Let’s get to know each other.

Get excited y’all cause it’s time we participate in another “get to know each other” exercise today. You remember those pesky elementary school quizzes where your teacher would give you a sentence that had a blank space in the middle of it? You were suppose to pick which word best fit in the blank space to complete the sentence?

Well, I figured we could bring out the 3rd grader in us, and do something similar. Whadya say…are you down like a clown from China town?

Please read the following paragraph…

Hi, my name is blank. I currently work as a blank and make around blank per year. I really blank my job. The scariest thing to me about personal finance is blank. If I had a financial do-over I would go back and blank. One thing most people don’t know about me is blank. I think that blank is/are the coolest thing since sliced bread. Twelve months from now, I hope to be blank. The most non-mortgage debt I’ve ever had was blank and today I have blank amount of debt. Okay, enough of this silly paragraph, it’s time I go blank so I can blank.

Now, copy and paste that paragraph in the comments section below and replace all the blanks with words of your choice. You can fill out as much (or as little) of the paragraph as you want. Here’s my completed fill in the blank…

Hi, my name is Ninja. I currently work for your Uncle Sam and make around $80k per year. I really enjoy my job. The scariest thing to me about personal finance is buying a house. If I had a financial do-over I would go back and not have majored in Psychology. One thing most people don’t know about me is I sweat profusely from my armpits before public speaking… like an obscene amount! I think my calculator watch is the coolest thing since sliced bread. Twelve months from now, I hope to be in a bigger place. The most non-mortgage debt I’ve ever had was $28K and today I have NO debt. Okay, enough of this silly paragraph, it’s time I go to bed so I can wake up and read all your fun responses.

Your turn….

80 thoughts on “Let’s get to know each other.

  1. Hi, my name is lenelein. I currently work as a PhD student in Biology and make around 20K Euro per year. I really love my job. The scariest thing to me about personal finance is that my savings now are responsible for my future wellbeing. If I had a financial do-over I would go back and learn how to manage my money earlier. One thing most people don’t know about me is that I waste much time online. I think that sewing is the coolest thing since sliced bread. Twelve months from now, I hope to be a PhD with an acceptable grade and employed. The most non-mortgage debt I’ve ever had was 600 Euro and today I have zero amount of debt. Okay, enough of this silly paragraph, it’s time I go to work so I can write my Thesis.

  2. Hi, my name is Andrea. I currently work as a freelance web designer and make just enough to pay my bills, save a little, and remain self-employed. I really love my job (most of the time). The scariest thing to me about personal finance is trying to catch up after a lot of mistakes when I was younger. If I had a financial do-over I would go back and stop myself from ever getting a credit card. One thing most people don’t know about me is that I never thought I could make it as a freelancer and I still worry constantly even though my finances are stable. I think that my son is the coolest thing since sliced bread. Twelve months from now, I hope to be doing at least as well with my business as I am today, if not better. The most non-mortgage debt I’ve ever had was my student loans and today I have $50k of debt – boo! Okay, enough of this silly paragraph; it’s time I go sleep so I can start working again in a couple of hours.

  3. Hi, my name is Johannes. I currently work as a junior SAP-consultant and make around 24k Euro before taxes per year. I really like my job. The scariest thing to me about personal finance is that my significant other wont save with me. If I had a financial do-over I would go back and stop myself from buying so much DVDs. One thing most people don’t know about me is that I had debt for some years. I think that zero based budgeting is/are the coolest thing since sliced bread. Twelve months from now, I hope to be not living in my parents home. The most non-mortgage debt I’ve ever had about 3k euro credit card debt and today I have 0,00€ amount of debt. Okay, enough of this silly paragraph, it’s time I go back to work so I can work.

  4. Hi, my name is Phoebe. I currently work as in technology and make around $171,000 per year. I really enjoy my job most of the time. The scariest thing to me about personal finance is trying to define “enough” and wondering if I’ll ever be able to pull the trigger and retire early once I get there. If I had a financial do-over I would do the exact same thing, Yes, it sucked getting into huge credit card debt but if I hadn’t I think I would have coasted through a typical consumerist lifestyle. That mistake woke me up and I’m grateful. One thing most people don’t know about me is that we have a networth of over $300K (only my blog readers know that, no one I know in real life). I think that dollar cost averaging is the coolest thing since sliced bread. Twelve months from now, I hope to be pregnant. The most non-mortgage debt I’ve ever had was $65K and today I have none. Okay, enough of this silly paragraph, it’s time I go shower so I can be presentable.

  5. Hi, my name is Buelz. I currently work as an HR Manager and make around 75,000 per year. I really LOVE my job. The scariest thing to me about personal finance is not having enough for retirement years. If I had a financial do-over I would go back and learn about PF at a younger age. One thing most people don’t know about me is that I sometimes lie about my dave ramsey baby steps. I think that cats are the coolest thing since sliced bread. Twelve months from now, I hope to have way more savings than we do now. The most non-mortgage debt I’ve ever had was $30,000 and today I have no amount of debt (just acheived yesterday!) Okay, enough of this silly paragraph, it’s time I go work so I can earn some bank!

  6. Hi, my name is T. I currently work in Marketing and make around 45K per year. I really think my job is OK . The scariest thing to me about personal finance is retirement. If I had a financial do-over I would go back and stay in NY State where my college tuition was free. One thing most people don’t know about me is I had a very rough childhood. I think that instant anything (rice, potatos, coffee) is/are the coolest thing since sliced bread (I did not say they taste good I just said it’s cool). Twelve months from now, I hope to be as happy as I am today. The most non-mortgage debt I’ve ever had was 20K student loan and today I have 0 (not counting mortgage or 158K with mortgage – my house is worth 210K) amount of debt. Okay, enough of this silly paragraph, it’s time I go back to work so I can pay bills.

  7. Hi, my name is Jennifer. I currently work at a major food company and make around $100k per year. I really appreciate my job but would like to do something else at some point in the near future. The scariest thing to me about personal finance is not knowing if I’ll have enough to retire and not have to eat cat food. If I had a financial do-over I would have rented instead of buying a house (2 separate times where I lived somewhere for a short time). I think that dogs are the coolest thing since sliced bread. Twelve months from now, I hope to be in better shape (physically). The most non-mortgage debt I’ve ever had was ~$40k and today I have only my mortgage. Okay, enough of this silly paragraph, it’s time I get off the internet so I can work.

