Why do you workout?

Im curious about why you started working out, why youre still working out. How you manage motivation vs. discipline, or a mix of both.

Did you start for one reason but continue to do it today for a different reason?

Have you struggled with motivation or discipline, and how did you get past that to continue working out, or if you failed but started fresh working out again why do you think you failed to continue the 1st time around?

Edit: How long have you been working out, roughly?

Edit (my story 22M): I personally did a weights class (no sports) in middle school and high-school for 6 years, was 6'1 160-170 roughly, almost the entire time those were my stats somehow. Made it up to over a 500 deadlift, 380ish squat, ALMOST 300 clean. Don't remember bench but i know it wasnt great, sub 200. I then went to college and stopped, was also the skinny kid. Honestly probably started because of bullying, then ive tried about 3 times now to get back into it, found i really love calisthenics and whenever I start I make what feels like exceptional progress but struggle to keep doing it and have failed all 3 times.

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u/SnooCapers2078 — 7 days ago

Ive never been on a date, how do I ask this person out?

So, I (22M) have never been on an actual proper date. Ive had a couple talking stages, 1 was going well but ended on good terms for good reasons and we have no issues with each other.

Well now im in this strange situation where ive been going to my dentist, and last year my regular dentist assistant was replaced, she moved apparently, and the new lady was a girl around my age, she was very sweet and we talked and laughed about stuff the whole time. Strangely great experience at the dentist for a cleaning lol.

Well I realized like a week or so after leaving she seemed to have been flirting with me I think. So I told myself next time I go in id try and get the confidence to ask her to go out for dinner or lunch or something like that. We'll I had a different dentist assistant, figured it was just unfortunate, told myself if I saw her on my way out somehow id ask, well she found out I was there and walked into the room I was in smiling and said hi to me and asked how I was and said she was glad I was still with them (as in going to that same dentistry), very sweet, but completely threw me off my game, I got really nervous. She then found me on my way out and said bye, hopes to see me around. I still failed to ask her

Now im telling myself I really gotta just do it next time I go in if she is still there and not already with someone, since ive failed the last 2 times and I go every 4-6 months, so its very reasonable for her to move on if she was interested in the 1st place. Well I go back around November and figured as the time approaches I could call the office and request her to be my dental assistant since she is always very nice. But im worried about how to go about the whole thing and worried I might just get nervous and butcher the thing

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u/SnooCapers2078 — 2 months ago

Should I (22M) change jobs now or wait?

I got a degree in finance, but didnt have much in the job market, so i ended up in my current role as a full time position doing physical labor working for the local city government that ive done part time summer work 4 summers previously through highschool. I get $21/hr + overtime with pretty good/decent insurance benefits, retireman plan is great but I have 0 intention of sticking this place out long term to maximize its benefits.

Now im planning on an extended trip with a friend to Japan from late December into January at the end of the year, its cleared through my boss at the current job now, shouldn't have issues. So my plan was to tough it out until then, do my vacation, then when I get back try and start searching pretty hard again for a finance role.

Now my mom and her boyfriend reached out to me, her boyfriend works for the postal system here, ive believe USPS, not 100% sure. He is going full time now and they have 0 subs, they hit me up and said i could work Saturdays there, and if i wanted more routes I could most likely get them pretty easily for other days, and id be the 1st sub so id be 1st in line for full time positions. He says the pay is 21.98/hr starting, and if i use a personal vehicle to drive and deliver id get $1.14 ish per mile (WHICH IS UNTAXED, he claims), itd be out in the country so in my day route he estimated about 8-9 hours and 115 ish miles, I get no sick leave but get "about" 4 hours of vacation leave a paycheck (bi weekly) and as part time if i couldn't do a Saturday I could swap days or even say I cant go in, for example my extended japan trip would likely be no big issue. He gave an example of the guy that was already full time and claimed last year he got something like 50-60k base pay + 30-40k in mileage pay (untaxed)

Now given the tiny pay bump + mileage pay (again, mileage pay is untaxed) itd be a nice pay bump if i managed to cover similar hours to my current job, or i could even run Saturdays and just work 6 days a week, 5 normal job then Saturday doing this. Alternatively I drop my current job and go heavy hours into this, or I just dont accept.

My concerns lie in how job hopping isnt a great look, and im way more interested in getting a finance role. I dont like my current job, it sucks, but winter times supposedly are really easy, and there are some easy OT hours during the summer, but at least 75%+ of the time i hate it and cant wait to escape into a finance role.

