Living Below your Means vs Living in Base
08-24-2024, 04:22 AM
#41
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Joined APC: May 2015
Position: 717a
Posts: 711
I lived in base for the first 28 years of my career at Delta. Lived just west of Roswell. 30 mile drive. Early on I enjoyed the drive. Employee parking was on the airport. Little Traffic. A late night block in afforded the opportunity for an "Italian tune up".
Parking lot moved. Employee buses became unreliable and crowded. Traffic became a nightmare. 30 miles occasionally taking up to 2 hours.
I started commuting 2 years ago to live on the coast. Never was a commuter before. I'm senior and bid accordingly. I can honestly say that my commute is less stressful than the drive, lot and bus when I lived in "The ATL".
Living where you want to means a lot.
Parking lot moved. Employee buses became unreliable and crowded. Traffic became a nightmare. 30 miles occasionally taking up to 2 hours.
I started commuting 2 years ago to live on the coast. Never was a commuter before. I'm senior and bid accordingly. I can honestly say that my commute is less stressful than the drive, lot and bus when I lived in "The ATL".
Living where you want to means a lot.
08-24-2024, 04:30 AM
#42
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Joined APC: Jul 2013
Posts: 10,569
I lived in base for the first 28 years of my career at Delta. Lived just west of Roswell. 30 mile drive. Early on I enjoyed the drive. Employee parking was on the airport. Little Traffic. A late night block in afforded the opportunity for an "Italian tune up".
Parking lot moved. Employee buses became unreliable and crowded. Traffic became a nightmare. 30 miles occasionally taking up to 2 hours.
I started commuting 2 years ago to live on the coast. Never was a commuter before. I'm senior and bid accordingly. I can honestly say that my commute is less stressful than the drive, lot and bus when I lived in "The ATL".
Living where you want to means a lot.
Parking lot moved. Employee buses became unreliable and crowded. Traffic became a nightmare. 30 miles occasionally taking up to 2 hours.
I started commuting 2 years ago to live on the coast. Never was a commuter before. I'm senior and bid accordingly. I can honestly say that my commute is less stressful than the drive, lot and bus when I lived in "The ATL".
Living where you want to means a lot.
This. Commuting is a mentality. Would I prefer it if my home city and my base were the same? Sure. Is it this soul sucking, live ending thing? No. Live where you need to be happy. If that means you spend a few hours on each end of the trip getting back and forth, oh well. Get a few good books.
08-24-2024, 07:12 AM
#44
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Joined APC: Jun 2010
Position: DOWNGRADE COMPLETE: Thanks Gary. Thanks SWAPA.
Posts: 6,823
Surprisingly (to me not from there) northern New Jersey I actually have a bigger house and more land than I did in Wyoming (granted I lived in city limits in Casper, WY)
I can only see the nearest neighbor if I look out two windows on that side of the house on the 2nd floor.
200 acre boy scout camp across the street and a couple thousand acres of state forest behind that. Running water/waterfall on the property. Backs up to a large pond, although the pond frontage is conservation land so no building a dock and walkway to the dock. But it cuts my property tax bill in half.
5 miles from downtown Denville which is basically Mayberry with better delis. 6 miles to the train station. 1 hour to NY Penn on the train but I normally drive vs NJ transit to Penn, LIRR to Jamaica and then Airtrain to JFK.
Another 10 minutes down the road to basically any shopping I need to do. That was a problem for my wife in some of the more rural places we lived when I was doing oilfield stuff. 90 minutes one way to the nearest Walmart/Target/non IGA grocery store gets old.
The only "wanted but didn't get" was room to build a motocross track on the property. Technically have the acreage but the terrain isn't conducive to mx. Hard Enduro or trials it's great for.
I can only see the nearest neighbor if I look out two windows on that side of the house on the 2nd floor.
200 acre boy scout camp across the street and a couple thousand acres of state forest behind that. Running water/waterfall on the property. Backs up to a large pond, although the pond frontage is conservation land so no building a dock and walkway to the dock. But it cuts my property tax bill in half.
5 miles from downtown Denville which is basically Mayberry with better delis. 6 miles to the train station. 1 hour to NY Penn on the train but I normally drive vs NJ transit to Penn, LIRR to Jamaica and then Airtrain to JFK.
Another 10 minutes down the road to basically any shopping I need to do. That was a problem for my wife in some of the more rural places we lived when I was doing oilfield stuff. 90 minutes one way to the nearest Walmart/Target/non IGA grocery store gets old.
The only "wanted but didn't get" was room to build a motocross track on the property. Technically have the acreage but the terrain isn't conducive to mx. Hard Enduro or trials it's great for.
08-24-2024, 07:49 AM
#45
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Joined APC: Nov 2017
Position: NYC 7ERA
Posts: 2,082
08-24-2024, 09:58 AM
#46
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Thread Starter
Joined APC: Mar 2017
Posts: 888
No urgency. Paying down our home aggressively doesn't make much sense when the interest is so low.
08-24-2024, 10:14 AM
#47
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Joined APC: Feb 2008
Posts: 19,646
08-24-2024, 10:19 AM
#48
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Joined APC: Sep 2014
Posts: 910
08-24-2024, 11:01 AM
#49
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Joined APC: Jul 2021
Posts: 378
When it’s not available it doesn’t get spent.
I paid off my 3.75% RJ fo home, and was able to bring over 200k to closing on a “mainline fo” home.
Hard to itemize deductions as an RJ pilot so the mortgage interest deduction is a wash.
The loss of investing the money is real, but it is the price of risking poor discipline/ material fights of cash just sitting around looking for a reason to be spent.
Whenever/if interest rates drop back to <4% a cash out refi is only a phone call away.
08-24-2024, 11:08 AM
#50
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Joined APC: Jul 2021
Posts: 378
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