  8. Hi, my name is Dani. I currently work for a company that makes satellites and make around $65k per year. I really think my job is ok, but it’s changing, so that’s exciting. The scariest thing to me about personal finance is selling a house. If I had a financial do-over I would go back and not have bought my house or used credit cards. One thing most people don’t know about me is I have a real fear of public speaking! I think my iPad is the coolest thing since sliced bread. Twelve months from now, I hope to be married. The most non-mortgage debt I’ve ever had was $40K and today I have 20 in debt. Okay, enough of this silly paragraph, it’s time I go to get to work so I can continue paying down my debt.

  9. Hi, my name is Emily. I currently work as a resident physician and make around $45,000 per year. I like my job, but would prefer better hours. The scariest thing to me about personal finance is disability and what would happen if I couldn’t do my job. If I had a financial do-over I would go back and save more money in college. One thing most people don’t know about me is how infrequently I shave :). I think that my cat is the coolest thing since sliced bread. Twelve months from now, I hope to have completed a kitchen remodel. The most non-mortgage debt I’ve ever had was $108,000 and today I have $106,000 (all student loans). Okay, enough of this silly paragraph, it’s time I go pack so I can go on vacation!

  10. Hi, my name is Elly. I currently work as a Librarian and make around 50k per year. I really need my job. The scariest thing to me about personal finance is having so much to save for: retirement, a house, and maybe some fun someday. If I had a financial do-over I would go back and work more during college so I would have less student debt. One thing most people don’t know about me is that I sometimes wish I had a job that required no brainpower whatsoever. I think that books are the coolest thing since sliced bread. Twelve months from now, I hope to be sitting on a $10,000 emergency fund and have half of my car paid off. The most non-mortgage debt I’ve ever had was over $40,000 and today I have $28,000 amount of debt. Okay, enough of this silly paragraph, it’s time I go brush my hair so I can go to work.

  11. Hi, my name is Austin. I currently work as an IT Consultant and make around 90k per year. I really am thankful to have my job. The scariest thing to me about personal finance is wondering if we can afford our twins about to be born. If I had a financial do-over I would go back and buy a slightly used car instead of a brand-new one. One thing most people don’t know about me is I enjoy singing. I think that cigar humidors is/are the coolest thing since sliced bread. Twelve months from now, I hope to be raising twin girls and working hard so my wife can stay home with them. The most non-mortgage debt I’ve ever had was 25k (student loans and a car note) and today I have 230k (mortgage) of debt. Okay, enough of this silly paragraph, it’s time I go work so I can not get in trouble.

  12. Hi, my name is Emily. I currently work as a web designer at a large university and make around 75K per year. I really like my job. The scariest thing to me about personal finance is never being free from student loans (husband is still in school earning his undergrad, he wants to get his doctorate), and not being able to save money for a down payment on a house. If I had a financial do-over I would go back and change my major so I could get started in the right career earlier, AND start contributing to retirement in my first job, not 2nd. One thing most people don’t know about me is I think I want to be a farmer one day. I think that partitioned savings accounts are the coolest thing since sliced bread. Twelve months from now, I hope to be married to a college graduate, paying off his student loans, and well on our way to saving for a down payment. The most non-mortgage debt I’ve ever had was my student loan which was $35K, which I paid off about a year ago, and today I have about $20K (and growing every day) of debt in my husbands student loans. Okay, enough of this silly paragraph, it’s time I go back to work so I can earn some more $$.

  13. Hi, my name is Amy. I currently work for a law firm and make around $49k per year. I really am tired/burned out by my job/career. The scariest thing to me about personal finance is making sure my early retirement calculations are correct. If I had a financial do-over I would get a job with the government so I could retire after 25 years! One thing most people don’t know about me is how good I am with money. I think my husband is the coolest thing since sliced bread. Twelve months from now, I hope to be 6 months from early retirement/sabbatical. The most non-mortgage debt I’ve ever had was $25K (car) and today I have NO debt. Ok, enough of this silly paragraph, it’s time I go back to work so I can earn some more money.

  14. Love this!

    Hi, my name is Michelle. I currently work as a financial valuation analyst and make around 6 figures per year. I really like my job. The scariest thing to me about personal finance is NOTHING – I enjoy personal finance very much and take everything as it comes. If I had a financial do-over I would go back and study photography. One thing most people don’t know about me is that I’m full of useless facts and can ramble on about ANYTHING. I think that my dogs are the coolest things since sliced bread. Twelve months from now, I hope to be in my new house. The most non-mortgage debt I’ve ever had was $38,000 in student loans and today I have a small amount of debt (I’m hoarding all of my cash until my student loans come out of deferment and then I will just pay them all off). Okay, enough of this silly paragraph, it’s time I go work so I can make the moolah.

  15. Hi, my name is Johnny. I currently work as a copywriter at an ad agency and make a decent salary for being three years out of school. I really love/hate my job. The scariest thing to me about personal finance is that my family’s wellbeing depends on it. If I had a financial do-over I would go back and spend more money traveling while I wasn’t chained down to adult responsibilities. One thing most people don’t know about me is that I get nervous for the actors/actresses in plays/musicals—so I don’t go. I think that Spotify is the coolest thing since sliced bread (or Napster). Twelve months from now, I hope to be getting more than four hours of sleep every night. The most non-mortgage debt I’ve ever had was $20,000 and today I have $0 of debt. Okay, enough of this silly paragraph, it’s time I go watch some cat videos on YouTube so that I start my day off right.

  16. Hi, my name is Any.(sorry not giving my name out) currently work as a unemployed college student and make around 5k per year. I really hate my job. The scariest thing to me about personal finance is trying to pay my bills. If I had a financial do-over I would go back and tell my parents to invest in netflix/google. One thing most people don’t know about me is I dream of being a writer I think that my cat is/are the coolest thing since sliced bread. Twelve months from now, I hope to be employed and in better physical shape. The most non-mortgage debt I’ve ever had was $9000 and today I have $9000 amount of debt. Okay, enough of this silly paragraph, it’s time I go close the laptop so I can fall asleep..