My goals are make good money to build a well established investment account to retire off of, but i think its wise to plan into a well paying finance role incase I decide to not retire early and keep working

Any advice appreciated, even if its slightly off track

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u/SnooCapers2078 — 2 months ago

I wanna travel at low income without working and solely from investments

I made a post in no stupid questions, here is a link if anyone wants to read the original: https://www.reddit.com/r/NoStupidQuestions/s/8Z4JLm5AoC

I was sharing my interest in trying to build some savings to the point i can retire and live off of investments, but then instead of staying in the US, I was thinking id love to just travel pretty much 24/7/365, and it very well might even be cheaper if not at least the same cost. Im curious on people's opinions here about living frugally to achieve this goal, and also maintaining the investment wealth id try to attain to be able to do this.

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u/SnooCapers2078 — 2 months ago

[Landlord US-KS] Which Strategy is Better?

Please challenge my math, I ran math on 2 strategies, 1. Get a mortgage, fully pay off the property, then work towards a 2nd property. 2. Get a mortgage, pay 40-50% then get a 2nd property, let property 1 pay itself then attack property 2 to 40-50% buy property 3, repeat.

Now typically the advice i see is leverage, strategy 2 follows that more. You are getting more cash inflow given the 2nd property at an earlier stage, thus youre making more money, but interest eats it according to my math.

My numbers are based on a duplex yeidling 1675/month with 8% maintenance and 7% Capex, paying $200 in utilities (maybe my rent can go higher because of utilities, and margins be slightly higher, math can fluctuate here) and a $50/month miscellaneous expense/reserve. This yields roughly $102 with mortgage payments, $767 once paid off, expecting about 110k property (feel free to share opinions on just this part, im new, maybe rent can be higher, or my margins seem off?)

Now, back to the strategies (this math is done assuming all properties are perfectly identical for simplicity), what i really want challenged on. Id likely expect people to recommend strategy 2 for leverage and extra cash flow earlier, well I expect to personally invest $1500-1750/month, this means for strategy 2 itd take roughly 20 months to pay off a property to 40-50% and 6-7 months to build a small down payment of about 10% after the 20 months, i took my math to see which strategy better yields 5 properties, and attached images of my findings.

In strategy 1 I pay down a property then go for the 2nd, etc. Very simple to follow

In strategy 2 I attack until 50% then move onto the next property, the $100 profit feeds back into the property that generates it for slightly boosted payoff, so $100 from property 1 into property 1, $100 from property 2 into property 2, etc. Then once a property is paid off after awhile I attack the 2nd property with all profits. This causes a long wait to a payoff, but then all 5 properties get finalized within 3 years at the very end.

As you can see, the safe strategy let's me acquire the 5 properties in less time. The difference in cash flows generated is eaten by interest and even pushed back 1 extra year, so it yields less returns.

So id say either option 1 is just better, or my specific math on option 2 needs adjusted, such as point in which I get a new property.

Id like to clarify, my math should, very much, ONLY be wrong if 1 of my numbers seems wrong, such as the mortgage payoff before moving to a new property, or expected rent, if my assumptions there are wrong, okay, but all my excel formulas regarding the actual math process i can ensure shouldn't be at fault, Ive built full mortgage sheets and what not

u/SnooCapers2078 — 4 months ago

[Landlord US-KS] Landlords, whats your mortgage strategy?

Do you focus security and fully pay off each property 1 by 1? Or do you focus growth and handle multiple mortgages at once, when doing this do you just pick up properties here and there, or do you wait until the bulk is paid so large interest payments are gone, then get another?

With your strategy in mind, how would you advice someone new to the business to handle it, assuming they want long term growth, but heavily rely on the success of the business, my thoughts are get your 1st property paid off as a sense of security, maybe even 2nd, then after that you can try handling 2 mortgages at a time, and add as you feel comfortable and secure to amplify growth

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u/SnooCapers2078 — 5 months ago

Advice of my Projections

Idk if this is really meant in this community, if not ill find somewhere else and I apologize sincerely.

Im planning to start a rental LLC with a partner and we wanna build rough projections on a potential first property, here's what Ive come up with, id like advice on them with the information that this is a duplex, and we haven't done a walk-through yet, so idk it utilities are metered separately so I just added them as an expense, maybe we can raise rent above 750 for that, or maybe i get them metered separately? Idk, but does it appear im including everything and its in proper order and seemingly accurate?

Note that we will not pay a PM, it will be self managed, and any maintenance we can do ourselves we intend to do. Though I still added a property management fee of 8% as I was recommended to include it to account for labor when considering this property, but can easily adjust to 0% to see true profitability, what about maintenance fee, seem reasonable given our plan of self maintenance? Any other issues?

Please also note that most all is estimations, such as appraisal value, I just randomly said 100k, im very sure its probably different than that, and ligjt Grey boxes on image 1 are editable, blue is formula spit out, or just not edited most likely, such as vacancy rate, its kept at 5%

I haven't calculated depreciation yet

Anything helps a ton

u/SnooCapers2078 — 5 months ago

1st time Property Buyer Projection Advice?

