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Do u consider yourself a disciplined person? #4651771
01/31/18 08:45 AM
01/31/18 08:45 AM
Joined: Mar 2008
Posts: 5,943
Michigan
ZZman Offline OP
ZZman  Offline OP
Joined: Mar 2008
Posts: 5,943
Michigan
Reading posts about saving for retirement and investing etc made me think about the discipline it takes to do so. Much like following a budget or staying slim by exercising/diet.

I am more a "fly by the seat of my pants" guy. Hence why I am way overweight!


Last edited by ZZman; 01/31/18 08:45 AM.

2003 Mercury Grand Marquis. Rotella T6 Multi-Vehicle oil
2008 Sebring Hardtop convertible. Rotella T6 Multi-Vehicle oil
2006 Kawasaki Vulcan 900 LT. Amsoil Metric 10w-40
Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651775
01/31/18 08:53 AM
01/31/18 08:53 AM
Joined: Jun 2003
Posts: 17,347
Deplorable in apple valley, ca
Chris142 Offline
Chris142  Offline
Joined: Jun 2003
Posts: 17,347
Deplorable in apple valley, ca
Well I don't drink and drive. Never late to work.


02 Wrangler durablend 10w40
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Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651786
01/31/18 09:12 AM
01/31/18 09:12 AM
Joined: Jan 2017
Posts: 296
Ontario, Canada
newbe46 Offline
newbe46  Offline
Joined: Jan 2017
Posts: 296
Ontario, Canada
I invest into retirement regularly, I don't drink and drive either and I change my oil every 8000 KM on the dot. I'm rarely late for work. I have a fruit and a yogurt for breakfast. So I guess I'm quite disciplined person? Except for relationships with women.


2003 E46 M3 Convertible
2004 Odyssey EX-L
2004 Impreza TS Wagon
Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651804
01/31/18 09:42 AM
01/31/18 09:42 AM
Joined: Jun 2003
Posts: 10,429
Illinois
javacontour Offline
javacontour  Offline
Joined: Jun 2003
Posts: 10,429
Illinois
Probably more disciplined than most, but some might say I could improve.

I'd like to think I strike a good balance. I work out 4-6 days each week. Took off this AM to go see if I could catch the lunar eclipse.

I invest, but put most of it on auto-pilot. If it comes out of my paycheck before I see it, I won't miss it.

That sort of thing.

But I won't deny myself a rootbeer float just because it's largely sugar. I just won't have 30 a month. Maybe 30 over the course of 18-24 months.

When I drink, I do try to stay on the one drink an hour plan. Or I'll have a beer, then a glass of water, then another beer.

Over new years this year, I had 4 or 5 drinks over the course of 4 hours, culminating in a glass of champagne when the clock struck 12.

I was the driver, and did have to pull over when one of our party of 50 somethings had to throw up. So I was certainly the most disciplined out of our party.

Disciplined doesn't mean no fun. Disciplined, to me anyway, means the fun doesn't entail undue risk. I can drink, but don't need to drink to blackout drunk. I can enjoy the occasional sweet treat, but not make it a staple of my diet. I can work out, but it doesn't include panic attacks if I cannot get to the gym one day. I can invest, but I don't need to obsess over the daily machinations of the markets.


network down, IP packets delivered via UPS -BOFH
Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651807
01/31/18 09:47 AM
01/31/18 09:47 AM
Joined: Nov 2005
Posts: 988
Rockwall, Texas
Old Mustang Guy Offline
Old Mustang Guy  Offline
Joined: Nov 2005
Posts: 988
Rockwall, Texas
Many of us are disciplined in some areas but not others. At 65 I am addicted to working out and quite fit but the only reason I have money is because my wife is a great money manager.

Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651819
01/31/18 09:55 AM
01/31/18 09:55 AM
Joined: May 2009
Posts: 12,189
N.H, U.S.A.
ARCOgraphite Offline
ARCOgraphite  Offline
Joined: May 2009
Posts: 12,189
N.H, U.S.A.
More so now over 60 than when I was in my 20's.
The recent market uptick has me quickly closing in on 7 figure retirement nest egg smile Which is great as our retirement savings ( FIDELITY 401K + Roth + Borkerage acct) were decimated to below 200k in the mid 2000's due to the market falling off a cliff.
I have been 80% out of the market for the last year; I'm not risking our newfound bundle with an upcoming BEAR market over greed for another 10% uptick.

At least I think the bear is near, Should be given the feverish overvaluation of the aggregate.

I still drive too fast - or even off the road when exasperated with traffic or dang mad. Guess I got that AADD brain that promotes pedal to the metal.

Last edited by ARCOgraphite; 01/31/18 09:59 AM.

2014 Nissan Rogue S CVT, OC#9 41392mi-QSUD10W30 + M110A CHAMP Filter; 2017 Subaru Crosstrek CVT OC#2 ?? mi-SOA/Idemitsu 0w20 + SOA Filter
Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651910
01/31/18 10:59 AM
01/31/18 10:59 AM
Joined: Aug 2017
Posts: 534
Nebraska
BJD78 Offline
BJD78  Offline
Joined: Aug 2017
Posts: 534
Nebraska
A lot better disciplined at saving money now at age 57, but up until about age 40 money seemed to burn a hole in my pocket,I would save for a bit and then find a reason or a vehicle to spend it on. Had a few years of low income jobs, payed off my wifes college debt, still helping a son with college and a daughter will start college next fall, had a fair amount of out of pocket chiropractic costs and dental cost but saving some at least usually about $300 per month goes into our USAA Roth mutual fund. It takes discipline and a bit of luck as well... ones income is not always an upward path with increases every year. Often we may have to take a job that pays less or has less hours.. lots of factors play into being able to save.. like vehicle repairs, home repairs , tax increases, dental and medical costs, taking care of a aging parent etc. Hard to keep up sometimes. fortunately I have a military pension and do not have to depend on a mutual fund to live on. With such a late start i do not expect our Roth to provide much more than enough monthly income to pay a few utility bills. Best to start at a young age even if it is $25.00 per month.. the power of compounding over time (decades) is where the true power is.


