Finally... I’m student loan free

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Joey_V
Joey_V Posts: 8,519
in The Clubhouse
Finally, after the urging from my wife, I paid off my student loans.

It was scary pressing the “pay” button as I was just content paying double of the required each month for the next 8 years.

But in the end, the wife made sense. Get rid of the 4.75% debt now.

Started with $300,000 between me and my wife.

Finally... phew.

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Magico, JL, Emm, ARC Ref 10 line, ARC Ref 10 phono, VPI, Lyra, Boulder, AQ Wel, SRA Scuttle Rack, Bluesound
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  • nooshinjohn
    nooshinjohn Posts: 25,095
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    Smart move... we bought our house in Indiana so we could get the in-state tuition. Because of that, she got her doctorate with zero student debt.
    The Gear... Carver "Statement" Mono-blocks, Mcintosh C2300 Arcam AVR20, Oppo UDP-203 4K Blu-ray player, Sony XBR70x850B 4k, Polk Audio Legend L800 with height modules, L400 Center Channel Polk audio AB800 "in-wall" surrounds. Marantz MM7025 stereo amp. Simaudio Moon 680d DSD

    “When once a Republic is corrupted, there is no possibility of remedying any of the growing evils but by removing the corruption and restoring its lost principles; every other correction is either useless or a new evil.”— Thomas Jefferson
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  • verb
    verb Posts: 10,176
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    Congrats! I remember vividly making the last payment on my student loans. And the kids! :smile: Largest pay raise we got was paying off tuition for our son at Brown University! :smile:
    Basement: Polk SDA SRS 1.2tl's, Cary SLP-05 Pre with ultimate upgrade,McIntosh MCD301 CD/SACD player, Northstar Designs Excelsio DAC, Cambridge 851N streamer, McIntosh MC300 Amp, Silnote Morpheus Ref2, Series2 Digital Cables, Silnote Morpheus Ref2 Series2 XLR's, Furman 15PFi Power Conditioner, Pangea Power Cables, MIT Shotgun S3 IC's, MIT Shotgun S1 Bi-Wire speaker cables
    Office: PC, EAR Acute CD Player, EAR 834L Pre, Northstar Designs Intenso DAC, Antique Sound Labs AV8 Monoblocks, Denon UDR-F10 Cassette, Acoustic Technologies Classic FR Speakers, SVS SB12 Plus sub, MIT AVt2 speaker cables, IFI Purifier2, AQ Cinnamon USB cable, Groneberg Quatro Reference IC's
    Spare Room: Dayens Ampino Integrated Amp, Tjoeb 99 tube CD player (modified Marantz CD-38), Analysis Plus Oval 9's, Zu Jumpers, AudioEngine B1 Streamer, Klipsch RB-61 v2, SVS PB1000 sub, Blue Jeans RCA IC's, Shunyata Hydra 8 Power Conditioner
    Living Room: Peachtree Nova Integrated, Cambridge CXN v2 Streamer, Rotel RCD-1072 CD player, Furman 15PFi Power Conditioner, Polk RT265 In Wall Speakers, Polk DSW Pro 660wi sub
    Garage #1: Cambridge Audio 640A Integrated Amp, Project Box-E BT Streamer, Polk Tsi200 Bookies, Douglas Speaker Cables, Shunyata Power Conditioner
    Garage #2: Cambridge Audio EVO150 Integrated Amplifier, Polk L200's, Analysis Plus Silver Oval 2 Speaker Cables, IC's TBD.
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  • monepolk
    monepolk Posts: 1,140
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    Nice to have that out of the way.
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  • Joey_V
    Joey_V Posts: 8,519
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    Yeah now I can focus on the subwoofers and preamp.
    monepolk wrote: »
    Nice to have that out of the way.