Idk if this is really meant in this community, if not ill find somewhere else and I apologize sincerely.

Im planning to start a rental LLC with a partner and we wanna build rough projections on a potential first property, here's what Ive come up with, id like advice on them with the information that this is a duplex, and we haven't done a walk-through yet, so idk it utilities are metered separately so I just added them as an expense, maybe we can raise rent above 750 for that? Idk, but does it appear im including everything and its in proper order and seemingly accurate?

Note that we will not pay a PM, it will be self managed, and any maintenance we can do ourselves we intend to do. Though I still added a property management fee of 8% as I was recommended to include it to account for labor when considering this property, but can easily adjust to 0% to see true profitability, what about maintenance fee, seem reasonable given our plan of self maintenance? Any other issues?

Please also note that most all is estimations, such as appraisal value, I just randomly said 100k, im very sure its probably different than that, and ligjt Grey boxes on image 1 are editable, blue is formula spit out, or just not edited most likely, such as vacancy rate, its kept at 5%

I haven't calculated depreciation yet

Anything helps a ton

u/SnooCapers2078 — 5 months ago

[Landlord US-KS] Advice on my Projections

Idk if this is really meant in this community, if not ill find somewhere else and I apologize sincerely.

Im planning to start a rental LLC with a partner and we wanna build rough projections on a potential first property, here's what Ive come up with, id like advice on them with the information that this is a duplex, and we haven't done a walk-through yet, so idk it utilities are metered separately so I just added them as an expense, maybe we can raise rent above 750 for that? Idk, but does it appear im including everything and its in proper order and seemingly accurate?

Note that we will not pay a PM, it will be self managed, and any maintenance we can do ourselves we intend to do. Though I still added a property management fee of 8% as I was recommended to include it to account for labor when considering this property, but can easily adjust to 0% to see true profitability, what about maintenance fee, seem reasonable given our plan of self maintenance? Any other issues?

Please also note that most all is estimations, such as appraisal value, I just randomly said 100k, im very sure its probably different than that, and ligjt Grey boxes on image 1 are editable, blue is formula spit out, or just not edited most likely, such as vacancy rate, its kept at 5%

I haven't calculated depreciation yet

Anything helps a ton

u/SnooCapers2078 — 5 months ago

[ Landlord US-KS ] Whats your strategy to getting a tenant? Start to Finish?

Im wanting/hoping to get started with a friend soon and create an LLC and get into rentals and wanna learn from those who have already had success.

How do you pull in people? Just a simple sign on the lawn with your phone number, or both our phone numbers? Or do we gotta get a business number and a new phone? Do you do a sign along with something else? If so what else do you do? What do you do after they call you? You email them an application form, they send it back, then schedule a tour, or what? Whats your exact process and why was it successful for you? What flaws have you noticed in it if anything?

Anything helps

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u/SnooCapers2078 — 5 months ago

Im pretty young, 21, and wanna start a business. Ive struggled to settle on an idea thay really hits, aside from the idea of rentals, I have a boss that does it, I could ask advice, but not as well for this question. Because I also work with 1 of the options for this question, and they both get along, so he would automatically tell me to do the friend I work with.

I have a little bit of money, definitely nothing crazy, like around 10k, but very limited bills outside needing a new (likely cheap) car sometime soon. And i went to school for finance and economics, and so I feel as though my strengths can lie in being able to learn and manage more finacial/business aspect of the business and some decent financial contribution, but i struggle when it comes to handyman things, or negotiating to buy a new property (maybe i could learn) etc.

So I want to both; split risk, and fill my gaps/weaknesses, which are both solved via a partner. I have 2 buddies, 1 is already informed of the idea and I talked about it, said he would be nice to do it with, and the intention was to do it with him and then see if we could get the other guy in on it, but my boss says to not do a 3 way partnership, especially when starting out, cause it really takes a chunk out of my shares in the business.

So should I go with the original guy, or suggest the idea to my other friend and see if he would join, and go with him instead.

So the options:

  1. Original friend:

Pros:

Can reasonably fill my gaps, has more experience in handyman things, but not a professional

Has experience with small sales and purchases (a lot of flea market and flipping type of stuff)

Cons:

doesnt really add much of any financial contribution unless he (very doubtfully) gives up on most of his flipping shannigans

  1. Alternative Friend

Pros:

Farmer, owns a good bit himself, and thus is a very good handyman, easily fills my gaps in that regard

Idk specifics, but definitely has a fair bit more money than I do

Cons:

Just had a kid and is married, and has a busy job being a farmer, thus he doesnt have a lot of time to jump and run, busy guy

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u/SnooCapers2078 — 5 months ago