What The Hell Is An ESPP?

When I first saw the abbreviation ESPP, I didn’t even know what it was. Chances are if you haven’t run into one before, you probably don’t either. Yet it’s something that lots of folks have access to, even if they’re a bit uneducated about it. I’ve had about a dozen coworkers at previous companies ask about ESPP’s, and if it makes sense for them. Let’s clear a few things up, then see if it’s something you’re interested in. What is an ESPP? ESPP stands for Employee Stock Purchase Plan. There are a few different ways they can be structured, but most typical is allowing you to use post-tax money to buy company stock, typically at a discount. These are called Qualified ESPP’s. […]

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What’s Early Retirement, anyway?

I hear people talking frequently about early retirement and it got me thinking – just what is early retirement? “Real” Retirement Well, let’s start with something not so ambiguous: what the government considers retirement. If we’re taking a look at Social Security, the minimum age you’re eligible for collecting is 62 – albeit with some penalties – with the “proper” age being 66. You’ll get more from Social Security if you hold off on it, with benefits increasing up until you’re 70. With that in mind, anything before 62 could be considered “early”. But for the sake of dreaming (I don’t want to be working at a regular job in 30 years) let’s think about something a bit more extraordinary. “Unnaturally Early” Retirement Many […]

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How To Deal With Getting Laid Off (And 5 Things To Do To Prepare For It)

Getting laid off sucks. No matter how much you may like or hate your job, there’s rarely a good time to suddenly and unexpectedly lose an income you had counted on. Thankfully, you can – and should – prepare for the unexpected to make it suck a little less. I got laid off in early 2017, and it came totally out of the blue. I was working at a job at a start-up that I had been at for just under a year, making significantly more money than the “secure” job I previously had. I was working with great people (for the most part), and doing something I really, really enjoyed. Unfortunately due to some leadership changes, the company structure shifted and, […]

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5 Things To Talk About Before Getting Engaged

Getting engaged is a big deal - almost as much as these PJ pants.

Getting engaged is exciting. As you announce your news to the world, people celebrate the love you’ve found with each other and you get to think about your future. Finding that person you want to spend your life with is not exactly an easy task. But it’s also ranked #7 on the Holmes and Rahe Stress Scale, which ranks life events in relation to how much they stress us out and impact our overall health. Making sure you’re on the same page with what you want in your future – from simple things like what colors you want at your wedding to more personal and potentially challenging conversations like the decision to have or not have children – will help […]

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Budgeting 101: The 50/30/20 Budget

Ah yes. The dreaded “B” word. A seemingly simple task that many of us just avoid talking about. In fact, according to a Gallup Poll, only about a third of American households make a budget. With so few of us having a grasp on what’s coming in and out each month, it’s unsurprising that so many Americans are also in debt. Budgeting is more than just passively tracking your expenses and your income; a good budget balances life’s necessities with short and long-term goals, along with a bit of extra fun. Besides, what’s the point in earning money if you can’t enjoy any of it? The key, as they say, is moderation. A simple but effective method to budgeting is the […]

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Welcome to Married With Money!

Hello! Welcome to Married With Money. Here’s a brief into of me and a bit of background into my journey and why I’ve decided to start a finance blog. About Dave My growing interest in personal finance and all money-related things began when I was in college. I went to school for Information Systems and landed a decent-paying job right out of school. I was fortunate, but like a lot of college kids, I graduated with more credit card debt than I wanted. I vividly remember talking with three of my best high school friends on a vacation to Florida right after we graduated in late May 2010. I was the only one with a job lined up at the […]

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