Wells Fargo, We Need to Talk

Well then get your sh*t together.

Get it all together and put it in a backpack, all your sh*t, so it’s together.

And if you gotta take it somewhere, take it somewhere, you know?  Take it to the sh*t store and sell it, or put it in a sh*t museum.  I don’t care what you do, you just gotta get it together.

Get your sh*t together.

Morty Smith, Rick and Morty

Continue reading “Wells Fargo, We Need to Talk”


Is Debt Really So Bad?

Bagged labeled debt crossed out

Over the past 3 months, I have read and watched hundreds of personal finance articles, forum threads, and YouTube videos.  Now that I think about it, most of these articles and videos have been about becoming debt free and/or living an extremely frugal lifestyle.  Paying off all debts is a noble goal.  Many are unable or unwilling (consciously or subconsciously) to do it.  I talked about applying Dave Ramsey’s baby steps to my life here, simply because, after reading and watching some of his work, I realized that was a path I was already kind of following.  But depending on the debt, how important is paying it off as quickly as possible, and is it worth prioritizing? Continue reading “Is Debt Really So Bad?”

Taking Action: Dave Ramsey’s 7 Baby Steps Applied

Baby shoes

Let me preface this by saying, I have no idea what I’m doing when it comes to finances. I’ve never had a plan, never written anything down, and only started caring and researching in earnest during the last 3 or 4 months. With all the different so called financial gurus, personal finance blogs, YouTube channels, and so on, I’m feeling more lost than ever. I like to think I’ve done well up until this point, but what if I can do better? What do I do next? Where do I start? Continue reading “Taking Action: Dave Ramsey’s 7 Baby Steps Applied”

Mortgage Recast #2: $130 Monthly Mortgage Payment


I’m not really sure why I care so much about paying down and paying off my mortgage. I intentionally bought the nicest, most reasonably priced and sized home that I could find. In my case, my mortgage, various insurances, and property taxes combined are less than the last one bedroom apartment I rented. So what’s the big deal? Continue reading “Mortgage Recast #2: $130 Monthly Mortgage Payment”

2018 Year-End Evaluation: Finally a Positive Net Worth


Alright, alright, alright… here we go. This, I don’t want to do, but I know it’s in my best interest. My total debt vs total assets and savings. I guess this is my net worth. I’ll type this as I look at everything and add it up. My finances aren’t very complicated, so this should be fairly short and to the point. Let’s start with the good. Continue reading “2018 Year-End Evaluation: Finally a Positive Net Worth”

2018 Year-End Evaluation: Retirement – I’m So Far Behind


6 years of full-time work, $30k in retirement accounts to show for it. Things could be worse. 30 is better than 0, so there’s that. Truth is, I didn’t care about retirement 6 years ago, and I still maybe halfway care now. The world is a crazy place. I might not even make it to retirement, so why not blow all my money now, while I’m kind of young? Right? Right? Continue reading “2018 Year-End Evaluation: Retirement – I’m So Far Behind”