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Hey Whiners, Bite Me!

There is a theme in the comments of the Yahoo article that covered our mortgage payoff story (for our first house, not our current one).  You can actually read my payoff story in my own words here.  Long story short, we bought a house in April 2007, paid it off in April 2013, and did it mainly by paying $160 more than necessary every month.  That would have had us paying it off in 10 years.  We shaved off an additional 4 years by throwing additional principal payments onto it when I started making more online.

Mainly, with Yahoo’s post, there are whiners and normal people in the comment section.  Let me be clear, whining is great.  I love to do it.  But lashing out at others because of what you have stuck in your whiny brain is stupid.

Here are my responses to all of the whiners that I am sharing here because I love my readers and think my I-really-want-to-say-it responses will make you laugh or at least agree.

But We Don’t All Make $120,000 a Year

Then work on increasing your income!  Or shut up.  My business didn’t magically appear.  I worked my butt off to create it, grow it, and to keep it going!  Don’t want to work that hard?  Then don’t.  I don’t care what you earn, and you don’t have to either, but that means you can keep your mouth shut when someone else succeeds.

We Can’t Buy a Good $114,000 House Where We Live

Then move.  Or shut up.  Yeah, I live near Houston, TX and homes are cheaper here than along the coasts.  But you can either move, make more wherever you live, or suck up the fact that you choose to pay more.  We have to deal with hurricanes and crappy summers.  You have to deal with coastal views and crappy prices.  Whaaaaaaaaaa.  It’s a choice – a really hard one, granted, but a choice none-the-less.

I’m Not Married

So get married.  Or get a second job.  Or shut up.  Sensing a theme?

I didn’t say you had to be married.  And I didn’t get married just to buy a house.  It’s my situation.  Deal with your own situation.

I’m Not Listening Because You Don’t Have Kids

Damn skippy.  It’s by choice.  And if I decide to have kids, that’s our choice too.  I know kids are expensive, but I also know people who have kids and have paid off their home too.  Kids are not an excuse.  They are a prioritized expense.  If you have kids and want to pay off a loan faster, cut something else out of your budget.  It’s not rocket science – it’s budgeting.

I Don’t Want to Rent Out a Spare Bedroom to an Ax Murderer

Then don’t.  We have rented to 4 friends and 2 strangers.  It wasn’t necessary in paying off our mortgage – I just liked the extra income.  Overall, we brought in about $9000 over the 6 years we owned the other house.  Maybe $11,000 if I am forgetting a few months.  That was not how we paid off a $92,000 mortgage in 6 years.  It was just a way of making extra money that Yahoo wanted to include.

Paying Off Your House Loses Your Interest Deduction

This is stupid or ignorant.  First, you must be assuming that the standard deduction wasn’t higher than itemizing (which is was, so we never itemized the first house’s interest).  Then you seem to assume that making back your tax bracket’s worth of interest is better than paying no more interest at all.  NO.  BAD HOMEOWNER.  No interest is way better than a 15%-33% discount off of interest.

You Must Have Lived Like Homeless People

Nope, we live quite nicely, thank you.  We splurge like everyone else, but we don’t splurge on absolutely everything else.  It’s called prioritization – look into it.  If you rather pay off a loan than smoke, give up smoking.  We splurge on food and services, but we don’t buy absolutely everything we want.  “You can afford anything, but you can’t afford everything.”

Your House Must Suck

Nope.  It’s a good house.  Built in 2004 and here’s a picture.  Stop being hateful!

Our First House

It is a cute home. 3 bedroom, 2 1/2 baths, 1750 square feet. Nice neighborhood.

 

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42 comments to Hey Whiners, Bite Me!

  • I know EXACTLY where you’re coming from – Vonnie and I were featured in a Business Insider story that got picked up by Yahoo and some of the comments were brutal…..but also along many of the same themes. The problem is, people want to make up EXCUSES as to why they cannot do the same thing. They don’t want to believe that the fact of the matter is, they just flat out don’t have the discipline to do it. Stories of hard work, determination, and perseverance will inspire some – and that’s who we’re trying to reach. Screw the rest.

  • That’s great news Crystal.

    I remember when I was studying for a mortgage advice qualification a few years ago, I saw a table of mortgage repayment costs.

    Anyone who takes the traditional 25 years to repay the debt will end up paying 2 or even up to 3 times the original cost of the property.

