Skip to main content

Let's Money That! What This Blog is About

 We married in 2012. I believe our current financial status is partially a result of the timing of our engagement and marriage. The housing market had bottomed out in the Bay Area and the timing was such that as we bought, we rode the wave of appreciation for the last eight years. The same happened with the stock market. However, intentionality, goal-setting and monitoring our expenses played a crucial part in growing our wealth and using the bull markets to our advantage. This blog is to share our experiences and to give insight into strategies that have worked for us. We have not hit our absolute FI Number in liquid investable assets yet, for the standard of living we would like to have, but we are well on our way. This blog explores where we've been and will explore and analyze strategies to continue to the finish line. 

The commencement of our intentionality is when the wealth really began to grow. As we witnessed this by tracking our expenses and net worth, we realized what is possible and were encouraged to continue our pursuit. The goals change: as we meet one, it's time to move forward to another (first, pay off all debt and the mortgage, then max out retirement accounts until we reached 1 million invested in the stock market, next, move on to real estate and other passive income streams, etc). 

This website is not financial advice for you. It is merely a recounting of our own experience and a retelling of how it happened. Times change and personal finance should be different for everybody. Everyone's circumstances and, thusly, needs will vary. Hopefully this blog will be encouraging for others in that financial security and, ultimately, freedom are achievable.

Shoot for the stars! You just might land on the moon.

Labels:

Comments

Post a Comment

Popular posts from this blog

Hoping for the Best, Preparing for the Worst: Planning Our Finances

My husband is not really a "financial planner". He's not much of the "be prepared" type. He likes to keep things stocked up for work projects or to use to build something from for the kids, but he's not one to think of worst-case scenarios and prepare for it. I didn't realize I was that way, until we had children. I guess that's mother-hen or mama bear coming out, because it came out with a vengeance!  We've been fortunate that we've never been in a position where we couldn't pay something since we've been married. But, much of that was because I was paranoid about not being able to pay something. I had a credit card bill being sent to the wrong address one time, on a card I had forgotten about, from a well-known department store, to get the discount. Well, that late fee made me realize I never wanted to feel that on a larger scale, ever. Again. It was a minor fee and was really not a big deal. I canceled the card after paying the fee...
Post a Comment
Read more

Let's Money That! Setting Ourselves Up to Live the Dreamy Things!

 During Covid Lockdown/Armageddon, we moved into our dream home, to do dreamy things in the dreamy mountains, on dreamy lakes, in the dreamy woods and to dream the dreams! Granted, we were already planning on moving, but we moved it forward by two or three months to get out of our little 1950s shoebox tract home with a small lot in a fairly densely populated Peninsula town in the Bay area to a resort mountain town in North Lake Tahoe. We had been dreaming for a couple of years of moving to the Sierras and enjoying all the beautiful mountains have to offer. We love to camp, kayak and stand-up paddle, hike, backpack, ski, sit under the trees or next to a rushing river, go hunting for waterfalls, etc. We find it exhilarating, energizing and life-giving. Our minds slow down and live in the moment, taking in every smell, sound and breath of wind. Our bodies reward us after a hard paddle or tough climb up the trail. And all of the worries and angst of society, melt away with the snow rus...
Post a Comment
Read more

Let's Money That! My Financial Education

  I grew up in a small town in Texas, my mother was a stay-at-home mom and my father began as a hired-hand for his uncle, progressing to leasing farmland to farm, then finally a seed salesman for farmers, later expanding that business to a farm equipment servicer.   I never knew this while we were little, but mom told me recently we qualified for free lunches at school in the late 1980’s and 1990’s. I never felt like we were that poor. I knew things were tight, but I don’t remembering feeling poor. There was always talk about “thrift”. We would go with mom and my grandmother to garage sales on Saturdays (they loved it!) and we found some good hand-me down toys that way. We didn’t need much, anyway. We had bikes, roller skates, rollerblades, a dog, some cats and kittens, so we were plenty entertained. I loved watching the baby kittens being born and mama cat cleaning them up. I loved watching them stumble around with their eyes closed for several days. We had a great childhood....
Post a Comment
Read more