  17. Hi, my name is Jenny. I currently work as a land use planner and make around $60,000 per year. I really appreciate (don’t love it, but recognize there are lots of perks) my job. The scariest thing to me about personal finance is never being able to retire. If I had a financial do-over I would go back and buy pet insurance. One thing most people don’t know about me is I love to dance but have always been afraid to take a real dance class. I think that bars that allow dogs are the coolest thing since sliced bread. Twelve months from now, I hope to be paying off my car loan. The most non-mortgage debt I’ve ever had was $20,595 for my car last July and today I have $17,000 amount of debt. Okay, enough of this silly paragraph, it’s time I go check facebook so I can peer into other people’s (fake) lives..

  18. Hi, my name is Stephanie. I currently work as a researcher at a university hospital and make around 75K per year. I really dislike my job. The scariest thing to me about personal finance is investing. If I had a financial do-over I would go back and choose a different course for grad school and gone to law school rather than for family therapy and I would have stayed in our old house and not jonesed up to our current one. One thing most people don’t know about me is that I love to shop at thrift shops for my family’s clothing. I think that my iphone is the coolest thing since sliced bread. Twelve months from now, I hope to be a landlord. The most non-mortgage debt I’ve ever had was 60k and today I have 9k amount of debt – most of it is low interest consolidated student loans. Okay, enough of this silly paragraph, it’s time I go warm up in my subzero office so I can work.

  19. Hi, my name is Brian. I currently work as a government contractor and make enough per year. I really feel indifferent about my job. The scariest thing to me about personal finance is nothing (I’m stealing this from Michelle and agree, I really do enjoy all aspects of it). If I had a financial do-over I would go back and become a pilot instead of an engineer. One thing most people don’t know about me is I have dual citizenship because I was adopted. I think that Legos are the coolest thing since sliced bread. Twelve months from now, I hope to be purchasing my first rental property. The most non-mortgage debt I’ve ever had was 30K grad school loan and today I have 10K left with no plans to pay it off early due to an extremely favorable interest rate. Okay, enough of this silly paragraph, it’s time I go space out so I can look busy.

  20. Hi, my name is Matt. I currently work in Client Services and make around 46,500 per year. I really enjoy the experience I have gained from my job. The scariest thing to me about personal finance is caring for my wife and future kids; I don’t want to let them down. If I had a financial do-over I would go back and spend less while I was single, and bank as much money as I could before getting married. One thing most people don’t know about me is I am a sucker for chick flicks. I think that record players are the coolest thing since sliced bread, even though they are ancient. Twelve months from now, I hope to be making 60,000 a year. The most non-mortgage debt I’ve ever had was 35,000 and today I have 15,000 amount of debt. Okay, enough of this silly paragraph, it’s time I go back to work so I can keep my job.

  21. Hi, my name is Jen. I currently work as a Stay at Home Mom and make around 0 per year. I feel really grateful to have my job. The scariest thing to me about personal finance is the uncertainty of the stock market. If I had a financial do-over I would go back and maybe not bought a large home. One thing most people don’t know about me is that I am obsessed with money. I think that money blogs are the coolest thing since sliced bread. Twelve months from now, I hope to have a net worth increase of $50-60,000. The most non-mortgage debt I’ve ever had was 27,000 and today I have 0.00 amount of (non mortgage) debt – have a large mortgage (s). Okay, enough of this silly paragraph, it’s time I go run on my treadmill… so I can be healthy!

  22. Hi, my name is Chris. I currently work as a compliance officer for a company that does sleep studies for truck drivers and make around $30,000 per year. I really dislike my job and can’t wait to find a new one that better suits my career interests. The scariest thing to me about personal finance is the self-discipline it requires, but that has been my main goal for the last 6 months. If I had a financial do-over I would go back and not open my current credit card, not purchase the brand new car even though we could afford the monthly payments, and start saving for a down payment much earlier. One thing most people don’t know about me is that I was born in Alaska. I think that smart phones are the coolest thing since sliced bread. Twelve months from now, I hope to be purchasing my first home. The most non-mortgage debt I’ve ever had was $48,000 and today I have $42,000 of debt. Okay, enough of this silly paragraph, it’s time I go back to work so my boss doesn’t see me not working.

  23. Hi, my name is Jolie. I currently work as a educator and make around $55K per year. I really enjoy my job (most of the time). The scariest thing to me about personal finance is how much of my life I spent being money ignorant. If I had a financial do-over I would go back and kick my @ss and tell myself to pay attention to $. One thing most people don’t know about me is I am a huge history buff . I think that my keurig is the coolest thing since sliced bread. Twelve months from now, I hope to be in a new position and surviving being the mom of a graduate. The most non-mortgage debt I’ve ever had was $38K (I think) and today I have $4500 of debt (not including mortgage). Okay, enough of this silly paragraph, it’s time I go be astounded at the number of telemarketers that call the house during a week day.

  24. Hi, my name is Ashley. I currently work as a Marketing Manager and make around $55k per year. I really like my job. The scariest thing to me about personal finance is raising children. If I had a financial do-over I would go back and understand my college financing options. One thing most people don’t know about me is that I’m really into personal finance. I think that spreadsheets are the coolest thing since sliced bread. Twelve months from now, I hope to be planning my wedding. The most non-mortgage debt I’ve ever had was almost $100k in private college undergrad student loan debt and today I have $69k amount of debt. Okay, enough of this silly paragraph, it’s time I go back to work so I can punch my debt in the face.

  25. Hi, my name is Carolyn. I currently work as a non profit accounting clerk and make around $33k per year. I really feel like I just settled for my job. The scariest thing to me about personal finance is living paycheck to paycheck for the rest of my life. If I had a financial do-over I would go back and not sign up for 6 months of college, giving me 10K in debt and nothing to show for it. One thing most people don’t know about me is although I keep to myself and appear stuck up I am very compassionate and like most people. I think that blank great books are the coolest thing since sliced bread. Twelve months from now, I hope to be thinner, richer, and happier. The most non-mortgage debt I’ve ever had was 26k and today I have 17k of debt. Okay, enough of this silly paragraph, it’s time I go back to work so I can earn my measly paycheck.