2010 Forester:122K
2009 Sonata :189K
2010 Tucson:55K

OCI 5K using the cheapest dino oil I can buy,usually NAPA or TSC Travelers oil.
Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651914
01/31/18 11:01 AM
01/31/18 11:01 AM
Joined: Oct 2014
Posts: 11,836
Idaho
CT8 Online content
CT8  Online Content
Joined: Oct 2014
Posts: 11,836
Idaho
Not at all. Obsessive and compulsive, yes.


"Don't let your preconceived notions get in the way of facts."
Geoff Metcalf
Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651948
01/31/18 11:26 AM
01/31/18 11:26 AM
Joined: Dec 2014
Posts: 1,248
California
Vuflanovsky Offline
Vuflanovsky  Offline
Joined: Dec 2014
Posts: 1,248
California
To me, discipline is a pattern...and usually that pattern is etched into your routine. Sometimes that's generated by the person and sometimes that's generated by circumstance. For example, I consider always being cognizant of what you're eating and getting sufficient exercise as discipline much more so than specifically making it to the gym to do bench presses and kettlebell swings 3x a week. One's more of an 24/7 entrenched pattern and the other is more of a scheduled activity.

In investing, dollar cost averaging can be a pattern that shows discipline but, depending on the person, not taking all your money out of the market when there's a 35% downturn can be a greater discipline. If you're systematically having 6% of your paycheck taken out every month to invest, that's buffered by a scheduled action that you don't see in the same way as losing 45% in one of your mutual funds. Although they're related, I think they can generate very different reactions. Therein lies the idea of people being disciplined in one area and not in another...not to mention what's considered "disciplined".

Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651950
01/31/18 11:34 AM
01/31/18 11:34 AM
Joined: Jan 2009
Posts: 2,377
wi
dave123 Offline
dave123  Offline
Joined: Jan 2009
Posts: 2,377
wi
Yes it's why I'm not a disgusting fat slob anymore

Re: Do u consider yourself a disciplined person? [Re: ZZman] #4651990
01/31/18 12:35 PM
01/31/18 12:35 PM
Joined: Jan 2017
Posts: 296
Ontario, Canada
newbe46 Offline
newbe46  Offline
Joined: Jan 2017
Posts: 296
Ontario, Canada
A penny saved and a penny earned. I once heard it from a woman from America.


2003 E46 M3 Convertible
2004 Odyssey EX-L
2004 Impreza TS Wagon
Re: Do u consider yourself a disciplined person? [Re: ZZman] #4652038
01/31/18 01:13 PM
01/31/18 01:13 PM
Joined: Apr 2003
Posts: 1,354
Nowhere NM
Smoky14 Offline
Smoky14  Offline
Joined: Apr 2003
Posts: 1,354
Nowhere NM
ABSOLUTELY


99 Acura 2.3CL 5speed MT
12 Ford Fusion 2.5S 6speed MT
05 Suzuki Bandit 1200.
Re: Do u consider yourself a disciplined person? [Re: ZZman] #4652234
01/31/18 04:32 PM
01/31/18 04:32 PM
Joined: Nov 2008
Posts: 3,156
Oshawa, Ontario Canada
JC1 Online content
JC1  Online Content
Joined: Nov 2008
Posts: 3,156
Oshawa, Ontario Canada
"Discipline weighs ounces, but regret weighs tons", Jim Rohn.

I'm disciplined enough, to where my 15 year old son says I need to enjoy life more. My response is, I don't need any more headaches.

Last edited by JC1; 01/31/18 04:32 PM.

2015 Grand Caravan SXT Plus 5w-20 PPPP/Fram Ultra Filter
1997 Honda Civic CX 5w-30 Shell Conventional/Fram Ultra Filter
Re: Do u consider yourself a disciplined person? [Re: ZZman] #4652236
01/31/18 04:34 PM
01/31/18 04:34 PM
Joined: Jun 2002
Posts: 12,518
The Motor City
Kestas Offline
Kestas  Offline
Joined: Jun 2002
Posts: 12,518
The Motor City
I always spent less than I made (or had). This was true even in college.

I had a girlfriend in college who would qualify for student loans, spend it on frivolous items like clothes she didn't need, and still try to borrow from me!

She graduated well in debt, and now her husband is paying for her debt while she and I had a good time!

Re: Do u consider yourself a disciplined person? [Re: ZZman] #4652246
01/31/18 04:38 PM
01/31/18 04:38 PM
Joined: Sep 2013
Posts: 10,447
Indiana
dlundblad Offline
dlundblad  Offline
Joined: Sep 2013
Posts: 10,447
Indiana
"Disciplined" is subjective. smile


03 Jeep WJ 4.0 200k Castrol Edge 10w40 HM Fram XG16
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