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”


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”

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: The Dreaded Mortgage


This whole mortgage thing started a few years ago.  I got tired of apartment living, and wanted to find a reasonably sized and priced house for one person.  The tiny house movement seemed pretty appealing.  But I would’ve had to find or build one, then find land to put it on.  Too much work.  One day, I just happened to get lucky.  Found a small house, less than 1000 sq. ft. of living space, a garage, a nice sized backyard, in a decent neighborhood.  It’s the smallest model, and one of the few sprinkled throughout my subdivision. Continue reading “2018 Year-End Evaluation: The Dreaded Mortgage”