  26. Hi, my name is Emily. I currently work as a grad student (pursuing a PhD in biomedical engineering) and make around $25k per year. I really try to treat my schooling as my job. The scariest thing to me about personal finance is the uncertainty of the taxation system decades down the line. If I had a financial do-over I would go back and make all the same mistakes again. One thing most people don’t know about me is that I’m as into nutrition as I am into PF. I think that my water bottle is the coolest thing since sliced bread. Twelve months from now, I hope to be living apart from my husband, because that will mean he is doing an awesome postdoc in an awesome city. The most non-mortgage debt I’ve ever had was $20k and today I have no debt (sort of). Okay, enough of this silly paragraph, it’s time I go into the cleanroom so I can cure some polymers.

  27. Hi, my name is Jessi. I currently work as a emergency medical technician (EMT) and make around 26K per year. I really love my job but sometimes it makes me hate society and some of the people we have in it – when someone calls at 3am for a stubbed toe and “requires” a trauma center 45 minutes away and I HAVE to take them because they called 911 and I can’t refuse treatment, I want to not live on this planet anymore (and yes, that is a true story – less than 3 months ago). 😉 The scariest thing to me about personal finance is the constant up’s and downs – sometimes I actually have a small amount of savings and then something happens and bam – I’m right back to paycheck to paycheck and it’s frustrating. If I had a financial do-over I would go back and have stayed in PA at a state-school where my tuition would have been paid for, but instead because I hated the state, I went out-of-state private and now have $12K in student loans. Dumb. One thing most people don’t know about me is I’m a Korean Irish Jew and I hold dual-citizenship with Israel. I think that DIY ideas and crafts are the coolest thing since sliced bread (and save me money since I love to decorate!). Twelve months from now, I hope to be completing my paramedic class. The most non-mortgage debt I’ve ever had was 15k and today I have that same amount of debt. Okay, enough of this silly paragraph, it’s time I go get used tires on my car so I can drive to work w/o fear of them exploding on the way since they’re balding.

  28. Hi, my name is Savvy Financial Latina. I currently work as a sourcing specialist and make around $75K per year. I like my job. The scariest thing to me about personal finance is being able to take care of my parents in the future. If I had a financial do-over I would go back and buy Apple, Microsoft, and Netflix before they got big. Also, I would have negotiated a higher salary. Still kicking myself in the butt for this one. One thing most people don’t know about me is I’m stubborn. I think that my MacBook Air is/are the coolest thing since sliced bread. Twelve months from now, I hope to be in our own home! The most non-mortgage debt I’ve ever had was $5,000 (husband’s car loan before we got married) and today I have blank amount of $2K. Okay, enough of this silly paragraph, it’s time I go back to work so I can make the money. LOL

  29. Hi, my name is finco. I currently work as a software developer and make around $116k per year. I really love my job. The scariest thing to me about personal finance is getting our budget to work. If I had a financial do-over I would go back and not invest $10k in a scam. One thing most people don’t know about me is I was a juror in the Oklahoma City Bombing Trial. I think that compound interest is the coolest thing since sliced bread. Twelve months from now, I hope to be lighter. The most non-mortgage debt I’ve ever had was about $23k and today I have no debt other than the house. Okay, enough of this silly paragraph, it’s time I go get coffee so I can get to my next meeting.

  30. Hi, my name is Kay. I currently work in IT for a bank and make around $50k per year. I’m really ambivalent about my job. The scariest thing to me about personal finance is the responsibility. If I had a financial do-over I would go back and not charge up my credit cards. One thing most people don’t know about me is that I don’t like my food touching on a plate. I think that iPhones are the coolest thing since sliced bread. Twelve months from now, I hope to be on my way to Disney World! The most non-mortgage debt I’ve ever had was $28k and today I have $5k amount of debt. Okay, enough of this silly paragraph, it’s time I go get breakfast so I can start my workday.

  31. Hi, my name is Jonathan. I currently work as a software engineer and make around $215K per year. I really love my job – it’s not work, just ongoing fun. The scariest thing to me about personal finance is how much bad advice is given by so called ‘financial advisors’. If I had a financial do-over I would go back and pay off my debts immediately instead of investing. One thing most people don’t know about me is that I enjoy poetry. I think that the iPad mini (as an ebook reader) is the coolest thing since sliced bread. Twelve months from now, I hope to have finished a library remodel, completed two bike tours, and survived a year of paying two concurrent college tuition bills; children are expensive. The most non-mortgage debt I’ve ever had was umm, $70K? and today I have zero, zip, $0 amount of debt, including mortgage debt. Okay, enough of this silly paragraph, it’s time I go researching so I can code more software.

  32. Hi, my name is Meg. I currently work as an accountant and make around $60k per year. I really wish my job was more rewarding. The scariest thing to me about personal finance is accumulating more debt. If I had a financial do-over I would go back and start to track my spending and budget earlier. One thing most people don’t know about me is I want a career change but can’t bring myself to do it. I think that this blog is the coolest thing since sliced bread. 🙂 Twelve months from now, I hope to be free of credit card debt and have an emergency fund built up. The most non-mortgage debt I’ve ever had was $60k and today I have $42k amount of debt. Okay, enough of this silly paragraph, it’s time I go stare at a spreadsheet so I can look busy.

  33. Hi, my name is Carleigh. I currently work as a Communications Coordinator and make around $40,000 (Canadian) per year. I really value/appreciate my job. The scariest thing to me about personal finance is mastering the day-to-day and basics of PF. If I had a financial do-over I would go back and look at my university major options in university AND considered college. One thing most people don’t know about me is I watch my money like a hawk. I think that my boyfriend and our relationship together is the coolest thing since sliced bread. Twelve months from now, I hope to be asking for a raise (and receiving!). The most non-mortgage debt I’ve ever had was $65,300 and today I have $39,800 amount of debt. Okay, enough of this silly paragraph, it’s time I go eat lunch so I don’t pass out!

  34. Hi, my name is Larry. I currently work as a technical writer and multi-media designer for a software company and make an adequate if not munificent income per year. I really don’t mind my job any more since I expect to retire within the next 2.5 years. The scariest thing to me about personal finance is not knowing if my assets will fund me through retirement, and the second scariest is not knowing if I will be around long enough to to take full advantage of those assets. If I had a financial do-over I would have invested more aggressively when I was younger and stopped my education at an MA rather than a PhD. One thing most people don’t know about me is that I have actually had dinner with our esteemed host Ninja, at a Spanish tapas restaurant outside DC. I think that unsliced bread is the coolest thing since sliced bread, since sliced bread goes stale much more quickly. Twelve months from now, I hope to be one year closer to retirement (yay!). The most non-mortgage debt I’ve ever had was about $10K and today I have about 4.5% of my total net worth in debt (a mortgage that is 80% paid off and a car loan). Okay, enough of this silly paragraph, it’s time I go back to work so I can go blank.