    Magico, JL, Emm, ARC Ref 10 line, ARC Ref 10 phono, VPI, Lyra, Boulder, AQ Wel, SRA Scuttle Rack, Bluesound
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  • cfrizz
    cfrizz Posts: 13,415
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    Congratulations Joey!!!! One less massive bill to worry about!
    Marantz AV-7705 PrePro, Classé 5 channel 200wpc Amp, Oppo 103 BluRay, Rotel RCD-1072 CDP, Sony XBR-49X800E TV, Polk S60 Main Speakers, Polk ES30 Center Channel, Polk S15 Surround Speakers SVS SB12-NSD x2
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  • nooshinjohn
    nooshinjohn Posts: 25,095
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    Pass Labs Xs should be at the very top of your list. Maybe a pair of Magnepan 30.7's as well. :p

    Come on guys... I smell money to spend like a Great White shark and blood the water.
    The Gear... Carver "Statement" Mono-blocks, Mcintosh C2300 Arcam AVR20, Oppo UDP-203 4K Blu-ray player, Sony XBR70x850B 4k, Polk Audio Legend L800 with height modules, L400 Center Channel Polk audio AB800 "in-wall" surrounds. Marantz MM7025 stereo amp. Simaudio Moon 680d DSD

    “When once a Republic is corrupted, there is no possibility of remedying any of the growing evils but by removing the corruption and restoring its lost principles; every other correction is either useless or a new evil.”— Thomas Jefferson
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  • GlennDog
    GlennDog Posts: 3,085
    edited January 2019
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    in a word . . . pay you're debt down ASAP!

    If'n ya can't pay cash, ya can't afford it!

    been there, done that. Welcome to Freedom my friends!

    CONGRATS Joey!
    AC Regenerator PS Audio PerfectWave Power Plant 10
    Source Lumin U1 Mini into Lampi Baltic 4
    Pre Cary SLP-05
    Power Rogue M180 Dark monos
    Mains Salk HT2-TL
    Rythmik F12
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  • joecoulson
    joecoulson Posts: 4,943
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    Great stuff Joey. Congrats
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  • oldrocker
    oldrocker Posts: 2,590
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    Way to go Dr. V
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  • indyhawg
    indyhawg Posts: 1,637
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    Congrats Joey.
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  • mantis
    mantis Posts: 17,056
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    Awesome man, what a relief that must feel.
    Go buy a nice bottle of Franks Family Cab for you and the wife.
    Dan
    My personal quest is to save to world of bad audio, one thread at a time.
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  • mhardy6647
    mhardy6647 Posts: 33,037
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    No mean feat, in your line of work.
    Congratulations!
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  • motorstereo
    motorstereo Posts: 2,049
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    Congrats to you on the early payoff and saving yourself untold thousands of $$ on interest!! I'm betting this feels similar to an early payoff of a mortgage which also is a great feeling.
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  • miner
    miner Posts: 1,305
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    Congrats to you Joey for not bucking-out on your commitment on your student loans. You deserve a pair of new sub-base systems. I have known many who just said F-it and did not pay. Hurts those future students in the long run.
    [
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  • muncybob
    muncybob Posts: 2,970
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    Good for you! Always a great feeling to eliminate a monthly $$ burden.
    Yep, my name really is Bob.
    Parasound HCA1500A(indoor sound) and HCA1000(outdoor sound), Dynaco PAS4, Denon DP1200 w/Shure V15 Type V and Jico SAS stylus, Marantz UD7007, Polk L600, Rythmik L12 sub.
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  • codycatalist
    codycatalist Posts: 2,662
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    Congrats!
    Just a dude doing dude-ly things

    "Temptation is the manifestation of desire which equals necessity." - Mikey081057
    " I have always had a champange taste with a beer budget" - Rick88
    "Just because the thread is getting views don't mean much .. I like a good train wreck doesn't mean i want to be in one..." - pitdogg2
    "Those that don't know, don't know that they don't know." - heiney9
    "Audiophiles are the male equivalent of cat ladies." - Audiokarma Member
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  • mrbiron
    mrbiron Posts: 5,711
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    So, if you didn't buy all that audio gear, you could have been done 2-3 years ago... :D

    PS - I love you. <3
    Where’s the KABOOM?!?! There’s supposed to be an Earth shattering KABOOM!!!
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  • Legender
    Legender Posts: 478
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    Congrats Joey... and now you can focus on that dream system. Speaking of work... about now...aren't you glad you didn't take that position in Ohio? Seems a might chilly up there compared to DFW area.
    Music: Oppo103 - Parasound JC2 - Parasound A21- SDA 3.1
    Theater: Denon 3808 - B&K 7500/Emotiva XPA-3- RTi12, CSi5, RTiA7x4, PSW505
    Sleeping: Marantz 70005 - Harman Kardon 2400 - SDA 2
    2 Channel: Cary 306 SACD - Canary Audio 906 - Pass Labs x250 - PS Audio Perfectwave DAC, Polk LSiM705, SVS SB13 Ultra
    Office: Dell Optiplex, Emotiva XDA-2, Adcom 5500, LSiM 703
    Spares: Yamaha CA-810; LSi 15; Kenwood Basic M2a, Yamaha M60/M80, Polk Monitor 7, SVS SB13 Ultra
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  • Viking64
    Viking64 Posts: 6,679
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    Fantastic! Starting February 1st, you can start saving 95% of your free income to send your kids to college. :p

