Recent comments in /f/dataisbeautiful

tensigh t1_j3ri1b9 wrote

I agree totally. My assertion was that the Niners were an anomoly because their defense consistently outperformed their offense. The statement was "offense had a bigger impact", using the Chiefs as an example. The Niners, however, seem to refute that, or at least, are an exception.

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OperationEast365 t1_j3refrx wrote

If you income tax rate is higher than your mortgage interest rate (and I promise you it is), you should consider maxing your HSA instead of making additional payments on your mortgage. Actually, with almost every financial product yielding more than mortgage interest there is almost no conceivable reason to be making extra mortgage payments.

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johnnyB1994 OP t1_j3rc046 wrote

I could probably cut back even more than that. But I’ll notice the difference on anything over 10%. It would mean less food, or more trips to budget grocery stores, or conscious decisions to dine out less or avoid nicer restaurants, and sometimes saying no to social gatherings.

While I’m aware we overspend on food and beverage - It doesn’t bother me all that much. I see it as an investment in good memories. We’re rarely eating fast food, instead we’re arranging plans with friends to try new restaurants and bars. Heading into my thirties, I’m also aware that these gatherings will be less and less frequent as we all start making families.

Tomorrow is never certain so personally, I try to balance out how much I’m saving for the future with how much I’m investing in todays experiences (and future memories).

All that to say, I’m going to stick with a 5% reduction goal because I love food, drink, and good company 😅

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