  35. Hi, my name is C. I currently work as a teacher and make around $45,000 per year. I really like my job. The scariest thing to me about personal finance is my $94,000 student loan debt keeping me from accomplishing my goals. If I had a financial do-over I would go back and do the same thing. (My school choices eventually brought me to my husband.) One thing most people don’t know about me is I’m actually very shy in most situations. I think that my husband is the coolest thing since sliced bread. Twelve months from now, I hope to be making a dent in my school debt and preparing to move to the South. The most non-mortgage debt my husband and I’ve ever had was $130,000 and today we have $111,000 of debt. Okay, enough of this silly paragraph, it’s time I go work out so I can get ready to go into the theatre district tonight.

  36. Hi, my name is Emily. I am trying to resist the urge to mad lib this with random words. I currently work as a glorified secretary and make around $52K per year. I really tolerate my job. The scariest thing to me about personal finance is the push to computerize accounts and currency. If I had a financial do-over I would go back and not buy a new car three days after totaling my car in a collision. One thing most people don’t know about me is I am like a two-year-old trapped in an adult’s body. I think that netbooks are the coolest thing since sliced bread. Twelve months from now, I hope to be debt free. The most non-mortgage debt I’ve ever had was $25K and today I have $7700 amount of debt. Okay, enough of this silly paragraph, it’s time I go do something responsible.

  37. Hi, my name is Frances. I currently work as an administrative assistant and make around $48,000 per year. I really don’t care much for my job. The scariest thing to me about personal finance is I probably will never be able to retire. If I had a financial do-over I would go back and never, ever, EVER spend my retirement savings. One thing most people don’t know about me is I learned to scuba dive in the Red Sea. I think that the internet and all the assorted smart technology we have today are the coolest things since sliced bread. Twelve months from now, I hope to be happier. The most non-mortgage debt I’ve ever had was $40,000 and today I have $11,000 in student loan debt. Okay, enough of this silly paragraph, it’s time I go work so I can LIVE.

  38. Hi, my name is Melinda (you can call me mell bell). I currently work as a x-ray tech and make around $50,000 per year. I really do kind of love my job. The scariest thing to me about personal finance is being old with no money and having to be a door greeter for Wal-Mart. If I had a financial do-over I would go back and start facebook before Zuckerman, or whatever his name is. One thing most people don’t know about me is I won Student of the month in 5th grade. I think that skydiving pugs are the coolest thing since sliced bread. Twelve months from now, I hope to be alive, and possibly be a successful blogger. The most non-mortgage debt I’ve ever had was $1200.00 and today I have zeroooooo amount of debt. Okay, enough of this silly paragraph, it’s time I go put on shorts so I can leave the house.

  39. Hi, my name is Amanda. I currently work as a student (or unemployed) and make around $3 000 CDN (at least, that’s what I remember making working for two months last summer) per year. I really enjoyed that job, and I love school. The scariest thing to me about personal finance is losing control. If I had a financial do-over I would go back and become a decent babysitter. One thing most people don’t know about me is that I always talk to my homework. I think that titrations are the coolest thing since sliced bread. Twelve months from now, I hope to be in my second year and tutoring. The most non-mortgage debt I’ve ever had was $115 and today I have no debt. Okay, enough of this silly paragraph, it’s time I go get my Biblical Hebrew book so I can practice transliteration.

  40. Hi, my name is Chris. I currently work as an IT Manager at a Financial Institution and make around $40K per year. I really like my job but don’t to do it for much longer. The scariest thing to me about personal finance is stocks. If I had a financial do-over I would go back and invest while in college. One thing most people don’t know about me is I have a net worth of $35K. I think that Settlers of Catan (seriously…I love this game) is the coolest thing since sliced bread. Twelve months from now, I hope to be settling into a new city/new job or working towards my MBA. The most non-mortgage debt I’ve ever had was $10k (truck) and today I have $4.5K (truck) amount of debt. Okay, enough of this silly paragraph, it’s time I go get some coffee so I can concentrate on my work for once.

  41. Hi, my name is Larry. I currently work as a teacher and make around $80K per year. I really love my job. The scariest thing to me about personal finance is nothing. If I had a financial do-over I would go back and kept my Amgen stock. One thing most people don’t know about me is my dry wit. I think that iPhones are the coolest thing since sliced bread. Twelve months from now, I hope to earn more from my blog. The most non-mortgage debt I’ve ever had was zero and today I have zero amount of debt. Okay, enough of this silly paragraph, it’s time I go work so I can relax.

  42. Hi, my name is Samantha. I currently work as a Financial Analyst at a Fortune 500 company and make around 50k per year. I really feel unfulfilled by my job. The scariest thing to me about personal finance is letting it over-consume me. If I had a financial do-over I would go back and not have bought a new car right when I started my first job out of college. One thing most people don’t know about me is I will always regret not pursuing rugby and trying to make the national team and 2016 olympic team. I think that Pandora and budget spreadsheets are the coolest thing since sliced bread. Twelve months from now, I hope to be married, moving to a new state, starting a new job, and looking to buy a house. The most non-mortgage debt I’ve ever had was $43k and today I have $17k amount of debt. Okay, enough of this silly paragraph, it’s time I go back to my budget spreadsheet so I can feel bad about myself after reading about all of these high salaries..

  43. Hi, my name is Eric. I currently work as a director in a healthcare organization and make around 95K per year. I really like my job. The scariest thing to me about personal finance is losing my job. If I had a financial do-over I would go back and start my retirements accounts in my first job at 22. One thing most people don’t know about me is that I am nowhere near as confident as I act. I think that my daughter is the coolest thing since sliced bread. Twelve months from now, I hope to be part-owner of my company. The most non-mortgage debt I’ve ever had was 12K in student loans and today I have ZERO (woo hoo) consumer debt. Okay, enough of this silly paragraph, it’s time I go surf the wdb so I can waste more time.

