Travel sports are very expensive, time-consuming, suck a lot of the joy out of sports in a way that rec leagues don't, and pretty much are a waste of time if your kid is under ten. Stick to rec leagues, where your kids actually play against teams that you all recognize, and against players that you may know from other areas, and enjoy life! And save a whole lot of time, money and stress out of your life as well.

If your kid is truly gifted sports-wise, there will be travel sports opportunities as they approach their teenage years.

 

I’ve watched my neighbors blow a tremendous amount of coin and time, and their kids were supremely disinterested. I mean thousands of dollars when the local Y or “Town of XYZ” sponsored sports would have done just fine at 1/20th the cost.

I’m convinced the travel sports thing is a scam. Someone is making money on the back end. It ain’t “for the kids” when there is that kind of money getting tossed around.

But hey, they do they.

 

But how are they getting to all of these “away” tournaments?

 

Home games are on diamond #1. Away games are on diamond #3.

 

I just gotta say, there is a lot in this entire thread that is "wrong", talking ESG, nope, mirroring is wrong, where funds held is wrong. Welcome to the boards. I'll tell you straight up, there are many things spewed above that are just wrong. Try me on the source. Google Jonathan Glidden. You will find him in the org chart, but also just see what his pension group does. Then cross reference the MBCBP SPD to see where MBCBP funds are actually located and how they are managed. I'm off to bed, y'all enjoy.



I'm home after 7 days straight ending in a redeye, so I'm toast. Poor planning and schedule changes as a junior CA vs 15% in seat... but I digress, reality is setting in.. Lots to unpack. I'll work to dissect things when I get a moment. Y'all have fun with the reality. Jan 23 S&P purchase felt rough in October, but genius level in December. These are different baskets. Understand that, and yes, portfolio ratio is open to change.

 

2.25% since 2021... why I'm still paying down principle on top of that, I don't have a clue. Dave Ramsey would be proud and I just don't want a mortgage after I go early. No tax break means no incentive to upgrade to the big house. Kids sports are the staus symbol Rolexes used to be.

 

Same same on the mortgage. Keep going. Will feel good when it’s gone.

 

Im planing to pay my mortgage this year. Maybe I’ll be able to save $7500 a month then. Only if Ny state doesn’t screw me over with the BS letter that I may owe taxes.

 

Im sure you know this, but you’d be much better of putting the extra principal in a high yield savings and letting it sit at 4.5%+. Use it to pay off the mortgage on retirement day, and you’ll be tens of thousands, if not a hundred grand ahead.

At 2.25%, your mortgage should be the very last thing you pay off.

 

I love rate arbitrage. Ramsey folks differ on this.
Dave is great for budgeting and forming a base of finance, but I disagree on certain things. Mortgage is one. Be done by retirement but, as you highlighted, there is 2+% margin arbitrage available currently. That’s gain.