Tax Returns: Nothing, a new DAC or... ?


Hello Audiogoners,

Tax season is upon us and perhaps for the second time ever I have filed my taxes on time.  My choices are:

  • Clear out my credit cards
  • A new DAC

I currently have a Mytek Brooklyn (orignal version) and am thiniking of a DAC which is a Roon endpoint, with a $5,000 budget.  I've never heard the Manhattan, or the Bricasti M5 but they are in my price point and feature set.

I really really like the Mytek Brooklyn .... but do you think in this price range I could find something that would make me pull out my card?

Or do I save my money and prepare for the end of days??

erik_squires

Nuke the cards.

Been without any credit for 13 years, and got our business and affairs in order.

If we couldn't swing something, it went on standby until we could.

Audio went to the bottom of the list, so I got more flexible about what I could do:

The improbable with next to nothing.

More later, if I want to rant @ you....dinners' ready. ;)

OK, one thing is clear, this thread has turned into a  "how much do you hate credit card" thread and I'm completely here for it!

@erik_squires ..*L*  I don't hate them, per se...  But...

We had cards, once upon....2 years into our business venture, trying to make it into Our Version of what it could be, employees, work picking up, working hard at making it move...

And then the market decided to crap on all of us.

Phone didn't ring for over a month.

I ended up filing personal bankruptcy to shield the biz.

Since we were 'too new' with not a good 'track record' for the biz, the bank shrugged.  It got real tight for longer than we cared for, let everyone go.

Spouse, self, and the pets were It.  Only the improved quality of our work, the improved attitude we brought to it and some lucky happenstance pulled us through.

In the next two weeks we complete the largest commercial contract to date, high profile, and 6 figures.  The design firm remarked that we're the most pleasant firm of our sort to work with on a 'difficult project'.

Difficult, yes.....but we're used to 'punching back'. ;)

Zero the cards, bring down anything else you can while you're at it.

Lean the carbs on your lifestyle for awhile....go frugal, it won't hurt that much.

Wait....see what the near future entails.

Maybe that DAC or whatever current lust entails may show up 'substantially reduced' later...and since you've got 'this 'n that' you're calling surplus, move it NOW.

Pause the ceiling GIK, unless the surplus is '+ enough'....or just 'cheap out' for the time being.

Of course, you're free to do what you might....🤔

My concern is that of the cornered animal that has nowhere to go but through you...or us....if one gets my drifty drift....😔

Our bank remains 'unhelpful', even now.

We remain just for the convenience and their current decent level of service.

I suspect that cryptocurrency will end up in a crypt.

But...like the 'market', all are bets in the final analysis...

Take care out there.

Regards, Jerry