  44. Hi, my name is Jenni. I currently work as a paralegal and make around $36,000 per year. I really enjoy my job. The scariest thing to me about personal finance is budgeting. If I had a financial do-over I would go back and wait a few years to go to school until I knew exactly what I wanted to do. One thing most people don’t know about me is I would like to be married. I think that photography is the coolest thing since sliced bread. Twelve months from now, I hope to be married. The most non-mortgage debt I’ve ever had was $60,000 and today I have $55,000 amount of debt. Okay, enough of this silly paragraph, it’s time I go cook dinner so I can eat .

  45. Hi, my name is Kate. I currently work for an investment fund manager and make around $100k per year. I really appreciate my job. The scariest thing to me about personal finance is being able to afford real estate and build long-term savings. If I had a financial do-over I would go back pushed to pay off student loans faster. One thing most people don’t know about me is that I read personal finance blogs. I think my loved ones are the coolest thing since sliced bread. Twelve months from now, I hope to be living with my boyfriend. The most non-mortgage debt I’ve ever had was ~$50k student loans and today I have $9k student loan debt. Okay, enough of this silly paragraph, it’s time I go make a coffee so I can warm up while getting back to work.

  46. Hi, my name is TeacHer. I currently work as a high school teacher and make around 60K per year. I really LOVE my job. The scariest thing to me about personal finance is feeling like I’ll never make enough money to accomplish my goals. If I had a financial do-over I would go back used my college years to save money and avoid debt, instead of being so clueless about racking it up. One thing most people don’t know about me is I have a HUGE bald spot behind my right ear. I think that my crazy cat is the coolest thing since sliced bread. Twelve months from now, I hope to be debt free. The most non-mortgage debt I’ve ever had was almost 40K between credit cards, car loans and student loans, and today I have about 10K amount of debt. Okay, enough of this silly paragraph, it’s time I go to my mailbox so I can pick up my birthday cards!

  47. Hi, my name is Kris. I currently work as an environmental specialist and make around $51,000 per year. I really am stressed out by my job. The scariest thing to me about personal finance is investing. If I had a financial do-over I would go back and start saving earlier. One thing most people don’t know about me is I am terrifed of failure. I think that my mom is the coolest thing since sliced bread. Twelve months from now, I hope to be in a relationship. The most non-mortgage debt I’ve ever had was $10,000 and today I have 0 debt. Okay, enough of this silly paragraph, it’s time I go to sleep so I can wake up at 4 AM.

  48. Hi, my name is Jon. I currently work as a software architect and make around six figures per year. I really feel bored at my job, but I really enjoy my career path. The scariest thing to me about personal finance is finding the balance between saving enough vs. enjoying life. If I had a financial do-over I would go back and not buy my current house and spend less on cars. One thing most people don’t know about me is that I enjoy watching House Hunters. I think that Amazon’s technical prowess is the coolest thing since sliced bread. Twelve months from now, I hope to be at a more enjoyable and challenging job. The most non-mortgage debt I’ve ever had was around $25K (car loan) and today I have no non-mortgage debt. Okay, enough of this silly paragraph, it’s time I go iron my clothes so I can not look like a slob at work tomorrow.

  49. Hi, my name is Guy. I currently work for The Man and make around $75k per year. I really enjoy the flexibility of my job. The scariest thing to me about personal finance is Investing. If I had a financial do-over I would go back and pursuade my now spouse (then girlfriend) to not buy a brand new car 7 months before our wedding… a quick $14k in debt. One thing most people don’t know about me is that I was adopted. I think that Nike Fuel Bands are the coolest thing since sliced bread, but I haven’t made the purchase yet. Twelve months from now, I hope to be vasectomized. The most non-mortgage debt I’ve ever had was $40k in a car debt and today I have about $48k of debt in student loans and auto debts. Okay, enough of this silly paragraph, it’s time I go watch the Blazers so I can cry.

  50. Hi, my name is Erica. I currently work as an early childhood educator teacher in a kindergarden classroom and for a Canadian Deals Website and make around $40,000-$45,000. I really love both my jobs. The scariest thing to me about personal finance is having money for retirement. If I had a financial do-over I would go back and not buy my house. One thing most people don’t know about me is I’m a twin. I think that photography is the coolest thing since sliced bread. Twelve months from now, I hope to be spending more time developing a photography career. The most non-mortgage debt I’ve ever had was my OSAP debt from university and college and today I have over $50,000 of debt. Okay, enough of this silly paragraph, it’s time I go to work so I can make some money.

  51. Hi, my name is Jaime. I currently work as an advertising sales manager in luxury magazines and make around 50k per year. I really love but wanna quit my job. The scariest thing to me about personal finance is investments-I have no idea where to start or what is lucrative! If I had a financial do-over I would go back and not spending a single cent on beauty, hair and gym memberships, and not to lend money to boyfriends. One thing most people don’t know about me is I have anxiety disorder and I am anal about recording what I spend on everyday. I think that the internet is/are the coolest thing since sliced bread. Twelve months from now, I hope to uproot myself and move out from Singapore (again!). The most non-mortgage debt I’ve ever had was 20k and today I have 6k amount of debt. Okay, enough of this silly paragraph, it’s time I go put down my phone so I can go prepare myself to get off the train.

  52. Hi, my name is Jerri Lyn. I currently work as an office manager for a non-profit and make around $50,000 per year. I’m really fulfilled by my job. The scariest thing to me about personal finance is my difficulty making ends meet. If I had a financial do-over I would go back and hire a lawyer the first go-around I had with my ex. One thing most people don’t know about me is I sold Amway for 20 years. I think that micro-technology is the coolest thing since sliced bread. Twelve months from now, I hope to be receiving child support. The most non-mortgage debt I’ve ever had was $22,055 and today I have $16,930 amount of debt. Okay, enough of this silly paragraph, it’s time I go back to work so I can do my part to improve and possible save people’s lives!

