There are two reasons I haven’t written about money or our personal finances before. First, I felt like I was gloating, though I wasn’t. It’s just that we’re in a good place financially, and while I’d like to share some tips and my steps for how we got here, I felt like it was improper. Second, I haven’t written about money because I didn’t have all that much to say. I can list my steps, but that’s about it.
My first draft, written months ago on this topic, was long and annoying. I hated it, so I never published it. I’m not even rewriting it now–instead, I have some new things to say, and they might actually be worthwhile.
Here’s the bottom line: April and I do quite well financially, and we do that despite making less money than most everyone we know. Well, maybe not “everyone,” but we make less than a lot of people, especially those I work with. ((To clarify, I’m not saying we “do better” than everyone, either. Part of my perception is that we define comfort differently, so the sort of lifestyle that is nice to us is “unacceptable” to others. I tend to think those others might need to reevaluate their priorities, but that’s neither here nor there. All I’m trying to say is, we feel pretty comfortable with our current life, and I know a lot of people who make more money but are less comfortable. My implication throughout the series is that this is because they don’t manage their money well.)) I suspect we will continue to do quite well, and while we probably won’t be winning any hypothetical contests, we’re alright. Others will have more than us, but we’re reasonably comfortable, and that’s worth something.
I’m learning how to invest and manage our money, and we’ve got a solid financial plan for the next ten years or so. As I start to think and talk more about finances, though, I keep having advice thrown at me. This advice is well meaning, but it’s also annoying, and I want to address that too.
So it’s now Financials Week here at SilverPen Pub. Feel free to tune out if you want (I’m sure April will, since she has to hear about this stuff all the time), but I’d really encourage you to join the discussion. Share what works for you, and let me know if there’s something more you’d like to hear about.
Stay tuned to read more about investing, Mint.com, Dave Ramsey, and what works for us.