Holiday High.

Don’t have a post for you today since I had so much fun yesterday with family I forgot all about this little blog! I hope you had just as much (or more) fun than me ’cause that would be depressing if you had not-fun on Christmas.

Anywhozzle, I’m taking the rest of the week off from work, and while I hope to post everyday, I gotta be honest and say the chances of that happening are no better than the chances were of Kim Kardashians marriage lasting (Low blow?).

It get’s crazy up in hurr around the holidays, especially when you get myself and Girl Ninja playing Xbox Kinect with my family. It was an intense battle, and GN kicked my butt. Embarrassing? I think so.

What’d you get (or give) for Christmas?


The Alamo

This is the reason there is no blog post.


The Alamo. Incredible and overrated all at the same time.

Have you seen any monuments or structures that just kind of made you go “Meh, it’s alright.”?

Sorry no real post but I had a late late night with a bunch of awesome personal finance bloggers and didn’t have time to pump something out. See you Monday.

Remember that time I almost wanted a baby

Our landlord, the one who lives directly below us, has a two month old daughter. He also has a longstanding tradition of going on a date night with his wife every Wednesday. As you can imagine, their last few months have been crazy busy and they haven’t had much time to get away. Girl Ninja and I thought it would be nice if we offered to babysit for them last night, so babysit we did. And let me tell you… I almost walked away from the evening wanting a baby. Keyword there my friends is ALMOST.

This shouldn’t be surprising though. Babies are like puppies in a pet store. Side note: Never go to a pet shop to look at puppies unless you’re prepared to buy one…puppies play jedi mind tricks on you. Sure a puppy looks cute in the store; If they pee on you, you laugh it off. If they slobber on you, you think it’s cute. If they bite at your ankles, you think they want to play. So you figure “Why not?! Let’s buy this cute little fur-ball.” Only to realize a few weeks later that the puppy does nothing but slobber, pee on you, and chew things up. Puppies are a lot of work, and ya know what? Babies are ten times worst. They’re like puppies. On crack…

So yes, last night I will admit I had a little baby fever and thought it would be fun to have one. But I need to remember this isn’t the first time I’ve had feelings like this. In fact, every time I drive a new car, I always think about how fun it would be to go buy a new car. I mean come on, they smell awesome and drive wonderfully. But then my conscience gets the best of me and reminds me that

A) there is nothing wrong with my 2007 Scion tC

B) a new car is only new for about 0.02 seconds, then it becomes used

C) cars are a depreciating asset. I’m tempted to try and convince you babies are also depreciating assets, but it’s probably best I save that for another day.

At the end of the day I think babies are super cute and a lot fun, but until they come with a 30 day return policy I think I’m gonna have to delay my baby gratification. That said, all of my friends/family members are welcome to have as many kids as they want. I don’t mind kids at all…so long as I get to give them back.

Do any of you baby-free folks ever get the premature desire to pop a few kids out? What are things that you want, but know you shouldn’t get (pets, new cars, electronic devices, etc)? What methods do you use to talk some sense in to yourself? I personally would love a dog, but I know Girl Ninja and I are too busy for pets right now 🙁

I’m accidentaly smart

As I sit here reflecting on my three year long personal finance journey, I can’t help but laugh at how incredibly fortunate I’ve been (knock on wood). Some of the best decisions I’ve made, in regards to my financial well being, were accidents. Thought I’d share a few examples with you today…

Credit Card:

I didn’t know a thing about money all through college. I was actually quite pathetic. I didn’t even have access to my own savings account (I had to call my mom and ask her to transfer money from my savings in to my checking because I didn’t know how. Embarrassing right?). I had two credit cards in college that my mom recommended I get in case of an emergency. I had no clue how to use my Credit Cards and was too darn intimidated by them to use them. Turns out, my ignorance was a huge blessing as I graduated college with no credit card debt. Can I get a booya for ignorance?!


I landed my current job relatively quickly after college and for the first time in my life had a steady income. I had a good chunk of discretionary income from each pay check. I tried to spend it (this is when I bought my motorcycle ), but quickly ran out of things I wanted to buy. Without realizing what I was doing, I made the decision to save my left over cash at the end of the month instead of squander it away.


The first day on the job I filled out a boatload of paperwork: health insurance, life insurance, and every other kind of benefit form there is. I had the 401K form handed to me and decided I would throw 5% of my gross pay into it each month. I didn’t know where these contributions were going, but at least I was contributing something to retirement. A few months later (once I fell in love with personal finance), I realized I had been heavily investing in government bond funds…yuck…and quickly changed my allocations. Even though my 401K contributions went to a crappy investment for the first couple months, I formed the habit of saving for retirement as early as I could.

Random Conversation:

And the single most important moment in my financial life… I had a conversation with someone about Roth IRA’s, which snowballed into an obsession with personal finance. Realizing that I had already formed decent financial habits, I decided it was time I maximized my potential. It’s an ongoing process and I am definitely not the smartest kid in the room (my mother has always said I was “special”), but I’m excited my eyes were opened to personal finance at 22 and not 52. Thank goodness for accidental intelligence!!!!