  53. Hi, my name is Captain Terrible. I currently work as an IT project leader and make around 91,000 (CAD) per year. I really enjoy my job. The scariest thing to me about personal finance is having to do math. If I had a financial do-over I would not have married my ex-wife. One thing most people don’t know about me is I threw out my long term plans a while ago. I think that dogs are the coolest thing since sliced bread. Twelve months from now, I hope to be out of debt from the divorce. The most non-mortgage debt I’ve ever had was 28,000 (married) and today I have 12,000 (Single) amount of debt. Okay, enough of this silly paragraph, it’s time I go back to work so I can get paid.

  54. Hi, my name is Mo D. I currently work as a Senior Customer Service Rep and make around $50K per year. I really appreciate my job, but would leave if another job with the same pay/benefits/pension plan came my way. The scariest thing to me about personal finance is not having enough for retirement. If I had a financial do-over I would go back and not have been so stupid with my credit cards back in my 20’s. One thing most people don’t know about me is I’ve soloed in a Cessna 152. I think the DVR is the coolest thing since sliced bread. Twelve months from now, I hope to be more debt-free. The most non-mortgage debt I’ve ever had were credit card bills and today I have approx $4k amount of non-mortgage debt. Okay, enough of this silly paragraph, it’s time I go get back to work so I can make my boss look good.

  55. Hi, my name is K. I currently work as a Librarain and make around $50k per year. I really am bored with my job. The scariest thing to me about personal finance is overspending. If I had a financial do-over I would go back and rent instead of buy a condo. One thing most people don’t know about me is I try to be frugal but I’m not too good at it. I think that iced lattes are the coolest thing since sliced bread. Twelve months from now, I hope to be in a new library and new home. The most non-mortgage debt I’ve ever had was $33k student loans and today I have $9k student loan debt. Okay, enough of this silly paragraph, it’s time I go clock in so I can sit at my desk and do nothing.

  56. Hi, my name is Laura. I currently work as an accountant and make around 80k per year. I really like portions of my job. The scariest thing to me about personal finance is things out of my control. If I had a financial do-over I would go back and save earlier. One thing most people don’t know about me is that I love to cook. I think that DIY projects are the coolest thing since sliced bread. Twelve months from now, I hope to be back in pre-baby shape. The most non-mortgage debt I’ve ever had was 35k in student loans and today I have zero amount of non-mortgage debt. Okay, enough of this silly paragraph, it’s time I go work so I can make the moneys!

  57. Hi, my name is Jenn. I currently work as in government and make around $74k per year. I really dislike my job. The scariest thing to me about personal finance is making less to find a job I enjoy. If I had a financial do-over I would go back and not go to grad school or get on the credit card train. One thing most people don’t know about me is I want more than anything to be my own boss. I think that anything sci-fi is the coolest thing since sliced bread. Twelve months from now, I hope to be CC debt Free and on my way to self-employment. The most non-mortgage debt I’ve ever had was $130k and today I have $75k amount of debt. Okay, enough of this silly paragraph, it’s time I go work so I can pay off my debt.

  58. Hi, my name is Stacy. I currently work as a Overseas English Teacher and make around 19000 per year. I really love my job. The scariest thing to me about personal finance is nothing. If I had a financial do-over I would go back and not do one of internships. One thing most people don’t know about me is I spend alot but im super cheap. I think that online magazines are the coolest thing since sliced bread. Twelve months from now, I hope to be teaching in the states making over 30,000. The most non-mortgage debt I’ve ever had was 6000 and today I have 4000 amount of debt. Okay, enough of this silly paragraph, it’s time I go.

  59. Hi, my name is Laura. I currently work as an administrative assistant and make around 28k per year. I really HATE my job. The scariest thing to me about personal finance is not being able to pay my bills. If I had a financial do-over I would go back and not take out financial aid for 3 semesters of college. One thing most people don’t know about me is I’m just shy. I think that my dog is the coolest thing since sliced bread. Twelve months from now, I hope to be working in the Graphic design field. The most non-mortgage debt I’ve ever had was $52k and today I have $29,800 amount of debt. Okay, enough of this silly paragraph, it’s time I go work so I can answer the damn phones.

  60. Hi, my name is Guest. I currently work as an attorney and make around $215K per year. I really don’t care about my job. The scariest thing to me about personal finance is not making as much progress as quickly as I would like. If I had a financial do-over I would go back and go into investment banking. One thing most people don’t know about me is I want to be a lumberjack/survival instructor/boat-maker/carpenter. I think that spending time outdoors and working with my hands the coolest thing since sliced bread. Twelve months from now, I hope to be doing the same thing, in a different city and saving a larger portion of each paycheck. The most non-mortgage debt I’ve ever had was $70K and today I have no debt. Okay, enough of this silly paragraph, it’s time I go nowhere so I can continue to not do work.

  61. Looks like the average income of the comments is $64,000 until here. That’s quite the number. To me this proves that education and income as well as access to the internet are still sort of a privilege for higher income.

    • Don’t forget correlation is not causation. I see internet access as less a privilege for higher income as a privilege for people who pursue, which results in education, high income, and internet access/involvement. The defining issue is drive and pursuit rather than income. (IMHO)

    • Hmmm, I don’t know. I have many friends who make less than $40,000 and all of them have internet access on their phones (which I don’t even have). Many have Ipads, laptops, and cable (which I also don’t have). They just chose to use their time differently. Most of them are more family/friend/fun oriented than money motivated. To each his own.

      • Exactly, the defining issue is pursuit. They pursue internet connectivity and the means to get it, but are not the type to post here since they don’t pursue wealth as well. The ones who post here are self selected to be both pursuers of wealth and have internet access.

        I’m not suggesting Mustache is necessarily wrong, internet access might truly be lacking for some of lower income, just that the average income of comments here doesn’t prove it. 🙂

  62. Hi, my name is Sara. I currently work as a staff accountant and make around 40,000 per year. I really am thankful for my job. The scariest thing to me about personal finance is saving for retirement. If I had a financial do-over I would go back and take out less student loans and buy a less expensive car. One thing most people don’t know about me is I am actually really lazy but I feel I have a duty to work and be independent. I think that personal finance is/are the coolest thing since sliced bread. Twelve months from now, I hope to be making at least 5k more at a new job. The most non-mortgage debt I’ve ever had was 52,000 and today I have 41,000 amount of debt. Okay, enough of this silly paragraph, it’s time I go back to work so I can look productive.