    That’s frightening, especially as many people buy homes that they can’t afford.

    On the other side, if you make double repayments, the repayment terms drops to around 7 years.

    You must have been throwing everything except the kitchen sink at your debt to get it done in 6 years.

  • People will always find excuses. You guys are doing great!

  • Hahah! I am ROFL. All of the cited excuses imply that by telling what YOU did to pay off your mortgage, you insist that others do the same! Sounds like they have a guilty conscience and KNOW that their reasoning is faulty.

    What they don’t seem to get is that we all have choices. Maybe they DO get that part, but forget that each choice comes with a consequence. The sum total of those choices and attendant consequences equals where you are now. For everyone.

    So, I am not about to argue with you – only show the tiniest bit of jealousy! Congrats and way to go!

  • People love to make excuses for everything because it justifies their poor behaviour and masks their laziness.

    I can say that because I have been know to whine and I can be pretty lazy and it always costs me money.

  • PERFECT responses to the ignorant comments of others, most of which I suspect are lazy and jealous. As someone who has also paid off a mortgage, I hear those same comments from time to time. I made choices to get where i am at… to me a paid off house was more important than a bunch of extra vacations or newer cars. So be it. Life is about choices and I am sick and tired of people who make bad choices whining when they don’t get everything they want (and let’s face it, who among us gets everything we want???). I wish Yahoo would run a follow-up with this post linked to it so the haters can see your responses. :)

  • Well your title got my attention this morning. Love it, keep on doing what you are doing. Grace

  • Haha! I loved your responses. There are so many people who like to make excuses for their situations when they are simply choosing not to change them. Your responses were the EXACT same ones I would have said in my head, but wouldn’t have had the guts to say, and that made me smile today :)

  • casper

    Love this post. Reminds me of my inner thoughts when i’m coaching people about information security. I really enjoy reading your blog. Keep up the good work, and congrats on the house!

  • I read the yahoo post and it seemed like there were at least some non-whiners that got it! Life is a choice and it’s all about prioritizing.

  • I think it’s awesome you were able to pay off your house early! Don’t listen to the haters.
    We’re currently in the process of looking for a house to buy. We are so excited and hope we can find something reasonably priced and in good condition.

  • So bitter….

    Like I said before, Porn Star Rules. Haters? Screw ‘em.

    :)

    “I’m Not Listening Because You Don’t Have Kids”

    This one is entertaining for me. I had my first kid at 20 while I was making $11/hour in a factory and my wife was working at a gas station. Six months later, I took a 30% pay cut to get off the graveyard shift and into a cube-farm job so I could see my family. I went to college working full time for crap pay with a baby at home. At this point, we were making less than $30k/year from two incomes.

    At one point we had more than $60k in consumer debt, plus our mortgage.

    That kid turns 14 in a couple of months. Last year, we were one paycheck short of a six figure income and we have $20k left on our mortgage and no other debt.

    So yeah, boohoo, haters. Crystal did it the smart way and didn’t have kids before she was ready. I did it the hard way and wouldn’t change much. Anybody can do it. You just have to freaking decide to prioritize paying your crap off instead of buying the car you think you “deserve” or taking the vacation you feel you “need”.

  • I definitely agree with you and know you worked hard to pay off the mortgage. I am probably in the minority here but I do think you could have written your responses to the whiners in a little less “ranty” way. There is a classy way to respond to criticism and I think you should probably have waited until you cooled down a bit before posting.

  • Andi

    I am one of the many who can attest to how hard you work, and your entrepreneurial bent. Keep kicking ass. In the future, I wouldn’t recommend even dignifying the comments of people who refuse to get out of their own way. They will only get in yours.

  • Amy

    You go, girl!

  • christie

    Well, this was something funny to read with my morning tea!
    It is all about focusing on what you CAN do vs what you can’t do. I believe everyone has some opportunities to make more or spend less. Getting out of debt can be slow and boring but it is worth doing.
    ~ Christie

  • Sounds like most of the commentors could use a Crystal ass-kicking. Excuses won’t get you far in life. People too miserable to change their own lives have to try to bring down people around them! Good for you guys, I think it’s awesome you paid off a mortgage in 6 years. If anything I find the story inspiring! Makes me want to find $50k in extra income to pay off ours!!

  • Mel

    First off – you are awesome. I giggled my way through this entire thing. Your choices are yours, mine are mine – just because you have no kids and triple my income does not mean I can’t learn from and be inspired by you. Period.

