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Owned by Doug

All Things Sailing

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We help the sailing community to improve their sailing skills and confidence. A place for learning and asking questions. “Skippers appreciate skills”

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11 contributions to Credit Avenger Academy
Welcome back Natalie Duncan
Let's give a warm Avenger's Welcome to @Natalie Duncan
Welcome back Natalie Duncan
3 likes • 12d
So you were the last to know. Ha Ha
Cost of Living vs Paycheck
I was reading an article that contained the infographic below. It compares US vs China cost of living. Most people compare countries by prices… but that’s only half the story. The real question is: How much money do you have LEFT after the bills hit? Example using real cost-of-living math: 🏠 Rent + ⚡ Utilities + 🌐 Internet + 📱 Phone When we compared two places with very different prices, one place looked cheaper, but the other place had WAY more leftover money because the paycheck was bigger. What is the lesson? Cheaper stuff doesn't always mean cheaper living. Your salary has to be strong enough to carry the load. 🔥 CTA: If you could live ANYWHERE in the world (money aside)…where would you prefer to live and why?
Cost of Living vs Paycheck
5 likes • 18d
Canada. For no other reason than that is my home. LOL
Finn just dropped a truth bomb at the dinner table
Finn just dropped a truth bomb at the dinner table…My son Finn came home and said: "You know, Dad… humans are the only animals on the planet that have to pay to live here." And listen… I wanted to argue. I tried. But my brain played the Windows shutdown sound. Because he's not wrong. A bird doesn't pay rent. A deer doesn't have a car note. A raccoon isn't getting collection calls like: "Hello, sir… we see you owe $437 for Dumpster Usage Services." But humans? We pay for everything: ✅ Shelter✅ Food✅ Water✅ Heat✅ Transportation✅ Peace and quiet✅ And apparently air if you live in the wrong city Here's the part most people don't realize: The system isn't designed to teach you how money works. School taught us how to be: 1. a good citizen 2. a good worker 3. a good consumer But not how to build a plan, protect your credit, or escape the paycheck-to-paycheck hamster wheel. So if you've ever felt like: "I'm doing everything right… Why am I still drowning?" You're not broken. You're just playing a game you were never taught the rules to. That's why Credit Avenger exists. To help you stop surviving… and start taking control. Because yeah… we gotta pay to live here…but we don't have to stay stuck paying forever. Question for the community: If money worked the way it SHOULD, what would be different in your life right now?
3 likes • 25d
Finn is wise beyoud his years it would appear.
2 likes • 25d
@John Pogue Well placed my friend.
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4 likes • Jan 6
Got your back
3 likes • Jan 1
@John Pogue that’s just showing off. Tee shirt and flip flops. Here we have temperatures in the minus zone. Ya I’m jealous. Ha Ha
1 like • Jan 1
@John Pogue Hate to say but mid 50s would be a treat.
1-10 of 11
Doug Rutherford
3
23points to level up
@doug-rutherford-3364
I am a passionate sailor with over 40 years of sailing experience. To share my skills is my main objective.

Active 5h ago
Joined Dec 20, 2025
Kelowna, BC. Canada
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