Anonymous
6/14/2025, 7:38:40 AM No.33217576
My real estate, retirement investments, savings & income are acceptable, but way out of balance. My strongest financial position is: I am debt free, with the exception of a 150,000 mortgage - 28 years remaining. house is worth 3x that. 80k in retirement. emergency savings are fucking dismal (5,000) but I'm working on it. I currently make 60k but that could disappear in an instant if my boss decides to retire, and I know it's coming. I have to go down with the ship because I'm 15%-20% over industry standard pay. I meet certified plumbers, HVAC & electrical techs that make less than I do.
I'm a skilled maintenance & remodel tech, but self-taught. I know HVAC & have refrigerant certification but have not been to a trade school for it. same story with electrical & plumbing. I can do tons of install and remodel work & own 25,000 or more worth of tools of multiple trades & skills. I am afraid to start my own business due to insurance, liability, lack of actual certifications, and fear of shitbags refusing to pay after work is complete. I've already had slow-pay shit-shows when I was moonlighting. I stopped because of that. Luckily I never got fully stiffed. my work truck is 25 years old.
Our house the Keystone to our retirement plan. Self-sufficient gentleman's farm, 30% solar powered, 100% of meat, dairy & eggs. We're working on gardening skills, but it has been our Achilles heel. we had it mastered at the old place, new land has never been worked, had no infrastructure. I'm middle aged, in fair to decent shape, I guess. Wife is a bit younger, in perfect shape. new farm is about 70% set up. I don't know if it will ever be realistically profitable. too many regulations restrict too many potential product sales. side stepping that could expose us to lawsuits, risking the home, some we have to keep it legal.
our corpses are insured for half-a-million, if one dies, the other one is taken care of. Assuming we both live to geezerhood, I don't want to die in poverty.
I'm a skilled maintenance & remodel tech, but self-taught. I know HVAC & have refrigerant certification but have not been to a trade school for it. same story with electrical & plumbing. I can do tons of install and remodel work & own 25,000 or more worth of tools of multiple trades & skills. I am afraid to start my own business due to insurance, liability, lack of actual certifications, and fear of shitbags refusing to pay after work is complete. I've already had slow-pay shit-shows when I was moonlighting. I stopped because of that. Luckily I never got fully stiffed. my work truck is 25 years old.
Our house the Keystone to our retirement plan. Self-sufficient gentleman's farm, 30% solar powered, 100% of meat, dairy & eggs. We're working on gardening skills, but it has been our Achilles heel. we had it mastered at the old place, new land has never been worked, had no infrastructure. I'm middle aged, in fair to decent shape, I guess. Wife is a bit younger, in perfect shape. new farm is about 70% set up. I don't know if it will ever be realistically profitable. too many regulations restrict too many potential product sales. side stepping that could expose us to lawsuits, risking the home, some we have to keep it legal.
our corpses are insured for half-a-million, if one dies, the other one is taken care of. Assuming we both live to geezerhood, I don't want to die in poverty.
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