Forget The Plan and Seize The Opportunity

Forget The Plan and Seize The Opportunity

I recently read that some people who are in the middle of paying off debt have decided to stop contributing to their 401k in order to pay off the debt faster. The more money that they get as take home, the more they can pay off, right? Let’s take a look at the math in that, and why sometimes, even if you are following a debt payoff plan, it’s better to forget the plan and seize the opportunity.

It’s Not Just About Retirement Money

If I told you I had just come from the future (put aside the sketchiness of that statement) and knew Bitcoin would make you a millionaire ten years ago, would you invest, or tell me you cant because you owe on a credit card?

Similarly, 3 years ago my brother told me they were selling a house around him for $250,000 when the other houses in the neighborhood were going for about $300,000. I had no plans to buy a house. I was 27 at the time and I wanted to wait until I was 30. I already had my condo and I was living by myself. I was happy there. I told him all this and he said it could be fun to just check it out.

The house was beautiful. Bigger than I needed, but I had plans to move in with my wife (girlfriend at the time), and we wanted kids eventually. The backyard was huge, the neighborhood was good, and less than a mile from y brother’s and my parent’s house.

A few years later, a large portion of my Net Worth comes from this same house. Although I only included it at a little over $300,000 because I like to be conservative, the truth is, the houses in this area are very close to reaching $400,000.

Math Is Always Math

My employer matches 100% of my contributions up to 5%, but let’s go a little bit more conservative. My wife’s job matches 50% up to 6%. What that means is that your dollar gets a 50% return each time you invest it. The only time you should forego the contribution is when you have a loan charging more than that 50%. If you have a loan that charges more than 50% interest though, you messed up somewhere in life and get that fixed ASAP.

Can’t I Catch Up Later?

If you go to the contact me page, I would love an email about where you are 5 years from. Not where you think you’ll be. I’m talking about where you are going to be. You’ll need that time traveling man to tell you what family emergencies you’ve had, what job losses or promotions, etc.

The truth is nobody knows what’ll happen, but there is a saying that I love about investments. Don’t try to time the market, but give the market time. When it comes to investing, time is your best friend.

Let’s say you earn $40,000 a year and your employer matches 50% up to 6% of your contributions. You’re still 25 so you got another 40 years to retire (If you’re one of the few reading this that don’t want to retire early).

If you start investing right away with the match and earn 8% annually, you’ll have $966,000 by the time you retire.

If you wait:

1 Year: $891,000
2 Years: $821,000
3 Years: $757,000
4 Years: $697,000
5 Years: $642,000

And the numbers just go on and on and on, hurting you more and more.

So When Do I Pay Off My Debt

Stick to the plan somewhat! Keep paying debt down, especially high-interest debt. If you like the snowball method of paying the smallest ones first, then go for it. But don’t miss opportunities. Don’t miss free money because someone said you should be investing until you pay off your house or whatever the situation might be. Take advantage of great deals along the way, and set yourself up to be ready for the next deal. These opportunities aren’t created by luck.

I’ve mentioned MyCalculators.com before. Plug in your numbers and see what a difference certain scenarios will make for you. And remember, you are the biggest expert on your own finances, don’t let anyone decide what’s best for you. (Including me!)



Published by Gabe A

Gabe A. is the creator of The Shiny Dollar. Besides writing and helping others with their finances, he loves to travel and spend time with his family.

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Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

Reply

Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

Reply

Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

Reply

Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

Reply

If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.

Reply

Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

Reply

Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

Reply

The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

Reply

If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.

Reply

The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

Reply

Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

Reply

The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

Reply

This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

Reply

This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

Reply

This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

Reply

The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

Reply

If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.

Reply

Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

Reply

Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

Reply

Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

Reply

The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

Reply

Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

Reply

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Ramadan Mubarak
May 2, 2018 at 6:39 am22

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