Gun Free Zone

Where a Hispanic Catholic, and a Computer Geek write about Gun Rights, Self Defense and whatever else we can think about.

J. Kb

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A trend thst will lead to deaths

Mar 28, 2024 J. Kb 5 comments

 

How many times has this blog covered one punch kills?

A trend of punching women in the face will result in women dying.

Eventually, a woman will be sucker punched, lose consciousness, fall, hit her head, and die.

These men need to be prosecuted for attempted murder.

Ideally, women should be able to concealed-carry in NYC, and when a dude takes a swing at her, he gets his liver ruptured with a JHP.

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Hopelessness setting in and leading to depression

Mar 27, 2024 J. Kb 25 comments

A buddy of mine sent me the Instagram channel of a realtor who talks about the reality of the Millenial and Gen Z financial situation.

Three videos of his really hit me hard and and explain why the last year and a half has been increasing hopelessness and depression.

 

 

 

I was born in 1983, so I’m an elderly Millenial, but I don’t feel like one.

Here is why.

I finished college in 2006. I didn’t like being a chemical engineer in a refinery, so I went to grad school for metallurgy. I expected to get an MS, but fell in love with my school and research, and my grad advisor became my best friend, so I just stuck around to get my PhD.

I finished school in 2012 at the age of 29.

My first job was in consulting. Wasn’t a big fan so left to work in R&D for a manufacturing company.

Iived that job. I was laid off when they declared Chapter 13 bankruptcy.

I went to a small aerospace and defense sub contractor until an election and change of presidents resulted in me losing my SBIR funding.

I went to another consulting company, and hated it. They fired me after 14 months, just before I was going to turn in my two weeks notice.

I went to work for another manufacturer in R&D, which is where I am now, and I love my job.

My living situation is horrendous.

I never expected to be a job hopper. I would have loved to stay with my last factory job until I retired, had they not gone bankrupt.

The advise about job hopping leading to raises is true, but that only works if you job hop and stay in the same house.

Unfortunately, my specialty means that every job hop requires a move.

I’ve lived in nine states in my adult life.

Since I started working, I’ve done four cross country moves, and bought and sold three houses.

Every job hop costs me easily $20,000 out of pocket. Combined with a few stints of extended unemployment between jobs and that’s lost me virtually all of my savings. Each time I bought a house, it was more expensive than the previous one.

Every job hop, despite averaging a $10,000 raise, has been a financial step backwards.

That brings me to where I am today.

My first house was a town home I paid $147,000 for with a $7,000 down payment that was a graduation present from my grandmother.

I sold that for my next house, and it got mt $20,000 on a $237,000 house.

I benefited a little grom COVID housing price increases and that got me $60,000 on a $440,000 house.

Sold that house after 14 months and got fucked. I had to rebuild the septic to sell it. Along with sime other repairs, and closing costs, I lost money and walked away with $30,000.

In New Hampshire, closing costs can’t be put into escrow.

A 3 bed/2.5 bath, 2,000 sq-ft house, for my family of four, averages $650,000.

My proceeds from my last home will only cover closing costs. I have no down payment.

I’m trying to put money away, but rent is $4,000 per month. Water is $300, electricity is $300, heating oil is $500 in winter and $300 in summer (heating oil also heats my water).

That’s $5,000 per month in rent and utilities.

I’m making $150,000 and my wife makes $70,000.  Rent and utilities is 42% of our net take home pay.

We have two kids, two car payments, a couple of credit cards, and she has student loans.

I’m scripting and saving to put away $10,000 per year.

To do a mimum 3% down is two years of savings on top of what I have just for closing.

At current interest rates and New Hampshire property takes, mortgage alone will be $5,500.

That means that means rebt and utilities will be 54% of my net pay.

With all my other bills, that’s $2,000 per month for all consumables to break even, putting nothing into savings.

I’m working hard to pay off credit cards, but that will only buy me another $700 per month.

The reality is, I cannot afford a home unless prices and interest rates come down.

If I manage to buy and be stupidly house poor, I’ll get it paid off at 72.

So already, I’m looking at still paying a mortgage long into when I should be retired.

If housing costs continue to increase faster than I can save, that keeps pushing further and further out until I will die before my house is paid off.

I’ve looked at moving to where housing is more affordable, but that puts me back into the uncertainty and cost of another job hop and cross country moves.

My current employer loves me and my boss wants me to stay and have a long career here.

So I don’t know what to fucking do.

Stay with an employer that I love and loves me, but it’s becoming crystal clear that I’ll never own a house or retire.

Or

Move again, lose the last of my savings doing that, and end up at another job that might force me to move again after that.

So what I am is a 40 year old man with two kids, making a combined income of $220,000, and the inability to be a homeowner or retire, with no light at the end of this tunnel.

The more I try and crunch the numbers, the more hopeless I become, and the depression is starting to sink in.

I never thought I’d be in this situation.

If my wife and I had our salaries now in our 2019 home, I’d be living like a fucking king.

Today, I turn the heat to 50°F and make everyone wear sweat shirts in the winter, and buy Aldi store brand groceries.

I don’t know what to fucking do.