024 at 09:44 AM. |
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02-07-2024, 09:27 AM | #40 | |
Anthony S
Drives: 2011 chevrolet camaro 2ss/rs Join Date: Apr 2021
Location: Chiefland, FL
Posts: 842
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https://www.camaro5.com/forums/showthread.php?t=600181 Mods: Texas Speed 2 inch headers, high flow cats, and X-pipe. Custom mid-pipe, Borla Xr1 mufflers. Torqstorm Supercharger, 3.1" pulley, ZL1 fuel pump. MGW Shifter, Mcleod RST clutch, Tick master cylinder and Tick Billet bushing reinforced slave cylinder. DSS One-piece 3.5" Driveshaft, Metco Driveshaft safety loop, BCRacing Coilovers. BMR Poly Diff bushings, Poly Rear cradle bushings, Sub-frame connectors, Lower control arms, camber arms, and toe links. |
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02-07-2024, 11:50 AM | #41 | |
Drives: ABM #93 Join Date: Oct 2018
Location: Lotaburger
Posts: 2,695
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ABM #2399 2SS/RS:SOLD
ABM #93 2SS/RS Black Rally stripes, Titanium Interior 4,000 miles: GM GFX side skirts and diffuser waiting on paint, GM dovetail, GM heritage, RPI ZL1 style splitter. ‘87 IROC-Z Iroc blue. all original unmolested with 50K miles. |
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02-09-2024, 02:40 AM | #42 |
Drives: 2012 Chevrolet Camaro l99 Join Date: Aug 2020
Location: Austin, TX
Posts: 2,108
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Like I was saying before, you might as well keep the car especially if it's paid off. No since in selling it and buying a cheaper car that will require a new bag of worms to keep it up and running and since Camaro sales are down right now anyway I don't think that you will get much for it anyways. And like others are saying no matter what you do you should find a cheaper place to live even in another city or even state and do it quickly because your just wasting time and money where your at now.
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DSS FX Forged Pistons, Eagle ESP L19 Forged Rods, ARP Head and Main Studs, TSP PRC 260 CNC Ported Heads milled .030, Cometic .040 Head Gaskets, GPI SS3 VVT Camshaft, GM Performance Racing Lifters, CHE Trunnions , Molly Pushrods, Melling 10355HV Oil Pump, Cold Air Inductions CAI, Fast LSXR Intake Manifold, Nick Williams 103 TB, TSP 1 7/8" Longtubes with 3" TSP Exhaust, ZL1 Fuel Pump, Mishimoto Radiator, Mishimoto Oil Cooler, Tru Cool 40k Tranny Cooler, 3600 Circle D Converter, Fluid Dynamics Balancer
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