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u/Langstudd

r/lawncare r/Grass r/landscaping r/ShadowBan r/TheMoneyGuy r/albumsinanutshell
Herbicide ID- Vandalism
▲ 0 r/albumsinanutshell+1 crossposts

Herbicide ID- Vandalism

Neighbor sprayed some sort of foaming herbicide on my bush. I sprayed it off roughly an hour after it was applied, but I’m not sure if the bush will survive. Can anyone help me identity based on this pic alone?

Backstory:

First time interacting with this neighbor. I started mowing with my electric mower at 8am on a weekday. I usually mow in the afternoon, but couldn’t this week due to limited time and hot temperatures. Already filed a police report, but not unsure if anything will come of it. I have some clear enough photos of the crime and vehicle to ID the person, but not the exact spray they used.

u/Langstudd — 1 day ago
▲ 17 r/TheMoneyGuy

How Should I Approach Hyperaccumulation?

In the past year, my household's financial situation has changed drastically. My wife and I paid off the remainder of my high-interest private student loans, built up our emergency fund, reached a savings rate of 25%, and bought a house. We did all of this within TMG guidelines, with our PITI payments being less than 18% of our gross HHI.

Now, I'm struggling to know how to approach hyperaccumulation. I understand there's no "wrong" way to go about this, but it still feels worth optimizing.

We currently exceed the retirement savings amount by 6%, saving 31% into tax advantaged accounts. We're still miles away from maxing both of our 401ks. We also pay an extra $800 monthly towards our mortgage, which has an interest rate of 5.625%. That being said, we have around $1500 a month of "surplus" beyond our 25% savings rate.

I want to take a Coast-FI approach, so the optimal answer seems to be cutting our tax-advantaged savings rate down to 25%, stop paying extra on our mortgage, and throw that amount into a taxable brokerage account which would serve as a bridge account.

I'm struggling to take this leap, though. The tax advantaged accounts seem too beneficial to pass up, and I've heard there's some loopholes for accessing these funds earlier. It's also hard to not want to pay extra on the mortgage, as the $800 extra monthly is cutting down our payoff time from 30 years down to just 16.

Can anyone talk some sense into me?

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u/Langstudd — 6 days ago
▲ 2 r/Grass+1 crossposts

7b Newish Sod Tall Fescue Yellowing & Patchiness

I’m in a new build, and have tall fescue sod that was laid around March. Overall, my lawn is looking very patchy. I have some darker green spots from my dog, as well as some yellow spots. My main concern is the yellowing. Is this fungal? If so, how can I deal with this issue?

I did a slight overseed a couple of months ago with marginal success, and I’m concerned that I kept the established grass areas consistently moist for too long. I also attempted some modest topsoil remediation by adding organic compost, and applied some milorganite. Do I need to use a product to reduce this yellowing?

Also, how do you all balance the watering needs of over seeding? Ideally I’d like to water deeply just 1-2 times per week, but obviously this isn’t possible during over seeding periods. I plan to overseed again in fall and would like to avoid this getting worse.

Additionally, how do I make the dog pee spots less obvious? I’m sure I could add more nitrogen to get the other areas to be equally green, but then I’d by concerned that the pee spots would die off due to having too much nitrogen.

I apologize for the barrage of questions, but it appears I have multiple issues and I’m not sure how best to approach my lawn overall.

u/Langstudd — 23 days ago
▲ 20 r/TheMoneyGuy

Navigating the FOO - Hesitancy Towards Step #6

My wife and I are frugal by nature. We were very onboard with the FOO at first, but I am starting to have some doubts. I revisited the FOO today after autopiloting for a few months, and noticed we had not fully implemented step #6 before jumping ahead. As I looked into it more, I started questioning whether or not we wanted to pursue this step at all.

For context, my wife and I both work full time and have the ability to participate in our own 401k, IRA, and HSA. We are maxing each of these with the exception of the 401ks. In fact we are $25k+ short of maxing these. We are already hyperaccumulating (saving 25%+), but I cannot rationalize putting aside another $25k before divulging into alternative saving methods.

Is this a bad approach? The main "culprit" for our extra spending has been on our mortgage, as we're paying $800 extra per month to shorten the amortization schedule from 30 years down to 16. I understand on paper that this $800 per month would be better spent in the stock market, but I have 2 main aversions:

  1. I don't want all my net worth tied up in funds I won't have access to for 40 years
  2. I'm extremely risk averse by nature and would rather do anything possible to work towards reducing my monthly commitments (mainly PMI then eventually mortgage in 15 years)

I don't want to major in the minors, but I also feel like $800 a month is enough to be worth optimizing.

Edit: I missed the fine print and didn't realize I could move on before truly maxing tax advantaged accounts. Thanks!

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u/Langstudd — 27 days ago