    Second – I saw this very same thing happen to another financial blogger. Her family was featured in a local newspaper and they had so many jerk-ass comments, that I think it has kept her from blogging; or at the very least has had them reasses their blog directions. In any case, I have not had the pleasure of following their adventure for months because they have stopped posting.

    And lastly – people are dumb. Dumb, dumb, dumb. I find myself saying “I just can’t do that”, or “I wish I made more money” or, [gasp] “I wish my husband would get a job instead of staying home to raise our children”. But at the end of the day, I know who is managing my household, he’s awesome, our children are well fed, we don’t need for anything and our wants are very minimal (mostly due to perspective), and frankly – we’re happy. We have very little debt that we’re whittling away at (again) and we purchased our very first home on $15 an hour… Yes, I’d like to be out of debt. So stop spending. Yes, I’d like to make more money. So stop getting jobs that you KNOW are underutilizing your skills and underpaying you. Everytime I think these things, I remind myself that you have worked to get where you are just as hard as I worked to get where I am – sometimes, I was working at digging myself a hole, and sometimes I’ve worked at filling it back in.

    Of course, all that rant to say – you are awesome! I love reading your journey and adore your honesty. Keep up the great work!

  • Haters gon’ hate!

    But seriously, they’re just finding excuse after excuse not to be debt-free.

  • retired

    Is it bad I wanted to like or “thumbs up” most of the comments here today. See, I was afraid your response would be even more undiplomatic. It was a fun post. This is a blog about your reality, your opinions, and your perspectives. If you can take the garbage and still keep on going, so can they. Most commenters seemed to have an agenda, blowing THEM off is fine.
    Most of them were complaining about Yahoo actually. I think Yahoo could have written a better article myself, with a better title. It is almost like they were using your story to generate hits. They did not really care if it accurately described what happened. There was no research or actual statistics quoted about mortgages, paying off mortgages, or any addressing the fact that what is a tax advantage to one person isn’t much of one to the next. The article would have really popped if they had shown what the true cost of a house is after paying a 30 year mortgage. Then shown how many funds pretty much tanked in 2007-2008 and are just now back to the previous levels, yet house prices have not really gone down yet. Some of those funds and investments not only tanked, they left the investors (even if it was a retirement fund) responsible for debts. There were so many things that could have been included without too much bother. Why they wouldn’t link back to your blog, I really don’t understand.
    Sometimes you have to blow off some steam. If not here, then where? Yeah, the mature thing would have been to state it a bit more diplomatically, but I think everyone understands.

  • Joy

    Post rocked!
    Love the photo of your paid for house. You know what would have really made the article seem better? If they had taken a photo of you in front of the house, with that “PAID” on it.

    I have lived in other countries where no one ever expects to own their home outright. I think we should fight that tooth and nail. There is no reason to have to live in debt your whole life, that is not freedom. Yeah, you still have to pay taxes, fees, and insurance; but we can shop around for the insurance, vote for better taxes, and buy where fees are minimum.
    It was nice to see you featured on a national service like that. Maybe instead of helping a reporter you should free lance?

  • Crystal,
    Love the new picture! I came looking for a checklist I saw mentioned in Yakezie and wanted to compliment you on the pic. This post is a blast too!

  • Claire

    Crystal, this was my all time favorite post. I agree with all of this. Whiners are whiny!

    What in the world are all those ‘interest deduction zombies’ thinking? They’d rather shell out WAY TOO MUCH actual cash in interest, than lose a deduction on their taxes. They simply aren’t thinking about it enough – pay $1 of interest, get $0.33 cent deduction. Um, you just wasted $.67 kthxbai.

    SHEESH!

  • Travis

    Looks like it was your turn with the Complainypants crowd. Most successful PF bloggers get their turn with those people, especially when featured on Yahoo. MMM had his day(s). RB40 had his. I’ve seen a couple others too that I can’t remember off-hand. You just need to ignore the comments. The whiners are the ones with dead-end jobs, they had kids too early, they got a junk college degree, etc. and they just hate to see anyone else be successful.

  • @Travis, good point! Thanks for sharing. Are you and Vonnie going to be at FinCon this year? It was fun to hang out at the last one. :-)

    @Stuart, I think with our $92,000 loan (we put 20% down at 5.375%), we ended up saving around $15,000 in interest by paying off the home in 6 years instead of 15 years (the initial loan term). We saved $65,000 if you are comparing 6 years to 30 years…it’s freaking insane.