    Congratulations, Joey. It took my ex decades to pay off her masters and doctorate. It is great to have that burden removed. :)
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  • steveinaz
    steveinaz Posts: 19,522
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    WOOT! That's gotta feel good.
    Source: Bluesound Node 2i - Preamp/DAC: Benchmark DAC2 DX - Amp: Parasound Halo A21 - Speakers: MartinLogan Motion 60XTi - Shop Rig: Yamaha A-S501 Integrated - Shop Spkrs: Elac Debut 2.0 B5.2
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  • Derf
    Derf Posts: 229
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    Woohoo, congrats, Joey! Being debt free is pure FREEDOM!
    Integrated Amp: Marantz PM-10
    Speakers: Usher MD2
    Subwoofer: Rythmik F15HP
    DAC: North Star Design Supremo
    Streaming Source: AURALiC Aries Mini
    SACD Player: Marantz SA8004
    Power Source: PS Audio PP3 on dedicated 20amp circuit
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  • Joey_V
    Joey_V Posts: 8,519
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    mrbiron wrote: »
    So, if you didn't buy all that audio gear, you could have been done 2-3 years ago... :D

    PS - I love you. <3

    Son of a....
    Magico, JL, Emm, ARC Ref 10 line, ARC Ref 10 phono, VPI, Lyra, Boulder, AQ Wel, SRA Scuttle Rack, Bluesound
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  • Clipdat
    Clipdat Posts: 12,599
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    Shopping for a grand piano?
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  • NotaSuv
    NotaSuv Posts: 3,815
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    It's a great feeling.....and adds to the disposable income for audio...……..
    Congrats
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  • polk500
    polk500 Posts: 1,171
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    Congrats Man,

    That’s a great feeling.

    Cheers
    R
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  • jeremymarcinko
    jeremymarcinko Posts: 3,785
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    Congrats!! I’m inspired.
    Oh, Listen here mister. We got no way of understandin' this world. But we got as much sense of this bird flyin in the sky. Now there is a lot that bird don't know, but it don't change the fact that the world is happening to him all the same. What I am tryin to say is, is that the course of your life, well its changing, and you don't even see it- Forest Bondurant
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  • txcoastal1
    txcoastal1 Posts: 13,132
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    Clipdat wrote: »
    Shopping for a grand piano?

    Now he can afford to learn how to play :)

    Congrats Joey
    2-channel: Modwright KWI-200 Integrated, Dynaudio C1-II Signatures
    Desktop rig: LSi7, Polk 110sub, Dayens Ampino amp, W4S DAC/pre, Sonos, JRiver
    Gear on standby: Melody 101 tube pre, Unison Research Simply Italy Integrated
    Gone to new homes: (Matt Polk's)Threshold Stasis SA12e monoblocks, Pass XA30.5 amp, Usher MD2 speakers, Dynaudio C4 platinum speakers, Modwright LS100 (voltz), Simaudio 780D DAC

    erat interfectorem cesar et **** dictatorem dicere a
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  • halo
    halo Posts: 5,616
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    Great accomplishment! Good on ya!

    So, in your sig, it says -> new speakers. Where can I demo a set of these "new speakers?" ;):p
    Audio: Polk S15 * Polk S35 * Polk S10 * SVS SB-1000 Pro
    HT: Samsung QN90B * Marantz NR1510 * Panasonic DMP-BDT220 * Roku Ultra LT * APC H10
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  • Joey_V
    Joey_V Posts: 8,519
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    Clipdat wrote: »
    Shopping for a grand piano?

    Yes!

    For the kids.

    My wife plays but I want to see how the 3 kids take it.

    We are looking at closing the deal on a baby grand with a player and silent and recording.

    https://usa.yamaha.com/products/musical_instruments/pianos/disklavier/enspire_st/index.html

    Magico, JL, Emm, ARC Ref 10 line, ARC Ref 10 phono, VPI, Lyra, Boulder, AQ Wel, SRA Scuttle Rack, Bluesound
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