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NWIL | I'm gathering you are similar to my age, give or take five years. Outside of that, I know only of what I've read you write on here over the years.
I just bought my first 80 this spring, was one of my goals when I came back to the farm, wanted to put my name in the plat book on some ground that was not family soil. I'll be paying on it for a long time to come, got it bought at I believe a fair price in the current market but certainly wasn't given to me. Really good piece of ground, fits in well with my existing operation, has a really good yield history, etc. And I've said many a time to my family and others, I'm not buying it for the wife and I, its for the kids (whether they farm or not is too be decided, there is plenty of years before they lock in their future).
It certainly reads like you are more aggressive then say I am. I'm all about keeping an eye on current and future opportunities and have jumped on some and turned down others, be it purchasing ground, renting ground, custom work, sidelines, internal investments, etc. I'm not the biggest farm locally, but don't really have that desire. Everyone is different in regards to what makes them tick, what makes them happy, what makes them comfortable, what makes them nervous, what their own goals at the end of the day, what their spouse/family goals are, and so on. What may cause me some stress is another walk in the park for some, what I take on could keep others up all night every night. It's all an individual pursuit. How one answers the previous also will likely change as one ages, operation evolves, family increases/decreases, financial status changes, and ones desires and interests develop. Personally I know my goals and priorities have changed from when I went all in farming to where I am now.
After all that writing the only advice I can say is to be honest with yourself and figure out which path would let you comfortably lay in bed at night, be the decision to sign the line or pass it by. I can't answer that, no one else can either, as we are not you. The financials are very important in this business in both capital investments and operating costs and play a huge part in the decisions we make, but at the end of the day one needs to decide if its a positive decision for ones own wellbeing.
Edited by j.p 8/19/2025 11:55
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