    We need to start overpaying our current mortgage, but we were going to wait until next year to see if we rather buy another rental property or throw the money into a SEP IRA. Our current mortgage is at 4%.

    @Michelle, thanks!

    @Georgene, don’t be jealous. We have our first home paid off. Our 2nd one still has $204,700 to go. And thanks for the support!

    @Jane, lol, yeah, I’ve been there too. I just don’t write out my whine usually, hahaha.

    @Denise, nah, the whiners can whine over there and we can be all just know better over here. :-D

    @Grace, have a great week. :-)

    @Kyle, glad to make you smile!

    @casper, thanks and thanks!

    @Mrs. Pop, yeah, I thumbs up all of the non-whiners I could yesterday. I felt like I wanted to hand pick people from over there to come and hang with us over here, lol.

    @Savvy, good luck!

    @Jason, I thought about you and some other friends and family when people were whining that kids held them back. My parents paid off two homes in less than 15 years total and paid for all of their cars in cash on one 5-figure income while they raised us 3 girls.

    @Courtney, I didn’t post them to the whiners, just here. This is my venting ground. That’s why it’s fun to check in here once in a while…you never know what I’m going to do. Perky Crystal, Cranky Crystal, Chaotic Crystal – we’re all here. ;-)

    @Andi, no worries. My responses yesterday on Yahoo were mainly to get my name out there (plus anybody could click on my name a couple of times and see my website in my profile, lol). It’s marketing. :-) And today’s post was just 25 minutes of a fun rant to share…it’s nice when post material is just there for the taking. :-D

    @Amy, thanks!

    @Christie, exactly. :-)

    @Angella, good luck! I need to find $204,000 and finish off our current one, LOL.

    @Mel, and this is why you kick butt. :-) I’m sorry the other blogger was scared off. I haven’t seen any of the trolls pop up here in my world, so I am 100% cool beans. It’s separate from my happy place. :-D I think you are very right, everybody has their own journey. I’m super glad you are inspired and not annoyed by mine. I love reading about yours too.

    @Lisa, yep.

    @retired, I think you are very right, Yahoo’s title SUCKED for our story. The “Tips to Pay Down Your Mortgage Fast” were not really there. We overpaid from day 1 and threw extra principal at it when our earnings went up. It wasn’t rocket science and yes, I do think Yahoo completely used it and labeled it wrong.

    @Joy, HARO (help a reporter out) is usually a way to get my blog linked to from big publications. Yahoo was just greedy this time around. And yeah, I should have sent a picture of our first house like above when they asked for our photo…way more useful.

    @Marie, thanks!

    @Claire, yay, I got a “favorite post” comment! I told my mom that this one would make a lot of people really happy. :-) And thank you for the interest deduction myth example. :-)

  • @Travis, I love that word “complainypants”…it’s even better rolling off the tongue than in writing! Just so you know, I am stealing it. :-)

    No worries here, it didn’t bother me at all, then I realized that writing out my inner-thoughts here would make for a pretty fun post. Score! The whiners didn’t really get to me. The aggressive part of me just likes to point out when people are being stupid, and that isn’t very pretty looking in public, hahaha. Thankfully, my blog is only public to like 500 people a day…not Yahoo public. ;-)

  • Travis

    FYI, “Complainypants” is a term I got from MMM. Not sure if he coined it or got it from somewhere else, but I just want to give him credit since that’s where I first saw it.

    It’s fun to poke at the commenters there on Yahoo. Well, maybe for about 5-10 minutes, then it gets old. That’s when I remember there are more useful things I can be doing with my time, like staring at the wall or spinning around in my chair.

    Hopefully you were able to pick up a few good readers from Yahoo. That’s actually how I got interested in reading PF blogs. There was an article from RB40, so I went to his site, then started going to more and more sites, including yours. It was such an eyeopener to see so many other 20/30-somethings that think the same way I do when it comes to finances. Maybe one of these days I’ll have time to start my own blog so I can officially be part of the community :)

  • Pathetic excuses. Winners make it happen, losers give excuses. Screw them.

    I hear this all of the time in a different way. People think my parents bought me my first rental when in reality I worked like an animal and took many risks with stocks.

    It’s always easier to make excuses.

