Why I Don’t Regret Not Saving More for Retirement in My 20’s

Bars are where much of my money went

*Gasp* A personal finance blogger who doesn’t wish he’d saved more money in his 20’s?!? Yep, that’s me. And it’s not because I already saved a ton. Admittedly I didn’t – my savings rate through my 20’s was a paltry ~15% or so, give or take a few percentage points. Better than some, to be sure, but definitely nothing to write home about. Especially in the world of some personal finance bloggers who regularly save 70% or more of their income, 15% is laughable. For as much as I didn’t save for the long term, though, I did do a few things right. And I don’t regret putting retirement a bit on the back-burner. I Paid Off My Debts My […]

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What It’s Like As a One Car Family With a 26-Mile Work Commute

A 27 mile commute as a one car family is rough

You know, I love our house. It’s awesome, has great finishes, is exactly what Kristin and I wanted. There is plenty of room for visitors – and we just close the rooms off and shut the vents to keep utility costs on the space down. Our neighborhood is pretty awesome, too. It’s quiet, but we’ve got good friends who live close by. For all of the awesomeness, however, there’s one major drawback. I currently commute 26 miles to and from work each day. Yeah you read that right – 26 miles. The distance itself wouldn’t be so bad if it were just me, but Kristin and I share a car. (actually, it WOULD be that bad, but it’s even more […]

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My Hail-Dented Badge of Honor

Hail about this size damaged my car

If there’s one thing I’m distinctly not known for, it’s my knowledge of cars. My dad equipped my brother and I with a lot of information and life lessons while we were kids. However for all his hard work, handiness in general is somewhat of an enigma in our family. So it’s a bit surprising that despite not being known for my knowledge of cars, one of my defining possessions is my 2011 Hyundai Sonata. First(ish) Car I purchased my Sonata, used, in 2010 with about 7000 miles on it. I got a super shitty car loan; I didn’t know better, my credit was ‘meh’ due to my credit card debt from college, and I needed a new car anyway. […]

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Be Thankful

Remember to be thankful this Thanksgiving

As we celebrate Thanksgiving in the US tomorrow, it’s a time for us to reflect on the things in our life to be grateful for. As people who even have the ability to read this blog, you have a ton of privilege and opportunities that many others don’t have. This year, here’s a few things I’m thankful for: Health. Lots of people don’t have this luxury, but I’ve been extremely fortune to not have many major health issues. Noteworthy exceptions go toward my mouth (spoiler alert if I’m ever doing a “two truths and a lie” icebreaker) and my knees. Family and friends. The people in my lives that I hold dearest make everything better. To make this year even […]

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Life Lessons from Monopoly

Monopoly taught some great life lessons

Growing up, we used to play a fair amount of board games. I love board games for a number of reasons – a topic I’ll touch on later this year. They were great times to bond as a family, even if I lost more than I won. One of our favorites was Monopoly. Pretty much everyone’s familiar with Monopoly – especially now that there’s so many dang versions of it! Chances are you either like it or you hate it – I’ve met few people who are neutral about the game. Regardless of your personal thoughts on it, here are a few lessons I picked up from my years of playing. Free parking is FREE Alright first off let’s get […]

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Find Your Why

I found my why in London

Making big life changes can be scary. Often they push us to feel uncomfortable. In this discomfort – or even in the anticipation of it – we have two choices. We can either push through and follow these life changes, or we can decide to turn back around and follow the easier path. Familiarity is EASY. Without a compelling reason to be uncomfortable, it’s easy to resort to what you’re familiar with. Unless you find your why – the reason for why you’re actually, truly, making a life change – it’s even easier to follow the comfortable path. Finding your why is critical to solidifying the decisions you make. It can help you make the most of them and keep […]

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How We Dropped 35lbs For Our Wedding

When Kristin and I were looking at ourselves earlier this year, we realized that we needed to make a change. We switched up our diet, and started eating much healthier. I’ve written a little bit about it here before, but if you want a better story, check out my recent feature on Picky Pinchers blog. Here’s a little appetizer:   We were fat. Not like the cute kind of fat that babies get when they’re growing. The kind of fat that you get when you find true love and you just kind of … let yourself go. Okay, so neither my wife nor I were ACTUALLY fat, but at the beginning of this year, we realized we needed to make some changes. […]

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Paying Off $250,000 of Debt And Full Of Doubts

paying off debt

You guys! I have an awesome guest post this Friday from the one and only Mrs Picky Pincher. Mrs PP is a frequent reader of MwM and one of my favorite bloggers! Mrs. Picky Pincher is the blogger and money-saving maven at Picky Pinchers. She writes about paying off debt while living the good life.  Today she’s sharing a bit of her back story and some of the battles she and her husband have been going through on their journey to knock out a quarter million dollars of debt. Back in the summer of 2015, I was newly married and spectacularly clueless about money. Even though I was flushing my earnings down the toilet in the form of Starbucks and salon […]

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I Hate Starter Homes

When did it become uncool for a start home to be a forever home?

You know what really grinds my gears? Starter homes. Those “2 bedroom 1 bathroom homes perfect for starting a family!” It’s not that these houses are inherently bad. There’s nothing especially repulsive about them. And it’s not the house itself that I hate. It’s the term. This subliminal marketing that says “Eh, it’s a nice home for NOW, but you NEED something better. After all, this is just for starters, later you should get something bigger and better.” This thought that all families must expand, and everyone wants more space is just false. Non-Expanding Families At least here in America we’re obsessed, in general, with more space. Many construction companies will flat out turn down projects to build homes under […]

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Why We’re Going To Pay The House Off Early

Homes may not be a path to guaranteed wealth, but we're still paying ours off early.

Before we even signed on the dotted line to have our home built, Kristin and I knew we were going to pay off our house early. Ever since I paid off my car, I’ve avoided all debt. Kristin worked her ass off in college to avoid taking out student loans. It’s fairly accurate to say that in general we are pretty debt-averse. To us debt feels like it weighs us down, limits us, and just is another thing to think about. The less of it we can have, the better off we will be. But a mortgage is a different type of debt than we’d had in the past. It wasn’t credit card debt or a loan on a depreciating […]

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