  63. Hi, my name is IT Drone. I currently work as a tech support agent for government employees and make around 54K(CND) per year. I dislike my job because all day I deal with stupid/argumentative people who refuse to help themselves. The scariest thing to me about personal finance is really, nothing, I have been super poor and survived. If I had a financial do-over I would go back and ignore everything my parents/teachers told me as a teenager. One thing most people don’t know about me is I am painfully shy in the romance dept. I think that historical fiction is/are the coolest thing since sliced bread. Twelve months from now, I hope to be working part time somewhere else. The most non-mortgage debt I’ve ever had was about $14,000 (due to unemployment) and today I have zero amount of debt. Okay, enough of this silly paragraph, it’s time I take another call so I can explain the difference between shut down and log off.

  64. Hi, my name is Jenni. I currently work as a HR Manager and make around 63k per year. I really love my job and have a lot of fun. The scariest thing to me about personal finance is not having a real savings account / emergency fund. If I had a financial do-over I would go back and NOT buy my townhouse (much less with 0% down). One thing most people don’t know about me is that I read books constantly and at a very fast clip. I think my passport is the coolest thing since sliced bread and that fancy french toast is the coolest thing to do with sliced bread. Twelve months from now, I hope to have more adventures scheduled. The most non-mortgage debt I’ve ever had was $45k and I’m slowly starting to work my way down. Okay, enough of this silly paragraph, it’s time I go look out the window to see if it is still snowing.

  65. Hi, My name is …… I currently work as a Corrections Officer in a maximum security prison and make around $54k per year. I really dislike my job. The scariest thing to me about personal finance is not knowing if I’ll have enough for retirement. If I had a financial do-over I would go back and buy a different home with at least 20 acres of land. One thing most people don’t know about me is that I hate public speaking. I think that my dog is the coolest thing since sliced bread. Twelve months from now I hope to be 25% closer to being completely debt free (mortgage included). The most non-mortgage debt I’ve ever had was probably around $10k and today I have zero debt besides my mortgage. Okay, enough of this silly paragraph, it’s time to go and watch Argo and see what all the fuss is about.

  66. Hi, My name is Meek I currently work as a Laboratory Technician for a petroleum company and make around $57k per year. I really like the perks that come with the my job like the pension, 401k, insurance etc..but I would take a job with identical benefits in the biological field. The scariest thing to me about personal finance is not being able to climb out from under my extreme debt. If I had a financial do-over I would never have signed my life away on a PRIVATE student loan. One thing most people don’t know about me is I really do want to have kids one day even though I’m terrified to give birth. I think that my car is the coolest thing since sliced bread. Twelve months from now I hope to be engaged to my boyfriend. The most non-mortgage debt I’ve ever had was 108K and today I have 106k left of debt. Okay, enough of this silly paragraph, it’s time to get back to work so I can make the money!

  67. Hi, my name is James. I currently work as a Nurse Anesthetist and make around $180,000 per year. I really love my job, except for the politics. The scariest thing to me about personal finance is regret. If I had a financial do-over I would go back and not buy a big truck, new car, and big house. One thing most people don’t know about me is how much I enjoy being with friends. I think that FI is the coolest thing since sliced bread. Twelve months from now, I hope to be out of my big house and into a smaller one while working less than full time. The most non-mortgage debt I’ve ever had was $70,000 and today I have zero amount of debt except mortgage. Okay, enough of this silly paragraph, it’s time I go work so I can FIRE.

  68. Hi, my name is Amanda. I currently work as an Admin. Assistant for a government contracotr and make around $45k per year. I really feel ambivalent about my job. The scariest thing to me about personal finance is balancing enjoying life now vs. saving for retirment and feeling like either way I go, I don’t have the balance right. If I had a financial do-over I would go back and save for retirement when I got my first job at 22. One thing most people don’t know about me is want to turn my .6 acre yard into a food forest. I think permaculture is the coolest thing since sliced bread. Twelve months from now, I hope that my mortgage will be paid off.. The most non-mortgage debt I’ve ever had was $10K and today I have NO debt. Okay, enough of this silly paragraph, it’s time I log off so I can get out of here.

  69. Holy crap Ninja! Did you really read all of this?! This is a great idea! I’m sharing on facebook!

    Hi, my name is [Zach]. I currently work as a [Clinical Educator] and make around [$55k] per year. I really [like] my job, but I’m looking for another one with less travel. The scariest thing to me about personal finance is [that I’m behind]. If I had a financial do-over I would go back and [wait to get a scholarship from USC instead of $120,000 in loans]. One thing most people don’t know about me is [I do many things at once: I write books, host pub quizzes, do stand up comedy, and have been to all 50 states]. I think that [my Galaxy S3] is the coolest thing since sliced bread. Twelve months from now, I hope to [sell 1000 copies of my first book and have a net worth of more than $55k]. The most non-mortgage debt I’ve ever had was [$120k] and today I have [$36.6k including car loan] amount of debt! Okay, enough of this silly paragraph, it’s time I go [pack up my stuff] so I can[get on a plane and go home]!

  70. Hi, my name is Jackie (not really). I currently work as a marketing administrative assistant and make around $43,000 per year. I really love my job. The scariest thing to me about personal finance is that no one teaches this stuff to young people. Everyone seems to have to learn it the hard way. That doesn’t seem right. If I had a financial do-over I would go back and not have five credit cards in college. I had two full-ride scholarships to college, and a full ride to graduate school. There’s no good reason for me to be in credit card debt to the tune of $20k. One thing most people don’t know about me is that I was uber liberal in college but am now pretty staunchly conservative. I don’t care that I am a woman and person of color. Yes, we want poor people to have money, but it doesn’t mean we have to take the money from one person to give it to another person. I think the whole notion of “the rich need to pay their share” is a bunch of bull crap. I don’t care if someone is making $1 million per year. Taking away half of their money in taxes is criminal. I think that podcasts are the coolest thing since sliced bread. I listen to Freakonomics and Planet Money religiously. Given that the public radio audience is mostly liberals, I hope people learn a thing or two about what actually will help turn the economy around. Twelve months from now, I hope to have a solid wedding fund. My boyfriend and I have been together for three years and not being able to pay for my wedding freaks me out. The most non-mortgage debt I’ve ever had was $40,000 and today I have $30,000 of debt. Okay, enough of this silly paragraph, it’s time I go work so I can make some money!

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