  • Tisha

    Hi Crystal! I’m a regular reader of your blog and I think its wonderful that you and your husband paid off your home. Congrats on getting featured in a Yahoo article about it. Having said all that, this “bite me” post is a bit crass. Don’t stoop to their level; you are better than that! It is not easy to prioritize money the way you have and anyone being negative is hatin. Keep up the good work!

  • @Travis, cool, then I am stealing the saying from Mr. Money Mustache then. ;-) Totally let me know when you start blogging!

    @Bryce, thanks. :-)

    @Martin, exactly. Excuses are easy and human. I just think people need to look beyond them before publicly being whiny, lol.

    @Tisha, ummm, thank you for reading. I’m a pretty crass person in general, so I don’t know how to respond to that other than sorry it offended you. I’m not stooping…I’m always like this. It probably doesn’t feel that way to readers simply because I generally am talking about money, money is my happy place, and I am generally happy. But this is totally all me…

  • Oh my gosh,
    So funny. Love it coming from you who has worked hard and has figured out what is important. Some people just love to whine. Thanks for the chuckle.
    You Go Girl.

  • The whiners are just jealous and want a pity party. Enjoy what you have, share your knowledge, and focus on the readers that can benefit from your stories. There’s my 2-cents.

  • I can’t really add to the comments about the haters. I think others are correct that they aren’t happy with their situations and it’s easier to complain than change.

    I do know that there are tons of people who troll the internet looking for answers when they are in a financial mess, like I used to be. When you read stories about people who do amazing things with money and you are $30K in credit card debt, your knee jerk response is to believe these people are mutants and no normal person can do that. Finally, I decided that I’m no more special than anyone else and decided to get my butt in gear. So for every hater, there is probably someone being inspired by the possibilities of what can happen if you set the bar high and work very hard. They just don’t comment about it. Thanks for continuing to inspire.

  • @Aimy, you are very welcome. :-)

    @Little House, good 2 cents.

    @Kim, awww, I love your story!

  • Thanks for the entertaining rant! I get where you’re coming from, and agree with the theme. Complaining has its place, but taking action and having personal accountability is better. Now, some people do have legit excuses and others may have gotten raw deals, I will say that. But others just like to whine for nothing out of jealousy instead of trying to improve their situation or reach goals.

    BTW the interest deduction part is one I’ve heard before, and I know what you mean. No interest is better than paying interest.

  • Gotta have thick skin to be a blogger sometimes. People can be real a-holes. Instead of learning from your success and trying to emulate it people will try to push you down and “yeah but” you to death. Good for you for giving it right back!

  • @Squirrelers, you’re welcome for the rant, lol. Yep, I tried not to lash out at people with non-whiny sounding complaints. :-)

    @KK, I don’t know if I have thick skin, but I do have the excellent ability to stop listening when I don’t respect someone’s opinion. Here, it actually came in handy, lol.

  • SD

    I agree with your list here, especially the interest deduction one. Banking on something like that just doesn’t make sense to me.
    And in my mind, it’s really about your 2nd to last point, living within your means/prioritizing.
    By the way, I’m one of the people that was on the Yahoo board (though it doesn’t look like you were responding to me on this list!) Those boards are always interesting…but always full of idiots. Definitely try not to take it to heart!

  • @SD, LOL, totally wasn’t responding to anybody specific. Just the general whiners. :-) Thanks for popping over and I hope to see you here more! I don’t have many idiot commenters at all, lol. ;-)

  • you can be successful by slogging you a off and be a whiner by slacking off. Its true people always forget hard work behind success.Double thumbs up on that lovely home.

  • Crystal- Good for you for sticking up for yourself (and your home!).

    Sometimes people are just jealous of another person’s success and want to rationalize it away. My favorite is the “I’m Not Listening Because You Don’t Have Kids” excuse. I also don’t have kids and am working on paying down my mortage in 10 years by paying an extra $200/month towards it. When I talk about it, the kids excuse is the number one reason that people say they can’t pay off their house. It’s just an excuse, like an other excuse.

    Make it a priority and it will get done. Or don’t make it a priority and it won’t get done. Like you said, either way, it’s a PERSONAL choice.

    By the way, your home is beautfiul and we are proud of you for paying off your house so quickly!! Congrats! Your story motivates me to keep going to my plan to payoff my mortgage in 10 years, it’s a long time but I know I’ll get there.