What are the best moves you have made to date? Maybe they were intentional decisions like never using a credit card. Or perhaps it was dumb luck, like not being able to afford a home at the top of the market which saved you from being upside down on a mortgage today. I would love to hear what you all have to say so drop me a line.

Note to self: Don’t get stabbed

Well, yesterday was eventful. Woke up to this text message from my mom yesterday….

Just a few notes about that text message…

1) I live in a major city, yet somehow I only have one bar of service. AT&T sucks!

2) Yes, my mother’s name in my phone is “Mummsy.”

3) My mom apparently thinks wishing me a “Happy Sunday”, before telling me my brother was stabbed, will help subside any panic. Love ya mom.


Long story short, my brother was at a friend’s birthday party. My bro put his arm around an unknown intoxicated party attendant and asked that guy if he would like a drink. The individual responded by declining the offer, and instead stabbing my brother in the neck with a paring knife that was on an adjacent kitchen counter top.

What did my brother do after being stabbed? Well, like a freakin’ Ninja he immediately put the guy in a headlock, until other party goers tackled the guy and pinned him to the ground. The police and the paramedics were called. Bro Ninja ended up being transported to a Seattle hospital where he was in the ER and ICU for about 10 hours. As for the jerk that stabbed my brother, he is in jail, facing felony assault charges. Can’t wait to see justice be served.

My brother was released from the hospital at around lunchtime yesterday and is doing well. He’s got a sweet wound on his neck (pictured below) and is pretty groggy from all the sedatives/painkillers the hospital had him on. I may be playing caretaker over the next few days to help my parents out, so if you don’t hear much from me that is why.

Moral of the story is this...Make sure you have adequate health insurance, you never know when you might get stabbed in the neck. Wish my brother well 🙂

p.s. I’m pretty sure this means he can be in a gang now…being stabbed has to earn you some pretty serious street cred, right?

p.p.s. as promised here is a picture of my brother’s wound…


We made it!

Yesterday Girl Ninja and I celebrated our first of marriage. I can’t believe it’s been 12 months since our wedding of epic epicness. Over dinner, we shared reasons why we love each other, ways in which we have grown as a couple, and how we can serve each other better. As we were driving home, we decided we would share a little bit about our marriage with you. This is the first time Girl Ninja and I have teamed up on a post…. I hope you enjoy 🙂

Ninja’s reflections:

I’ve learned way more about Girl Ninja in the last twelve months, than I ever did in the four years I dated her. I’ve said it once and I’ll say it again; Her hair is out of control. Not the hair on her head, but the hair that has fallen off her head. It’s everywhere. Three days ago I was greeted by a long blonde hair carefully entangled in the head of my toothbrush…BARF! She also has the hardest time keeping track of bobby pins and hair ties. I find them everywhere. In the fridge. On the floor. In our dresser. In the backseat of my car. Bobby pins have caused some serious drama in the Ninja household.

What I appreciate most about Girl Ninja is her patience with me. I know I am not an easy person to get along with, especially when it comes to our finances, but time and time again she has endured my shenanigans. She gives me grace when I need it. And she challenges me to think outside of myself. When we have disagreements we work together, through prayer and communication, to find a compromise. I am a better person because of Girl Ninja and I can’t wait to spend another 60 years with her. Love ya Honey Bunches of Oats 🙂

Girl Ninja’s reflections:

What I have learned Livin’ Like a Ninja…

Waking up to my best friend every day (except for his occasional morning breath) is the best thing ever.

Daily “friendly” reminders of my very controlled and manageable latte addiction have become the norm.

Nothing grows our love more than serving God together, praying together, and learning together.

I don’t remember the last time I logged into our bank account or payed a bill…it’s wonderful to be married to someone whose strengths make up for my weaknesses.  There are for sure differences, but I fully trust him and am more than thankful for his knowledge and diligence in managing our money (this doesn’t mean we aren’t in constant communication about our money, it just means I don’t have to be the one to actually implement all we talk about).

Vacation time in our first year of marriage has been BOMB DOT COM (Aruba, San Fran, Palm Desert, Germany/France/Luxembourg, Hawaii, and Canada)…Can’t wait to see where year two takes us 🙂

I hope you enjoyed this tag team blog post approach. Sorry if it was a little mushy for all, but when it comes to Girl Ninja, I’m nothing but rainbows and unicorns. Love that Girl more than my Roth IRA, 401K, ING Savings accounts, and my iPhone…combined…well maybe not my iPhone…just kidding.


I have an interesting blog post in mind, but seeing that it is Friday (the worst web traffic day of the week), I’ve decided to hold off until Monday. I’ve been having an incredible time in Oahu and feel like I can say I’ve pretty much seen the whole island. Saw some dolphins jump out of the water on the west side, swam with a rogue sea turtle in Lanikai, ate shave ice on the north shore, spent three days in Waikiki, and so much more. Once I get my pictures uploaded, I’ll be sure to share them with you next week at some point.

I’ve kind of missed you all over the last week, but I’ve also kind of had too much fun to think about blogging. I hope your Friday is a good one and that you enjoy your weekend! Aloha!

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